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Arrival Essentials

Medical and Travel Insurance

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.

New Zealand Working Holiday Insurance

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.

Working Holiday Plan

Medical care + medical evacuation + loss of deposits
“An affordable option for a comprehensive medical insurance for your trip in New Zealand.”
Excess: NZ$50 on all accidental injury claims and NZ$100 on all other claims.

Start at NZ$285 for 12 months

Experience NZ Lite Plan

Medical care + evacuation + loss of deposits
“A great comprehensive medical insurance with unlimited medical expenses.”
Excess: NZ$75 all claims other than emergency clothing and toiletries.

Start at NZ$495 for 12 months

Experience NZ Prime Plan

Medical care + evacuation + loss of deposits + baggage
“A great comprehensive medical insurance with unlimited medical expenses and great luggage coverage.”
Excess: NZ$75 all claims other than emergency clothing and toiletries.

Start at NZ$664 for 12 months

Monthly protection is available. Use this link 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/year

NZ$495/year

NZ$664/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

1. Medical expenses

NZ$250,000

Unlimited

Unlimited

2. Evacuation/return to country of origin if you become disabled

Responsible costs

Unlimited

Unlimited

3. 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

4. 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

5. Home nursing care whilst disabled

Not Covered

Up to NZ$50,000

Up to NZ$50,000

6. Emergency dental treatment

Not Covered

Up to NZ$250

Up to NZ$750

7. 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

8. Accidental Death

Up to NZ$25,000 (NZ$10,000if 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

1. 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$10,000plus 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

2. Loss or damage of personal documents

Not covered

Up to NZ$1,000

Up to NZ$1,000

3. Theft of money

Not covered

Up to NZ$500

Up to NZ$500

Disrupted travel cover

1. 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

2. 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

3. Additional costs incurred on early return home

Not covered

Up to NZ$10,000

Up to NZ$10,000

4. Missed connection costs

Not covered

Up to NZ$10,000

Up to NZ$10,000

5. 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

1. 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

2. 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)

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).