Unexpected costs to plan for when travelling overseas
Posted February 2025 by Kelly Scott
Tags: holiday loan , travel loan , budget holiday
Don’t let surprise costs blow out your holiday budget.
When you’re planning a trip, it’s easy to focus on the big-ticket items such as flights, accommodation and travel insurance, and forget the little things. But those “little things” can quickly add up, and suddenly your holiday costs a lot more than you expected.
We’ve rounded up the most common surprise expenses Kiwi travellers face, plus some tips to help you prepare for them.
Airport transfers
Getting to and from the airport isn’t always as simple as it sounds. Whether it’s taxis, rideshares, shuttles, or parking fees, these costs can catch you off guard at both ends of your trip.
How to avoid the sting: Check if your hotel offers a free shuttle, pre‑book a transfer online, or compare parking prices before you leave.
Visas and entry fees
Many countries require visas, Electronic Travel Authorisations (ETAs), or tourist taxes. Some of these fees can be higher than you expect and might need to be paid in advance or on arrival.
How to avoid the sting: Research visa requirements early and factor the costs into your budget (some can be applied for online and are cheaper if done in advance).
Baggage fees
If you’re flying with low-cost airlines, your ticket might not include checked luggage. Paying for bags at the airport usually costs a lot more than booking them ahead of time.
How to avoid the sting: Check if your ticket includes checked bags before you hit “book,” or pack light and stick to carry‑on only.
Roaming charges and SIM cards
Using your Kiwi mobile phone overseas can get expensive fast.
How to avoid the sting: Turn off data roaming and buy a local SIM card or travel eSIM. You can purchase a digital eSIM plan online for your destination before you even leave home.
Tipping and extra taxes
Tipping is expected in some countries, and hotels may charge resort fees or local taxes on top of your bill. These small costs can add up quicker than you think.
How to avoid the sting: Do a quick Google search on tipping norms before you go and ask hotels about any extra fees upfront.
Medical costs and insurance extras
Travel insurance covers many things, but not everything. Some treatments, prescriptions, or extra cover options might cost more than you planned, so it’s good to know what’s included before you go.
How to avoid the sting: Read your insurance policy carefully, make sure pre‑existing conditions are declared, and set aside a small buffer for out‑of‑pocket costs.
A Unity travel loan can help you cover these unexpected costs, giving you some breathing room so you can enjoy your trip without worrying about surprise bills.
Personal loan floating interest rates range from 9.90% - 21.90% p.a. secured or 12.90% - 24.90% p.a. unsecured. Loan term 1 – 7 years. T&Cs apply. On drawdown a $200 application fee will apply. View rates & fees at unitymoney.co.nz.