Reciprocal agreements would only take a traveler so far (please excuse the pun). New Zealand and Australia have a mutual health agreement, which means that New Zealand citizens travelling to Australia are entitled to limited subsidized health services for necessary medical care while visiting Australia. The mutual health agreement covers medically necessary treatments. Medically necessary treatment means any illness or injury that occurs during your country and needs to be treated before you return home. I fully understand where they come from. I had the same problem last year. The cheapest I could get in Europe for 3 weeks was £600+ and the insurer I had been with for years wanted £1550. Some specialized companies would not even quote me. For example, New Zealanders who are not entitled to Medicare or assistance under the Reciprocal Health Care Agreement must pay all non-clinical costs: “Under a mutual health agreement, British nationals living in the UK and on a short-term visit to New Zealand are entitled to immediately necessary health care under the health system under the same conditions as New Zealand citizens. You should present your British passport if you apply for it. That`s the thing. Even though mutual health agreements could cover things such as hospital care, things such as repatriation or medical evacuation are probably not covered – meaning they could be well over 1600 pounds out of pocket if necessary.
However, we recommend that you take out appropriate insurance for the duration of your trip. Mutual health agreements do not replace the need for private travel health insurance. Despite this mutual agreement and the accident compensation board, you should ensure that you have adequate travel health insurance and the means available to cover the costs of medical care abroad and repatriation. Mutual health agreements are not enough for medical care. I finally found a company that would allow me to rule out a skin cancer that caused the high price, but would cover yet another. In no way would it cause a problem because it had been completely removed, but the price was because it wasn`t the first primary I had. Our private health covers the uncovered condition and also repatriation, air rescue, etc.