OrbitProtect Working Holiday Insurance is especially designed for Working Holiday visa holders in New Zealand. This plan has you covered for:
- Medical care
- Travel disruption
- Optional cover for personal belongings*
- Medical evacuation
- Pre-existing medical conditions*
- Loss of deposits
*on application only, underwriting and loadings apply.
*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 only available to visitors who hold a New Zealand Working Holiday Visa.
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 Working Holiday Insurance premiums, while delivering excellent service and protection.
Our premium table below is valid as of 1 January 2025 and is subject to change. Your individual premium amount will be advised upon acceptance of cover.
Period of cover
Premium
8 days
$49
15 days
$59
1 month
$79
2 months
$129
3 months
$169
4 months
$209
5 months
$249
6 months
$289
7 months
$329
8 months
$369
9 months
$409
10 months
$449
11 months
$479
12 months
$499
The prices quoted here are in NZ Dollars and are for people aged 18 to 35.
Refer to the policy wording document for all terms, conditions, exclusions and excesses that apply to these insurance plans.
All premiums above are inclusive of NZ Goods and Services tax, government levies and administration fees where applicable.
Options
The plan excludes personal property and belongings, but you can…
Include baggage and belongings cover up to a value of NZ$1,000 per item (to a maximum total amount of NZ$5,000) by adding 15% to the premium.
High value items can be added to the plan…
By paying an additional premium on the item at a rate of 2%. Example: NZ$5,000 item x .020 = NZ$100 premium. The maximum amount is NZ$10,000 per item.
Below are some important details about our OrbitProtect insurance cover for Working Holiday visa holders in New Zealand.
If your question isn’t answered below, please visit our Help Centre.
Am I eligible?
What would I be covered for?
If you intend to travel from New Zealand to Australia and/or countries in the South Pacific, we provide cover for up to 31 days.
This includes travel to Australia, American Samoa, Cook Islands, Fiji, French Polynesia, Kiribati, Lord Howe Island, New Caledonia, Niue, Norfolk Island, Samoa, Tonga, Tuvalu and Vanuatu.
Medical Care
If you unexpectedly become ill or suffer an accident or injury, your policy has a provision to claim for this. We will pay for your doctor, hospital, and day care treatment costs, when they exceed the excesses that apply.
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.
Medical Evacuation
In serious circumstances, as a result of injury or illness, you may need to return to your country of origin. At such a stressful time, we aim to provide support by covering the actual and reasonable expenses incurred, allowing you to focus totally on what is most important – your recovery.
How long am I 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.
What if I have a pre-existing medical condition?
If you need cover for an existing medical condition, you will need to apply for pre-existing medical conditions cover, as you are NOT automatically covered. Subject to disclosure and approval by us, certain conditions may be covered. If approved, additional premiums and special terms and conditions may apply.
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 Working Holiday 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.
Are my belongings or personal items covered?
Our Working Holiday Insurance plan does not automatically include cover for personal items or property cover. However, you have two options available to insure your belongings.
Option 1 – General Baggage Cover
This option is a general cover for baggage and personal effects if you do not wish to specify individual high-value items. The general cover on baggage and personal effects option provides a cover limit of NZ$1,000 per item, pairs, or sets of items to a total of NZ$5,000. The additional premium under this option is 15% of the premium covering your Working Holiday Insurance period.
Option 2 – Specifying Your High-Value Items
This option allows you to specify the items you want to insure up to a maximum of NZ$10,000 per item and a total maximum value of $30,000. We will charge an additional premium of 2% of the total value of the items specified. For instance, if you specify a mobile phone valued at NZ$1000, the additional premium charged is NZ$20 (NZ$1,000 x 2%).
If you want insurance cover on specified property items, email [email protected] or phone 0800 478 833. The items you specify will be noted on your Certificate of Insurance.
What is a policy excess?
The excess is the part of the claim you pay yourself. It’s not covered by your OrbitProtect policy, and we will deduct it from your claim.
Excesses that apply to our Working Holiday Insurance plan:
Accidental injury: $50 in total applies to any claim arising from a separate event.
All other claims: $100 applies to all claims from a separate event, with exception of the Travel Delay benefit (section 3.2 of policy wording) where no excess applies.
Where can I read your brochure and policy wordings?
Policy Wording
It is essential that you understand our terms and conditions before buying this travel insurance policy to make sure it is right for you. By reading our policy wording below, you will find information about the key benefits and our terms and conditions.
OrbitProtect Working Holiday Policy Wording
Brochures
Our Working Holiday Insurance brochure outlines:
- Schedule of benefits
- Section limits and sub-limits
- Premiums
- How to contact us
