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:

Medical care

Pre-existing medical conditions*

*on application only, underwriting and loadings apply.

High-valued items*

*on application only, underwriting and loadings apply.

Optional Property Cover*

*on application only, underwriting and loadings apply.

Loss of tuition fees

Travel disruption

Evacuation or return home

Prime plan

From: $95

Lite plan

From: $68

Where does cover apply?
Prime Plan Lite Plan
Up to 9 days for any one trip
Up to 9 days for any one trip
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
Expenses must be incurred within 12 months of disablement
Expenses must be incurred within 12 months of disablement
Up to $200,000. Limited to trips of 90 days
Up to $200,000. Limited to trips of 90 days

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

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
Up to $100,000
Up to $100,000
Up to $50,000 ($10,000 if under 16 years)
Up to $50,000 ($10,000 if under 16 years)
Up to $20,000
Up to $20,000
Up to $250
Up to $250
Up to $300
Up to $300
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
Up to $50,000
Up to $50,000
Reasonable costs up to $30,000
Reasonable costs up to $30,000
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
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

Up to $3,000
Up to $3,000
Up to $1,000
Up to $1,000
Disrupted Travel Cover Prime Lite
Prime Plan Lite Plan
Up to $10,000 for accommodation, meals and/or travel expenses
Up to $10,000 for accommodation, meals and/or travel expenses
Up to $10,000
Up to $10,000
Up to $3,000. The maximum daily limit is $400 per day
Up to $3,000. The maximum daily limit is $400 per day
Up to $200
Up to $200
Up to $100,000
Up to $100,000
Up to $10,000
Up to $10,000
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
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
Up to $2,500,000
Up to $2,500,000
Search and Rescue Prime Lite
Prime Plan Lite Plan
Up to $10,000
Up to $10,000
Kidnap and Ransom Prime Lite
Prime Plan Lite Plan
Up to $50,000
Not covered
Pre-Existing Conditions Prime Lite
Prime Plan Lite Plan
You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances for a small processing fee of NZ$45 alongside an additional premium
You are NOT automatically covered for pre-existing medical conditions. However, cover can be arranged in certain circumstances for a small processing fee of NZ$45 alongside an additional premium

*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 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.
Business Card Mockup 4

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.

Studying and travelling in New Zealand is incredibly rewarding. Sometimes, however, things don’t always go as planned. International Student Insurance from OrbitProtect helps protect you from the unexpected.

Medical Care
If you unexpectedly become ill or suffer an accident or injury, we will pay for your eligible doctor visits, hospital admissions and 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. During such a stressful time, we aim to provide support by covering the expenses involved, allowing you to focus on 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.

Loss of Deposits
If, due to unforeseen circumstances (as specified in the policy), you have to cancel your course, we will reimburse you for any non-refundable unused portion of accommodation, travel and educational fees.

Property
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 coverage for your general property, or you have the option to insure specific items under the Student Lite insurance plan.

If you need cover for an existing medical condition, you must apply for pre-existing medical conditions coverage, 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 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 the assessment.

You will be notified of the outcome of the assessment via email.

Please note that should we accept your International Student 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.

Insuring your property with OrbitProtect Student Prime
Our Student Prime insurance provides international students with an AUTOMATIC property cover of NZ$3,000 per item, pairs, or set of items and up to a total value of NZ$10,000. If you have an item over NZ$3,000, we can provide cover for this item, provided that you specify the item when you purchase our plan. You must contact us to insure any of your belongings over NZ$3,000.

Insuring your property with OrbitProtect Student Lite
Our Student Lite plan does not provide automatic property cover. However, you can specify your property item(s) to be insured (See additional premiums for specified items below). Contact us to insure your personal belongings under this plan.

Additional premiums for specified items
You will be required to pay an additional premium on items specified on your plan at a rate of 2.0% of the total value specified. For example: If you had specified a computer at NZ$5,000, the additional premium would be NZ$100 ($5,000 x 2%).

For Student Prime and Student Lite, you can specify items up to NZ$10,000 each and up to an overall maximum of NZ$30,000. The items you specify will be noted on your Certificate of Insurance.

