The Cost Of Visitors Not Having Travel Insurance For New Zealand

While many of our articles have focused on the type of insurance we recommend for travellers to and from New Zealand, little is written about the burden on the taxpayer resulting from those visitors who do not have travel insurance. This article will discuss some of the recent data and information about non-insured visitors to New Zealand.

Every year in New Zealand there are patients admitted to our hospitals who are ineligible for publicly funded healthcare because they are not residents here (and they failed to meet other criteria). The type of illnesses range from liver disease, angina, kidney disease, kidney stones, and abdominal pain, to name just a few.

Usually these people are treated at the expense of the New Zealand taxpayer, with most of that money, amounting to thousands of dollars, being written off as bad debt by the District Health Boards that they fall under. An estimated total for New Zealand, over the 10 year period between 2000 and 2010, is $630 million. This debt will reach about $1 billion this decade, if there are no changes to identification, billing and recovery cost systems currently used.

Statistics show that out of the three million plus travellers to New Zealand, 80% are not entitled to free healthcare and those without travel insurance are a major burden on our health system. New Zealand’s Minister of Health has publicly acknowledged the problem and has stated in the media that systems would be tightened up. Measures being discussed include the sharing of information between government agencies, that will help check who is eligible for public care. For example, some accidents are covered by the Accident Compensation Corporation (ACC), but not all.

The cost to travellers not only includes medical care, but also the cost of extending their stay. This can include changes to flights, additional costs of accommodation for them and their travel companions or family, phone bills, food etc. All these costs accumulate and can amount to tens of thousands of dollars.

The Immigration department recommends that visitors to New Zealand have comprehensive medical insurance for the entire length of their stay. Some visa categories require compulsory medical and travel insurance (such as Working Holiday visas), so it pays to check these criteria carefully before you start travelling.

New Zealand inbound travel insurance providers have a wide range of options specifically designed for different visa categories, and their travel insurance policies work best within the framework of the New Zealand health system. Furthermore, travellers may be surprised to find that travel insurance is not costly. Many travel and health insurance brokers can easily and quickly give quotes on insurance costs, for all lengths of stay. These brokers can also explain how the health care system works in New Zealand, and give an outline of who is eligible to free healthcare and who is not.

So before your next visit, contact a New Zealand travel insurance broker to make sure you get the right insurance cover.

The Top 5 Travel Blog Sites For You

Researching a holiday used to be one tough experience earlier. Your only sources for information would be the travel agents and travel brochures. With both these sources there were pitfalls, in the form of vested interested in signing you up. However, things have changed dramatically with the advent of digital technology. Travel blog sites containing detailed information offer an excellent way to find out about various tourist destinations. These sites contain practical information collected by the authors of the blog about various things such as the accommodation options, happening places, restaurants and night life in various cities. Another good thing about blogs is that you can always interact with the author, as well as other travelers and get to know unique information about particular travel destinations. Let us take a look at some of the top travel blog sites here.

One blog site that has caught the imagination of worldwide travelers is “where are you now”. This online source- has got over 14 million members and offers an excellent online platform to meet and discuss travel options from people belonging to over 190 countries. You can find plenty of useful travel reviews, with accompanying photographs to guide you on this travel blog.

If you like to be pampered in the lap of luxury while you travel, then you can visit, which offers exhaustive information on luxury travel options. You can find out where you can rub shoulders with the rich and famous. The author, Paul Johnson offers up to date travel information covering both accommodation options and luxury accessories.

If it is city breaks that you are looking for then one of the best online sources to visit would be One great thing about this blog is its easy navigability. You can find lots of information on the happening cities in the world on this site. You can also find detailed roadmaps to various attractions in different cities. The site also boasts of excellent photographs.

For travelers who are on the lookout for practical advice then look no further than You can find the author of the blog, Darren Cronian share travel industry secrets in a humorous way on this site. The author offers practical advice on how to deal with various types of cons that are unique to the travel industry in quite some detail.

Just in case you have some clarifications to be made about travel related issues, then you could always visit This travel blog site is from American Conde Nast Traveler and offers excellent advice to travelers. In fact, this is one of the most popular interactive travel blogs going around nowadays. All that you need to do is to post in your queries and get objective advice.

Sukkot on the Go: A Traveler’s Guide

Sukkot while traveling is problematic in several different ways. However there may be many recent innovations with the sukkah (with such things as the travel sukkah and pop-up sukkah being a possibility), which leaves to problem of where, and when to eat, and while on the road, these dilemmas can be worrisome.

Are there any exceptions for the traveler to eat in a sukkah?

