Medical and travel insurance

The OrbitProtect insurance plans are designed to protect you when the unexpected happens while you are away from home.

The OrbitProtect team has been insuring travellers to New Zealand for more than 30 years. That makes OrbitProtect one of New Zealand's most experienced providers of visitor medical and travel insurance. They understand the risks faced by travellers (and their families at home) and operate a dedicated claims office to assist visitors 24 hours a day, 7 days a week, if anything does go wrong.

Why you need insurance when you travel to New Zealand?

Having a comprehensive medical insurance is mandatory with a working holiday visa in New Zealand. Don't take a risk: your credit card insurance is often judged not enough.

Who is eligible?

Travellers who are visiting, working or temporarily residing in New Zealand are eligible.

The different plans

OrbitProtect offer affordable travel and medical insurance for visitors to New Zealand. All of the plans are designed to cover travel from your home country to New Zealand, your time in New Zealand, and travel back home. All of the insurance plans with OrbitProtect include cover for transits of up to 9 days en route (including stopovers) and 31 days of travel in Australia and South West Pacific.

Please note: pre-existing medical conditions are not automatically covered.

Monthly protection is available. Use our widget on the side to get an instant quote.

Compare the features of the 3 insurance plans

Here are the details of the cover offered in these comprehensive insurance plans:

Cover benefits	Working Holiday Plan	Experience NZ Lite Plan	Exprience NZ Prime Plan
Start at...	NZ$285 for 1 year	NZ$495 for 1 year	NZ$664 for 1 year
If you travel from...	...then you are covered for a maximum of:
Your country of origin to New Zealand	9 days for any one trip (including stopovers)	9 days for any one trip (including stopovers)	9 days for any one trip (including stopovers)
Through New Zealand to Australia and the South West Pacific	31 days in total during the period of insurance	31 days in total during the period of insurance	31 days in total during the period of insurance
Medical
Medical expenses	NZ$250,000	Unlimited	Unlimited
Evacuation/return to country of origin if you become disabled	Responsible costs	Unlimited	Unlimited
Other persons' travel and accommodation costs to travel to be with you	Up to NZ$100,000 A daily accommodation limit of NZ$250 to a maximum of NZ$5,000 applies	Up to NZ$100,000 A daily accommodation limit of NZ$250 to a maximum of NZ$5,000 applies	Up to NZ$100,000 A daily accommodation limit of NZ$250 to a maximum of NZ$5,000 applies
Funeral and cremation, or returning remains to your country of origin	Up to NZ$100,000	Up to NZ$100,000	Up to NZ$100,000
Home nursing care whilst disabled	Not covered	Up to NZ$50,000	Up to NZ$50,000
Emergency dental treatment	Not covered	Up to NZ$250	Up to NZ$750
Cash allowance whilst in hospital (after 24 hours)	Not covered	Not covered	Up to NZ$100 per day to a maximum of NZ$3,000 in NZ and NZ$10,000 overseas
Accidental death	Up to NZ$25,000 (NZ$10,000 if under 16 years)	Up to NZ$25,000 (NZ$10,000 if under 16 years)	Up to NZ$25,000 (NZ$10,000 if under 16 years)
Property
Luggage and personal effects are covered for their replacement cost ("new for old") irrespective of age	Not automatically covered. Options available, contact us	Not automatically covered. Options available, contact us	Up to NZ$10,000 plus specified items
Clothing and footwear that are more than 12 months old are settled on a depreciated basis ("new cost with a deduction for wear")	Property cover can be arranged by specifying items at a cost of 2% of the total value	Property cover can be arranged by specifying items at a cost of 2% of the total value	Maximum cover on any item, pairs or sets of items is NZ$2,500 without specifying
The maximum value per item you can specify is NZ$10,000. The limit of the total value of all items specified is NZ$30,000	or choose the property cover option up to NZ$5,000 maximum cover on any items, pair or sets of items is NZ$1,000. Additional premium applies
Loss or damage of personal documents	Not covered	Up to NZ$1,000	Up to NZ$1,000
Theft of money	Not covered	Up to NZ$500	Up to NZ$500
Disrupted travel cover
Additional travel and accommodation costs if travel plans disrupted by strikes, weather, etc.	Up to NZ$10,000	Up to NZ$10,000	Up to NZ$10,000
Purchase of essential clothing and toiletries, if all your luggage is delayed for more than 6 hours	Not covered	Not covered	Up to NZ$200
Additional costs incurred on early return home	Not covered	Up to NZ$10,000	Up to NZ$10,000
Missed connection costs	Not covered	Up to NZ$10,000	Up to NZ$10,000
Legal costs for false arrest and/or wrongful detention	Not covered	Up to NZ$10,000 (not in country of origin)	Up to NZ$10,000 (not in country of origin)
Loss of deposits
Cancellation of travel arrangements	Up to NZ$50,000	Up to NZ$50,000	Up to NZ$50,000
Personal liability
Legal liability for accidental death or injury or property damage	Up to NZ$100,000	Up to NZ$2,500,000	Up to NZ$2,500,000
Search and rescue
Private search and rescue	Not covered	Up to NZ$10,000	Up to NZ$10,000
Rental Vehicle Excess & Loss of Use
Covering the policy excess you may need to pay when hiring a vehicle	Not covered	Up to NZ$2,000	Up to NZ$2,000
Covering loss of use charges you may need to pay to the hire company	Not covered	Up to NZ$2,000	Up to NZ$2,000
Excess
The excess that applies to each claim	NZ$50 on all accidental injury claims and NZ$100 on all other claims	NZ$75 all claims other than Emergency clothing and toiletries (Section 3.7 of the Prime policy wording)	NZ$75 all claims other than Emergency clothing and toiletries (Section 3.7 of the Prime policy wording)
Get it now!	Get a quote now!

Policy wordings available on request, please contact us and we'll email you a copy. Refer to the policy wording for all terms, conditions, exclusions and excesses that apply to these insurance plans. These medical/travel insurance plans are underwritten by Lumley General Insurance (NZ) Ltd.

Pre-existing medical condition

If you require one of our insurance plans and have an existing medical condition, you will need to apply for pre-existing medical conditions cover as you are NOT automatically covered for pre-existing medical conditions. Your pre-existing medical conditions cover can be arranged in certain circumstances.

If you require pre-existing medical conditions cover please contact us.

OrbitProtect's medical team will be in touch to assess if they can provide cover for your existing medical condition. You will be charged an additional fee of NZ$40 for the assessment. You will be notified of the outcome of the assessment via email.

Please note that should OrbitProtect accept your insurance plan application to include the pre-existing medical conditions as part of your policy, OrbitProtect will provide cover for acute episodes of your condition only, not for any ongoing maintenance treatment of your condition (maintenance treatment means regular treatment/medication to keep your condition under control).