Health and Travel Insurance Brokers

What Health and Travel Insurance Brokers does

Health and Travel Insurance Brokers Ltd (trading as Travel Insurance Brokers) is a privately held, niche independent insurance broker based in Hamilton, New Zealand, founded in 2012 by Sandra Grant. The company operates as an intermediary between customers and multiple insurance underwriters, arranging health and travel insurance policies for both inbound travelers to New Zealand (working holiday visa holders, international students, Recognised Seasonal Employer seasonal workers, medical staff, visitors) and outbound New Zealand travelers (IEC Canada working holiday, leisure, pro sports, seniors 65+, group travel, long-term OE/expatriates). The company's core offering is brokerage — not underwriting — across a catalog of approximately ten specialized products (IEC Visa Cover, Pro Sports/High Risk Activities, Leisure Travel, Seniors 65+, Group Travel, Long Term OE/Expatriate, Working Holiday Visas, International Students, Seasonal Workers/RSE, Business & Expatriate). Its technology stack is a standard website (healthinsurance.co.nz) with a quote form, freephone, email, and a content library of 99+ SEO-targeted blog posts. A core product partnership with Cover-More supports the Canadian IEC market via the Cover-More Great Stay policy. The firm does not underwrite risk; it earns brokerage commissions on policies placed with partner insurers. The business model is sales-led and direct-to-consumer, with policy pricing on a quote basis (e.g., $2,200 for a 24-month IEC cover with optional $400 snow sports add-on). Distribution relies on phone, email, online quote requests, and inbound referral from immigration consultants and migration sites. The company's 11-50 employee footprint, founder-led ownership, and specialized niche positioning in segments underserved by mainstream insurers define its operating profile. No external funding, acquisitions, or institutional ownership have been disclosed.

Name

Health and Travel Insurance Brokers

Legal name

Health and Travel Insurance Brokers Ltd

Website

https://www.healthinsurance.co.nz

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Health and Travel Insurance Brokers Ltd is a privately held, independent insurance broker based in Hamilton, New Zealand, arranging health and travel insurance from multiple underwriters for niche segments including working holiday visa holders, international students, seasonal workers, extreme sports participants, and seniors.

Ownership category

akta.pro rank

Product category

Travel Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Travel Insurance & Corporate Risk Transfer (Trip, Medical, Kidnap & Ransom) (THACAEAH), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Travel insurance brokerage
• Working holiday insurance
• Extreme sports insurance
• International student insurance
• Senior travel insurance

Headquarters

HQ city

Hamilton

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commission: Acts as an intermediary offering travel insurance policies from various insurance providers. Earns commission on policies sold through their brokerage service. Refund policy is subject to terms set by the specific insurance provider.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Health and Travel Insurance Brokers is an independent insurance broker that arranges travel and health insurance policies from multiple insurance providers for individuals, families, groups, and businesses. They specialize in niche segments including working holiday visa holders, international students, seasonal workers (RSE), senior travelers, extreme/professional sports participants, expatriates, and corporate/business travelers. Policies are tailored to visa requirements and high-risk activities that mainstream insurers often exclude.

Product overview

Health and Travel Insurance Brokers is an independent niche insurance broking company specializing in all forms of travel insurance. The company acts as an intermediary, offering travel insurance policies from various insurance providers. Their portfolio includes IEC Visa Cover (24-month policies for Canada's IEC Working Holiday Visa), Pro Sports/High Risk Activities Insurance, Leisure Travel Insurance, Seniors Travel Insurance (Age 65+), Group Travel Insurance, Long Term OE/Expatriate Insurance, Working Holiday Visas Insurance, International Students Insurance, Seasonal Workers/RSE Insurance, and Business & Expatriate Travel Insurance. They also distribute specific products like the Cover-More Great Stay Policy. The company facilitates refunds through insurance providers and does not override provider terms.