It is said in the Gemara that those who travel by day are exempt from the sukkah by day but are obligated to at night, and that those who travel by night are exempt at night but obligated in the day, and that those who travel both day and night are exempted in both those times as well. The principle behind this is that it is normal for one to travel without permanent dwelling, however when the traveler finishes for the day, it would be time for him to search for a sukkah. This is why day-travelers are exempt from sukkah by day, and night-travelers, at night.

The Gemara also makes a distinction between regular travelers and one traveling for purposes of mitzvah. A mitzcah traveler is exempt from the sukkah both by day and by night, because one who is already prior engaged to a mitzvah is exempt from a secondary mitzvah.

Are all travelers included in these exemptions?

The Gemara states that travelers for business should be exempted, but not travelers seeking pleasure. The reasoning behind this is that it is customary for one to leave home to do business, but it is not a necessity to leave to comforts of home for pleasure (assuming that home, in itself, is pleasurable enough), and that it merely seeks to satisfy only a desire and no other purpose.

Should one go on a journey knowing that there are no sukkahs along the way?

As stated in the previous paragraph, one would be permitted to journey and would be exempt from searching for sukkahs at certain times of day given that there are any, if one travels for business or for mitzvah purposes. Defining what constitutes a mitzvah purpose is another matter altogether, however it has been said that traveling for livelihood could also be considered a mitzvah purpose. Another mitzvah is that of visiting relatives, most pointedly of visiting parents, where the mitzvah of honoring your parents are concerned. Travelers with such objectives are exempt from the sukkah also.

It is cited repeatedly, that traveling for pleasure is deemed optional traveling, and should not included in said exemptions.

Since Sukkot requires that any kind of eating should be done in a sukkah, is there any difference between actual meals and snacking, when it comes to eating outside of the sukkah?

The entire discussion (and often, confusion) in regards of exemptions from a sukkah relates to the activities that are absolutely required to be done within it. While doing all of one’s daily, regular, activities inside a sukkah is very commendable, the only activities that demand a sukkah is eating a meal and sleeping.

Such is a dilemma for travelers, as one could not very well be bothered to search for a sukkah while on the road when one is hungry!

To eat less than a ke-beitzah (an egg’s worth) of bread, or less than a ke ‘viat seudah (a meal’s worth) of grain items, such as cookies or cake, would constitute a snack, and these are allowed to be consumed outside of the sukkah.

Important Facts You Need to Know About Travel Adaptors

What is a Travel Adaptor?

In simple terms, power adaptors are gadgets that act as a medium to make the power supply cord of your appliance compatible with the wall outlet that supplies electricity to make the appliance work.

There are so many types of wall outlets, depending on the country that uses them. It is the reason why there are also many types of travel adaptors in the marketplace. Travel adaptors are easy to find. They are sold at travel stores, electronic supplies stores, electrical stores, and virtual stores all over the Internet. These gadgets are very useful especially if you are on a trip to another country with your cell phone, camera, laptop or other appliances.

One thing you must remember about travel adaptors though is that they don’t have the capability to transform electricity from one voltage to another. It just allows your power supply cord to adapt to the ‘foreign’ electrical outlet that is of different type and shape from the male plug of your power cord. For example, if your appliance uses 110 volts, you cannot plug it in to a 220-volt outlet even if its male plug matches with the wall outlet. Do not even try it; your appliance will surely get busted.

Transformation of electric current from one voltage to another is done by an electric transformer.

Travel Adaptors are Handy

Bringing a travel adaptor anywhere is not much of a problem for travelers because they are small and very handy. You can place it in a small section of your luggage and it can’t make any significant difference in the weight of your baggage. This little gadget is really very important, especially if you are on a business trip and you are using your laptop or computer for a presentation in a country that has a different electrical system. Just make sure to know what type of outlet that country uses so that you will be able to bring along the appropriate adaptor.

Travel Adaptors are Easy to Find

With the advanced technology that we have, travel adaptors have become ordinary gadgets that are available in all types and quantities. You can find them almost in any store that sells electrical, electronic, and travel or luggage suppliers. They are also available at online electrical, electronic, and travel stores.

One very good thing about travel adaptors is they are not expensive. They are sold at an average price of $10 per unit. You can’t afford to spoil a great vacation time or business trip for a mere $10.

What’s the Difference between Adapter and Adaptor?

From the electrical point of view, these two terms actually refer to the same thing. According to Wikipedia, an “adaptor or adapter is a device that converts attributes of one device or system to those of an otherwise incompatible device or system.”

A travel adaptor is just a small, inexpensive device, but in can ruin your day in travel if you ignore its importance. You should bring one with you wherever you go. It can make a difference one day in your life as a traveler, believe me.