Reply To: Is that necessary to get travel insurance while travel in NZ?

[Denise Fleming]

As an American with medical insurance in Hawaii, our medical covers us worldwide. We may need to pay up front (we’re able to do so) and will be reimbursed. (Not all US insurance policies are as comprehensive as ours.) Our credit card provides a level of travel insurance (reimbursement for changes, etc.) and we take these things into consideration – often determining that insurance is not necessary. The question to ask yourself: If something happened during my trip, what costs would I need to cover- and can I – and what activities would be non-refundable.