MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • Best Investment Apps
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Best Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Top Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Investing Guide
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Advisers
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Wellington
          • Financial Advisers Christchurch
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Lending Crowd Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home, Contents and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Investment Property Mortgages
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • Travel Insurance
    • Compare Travel Insurance
    • AMEX Airpoints Platinum Travel Insurance Review
    • Travel Insurance by Destination
      • Australia and the Pacifc
        • Australia Travel Insurance
        • Fiji Travel Insurance
        • Rarotonga Travel Insurance
      • Asia
        • Bali Travel Insurance
        • China Travel Insurance
        • India Travel Insurance
        • Japan Travel Insurance
        • Malaysia Travel Insurance
        • Singapore Travel Insurance
        • South Korea Travel Insurance
        • Thailand Travel Insurance
        • Vietnam Travel Insurance
      • Americas & Africa
        • Canada Travel Insurance
        • Peru Travel Insurance
        • South Africa Travel Insurance
        • USA Travel Insurance
      • Europe
        • France Travel Insurance
        • Greece Travel Insurance
        • Italy Travel Insurance
        • UK Travel Insurance
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross Travel Insurance Review
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Pregnancy and Travel Insurance - The Definitive Guide for New Zealanders Heading Overseas

Our guide explains pregnancy-specific policy coverage, gestational age limits, complications, premature birth coverage, and compares top New Zealand travel insurers to help you make an informed decision about what policy to buy.
Best Pregnancy Travel Insurance NZ
Updated 10 June 2023

Summary
  • This guide aims to demystify the intersection between pregnancy and travel insurance, helping expectant New Zealanders understand the ins and outs of travel insurance policies and ensuring they can make informed decisions when preparing for overseas travel.
  • As per a June 2023 article in the NZ Herald, while midwives and airlines are perfectly happy allowing air travel up until the 28th week or the third trimester of pregnancy without prior approval, "most insurers tend to draw the line for travel cover at 24 weeks". Our research confirms it can be as low as 20 weeks.
  • As confirmed in the same article, the travel insurance industry standard is to cover medical expenses related to pregnancy for the first "23 weeks and six days; anything after that (such as complications or expenses from childbirth overseas) won't be covered". Some insurers limit this further to 20 weeks, treating "pregnancy or childbirth (except for unforeseen medical complications or emergencies within the first 20 weeks/140 days of a pregnancy)" as a general exclusion.
  • Travel insurance provides a safety net for pregnant travellers, but it's vital to understand what's covered and what's not. There is a lot of risk to both traveller and insurer when pregnant and overseas, so don't hesitate to ask your insurer questions to make sure you understand what's covered. It's also essential to read the policy wording carefully.  
  • We believe what matters to pregnant travellers are factors such as the gestational age limit, complications coverage, and premature birth coverage.

To help you understand pregnancy and travel insurance in detail, our guide covers the following:
  • Limits on Travel When Pregnant - Airlines vs Travel Insurers
  • Understanding Pregnancy Coverage in Travel Insurance
  • How to Choose the Best Travel Insurance for Pregnancy
  • Understanding Pregnancy-Related Coverage in Your Travel Insurance Policy: Four Potential Scenarios
  • Frequently Asked Questions

Know This First: What should I consider when choosing a travel insurance policy during pregnancy?
The key factors to consider are:
  • The gestational age limit set by the insurance provider.
  • The scope of coverage for pregnancy complications.
  • The policy's approach to premature birth.

It's also worth considering coverage for cancellation due to unexpected pregnancy complications. This way, you're protected before and during your journey from unexpected medical and travel costs.

Video Guidance:
To help explain pregnancy and travel insurance, MoneyHub Founder Christopher Walsh walks through this guide and addresses what you need to know:

Pregnancy Travel Insurance - Airlines vs Insurers Maximum Weeks for Travel

Limits on Travel When Pregnant - Airlines vs Travel Insurers

Beyond the 28th week of your pregnancy, most airlines stipulate that you must have a written document or certification from a certified midwife or medical professional in your possession. This certification should affirm the following:
  • The projected date of your delivery
  • Whether you're expecting one or more babies
  • An assurance that your pregnancy is progressing normally, with no existing complications

This certification must be accessible upon request and kept in your carry-on luggage at the airport and during your flight. You'll also need medical clearance if any complications are associated with your pregnancy.

