Experience NZ Travel Insurance
For protection when holidaying or working in New Zealand.
For protection when holidaying or working in New Zealand.
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:
From: $83*
*individual plan
From: $53*
*individual plan
Cover while in New Zealand
Cover while traveling from your country of origin to New Zealand and return
Cover for travel to New Zealand, Australia and the South Pacific
Medical expenses
Sub-limits apply to some types of medical claimsUnlimitedUnlimited
Evacuation/return to country of origin if you become disabled
Other persons’ travel and accommodation costs if you are hospitalised
Your extra travel / accommodation expenses
Funeral and cremation, or returning remains to your country of origin
Accidental death
Emergency dental treatment
Cash allowance whilst in hospital (after 24 hours)
Accidental property loss
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
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
Theft of money
Additional travel and accommodation costs if travel plans are disrupted by strikes, weather, etc
Travel delay
Missed connection costs
Purchase of essential clothing and toiletries, if all your luggage is delayed for more than 6 hours
Additional costs incurred on early return home
Hijack allowance
Legal costs for false arrest and/or wrongful detention
Cancellation of travel arrangements
Legal liability for accidental death or injury or property damage
Private search and rescue
Covering the policy excess you may need to pay when hiring a vehicle
Covering loss of use charges you may need to pay to the hire company
*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 December 2023 and is subject to change. Your individual premium amount will be advised upon acceptance of cover.
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.