International Student Insurance

Cover Summary

Studying and travelling in New Zealand is so rewarding. Sometimes, however, things do not always go as planned. International Student Insurance from OrbitProtect protects you from the unexpected.

Medical Care

If you unexpectedly become ill or suffer an accident or injury, you will not have to worry about paying for your medical care. We will pay for your doctor, hospital and daycare treatment costs.

Medical Evacuation

In serious circumstances, as a result of injury or illness, you may need to be returned to your country of origin. At such a stressful time, we will help you by taking care of the costly expenses involved, allowing you to totally focus on what is most important - your recovery.

Loss of Deposits

If due to unforeseen circumstances (as specified in the policy), you have to cancel your course (for example, due to illness or injury), we will reimburse you for any loss of tuition fees.


We understand that international students may be in New Zealand for a long period of time and may have a wide range of personal property with them. The Student Prime insurance plan provides you with a generous amount of cover for your general property, or you have the option to insure specific items under the Student Lite insurance plan.

Pre-existing Medical Conditions

You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances for a small additional assessment fee of NZ$45. Should we agree to provide cover for your pre-existing medical conditions, you will need to pay an additional premium over and above the base premium charged.