But, if you ask my opinion, I'll definitely say YES. Don't save on that few hundred Ringgit and you gonna to pay more than that if anything bad happen!
Why you need it? It is just like the normal personal insurance that you bought in Malaysia. So, ask yourself, why you bought insurance? Because you doesn't want to bear with debt when you meet an accident or when you fall sick.
This theory is just same with why I recommend people to buy a travel insurance. You'll never predict what is going to happen during your working holiday, especially in a country which is not familiar with. I am a very good live example, I also never predict that I'll meet an accident in New Zealand! Don't tell me 'Oh, you are bad luck, I won't be undergone the same incident like you!' Don't bull sxxx. Nobody going to predict what is going to happen in the future. If yes, then there is no such thing called 'accident'.
Yes, ACC do cover our medical expenses if we meet an accident in New Zealand. But they never cover for those who fall sick in New Zealand. The medical fees in NZ is terribly expensive! Before you able to see the doctor, registration fees charge you about NZD70, any further treatment is not covered yet and you need to pay for medicine somemore. How about if you lost your beloved DSLR camera/ laptop?
I met a lot of people facing different problems during their working holiday, some fall sick seriously because they are not used to the weather, some lost their passport, some dropped their camera/laptop and spoilt it. So, what you gonna do with it when you face this? Nah, that is just my bad luck. No!!! Buy a travel insurance and they gonna pay for you/ replace the them!
Besides that, if you are landed in New Zealand and you wish to buy a travel insurance there, you may visit Orbit Protector. (Thanks for a reader provide this information). This travel insurance is specifically design for those who go for working holiday.
So, wanna spend on it or not? It's up to you.
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