Contrary to airline policies, our research indicates that travel insurance providers typically limit coverage up to only the end of the 24th week of pregnancy (and for some insurers, less than that). This implies that although airlines may permit you to travel (as indicated in the table below), you may not be covered by your travel insurance.
Airline
SIngle Pregnancy Limit
Multiple Pregnancy Limit
Air New Zealand
Up to end of 40th week
Up to end of 36th week
Emirates
Up to end of 36th week
Up to end of 32nd week
Jetstar
Up to end of 40th week
Up to end of 36th week
Qantas
Up to end of 40th week
Up to end of 36th week
Qatar Airways
Up to end of 35th week
Up to end of 32nd week
Singapore Airlines
Up to end of 36th week
Up to end of 32nd week
Please be aware that many airlines have decreased week limits for longer flights, and that this information is subject to change without notice.

Understanding Why Travel Insurance Typically Excludes Coverage for Pregnancy Beyond the 20th - 24th Week

Generally, the reason is not necessarily linked to the perceived dangers of pregnant travellers being out of New Zealanders; instead, the rationale behind this exclusion has more to do with the potential expenses incurred overseas for medical care.

While airlines restrict travellers to limit the risk of going into labour during flights, insurers want to minimise the high costs associated with neonatal care in foreign countries, which can be significant.

As per a June 2023 article in the NZ Herald, in the United States, the average cost of admitting a mother and her child to a neonatal intensive care unit between the 28th and 32nd weeks of pregnancy ranges from US$40,000 to US$100,000. These are costs that insurers would prefer not to underwrite, so outright exclude anyone further along than 24-weeks from cover.

Pregnancy Travel Insurance - Understanding the Policy Cover

Understanding Pregnancy Coverage in Travel Insurance

  • Travel insurance policies usually cover pregnant travellers, but the extent of coverage and the conditions applied can vary widely between insurance providers. 
  • General policy coverage for pregnant travellers often includes medical expenses related to unexpected pregnancy complications, emergency medical evacuation, and sometimes even childbirth if it occurs prematurely. However, most policies have gestational limits beyond which they do not provide coverage. 
  • Furthermore, routine prenatal care, childbirth within a certain period before the estimated due date, or costs associated with a normal pregnancy (like morning sickness) are usually excluded. Other risks that arise include complications and early child birth, of which cover levels can vary:
  • Complications During Pregnancy: Most travel insurance policies cover unexpected complications during pregnancy, such as gestational diabetes, preeclampsia, or ectopic pregnancy. However, insurers may have specific definitions and limitations around what they consider a 'complication', so reviewing your policy thoroughly is important.
  • Childbirth Overseas: While most travel insurance policies exclude normal childbirth, many provide coverage if childbirth happens prematurely. This is usually defined as childbirth happening a certain number of weeks (typically 8 to 10) before the estimated due date. The coverage often includes medical expenses for the mother and newborn following a premature birth, up to the policy limits.
  • Cancellations, Delays, and Curtailment: Unexpected pregnancy complications can mean a trip is cancelled or curtailed; travel insurance policies usually only offer cover if if the complication is diagnosed after the policy was purchased and is unrelated to a pre-existing condition. In any case, a medical certificate or documentation from a doctor will be needed to validate the claim.

Pregnancy Travel Insurance - Best Options

How to Choose the Best Travel Insurance for Pregnancy

Pregnant travellers typically focus on critical considerations such as the gestational limit covered by the policy, the extent of coverage for pregnancy complications, and the policy's stance on premature birth. While most insurers cater to covering pregnancy complications, obtaining coverage for childbirth proves to be challenging, as many insurance providers do not typically include this in their standard policies.

Understand what you're (usually) covered for:

Regarding the gestational age limit for travel insurance coverage, most policies limit coverage to around 23-24 weeks of pregnancy. However, some may go as low as 20 weeks or as high as 26 weeks, as outlined below.

Then, under most comprehensive policies, there will be:
  1. Coverage for pregnancy complications and premature birth, covering unexpected complications that arise during pregnancy and the medical costs for the mother and newborn following a premature birth.
  2. Coverage for trip cancellation due to unexpected pregnancy complications diagnosed after purchasing the insurance policy.
  3. No cover for routine prenatal care and regular childbirth (as most policies exclude these from coverage).

