International Student Travel Insurance
Planning to study in New Zealand as an international student?
Medical care
0800 478 833
Quick links
If you’re an international student studying in New Zealand, our Government requires you to have medical and travel insurance while you’re here. This plan has you covered for:
Prime plan
From: $95
Lite plan
From: $68
Where does cover apply?
Prime Plan
Lite Plan
Cover while in New Zealand
Cover while traveling from your country of origin to New Zealand and return
Up to 9 days for any one trip
Up to 9 days for any one trip
Cover for travel to New Zealand, Australia and the South Pacific
Up to 31 days in total during the period of insurance
Up to 31 days in total during the period of insurance
Cover benefits (NZ$) limits per person, per year:
Medical expenses
Prime
Lite
Prime 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
Medical expenses in your country of origin, if returning for holidays
Up to $200,000. Limited to trips of 90 days
Up to $200,000. Limited to trips of 90 days
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
Funeral and cremation, or returning remains to your country of origin
Up to $100,000
Up to $100,000
Accidental death
Up to $50,000 ($10,000 if under 16 years)
Up to $50,000 ($10,000 if under 16 years)
Mental Illness
Up to $20,000
Up to $20,000
Optical including prescription lenses and frames
Up to $250
Up to $250
Alternative medical treatment in NZ. General Practitioner referred treatment by an Osteopath, Chiropractor or Acupuncturist
Up to $300
Up to $300
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
Home nursing care whilst disabled
Up to $50,000
Up to $50,000
Your extra travel/accommodation expenses
Reasonable costs up to $30,000
Reasonable costs up to $30,000
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
Up to $100 per day to a maximum of $3,000 in NZ and $10,000 overseas
Property
Prime
Lite
Prime Plan
Lite Plan
Accidental property loss
Up to $10,000. Maximum cover for any one item, pairs or sets of items is $3,000 without specifying
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”)
You can add cover for specified items 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 can add cover for specified items 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
Loss or damage of personal documents
Up to $3,000
Up to $3,000
Theft of money
Up to $1,000
Up to $1,000
Disrupted Travel Cover
Prime
Lite
Prime 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
Missed connection costs
Up to $10,000
Up to $10,000
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
Purchase of essential clothing and toiletries, if all your luggage is delayed for more than 6 hours
Up to $200
Up to $200
Additional costs incurred on early return home
Up to $100,000
Up to $100,000
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
Lite
Prime Plan
Lite Plan
Cancellation of travel and educational arrangements
Up to $100,000 for non refundable portion of travel, accommodation or education fees
Up to $100,000 for non refundable portion of travel, accommodation or education fees
Personal Liability
Prime
Lite
Prime 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
Lite
Prime Plan
Lite Plan
Private search and rescue
Up to $10,000
Up to $10,000
Kidnap and Ransom
Prime
Lite
Prime Plan
Lite Plan
Reimbursement for ransom monies paid
Up to $50,000
Not covered
*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 only available to international students who are:
- studying or intending to study in New Zealand and
- who meet the Immigration Act requirements for entry into New Zealand
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 Student Insurance premiums, while delivering excellent service and protection.
Our premium table (below) is valid as of 1 December 2023 and is subject to change. Your individual premium amount will be advised upon acceptance of cover.
- Period of cover
- 1 month
- 2 months
- 3 months
- 4 months
- 5 months
- 6 months
- 7 months
- 8 months
- 9 months
- 10 months
- 11 months
- 12 months
- 13 months
- 14 months
- Lite plan
- $68
- $129
- $150
- $189
- $242
- $289
- $346
- $388
- $439
- $489
- $530
- $560
- $590
- $620
- Prime plan
- $95
- $179
- $210
- $242
- $304
- $364
- $425
- $482
- $532
- $579
- $625
- $665
- $729
- $779
The premium table below will take effect on January 1, 2025, and is subject to change. Your specific premium amount will be confirmed upon acceptance of coverage.
- Period of cover
- 1 month
- 2 months
- 3 months
- 4 months
- 5 months
- 6 months
- 7 months
- 8 months
- 9 months
- 10 months
- 11 months
- 12 months
- 13 months
- 14 months
- Lite plan
- $70
- $129
- $158
- $209
- $262
- $312
- $346
- $415
- $439
- $524
- $530
- $619
- $629
- $679
- Prime plan
- $95
- $189
- $210
- $269
- $349
- $389
- $460
- $516
- $570
- $620
- $669
- $728
- $780
- $840
The prices quoted here are in NZ Dollars and are for people aged 5 to 60. Please contact us for the prices for older students coming to study in New Zealand.
Refer to the policy wording for all terms, conditions, exclusions and excesses that apply to these insurance plans.
(Please note all premiums above are inclusive of NZ Goods and Services tax, government levies and administration fees where applicable.)
International Student policyholders can pay with our OrbitPay Card at authorised medical centres and pharmacies instead of paying yourself then claiming a refund from us.
When you purchase an OrbitProtect International Student policy, you can request an OrbitPay Card. We will post the card to your home address, or you can collect it from your school or agent (if they work with us).
Important information about your OrbitPay Card:
- When you activate your card, the locations of the service providers will be emailed to you. You can also click on the OrbitPay Medical Providers tab to see a map of providers around New Zealand.
- You must keep the OrbitPay Card for the duration of your policy.
- If you lose your card or your card is damaged, we reserve the right to charge you a fee of $10 to reissue a new card.
- Please note the conditions, limitations, and exclusions in your policy wording document. There may be times when we need to ask you to repay the costs you incurred that have been directly billed to us, which are not covered by your insurance.
- At our discretion, we can deactivate your card at any time. We would advise you of this as soon as possible.
Below are some important details about our OrbitProtect insurance cover for International Students in New Zealand. If your question isn’t answered below, please visit our Help Centre.
These listed Medical Providers around New Zealand accept our OrbitPay card as payment for medical consultations or prescriptions. If you are unable to get an appointment with an approved Medical Provider, you can go to any medical clinic or GP and then claim back your payment through our online Make a Claim page.