Differentiator

Problem solved

Functional benefit

Products and services

• IEC Visa Cover (24-Month IEC Insurance Policy) A 24-month comprehensive travel insurance policy designed specifically for New Zealand citizens on Canada's International Experience Canada (IEC) Working Holiday Visa, covering the full duration of the visa with unlimited medical and repatriation, working holiday employment cover, luggage, rental vehicle excess, and an optional snow sports add-on (NZ$400). Priced at NZ$2,200 upfront, approximately NZ$21.15 per week. Source: Cover-More Great Stay policy.
• Pro Sports / High Risk Activities Insurance Specialized travel insurance for professional and competitive sportspeople and high-risk extreme activities (e.g., off-piste skiing, mountain climbing, competitive rodeo, blue water sailing) that are typically excluded from standard policies. Offers unlimited medical and evacuation cover with no exclusions for professional sports.
• Leisure Travel Insurance Comprehensive travel insurance for individual leisure travelers, including those on gap years, frequent travelers, and tourists. Covers travelers over 65 and those with pre-existing medical conditions.
• Seniors Travel Insurance (Age 65+) Travel insurance tailored for senior travelers over 65, offering unlimited medical and evacuation cover with options for pre-existing medical conditions coverage (excluding terminal conditions), missed flights, travel delay, luggage, personal liability, and trip cancellation.
• Group Travel Insurance Health and travel insurance for groups including school groups, cultural groups, and sports teams (including contact sports such as rugby). Cover options range from medical/evacuation only to comprehensive policies including missed flights, luggage, and loss of deposits.
• Long Term OE / Expatriate Insurance Specialized expatriate and international health insurance for employees on overseas work assignments lasting longer than 12 months, with access to policies including lifetime renewal guarantees and hybrid travel/expatriate options for OE travelers.
• Working Holiday Visas Insurance Health and travel insurance for visitors to New Zealand on Working Holiday Visas, meeting NZ Immigration requirements with medical expenses up to NZ$250,000, repatriation to NZ$100,000, optional luggage cover, and automatic cover for up to 31 days in Australia or the South Pacific.
• International Students Insurance Health and travel insurance plans for international students in New Zealand, meeting or exceeding the minimum criteria for the Pastoral Care Code of Practice. Features include unlimited medical and repatriation, no excess on medical claims, high luggage sums insured, and cover for loss of tuition fees.
• Seasonal Workers / RSE Insurance

Quantifiable outcome

• Thousands of Kiwi travelers helped with IEC visa insurance
• +2 more outcomes

Named customers11 records

Segments8 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Cover-MorecoreTechnology or IntegrationPreferred insurance provider offering the Cover-More Great Stay policy designed for Canadian working holidays. The policy includes unlimited medical and repatriation, $10,000 cancellation cover, $8,000 luggage cover, $10,000 rental vehicle excess, and $2.5M personal liability.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• 1Cover Travel Insurance: Australia/NZ-focused online travel insurance provider offering policies for leisure, adventure, and working holiday travelers. Comparable business model targeting similar Pacific customer segments.
• Cover-More Travel Insurance: Cover-More is a leading Australia/New Zealand travel insurance provider and direct partner of Health and Travel Insurance Brokers. They specialize in leisure, working holiday, and adventure travel cover, making them the most direct comparable for product overlap and customer base.
• Southern Cross Travel Insurance: NZ-owned travel insurance specialist serving individual, family, and group travelers from New Zealand. They are a direct competitor in the NZ outbound and inbound travel insurance market with similar target customer segments.
• World Nomads: Global travel insurance provider specializing in adventure and extreme sports coverage for independent travelers. Directly comparable to Health and Travel's high-risk activities and working holiday product lines.
• Fast Cover Travel Insurance: Australia/NZ online travel insurance specialist focused on budget-conscious travelers including backpackers and working holiday makers. Direct competitor for leisure and adventure travel insurance in the trans-Tasman market.

Broad incumbents

• Allianz Travel Insurance: Global insurance giant with strong travel insurance presence in Australia and New Zealand. Offers broader product portfolio including travel, and competes for the same individual and corporate travel customers, but as part of a much wider insurance offering.

Regional players

• TOWER Insurance: New Zealand general insurer offering travel insurance as part of broader personal lines portfolio. Comparable primarily on geographic market (NZ) and channel (broker and direct distribution), though travel is not their primary focus.
• AA Insurance (New Zealand): Major NZ personal lines insurer offering travel, house, car, and contents cover. Competes for the same Kiwi household customer base but operates as a direct insurer rather than a broker.

Others

• InsureMyTrip: Online travel insurance comparison marketplace that aggregates policies from multiple providers. Comparable as a distribution model but operates as a US-centric aggregator rather than a specialist niche broker.
• Compare Travel Insurance (NZ): NZ insurance comparison platform that surfaces travel and other personal lines products from multiple carriers. Adjacent competitor that could substitute for broker-led advice in price-sensitive customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HealthTravelInsuranceBrokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Health and Travel Insurance Brokers