Important: Pregnant travellers with pre-existing conditions, such as gestational diabetes or high blood pressure, may need to pay higher premiums or face additional coverage limitations.

The cost of a policy will spend on your current health status, the planned destination and duration of travel, and specific activities during the trip.

Understanding gestational limits:

These are the gestational limits provided by various travel insurance companies for coverage during single pregnancies:
  • Cover up to the end of the 26th week: nib Travel Insurance and World Nomads Travel Insurance
  • Cover up to the end of the 24th week: 1Cover Travel Insurance, AMI Travel Insurance, Cover-More Travel Insurance, Southern Cross Travel Insurance, TINZ Travel Insurance and Zoom Travel Insurance
  • These gestational limits represent the maximum pregnancy term these insurers will cover as part of their standard policies. Beyond these limits, any pregnancy-related claims may not be honoured, highlighting the importance of understanding your policy's terms and conditions before travelling.

To assist you in understanding your potential coverage, we've outlined the pregnancy policies of the most popular travel insurers below. However, since policies can change without notice, we strongly recommend clicking through to the insurer's site and thoroughly reviewing their terms in detail for the most accurate, up-to-date information:
  • 1Cover Travel Insurance - Pregnancy cover terms outlined here (up to and inclusive of the 24th week of gestation)
  • AA Travel Insurance - Pregnancy cover: Only for medical treatment for unforseen complications within the first 20 weeks.
  • AMI Travel Insurance - Pregnancy cover: Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy (up to 23 weeks, 6 days), childbirth is not covered, and costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.
  • Chubb Travel Insurance - Pregnancy cover: Only for unexpected medical complications or emergencies arising therefrom, as well as trip cancellation and amendment, cover up to the end of the 23rd week
  • Cover-More Travel Insurance - Pregnancy cover: Pregnancy cover terms outlined here (up to and inclusive of the 24th week of gestation)
  • nib Travel Insurance - Pregnancy cover: No cover if a claim arises out of pregnancy or related complications after 26 weeks of pregnancy with a single baby or after 19 weeks of pregnancy with a multiple pregnancy. No cover is provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.
  • State Travel Insurance - Pregnancy cover: Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy (up to 23 weeks, 6 days), childbirth is not covered, and costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.
  • Southern Cross Travel Insurance - Pregnancy cover: International Comprehensive policy covers you for costs or losses relating to your pregnancy up to and including the 24th week, as outlined here.
  • TINZ Travel Insurance - Pregnancy cover terms outlined here, cover up to the end of the 24th week
  • Tower Travel Insurance - Pregnancy cover: No cover for pregnancy or childbirth (except for unforeseen medical complications or emergencies within the first 20 weeks/140 days of your pregnancy). There is no cover for a child born overseas unless, after birth, cover is applied for and Tower agrees in writing to include the child in this cover
  • World Care Travel Insurance - Pregnancy cover: No cover for pregnancy or childbirth (except for unforeseen medical complications or emergencies within the first 20 weeks/140 days of your pregnancy). There is no cover for a child born overseas unless, after birth, cover is applied for and Tower agrees in writing to include the child in this cover
  • World Nomads Travel Insurance - Pregnancy cover terms outlined here, cover up to the end of the 26th week
  • Zoom Travel Insurance - Pregnancy cover: Zoom automatically cover mums-to-be up to 24 weeks in gestation for single pregnancies and 19 weeks for multiple, but there are limits as outlined in the policy.

Important: Don't be tempted to go with a cheap policy without reading what it covers - always balance the cost of the policy with the potential costs of unforeseen events such as travelling. At the same time, pregnancy puts you at a higher risk of needing medical treatment.

Specific Pregnancy Cover by Popular Insurers:

