Experience NZ Travel Insurance
For protection when holidaying or working in New Zealand.
Medical care
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OrbitProtect Experience NZ Insurance plans have been designed especially for workers, visitors, families and students coming to New Zealand. This plan has you covered for:
Prime plan
From: $89*
*individual plan
Lite plan
From: $57*
*individual plan
Where does cover apply?
Prime Plan
Lite Plan
Cover while in New Zealand
Cover while traveling from your country of origin to New Zealand and return
Up to 9 days for any one trip
Up to 9 days for any one trip
Cover for travel to New Zealand, Australia and the South Pacific
Up to 31 days in total during the period of insurance
Up to 31 days in total during the period of insurance
Cover benefits (NZ$) limits per person, per year:
Medical expenses
Prime LitePrime Plan
Lite Plan
Medical expenses
Sub-limits apply to some types of medical claimsUnlimitedUnlimited
Expenses must be incurred within 12 months of disablement
Expenses must be incurred within 12 months of disablement
Evacuation/return to country of origin if you become disabled
Reasonable evacuation transport and travel expenses plus up to $20,000 for continuing medical costs
Reasonable evacuation transport and travel expenses plus up to $20,000 for continuing medical costs
Other persons’ travel and accommodation costs if you are hospitalised
Up to $100,000. A daily accommodation limit of $250 to a maximum of $5,000 applies while in NZ
Up to $100,000. A daily accommodation limit of $250 to a maximum of $5,000 applies while in NZ
Your extra travel / accommodation expenses
Reasonable costs up to $30,000
Reasonable costs up to $30,000
Funeral and cremation, or returning remains to your country of origin
Up to $100,000
Up to $100,000
Accidental death
Up to $25,000 ($10,000 if under 16 years)
Up to $25,000 ($10,000 if under 16 years
Emergency dental treatment
Up to $500. For NZ dental injuries covered by ACC (Accident Compensation Corporation) cover is up to $1,500
Up to $500. For NZ dental injuries covered by ACC (Accident Compensation Corporation) cover is up to $1,500
Cash allowance whilst in hospital (after 24 hours)
Up to $100 per day to a maximum of $3,000 in NZ and $10,000 overseas
Not covered
Property
Prime LitePrime Plan
Lite Plan
Accidental property loss
Property is covered for its replacement cost (“new for old”) irrespective of age. Clothing and footwear that are more than 12 months old are settled on a depreciated basis(“new cost with a deduction for wear”)
Up to $10,000. Maximum cover for any one item, pairs or sets of items is $2,500 without specifying
Specified cover is up to $10,000 per item, pairs or set of items. Total limit for all specified items is $30,000. An additional premium will apply to specified items
Property is not automatically covered. You need to specify items that you want cover for and an additional premium will apply
Specified cover is up to $10,000 per item, pairs or set of items. Total limit for all specified items is $30,000
Loss or damage of personal documents
Up to $1,000
Up to $1,000
Theft of money
Up to $500
Up to $500
Disrupted Travel Cover
Prime LitePrime Plan
Lite Plan
Additional travel and accommodation costs if travel plans are disrupted by strikes, weather, etc
Up to $10,000 for accommodation, meals and/or travel expenses
Up to $10,000 for accommodation, meals and/or travel expenses
Travel delay
Up to $3,000. The maximum daily limit is $400 per day
Up to $3,000. The maximum daily limit is $400 per day
Missed connection costs
Up to $10,000
Up to $10,000
Purchase of essential clothing and toiletries, if all your luggage is delayed for more than 6 hours
Up to $200
Not covered
Additional costs incurred on early return home
Up to $10,000
Up to $10,000
Hijack allowance
Up to $10,000
Up to $10,000
Legal costs for false arrest and/or wrongful detention
Up to $10,000 (not in country of origin)
Up to $10,000 (not in country of origin)
Loss of Deposits
Prime LitePrime Plan
Lite Plan
Cancellation of travel arrangements
Up to $50,000 for non refundable portion of travel or accommodation deposits
Up to $50,000 for non refundable portion of travel or accommodation deposits
Personal Liability
Prime LitePrime Plan
Lite Plan
Legal liability for accidental death or injury or property damage
Up to $2,500,000
Up to $2,500,000
Search and Rescue
Prime LitePrime Plan
Lite Plan
Private search and rescue
Up to $10,000
Not covered
Rental vehicles
Prime LitePrime Plan
Lite Plan
Covering the policy excess you may need to pay when hiring a vehicle
Up to $2,000
Up to $2,000
Covering loss of use charges you may need to pay to the hire company
Up to $5,000
Up to $5,000
Prime Plan
Lite Plan
*Only the main features and benefits of our plans are outlined here. For a full explanation of all benefits and exclusions, view the policy document.