Policy Wordings

It is important that you understand our terms and conditions before buying this travel insurance policy to make sure it is right for you. You will find the information about all of the key benefits and the terms and conditions by reading our policy wording below.

Brochures

Our International Student Insurance brochure outlines:

  • Schedule of benefits
  • Section limits and sub-limits
  • Premiums
  • How to contact us

Download the International Student Insurance brochure – English
Download the International Student Insurance brochure – 简体中文
Download the International Student Insurance brochure – 한국어

The excess is the first amount of a claim that your OrbitProtect policy will not pay for.

Excesses that apply to both International Student plans –

Section 1 Personal Effects Cover: $150 in total applies to any claim arising from an event

Section 5 Personal Liability Cover: $50 in total applies to any claim arising from an event

There is no excess payable for medical expenses under this policy.

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.

North Island Doctors and Pharmacies

Doctors

Counties Urgent Care 6-18 O’Shannessey Street
Papakura, Auckland 2110
09 299 9380
Takanini Urgent Care 106 Great South Road
Takanini, Auckland 2112
09 299 7670
The Doctors Middlemore 215 Massey Rd
Mangere Auckland
09 275 9977
The Doctors New Lynn 19 Delta Ave
Auckland
09 827 7810
The Doctors Onehunga A&M 73 Church St
Auckland
09 634 5184
The Fono Central 33 Wyndham St, Auckland 09 302 2496
Urgent Care Franklin 149 Manukau Road
Pukekohe, Auckland
09 238 6610
Coast to Coast Healthcare Warkworth 77 Morrison Drive
Warkworth, Auckland
09 425 8585
Pukekohe Family Health Care Ltd 10 West Street
Pukekohe, Auckland
09 237 0280
Kawau Bay Health Partnership 11 Alnwick Street, Warkworth, Auckland 09 4251199

Pharmacies

Auckland City Pharmacy 419 Queens Street, Auckland 09 368 4241
Northcross Pharmacy 855 East Coast Road, Northcross, Auckland 09 478 5234
Unichem Campus Pharmacy Level 1 Student Commons, 9 Symonds St, Auckland 09 377 1991
Unichem Gateway Pharmacy 26/108 Great South Road, Takanini, Auckland 2112 09 296 1655
Unichem New Lynn Pharmacy 19 Delta Ave, Auckland 09 827 0850
Unichem Onehunga Centre Pharmacy 73 Church St, Auckland 09 634 6744
Unichem Wyndham Street 33 Wyndham St, Auckland 09 302 2564
Unichem Mangere Medical Pharmacy 215 Massey Road, Mangere East, Auckland 092700648
Unichem Manukau Road 149A Manukau Road, Pukekohe, Auckland 09 238 6677
Unichem Snells Beach Pharmacy Unit 1, 347 Mahurangi East Road, Auckland 09 425 4555
ProHealth Pharmacy Unit C, 230 Great South Road, Papatoetoe,  Auckland 09 218 6835
Warkworth Pharmacy Unit 2 – 23 Percy Street, Warkworth, Auckland 094223786
Matakana Pharmacy Shop 16 2 Matakana Valley Road, Matakana, Auckland 09 4229785
Snells Beach Pharmacy 332 Mahurangi East Road, Snells Beach, Auckland 09 425 5821
Family Health Pharmacy 32B George Street, Tuakau, Auckland 09 2369930
Life Pharmacy Franklins 48 Queen Street, Warkworth, Auckland 09 4258014
The Pharmacy Collective 7B Alnwick Street, Warkworth, Auckland 09 973 3637