AA, Tower and Worldcare:
  1. Gestational Limit for Coverage: Covers up to the first 20 weeks (or 140 days) of pregnancy.
  2. Scope of Coverage: The policy will cover unforeseen medical complications or emergencies occurring within the first 20 weeks of pregnancy.
  3. Exclusions:
    • The policy does not cover pregnancy or childbirth, except for unforeseen medical complications or emergencies within the first 20 weeks.
    • There is no automatic cover for a child born overseas.
  4. Coverage for Newborns: No automatic coverage for a child born overseas. However, coverage may be granted if it's applied for after the birth and if the insurer agrees in writing to include the child in the cover.
AMI, Cover-More and State:
  1. Gestational Limit for Coverage: Provides coverage up to the 24th week of pregnancy (i.e., up to 23 weeks, 6 days).
  2. Scope of Coverage: The policy only covers serious, unexpected pregnancy complications occurring within the aforementioned gestational limit.
  3. Coverage for Newborns: No coverage for the health or care of a newborn child, regardless of when the child is born during the pregnancy.
Chubb:
  1. Gestational Limit for Coverage: Coverage is provided up to the end of the 23rd week of pregnancy. After this period, any costs under their Overseas Medical Emergency Expenses Cover are excluded.
  2. Scope of Coverage: The policy will cover medical emergencies relating to the pregnancy that occur up until the end of the 23rd week, provided these are not related to any pre-existing medical condition or any past medical conditions relating to a previous pregnancy
  3. Coverage for Newborns: There is no coverage for newborns, whether premature or otherwise. The newborn is not considered a covered person under the policy if the child was born during the trip.
NIB and World Nomads:
  1. Gestational Limit for Coverage: Coverage up to the 26th week of pregnancy.
  2. Scope of Coverage: The policy covers any event that arises from your pregnancy, provided that the event causing the claim is a covered event under this policy and is a pregnancy-related illness.
  3. Coverage for Newborns: NIB and World Nomads do not provide coverage for the health or care of a newborn child, regardless of when the child is born during the pregnancy.
Southern Cross:
  1. Gestational Limit for Coverage: Southern Cross provides coverage up until the 24th week of pregnancy (i.e., up to 23 weeks, 6 days). The gestational age is measured in weeks and days, calculated from the first day of your last menstrual period or calculated from staging ultrasound.
  2. Scope of Coverage: The policy automatically covers a single pregnancy, a multiple pregnancy (such as twins or triplets), and a pregnancy through fertility treatment, as long as there were no complications with the pregnancy before the policy was bought. The coverage includes medical expenses related to pregnancy, including overseas childbirth up until the 24th week, and neonatal care of the newborn child up until the date and time you return to New Zealand.
  3. Coverage for Newborns: Southern Cross does provide neonatal care for the newborn child up until the date and time you return to New Zealand, as long as the child was born within the covered gestational period.

Understanding Pregnancy-Related Coverage in Your Travel Insurance Policy NZ

Understanding Pregnancy-Related Coverage in Your Travel Insurance Policy: Four Potential Scenarios

Navigating the ups and downs of pregnancy can be challenging enough without the added complexities of travel. That's why comprehensive travel insurance policies often include specific pregnancy-related provisions.

The policy details provided provide clear guidelines on what kind of pregnancy-related scenarios are covered. These guidelines are essential for any pregnant individual planning a trip, so they can understand what costs or losses can be covered.

Below, we explore four scenarios that could potentially arise and how the policy might respond, using the Southern Cross Travel Insurance Policy as an example. These scenarios illustrate how the policy provides coverage, from unexpected overseas childbirth to dealing with pre-existing pregnancy complications.

To illustrate these scenarios, MoneyHub's founder, Christopher Walsh, provides a detailed analysis of the policy's response to the issues faced in the video below:
Scenario 1: "Cover for Overseas Childbirth"
  • Mia and Mark are on holiday in Europe. Unexpectedly, Mia goes into labour during the 23rd week of her pregnancy.
  • The premature baby is born and requires immediate neonatal care in the local hospital. In this situation, the policy would cover the costs of childbirth overseas as well as the neonatal care of the newborn until the couple returns to New Zealand.

Scenario 2: "Cover for Cancelling or Changing Your Journey"
  • Helen and Mike plan a trip to Canada for Helen's 20th week of pregnancy. Just before the trip, her doctor determines that she has a serious medical complication related to the pregnancy that makes it unsafe for her to travel.
  • In this scenario, the policy would cover the costs of cancelling or changing the journey due to the medical complication, provided the advice came from her obstetrician or a vocationally registered medical practitioner (obstetrics).

Scenario 3: "Cover for Returning Home to Support a Pregnant Relevant Person"
  • Tom is on a business trip overseas. Back home, his wife Anna, who is 22 weeks pregnant, is admitted to the hospital due to complications with her pregnancy.
  • According to the policy, Tom can make a claim under "Cutting your journey short" to return home and support his wife in this situation.

