Travel insurance and dental treatment overseas — NZ policy gaps
Why New Zealand travel insurance often excludes elective dental work in Vietnam and what Kiwis should do instead.
The gap Kiwis miss
You insure lost luggage but not the NZD 25,000 mouth you are building.
Typical exclusions
- Planned veneers, implants, cosmetic surgery
- Complications from elective procedures
- Re-do tourism elsewhere
What to do
- Read policy wording (not marketing page)
- Call insurer — note reference number
- Budget warranty return trip — /warranty/travel-reimbursement/
- Keep emergency fund
Medical emergencies
Hospital care for facial infection may be covered as acute illness — still call insurer from ED.