NZ Herald
  • Home
  • Latest news
  • Herald NOW
  • Video
  • New Zealand
  • Sport
  • World
  • Business
  • Entertainment
  • Podcasts
  • Quizzes
  • Opinion
  • Lifestyle
  • Travel
  • Viva
  • Weather

Subscriptions

  • Herald Premium
  • Viva Premium
  • The Listener
  • BusinessDesk

Sections

  • Latest news
  • New Zealand
    • All New Zealand
    • Crime
    • Politics
    • Education
    • Open Justice
    • Scam Update
  • Herald NOW
  • On The Up
  • World
    • All World
    • Australia
    • Asia
    • UK
    • United States
    • Middle East
    • Europe
    • Pacific
  • Business
    • All Business
    • MarketsSharesCurrencyCommoditiesStock TakesCrypto
    • Markets with Madison
    • Media Insider
    • Business analysis
    • Personal financeKiwiSaverInterest ratesTaxInvestment
    • EconomyInflationGDPOfficial cash rateEmployment
    • Small business
    • Business reportsMood of the BoardroomProject AucklandSustainable business and financeCapital markets reportAgribusiness reportInfrastructure reportDynamic business
    • Deloitte Top 200 Awards
    • CompaniesAged CareAgribusinessAirlinesBanking and financeConstructionEnergyFreight and logisticsHealthcareManufacturingMedia and MarketingRetailTelecommunicationsTourism
  • Opinion
    • All Opinion
    • Analysis
    • Editorials
    • Business analysis
    • Premium opinion
    • Letters to the editor
  • Politics
  • Sport
    • All Sport
    • OlympicsParalympics
    • RugbySuper RugbyNPCAll BlacksBlack FernsRugby sevensSchool rugby
    • CricketBlack CapsWhite Ferns
    • Racing
    • NetballSilver Ferns
    • LeagueWarriorsNRL
    • FootballWellington PhoenixAuckland FCAll WhitesFootball FernsEnglish Premier League
    • GolfNZ Open
    • MotorsportFormula 1
    • Boxing
    • UFC
    • BasketballNBABreakersTall BlacksTall Ferns
    • Tennis
    • Cycling
    • Athletics
    • SailingAmerica's CupSailGP
    • Rowing
  • Lifestyle
    • All Lifestyle
    • Viva - Food, fashion & beauty
    • Society Insider
    • Royals
    • Sex & relationships
    • Food & drinkRecipesRecipe collectionsRestaurant reviewsRestaurant bookings
    • Health & wellbeing
    • Fashion & beauty
    • Pets & animals
    • The Selection - Shop the trendsShop fashionShop beautyShop entertainmentShop giftsShop home & living
    • Milford's Investing Place
  • Entertainment
    • All Entertainment
    • TV
    • MoviesMovie reviews
    • MusicMusic reviews
    • BooksBook reviews
    • Culture
    • ReviewsBook reviewsMovie reviewsMusic reviewsRestaurant reviews
  • Travel
    • All Travel
    • News
    • New ZealandNorthlandAucklandWellingtonCanterburyOtago / QueenstownNelson-TasmanBest NZ beaches
    • International travelAustraliaPacific IslandsEuropeUKUSAAfricaAsia
    • Rail holidays
    • Cruise holidays
    • Ski holidays
    • Luxury travel
    • Adventure travel
  • Kāhu Māori news
  • Environment
    • All Environment
    • Our Green Future
  • Talanoa Pacific news
  • Property
    • All Property
    • Property Insider
    • Interest rates tracker
    • Residential property listings
    • Commercial property listings
  • Health
  • Technology
    • All Technology
    • AI
    • Social media
  • Rural
    • All Rural
    • Dairy farming
    • Sheep & beef farming
    • Horticulture
    • Animal health
    • Rural business
    • Rural life
    • Rural technology
    • Opinion
    • Audio & podcasts
  • Weather forecasts
    • All Weather forecasts
    • Kaitaia
    • Whangārei
    • Dargaville
    • Auckland
    • Thames
    • Tauranga
    • Hamilton
    • Whakatāne
    • Rotorua
    • Tokoroa
    • Te Kuiti
    • Taumaranui
    • Taupō
    • Gisborne
    • New Plymouth
    • Napier
    • Hastings
    • Dannevirke
    • Whanganui
    • Palmerston North
    • Levin
    • Paraparaumu
    • Masterton
    • Wellington
    • Motueka
    • Nelson
    • Blenheim
    • Westport
    • Reefton
    • Kaikōura
    • Greymouth
    • Hokitika
    • Christchurch
    • Ashburton
    • Timaru
    • Wānaka
    • Oamaru
    • Queenstown
    • Dunedin
    • Gore
    • Invercargill
  • Meet the journalists
  • Promotions & competitions
  • OneRoof property listings
  • Driven car news