Scenario 4: "Coverage for Pre-existing Pregnancy Complications"
  • Angie had a history of pre-eclampsia in her previous pregnancies, which is considered a pre-existing medical condition according to the policy.
  • She is now pregnant and planning an overseas trip. If she undergoes a medical assessment, discloses this pre-existing condition, and pays any extra premium, she could be covered for any costs or losses related to a recurrence of pre-eclampsia during her trip, provided the insurer agrees to cover this in writing.

Know This: Travel insurance policies can be complex and highly specific, particularly in specialised coverage areas such as pregnancy. It's crucial to read the policy details thoroughly before purchasing, as the coverage can significantly differ based on various factors, including the stage of pregnancy, any pre-existing conditions, and the nature of the travel planned. 

It's also important to note that insurance policies can change frequently, meaning what might have been covered in the past might not necessarily be covered in the future. 

Clarifying any uncertainties directly with the insurance provider is always recommended. These scenarios are simply examples, and the specifics of your policy will vary.

Pregnancy Travel Insurance FAQs NZ

Frequently Asked Questions

In the video below, MoneyHub's founder Christopher Walsh demystifies travel insurance policies for pregnant travellers, addressing frequently asked questions and common concerns.

What is the cut-off week for travel insurance coverage for pregnancy?

Most insurers set a cut-off week, usually around 23-24 weeks. Beyond this gestational age, insurers may not provide coverage due to the increased risk of childbirth and complications.

Does travel insurance cover childbirth?

Regular childbirth is typically not covered by standard travel insurance policies. However, many policies provide coverage for premature birth, usually defined as childbirth occurring a certain number of weeks before the due date.

Can I get a refund for my trip if I can't travel because of my pregnancy?

If you have to cancel your trip due to an unexpected pregnancy complication diagnosed after you purchased your policy, you may be able to claim cancellation costs. Always check with your insurer for specific terms and cover around this as complications before a trip, unfortunately, are somewhat common. 

Do I need to inform my insurance provider that I'm pregnant before I travel?

Yes, informing your insurance provider about your pregnancy is crucial before you travel. Some providers may have specific requirements or exclusions for pregnant travellers.

What documentation will I need to make a claim related to my pregnancy?

You'll likely need a medical report or certificate from a doctor detailing the nature of the complication or condition that led to your claim. It's best to check with your insurer for any specific documentation they may require.

How does travel insurance treat multiple pregnancies?

Insurance policies may vary in how they treat multiple pregnancies. Some policies may have earlier cut-off weeks for coverage (e.g. 19 weeks instead of 24 weeks etc.), while others may not provide coverage for multiple pregnancies. Always check with your insurer for details.

What about cover if there have been pregnancy complications in the past?

If you've had complications with a pregnancy in the past, this needs to be disclosed upfront. Most insurers will let you apply for coverage for these complications. You must complete a medical assessment, disclose all your diagnosed pre-existing medical conditions, pay any extra premium, and have the insurer confirm your coverage in writing.

Is prenatal care covered by travel insurance?

Routine prenatal care, such as check-ups and scans, are typically not covered by travel insurance. Coverage is usually limited to unexpected complications arising from pregnancy.

Are medical costs for the baby covered if I give birth overseas?

Most insurers do not provide coverage for the care of a newborn child, irrespective of the stage of pregnancy at which the child is born. However, some policies may cover medical expenses for the newborn following a premature birth up to the policy limits.

Can I be covered if my doctor advises against travel but I decide to proceed?

If you travel against medical advice, your travel insurance may become void. Discussing such scenarios with your insurance provider to understand the implications is best. Always read your chosen insurer's policy wording carefully to understand what is and isn't covered.

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  • Credit Cards
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    • Reviews
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        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Travel Money By Country
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  • Banking & Savings
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      • LifeDirect Mortgages Review
    • Buying a Home
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  • KiwiSaver
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  • MSD
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  • Motoring
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    • Warrant of Fitness
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  • Law
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    • Best of New Zealand
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  • Travel Insurance
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    • Essential Information
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  • Mobile & SIM
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  • Broadband
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  • Power
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    • Electric Vehicle Power Plans
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    • Power Companies
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  • Essential Money Tips
    • Must-Read Lists & Tips
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      • 10 Signs You’re in Financial Danger
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      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Supermarket Ripoffs
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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