Experience
New Zealand
Insurance
Experience
New Zealand
Insurance
Work, study, or holiday in New Zealand? Cover just yourself or include your family
OrbitProtect’s Experience NZ Insurance plans are designed for people coming to New Zealand – whether you’re on your own, with a partner, or as a family. It offers flexible cover for working, studying, or visiting. This plan has you covered for:
- Medical care
- Travel disruption
- Optional cover for personal belongings*
- Medical evacuation
- Pre-existing medical conditions*
- Loss of deposits
*on application only, underwriting and loadings apply.
*Only the main features and benefits of our plans are outlined here. For a full explanation of all benefits and exclusions, view the policy documents.
Are you eligible?
This plan is available to everyone travelling to New Zealand who does not hold New Zealand residence status. It’s also the only OrbitProtect plan where you can add your partner and/or family members.
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
Lite Individual
Lite Family
Prime Individual
Prime Family
8 days
$57
$139
$89
$189
15 days
$80
$179
$124
$249
1 month
$131
$279
$195
$379
2 months
$197
$399
$286
$559
3 months
$246
$489
$357
$689
4 months
$294
$588
$430
$829
5 months
$332
$667
$489
$939
6 months
$379
$726
$532
$1039
7 months
$429
$823
$593
$1163
8 months
$479
$899
$646
$1289
9 months
$529
$1056
$704
$1479
10 months
$579
$1179
$764
$1559
11 months
$629
$1299
$822
$1708
12 months
$679
$1399
$882
$1799
Period of cover
Lite
Individual
Lite
Family
8 days
$57
$139
15 days
$80
$179
1 month
$131
$279
2 months
$197
$399
3 months
$246
$489
4 months
$294
$588
5 months
$332
$667
6 months
$379
$726
7 months
$429
$823
8 months
$479
$899
9 months
$529
$1056
10 months
$579
$1179
11 months
$629
$1299
12 months
$679
$1399
Period of cover
Prime
Individual
Prime
Family
8 days
$89
$189
15 days
$124
$249
1 month
$195
$379
2 months
$286
$559
3 months
$357
$689
4 months
$430
$829
5 months
$489
$939
6 months
$532
$1039
7 months
$593
$1163
8 months
$646
$1289
9 months
$704
$1479
10 months
$764
$1559
11 months
$822
$1708
12 months
$882
$1799
The prices quoted here are in NZ Dollars and for individuals aged 18 to 60 and your dependent children. Family rates are for up to two adults and your dependent children. Please contact us for the prices for travelers that are outside of this age range that are 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
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 your premium before adding this option is $1,000, add 20% and the total premium will be $1,200.
Please note all premiums above are inclusive of NZ Goods and Services tax, and government levies, 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, please visit our Help Centre.
Am I eligible?
This plan is available to everyone travelling to New Zealand who does not hold New Zealand residence status. It’s also the only OrbitProtect plan where you can add your partner and/or family members.
What would I/we be covered for?
OrbitProtect Experience NZ insurance plans cover visitors, workers and everyone travelling to New Zealand who does not hold New Zealand Residence status.
Manual Work
Our Experience NZ plans allow you to choose manual work as part of your base plan for general farming (excluding any activity relating to forestry), building, and related trades (an additional premium applies when adding manual work cover to base plans).
Medical Care
If you unexpectedly become ill or suffer an accident or injury, your policy has a provision that allows you to submit a claim for this. We will pay for your eligible doctor, hospital admissions, and treatment costs, which exceed the excesses that apply.
Medical Evacuation
In serious circumstances, as a result of injury or illness, you may need to return to your country of origin. At such a stressful time, we aim to provide support by covering the actual and reasonable expenses incurred, allowing you to focus totally on what is most important – your recovery.
Pre-existing Medical Conditions
You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances. Additional assessment fees and premiums would apply.
Personal Property and Belongings
We understand that you may be in New Zealand for a long period of time and may have a wide range of personal property with you.
The Experience NZ Prime insurance plan provides you cover for your general property and optional specified item cover.
The Experience NZ Lite insurance plan does not offer automatic property cover, however you have the option to insure specific items for an additional premium.
How long am I/we 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.
What if I/we have a pre-existing medical condition?
If you, your partner, or dependent need cover for an existing medical condition, you must apply for pre-existing medical conditions cover, as you are NOT automatically covered. Subject to disclosure and approval by us, certain conditions may be covered. If approved, additional premiums may apply as may special terms and conditions.
If you or someone else require pre-existing medical conditions coverage, please contact us. You can email us at [email protected] or telephone 0800 478 833 (within NZ) or +64 3 434 8151 (outside of NZ). Our medical team will be in touch to assess if we can cover your existing medical condition. You will be charged an additional fee of NZ$45 for each assessment made.
You will be notified of the outcome of the assessment via email.
Please note that should we accept your Experience NZ Insurance application to include the pre-existing medical conditions as part of your policy, we 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). Further terms and conditions may also apply.
Are my belongings or personal items covered?
Our Experience NZ plans allow you to choose whether or not to insure your valuables that are not covered under the medical travel plan you have selected.
Insuring property under Experience NZ Prime
Our Experience NZ Prime plan gives you a generous amount of AUTOMATIC property cover to the value of NZ$2,500 per item and a maximum total value of NZ$10,000. You only have to specify any item, pairs, or sets of items (such as camera equipment) valued at over NZ$2,500. The maximum total value of items you can specify is NZ$30,000. An additional premium at a rate of 2% of the total value specified will be charged.
Insuring property under Experience NZ Lite
Our Experience NZ Lite plan does not provide automatic property coverage. However, if you wish to insure your personal belongings under this plan, you can specify the items you want to insure.
Additional premiums for specified items
You can specify the items you want to insure up to a maximum of NZ$10,000 per item and an overall maximum value of NZ$30,000. The items specified will be noted on your Certificate of Insurance. An additional premium at a rate of 2% of the total value specified will be charged.
Example: If you had specified a computer at NZ$5,000, the additional premium charged is NZ$100 ($5,000 x 2% = $100).
What is a policy excess?
The excess is the part of the claim you pay yourself. It’s not covered by your OrbitProtect policy, and we will deduct it from your claim.
$75 excess in total applies to any claim arising from a separate event, with exception of Section 3.6 Travel Delay and 3.7 Emergency Clothing and Toiletries (Experience NZ Prime only) where no excess applies.
Please note, if during the time you or any member of your insured family are undertaking study in New Zealand, the excess on medical claims is removed (no excess is applicable on students’ medical claims). The $75 excess continues to apply to the rest of the family.
Where can I read your brochure and policy wordings?
Policy Wordings
It is essential that you understand our terms and conditions before buying this travel insurance policy to make sure it is right for you. By reading our policy wording below, you will find information about the key benefits and our terms and conditions.
OrbitProtect Experience NZ Prime Policy Wording
OrbitProtect Experience NZ Lite Policy Wording
Brochures
Our brochure outlines:
- Schedule of benefits
- Section limits and sub-limits
- Premiums
- How to contact us
Experience NZ Insurance Brochure – English
Experience NZ Insurance Brochure – 简体中文
Experience NZ Insurance Brochure – 한국어