Puzzles & Quizzes

  • Puzzles
    • All Puzzles
    • Sudoku
    • Code Cracker
    • Crosswords
    • Cryptic crossword
    • Wordsearch
  • Quizzes
    • All Quizzes
    • Morning quiz
    • Afternoon quiz
    • Sports quiz

Regions

  • Northland
    • All Northland
    • Far North
    • Kaitaia
    • Kerikeri
    • Kaikohe
    • Bay of Islands
    • Whangarei
    • Dargaville
    • Kaipara
    • Mangawhai
  • Auckland
  • Waikato
    • All Waikato
    • Hamilton
    • Coromandel & Hauraki
    • Matamata & Piako
    • Cambridge
    • Te Awamutu
    • Tokoroa & South Waikato
    • Taupō & Tūrangi
  • Bay of Plenty
    • All Bay of Plenty
    • Katikati
    • Tauranga
    • Mount Maunganui
    • Pāpāmoa
    • Te Puke
    • Whakatāne
  • Rotorua
  • Hawke's Bay
    • All Hawke's Bay
    • Napier
    • Hastings
    • Havelock North
    • Central Hawke's Bay
    • Wairoa
  • Taranaki
    • All Taranaki
    • Stratford
    • New Plymouth
    • Hāwera
  • Manawatū - Whanganui
    • All Manawatū - Whanganui
    • Whanganui
    • Palmerston North
    • Manawatū
    • Tararua
    • Horowhenua
  • Wellington
    • All Wellington
    • Kapiti
    • Wairarapa
    • Upper Hutt
    • Lower Hutt
  • Nelson & Tasman
    • All Nelson & Tasman
    • Motueka
    • Nelson
    • Tasman
  • Marlborough
  • West Coast
  • Canterbury
    • All Canterbury
    • Kaikōura
    • Christchurch
    • Ashburton
    • Timaru
  • Otago
    • All Otago
    • Oamaru
    • Dunedin
    • Balclutha
    • Alexandra
    • Queenstown
    • Wanaka
  • Southland
    • All Southland
    • Invercargill
    • Gore
    • Stewart Island
  • Gisborne

Media

  • Video
    • All Video
    • NZ news video
    • Herald NOW
    • Business news video
    • Politics news video
    • Sport video
    • World news video
    • Lifestyle video
    • Entertainment video
    • Travel video
    • Markets with Madison
    • Kea Kids news
  • Podcasts
    • All Podcasts
    • The Front Page
    • On the Tiles
    • Ask me Anything
    • The Little Things
  • Cartoons
  • Photo galleries
  • Today's Paper - E-editions
  • Photo sales
  • Classifieds

NZME Network

  • Advertise with NZME
  • OneRoof
  • Driven Car Guide
  • BusinessDesk
  • Newstalk ZB
  • Sunlive
  • ZM
  • The Hits
  • Coast
  • Radio Hauraki
  • The Alternative Commentary Collective
  • Gold
  • Flava
  • iHeart Radio
  • Hokonui
  • Radio Wanaka
  • iHeartCountry New Zealand
  • Restaurant Hub
  • NZME Events

SubscribeSign In

Advertisement
Advertise with NZME.
Home / New Zealand

Kerre McIvor: I want peace of mind on holiday

By Kerre McIvor
Herald on Sunday·
3 Nov, 2018 04:00 PM4 mins to read

Subscribe to listen

Access to Herald Premium articles require a Premium subscription. Subscribe now to listen.
Already a subscriber?  Sign in here

Listening to articles is free for open-access content—explore other articles or learn more about text-to-speech.
‌
Save

    Share this article

Photo / 123RF

Photo / 123RF

Opinion by Kerre McIvorLearn more

COMMENT: I couldn't think of many things worse than being hospitalised miles away from home and far from the support of family and friends, other than being hospitalised miles away from home and the support of family and friends and lacking travel insurance.

Sometimes, even with insurance, things turn pear-shaped. You will remember the sad case of New Zealand woman Abby Hartley, who died in a Balinese hospital a couple of months ago.

Hartley and her husband did have medical insurance but the company said that she hadn't disclosed a pre-existing medical condition and therefore it would not be paying out for the tens of thousands of dollars in hospital bills.

Now, another couple is asking the New Zealand public for help because of a medical emergency.

Darryl Creevy and his wife Era were in New Caledonia for a short break when Darryl required emergency, life-saving surgery for a ruptured colon.

Advertisement
Advertise with NZME.
Advertisement
Advertise with NZME.

The Creevys don't have medical insurance. Era was reported as saying she and her husband were just looking for a cheap holiday but now it has become a very expensive one.

Now, I understand that insurance companies can be bastards. "Pre-existing condition" can be used to avoid paying out on just about anything.