DOCTORS

Riverslea Medical Centre 26 College Road, Edgecumbe 07 304 9106
Katikati Medical Centre 4 Clive Road, Katikati 07 549 0411
The Bayfair Doctors 42 Girven Road, Mt Maunganui 07 572 6800
Ohope Beach Medical Centre 262 Pohutukawa Ave, Ohope 07 312 5340
Toi Ora Health Opotiki 32A King Street, Opotiki 07 315 7900
Church Street Surgery LTD 94 Church Street, Opotiki 07 315 6307
Whakatohea Health Centre 32a King Street, Opotiki 07 315 6126
The Doctors Papamoa 26 Gravatt Road, Papamoa 07 572 6002
Tara Road Medical Centre 1 Tara Road, RD 7, Papamoa Beach 07 542 2277
Tiaho Medical Centre 553 Te Ngae Road, Rotorua 07 282 2909
Te Puna Doctors 4 Te Puna Road, Te Puna 07 222 0770
PHARMACIES
My Pharmacy Papamoa Plaza 7 Gravatt Road, Papamoa 07 572 0355
Ohope Beach Pharmacy 262 Pohutukawa Ave, Ohope 07 312 4250
My Pharmacy Te Puke 96 Jellicoe Street, Te Puke 07 573 9868
Unichem Katikati Pharmacy 26 Main Road, Katikati 07 549 0611
Opotiki Pharmacy 110 Church Street, Opotiki 07 315 6251
Unichem Excelsa Pharmacy 5 Golden Sands Drive, Papamoa 07 281 1301
Unichem Papamoa Pharmacy 26 Gravatt Road, Papamoa 07 572 0395
Pharmacy Health 19 Second Avenue, Tauranga 07 578 6678
Johns Photo Pharmacy Ltd 292 Cameron Road, Tauranga 07 578 3566
Unichem Cherrywood Pharmacy 52-54 Cherrywood Drive, Tauranga 07 576 9404
Te Puna Pharmacy 2C/4 Te Puna Road, Te Puna, Tauranga 07 262 2170
Bay Health Pharmacy Tauranga Hospital, Main Entrance, 829 Cameron Road, Tauranga 07 571 6164
Life Pharmacy Te Puke 61 Jellicoe St & 14 Queen St, Te Puke 07 573 0390
Tara Road Pharmacy 1E Tara Road, RD7, Te Puke 07 542 0214
Unichem Total Health Pharmacy 252 The Strand, Whakatane 07 308 9009
Your Pharmacy Mt Maunganui Cnr Girven Rd & Grenada St, Mt Maunganui 07 574 8645

DOCTORS

Three Rivers Medical 75 Customhouse Street, Gisborne 06 867 7411
The Doctors Hastings 110 Russell Street South, Hastings 06 876 8445 ext 844
The Hastings Health Centre 101 Queen Street East, Hastings 06 873 8999
Medical and Injury Centre Limited 615 Heretaunga Street West, Saint Leonards, Hastings 06 878 8600
The Doctors Napier 30 Munroe Street, Napier 06 835 4696 ext 706
Taradale Medical Centre 20-24 Puketapu Rd, Taradale, Napier 06 844 6831
City Medical Napier 76 Wellesley Street, Napier 06 835 4999
Dr Mohan Gaddipati 1 Cook Street, Waipukurau 06 858 7767
PHARMACIES
Flaxmere Pharmacy (2000) Ltd Shop 12, Flaxmere Village, 12 Swansea Road, Flaxmere, Hastings 06 879 9880
Pharmacy Three Rivers 75 Customhouse Street, Gisborne 06 868 9510
Pharmacy 53 10 Ballance Street, Whataupoko, Gisborne 06 867 3038
Unichem Hastings Pharmacy 600 Heretaunga St West, Saint Leonards, Hastings 06 878 6153
Unichem Russell St Pharmacy 110 Russell Street South, Hastings 06 878 8123
Raureka Pharmacy 901 Gordon Road, Raureka, Hastings 06 878 8159
The Pharmacy@The Hastings Health Centre Ltd 303 St Aubyn Street West, Hastings 06 873 8585
Unichem Stortford Lodge – Formerly Radius Pharmacy Peter Dunkerley/ 1107 Heretaunga Street West, Saint Leonards, Hastings 06 878 9812
Bay Plaza Pharmacy 14/221 Russell Street, Hastings 06 222 6100
Unichem Munroe St Pharmacy (Unichem Napier Pharmacy) 32 Munroe Street, Napier 06 834 0884
Napier Pharmacy 76 Wellesley Road, Napier 06 835 0046
Taradale Medical Pharmacy 20-24 Puketapu Road, Taradale, Napier 06 845 2790
Gee’s Pharmacy 279 Gloucester Street, Taradale, Napier 06 844 2852
Waipawa Pharmacy 24 High Street, Waipawa 06 857 8024
Unichem Pharmacy Waipukurau 71-75 Ruataniwha Street, Waipukurau 06 858 8060