Are you eligible?
This plan is available to everyone travelling to New Zealand who does not hold New Zealand Residence status.
How long are you covered for?
Cancellation and loss of deposit cover starts from the day you pay your premium and we send your certificate of insurance.
All other benefits start from when you commence your journey to New Zealand. Generally, your cover will end either on your policy end date or when you leave New Zealand (whichever occurs first). Please see your policy document for more details.
At OrbitProtect we aim to provide competitive Experience NZ Travel Insurance premiums, while delivering increased service and protection. Our premium table below is valid as of 1 January 2025 and is subject to change. Your individual premium amount will be advised upon acceptance of cover.
- Period of cover
- 8 days
- 15 days
- 1 month
- 2 months
- 3 months
- 4 months
- 5 months
- 6 months
- 7 months
- 8 months
- 9 months
- 10 months
- 11 months
- 12 months
- Lite Individual
- $57
- $80
- $131
- $197
- $246
- $294
- $332
- $379
- $429
- $479
- $529
- $579
- $629
- $679
- Lite Family
- $139
- $179
- $279
- $399
- $489
- $588
- $667
- $726
- $823
- $899
- $1056
- $1179
- $1299
- $1399
- Prime Individual
- $89
- $124
- $195
- $286
- $357
- $430
- $489
- $532
- $593
- $646
- $704
- $764
- $822
- $882
- Prime Family
- $189
- $249
- $379
- $559
- $689
- $829
- $939
- $1039
- $1163
- $1289
- $1479
- $1559
- $1708
- $1799
- Period of cover
- 8 days
- 15 days
- 1 month
- 2 months
- 3 months
- 4 months
- 5 months
- 6 months
- 7 months
- 8 months
- 9 months
- 10 months
- 11 months
- 12 months
- Lite Individual
- $57
- $80
- $131
- $197
- $246
- $294
- $332
- $379
- $429
- $479
- $529
- $579
- $629
- $679
- Lite Family
- $139
- $179
- $279
- $399
- $489
- $588
- $667
- $726
- $823
- $899
- $1056
- $1179
- $1299
- $1399
- Period of cover
- 8 days
- 15 days
- 1 month
- 2 months
- 3 months
- 4 months
- 5 months
- 6 months
- 7 months
- 8 months
- 9 months
- 10 months
- 11 months
- 12 months
- Prime Individual
- $89
- $124
- $195
- $286
- $357
- $430
- $489
- $532
- $593
- $646
- $704
- $764
- $822
- $882
- Prime Family
- $189
- $249
- $379
- $559
- $689
- $829
- $939
- $1039
- $1163
- $1289
- $1479
- $1559
- $1708
- $1799
The prices quoted here are in NZ Dollars and for individuals are for people aged 18 to 60. Family rates are for up to two adults and your dependent children. Please contact us for the prices for older travellers coming to New Zealand.
Who is covered under the individual and family plans?
Individual: One adult and accompanying dependents under 19 years of age.
Family: Two adults (who are married or in a de facto relationship) and accompanying dependents under 19 years of age.
Options
Individual high value items
High value items can always be added to both plans by paying an additional premium on the item at a rate of 2%. Example: A NZ$5,000 item x .020 = NZ$100 premium. (The maximum amount of cover is NZ$10,000 per item.)
Manual work cover for general farming (excluding any activity relating to forestry), building and related trades.
Add 20% of the individual Lite premium to the cover option. Example: If you have taken the 12 months Individual Prime plan ($824) add 20% of the Individual Lite plan ($112) = NZ$936 in total.
(Please note all premiums above are inclusive of NZ Goods and Services tax, government levies and administration fees where applicable.)
Refer to the policy wording for all terms, conditions, exclusions and excesses that apply to these insurance plans.
Below are some important details about our OrbitProtect insurance cover for Experience NZ policyholders in New Zealand. If your question isn’t answered below, visit our Help Centre.