A family friend was due to travel to Europe for six weeks recently but couldn't go at the eleventh hour because she was diagnosed with a rare and life-threatening illness.

She had taken out travel insurance, but the insurer is holding out on paying for the costs associated with her cancelled travel because she had been to see her doctor about a persistent cough.

Most of us have had bad coughs this winter — and most of us haven't developed rare illnesses. But her insurer is citing the cough as proof of a pre-existing condition — a condition that had yet to be recognised and diagnosed by her doctor.

Discover more

Opinion

Kerre McIvor: Their stories broke my heart

29 Sep 04:00 PM
Opinion

Kerre McIvor: Disorderly kids the exception not the rule

06 Oct 04:00 PM
Opinion

Kerre McIvor: Koru Club snobs need to get over themselves

13 Oct 07:40 PM
Opinion

Kerre McIvor: I'm all for a waterfront stadium

20 Oct 04:00 PM

But even though insurers can, at times, be hard-hearted, I would never, ever leave the country without travel insurance.

At least, if you have it, you've got a fighting chance of having your bills paid. Without it, you're completely on your own. And if you can afford to travel, surely you can afford the insurance premiums.

Advertisement
Advertise with NZME.

A couple in their 60s, going to New Caledonia for a week, would pay just over $200 for travel insurance. Surely that's worth it for peace of mind. And yet according to Southern Cross Travel Insurance, nearly 30 per cent of Kiwis are willing to play Russian Roulette and head off overseas without any cover at all.

How can you possibly lie on a beach and relax without knowing that you've done your best to cover yourself should things turn pear-shaped? Chances are they won't — but that's the nature of insurance. It's there for that freak occurrence that no one imagined would ever happen to them.

The only time my daughter has made me seriously cross in recent years was when she revealed that she and her husband and the baby had travelled to Serbia and the Netherlands without travel insurance.

I pointed out, in rather clipped tones, that should anything have happened to any member of their little family, it would have put our retirement plans, and their future inheritance, severely at risk.

I could almost hear Kate's eyes rolling as she promised that, in future, the family would be covered.

I know she thought I was being overly dramatic, but I like to plan for the worst-case scenario. And I like to take care of myself as much as I can, rather than be forced to rely on the kindness of good-hearted strangers.

Advertisement
Advertise with NZME.
Save

    Share this article

Latest from New Zealand

Politics
|Updated

'Don't be alarmed': Judith Collins hospitalised with vertigo

New Zealand
|Updated

Watch: On-duty police officer filmed on stripper pole later engaged in sexual activity with woman

New Zealand

'Cheaper off-peak power': New rules for big electricity retailers


Sponsored

Solar bat monitors uncover secrets of Auckland’s night sky

Advertisement
Advertise with NZME.

Latest from New Zealand

'Don't be alarmed': Judith Collins hospitalised with vertigo
Politics
|Updated

'Don't be alarmed': Judith Collins hospitalised with vertigo

The Defence Minister was not expected to be in Parliament tomorrow.

16 Jul 06:57 AM
Watch: On-duty police officer filmed on stripper pole later engaged in sexual activity with woman
New Zealand
|Updated

Watch: On-duty police officer filmed on stripper pole later engaged in sexual activity with woman

16 Jul 06:55 AM
'Cheaper off-peak power': New rules for big electricity retailers
New Zealand

'Cheaper off-peak power': New rules for big electricity retailers

16 Jul 06:48 AM


Solar bat monitors uncover secrets of Auckland’s night sky
Sponsored

Solar bat monitors uncover secrets of Auckland’s night sky

06 Jul 09:47 PM
NZ Herald
  • About NZ Herald
  • Meet the journalists
  • Newsletters
  • Classifieds
  • Help & support
  • Contact us
  • House rules
  • Privacy Policy
  • Terms of use
  • Competition terms & conditions
  • Our use of AI
Subscriber Services
  • NZ Herald e-editions
  • Daily puzzles & quizzes
  • Manage your digital subscription
  • Manage your print subscription
  • Subscribe to the NZ Herald newspaper
  • Subscribe to Herald Premium
  • Gift a subscription
  • Subscriber FAQs
  • Subscription terms & conditions
  • Promotions and subscriber benefits
NZME Network
  • The New Zealand Herald
  • The Northland Age
  • The Northern Advocate
  • Waikato Herald
  • Bay of Plenty Times
  • Rotorua Daily Post
  • Hawke's Bay Today
  • Whanganui Chronicle
  • Viva
  • NZ Listener
  • Newstalk ZB
  • BusinessDesk
  • OneRoof
  • Driven Car Guide
  • iHeart Radio
  • Restaurant Hub
NZME
  • About NZME
  • NZME careers
  • Advertise with NZME
  • Digital self-service advertising
  • Book your classified ad
  • Photo sales
  • NZME Events
  • © Copyright 2025 NZME Publishing Limited
TOP