DOCTORS

Broadway Health Waipapa 5 Klinac Lane, Waipapa 09 401 7172
The Doctors Kerikeri 4 Homestead Road, Kerikeri 09 407 7777
PHARMACIES
Waipapa Unichem Pharmacy 5 Klinac Lane, Waipapa 09 407 8767
Kerikeri Unichem Pharmacy 64 Kerikeri Road, Kerikeri 09 407 7144

DOCTORS

Tairua Medical Centre 3/237 Main Road, Tairua 07 864 8737
Cambridge Medical Centre 48 Alpha Street, Cambridge 07 827 7184
Victoria Clinic 173 Anglesea Street, Hamilton 07 834 0333
Matamata Medical Centre 56 Rawhiti Ave, Matamata 07  881 9102
PHARMACIES
Unichem Cambridge Medical Pharmacy 48 Alpha Street, Cambridge 07 823 0700

DOCTORS

Featherston Medical 3 Clifford Square, Featherston 06 308 9220
Greytown Medical Centre 186 East Street, Greytown 06 3049 012
PHARMACIES
Greytown Pharmacy Ltd 86 Main Street, Greytown 06 3049005
Pharmacies
Unichem Willis St Pharmacy 58 Willis St, Wellington 044726221
Lambton Square Pharmacy 180 Lambton Quay, Wellington 044726366

South Island Doctors and Pharmacies

DOCTORS

George Street Medical 24 George St, Blenheim 03 577 8757
Marlborough Urgent Care Gate2, Hospital Road, Blenheim 03 520 9980
PHARMACIES
Life Pharmacy Blenheim 101A Market Street, Blenheim 03 578 5228
Community Care Pharmacy Inside the Warehouse, 14 Redwood Street, Blenheim 03 579 1751
Unichem Redwoodtown Pharmacy 70 Cleghorn Street, Blenheim 03 578 5748
Wairau Pharmacy 2008 Ltd 47 Scott Street, Blenheim 03 578 6022
Unichem Springlands Ltd 131 Middle Renwick Road, Springlands, Blenheim 03 578 2271
Poswillo Pharmacy Ltd 32 Scott Street,Blenheim 03 5789022

DOCTORS

Medical and Injury Centre Ltd (Nelson) 96 Waimea Rd, Nelson 03 546 8881
PHARMACIES
Life Pharmacy Prices 296 Hardy Street, Nelson 03 548 3897
Victory Square Pharmacy 172 St Vincent Street Toi Toi, Nelson 03 548 9990

DOCTORS

Alexandra Family Medical Centre 18 Limerick Street, Alexandra 03 901 6277
Health Central 93 Tarbert Street, Alexandra 03 440 0295
Cromwell Medical Centre 192 Waenga Drive, Cromwell 03 445 1119
Junction Health Limited 1A Traders Lane, Cromwell 03 445 4688
Roxburgh Medical Centre 65 Scotland St, Roxburgh 03 446 8200
PHARMACIES
Alexandra Pharmacy 60 Centennial Ave, Alexandra 03 448 8703
Unichem Alexandra Pharmacy & Bookshop 4-6 Centennial Ave, Alexandra 03 448 8871
Cromwell Pharmacy 22 The Mall, Cromwell 03 445 1145
Highland Pharmacy Central Roxburgh 107 Scotland St, Roxburgh 03 446 8009
1

Northland region

2

Auckland region

3

Waikato region

4

Bay of Plenty region

5

Gisborne region

6

Hawke’s Bay region

7

Whanganui – Manawatu region

8

Wellington region

9

Marlborough region

10

Nelson – Tasman region

11

Canterbury region

12

Otago region