: You must declare all pre-existing medical conditions. While this may increase your premium, failing to do so can result in the total denial of medical claims, which can cost hundreds of thousands of dollars.

: Standard policies often exclude high-risk activities popular in NZ, such as skiing, scuba diving, or scooter riding. Verify these are included or add them as specific "add-ons". Key Exclusions to Watch

: Claims are frequently denied if belongings are left unattended in public spaces, such as on a beach or in a rental car.

: Incidents occurring while under the influence are standard exclusions across nearly all NZ providers.