Working Holiday Insurance

Cover Summary

OrbitProtect Working Holiday plan provides cover for working holiday visa holders in New Zealand.

If you intend to travel from New Zealand to countries in the South-West Pacific, we provide extended insurance coverage for up to 31 days to places like Australia, Fiji and New Caledonia.

Medical Care

Most of your medical care will be covered from unexpected illness, or if you suffer an accident or injury. We will pay for your doctor, hospital and day care treatment costs. The NZ Accident Compensation Corporation (ACC) is by law, the primary provider and payor of cover for injuries that occur in New Zealand. It's important to also look through your policy document to understand the conditions that we don't cover.

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 can help you by taking care of the costly expenses involved, allowing you to totally focus 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.


When you make a claim with us, an excess is the amount you need to contribute.

On the Working Holiday plans, you will pay excess that applies on all claims except those made under Section 3.2 Travel Delay. You will pay a $50 excess on claims relating to an accidental injury, and a $100 excess for all other claims. This means that when we settle your claim, we deduct the excess from the amount we pay back to you.