Working Holiday Insurance

Planning to visit New Zealand on a working holiday visa?

Are you thinking of taking a working holiday in New Zealand? OrbitProtect Working Holiday Insurance is especially designed for Working Holiday visa holders in New Zealand.
This plan has you covered for:

Medical care

Optional property cover*

*on application only, underwriting and loadings apply.

Medical evacuation

Pre-existing medical conditions*

*on application only, underwriting and loadings apply.

Travel disruption

Loss of deposits

Premium plan

From: $49

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Where does my cover apply?

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

Cover for travel to New Zealand, Australia and the South Pacific

Up to 31 days in total during the period of insurance

Cover benefits (NZ$) limits per person, per year:

Medical expenses

Up to $250,000

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

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

Funeral and cremation, or returning remains to your country of origin

Up to $100,000

Accidental death

Up to $25,000 ($10,000 if under 16 years)

Disrupted Travel Cover

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

Travel delay

Up to $3,000. The maximum daily limit is $400 per day.

Loss of Deposits

Cancellation of travel arrangements

Up to $50,000 for non refundable portion of travel or accommodation fees

Personal Liability

Legal liability for accidental death or injury or property damage

Up to $100,000

Property Cover

Optional accidental property loss cover. An additional premium applies for this coverOptional

Option 1 – general luggage:
cover up to $5,000 of luggage and personal items for their replacement cost. Maximum cover on any item, pairs, or sets of items is $1,000

Option 2 – specified items:
Cover up to $10,000 per specified item, pairs or set of items. Total limit for all specified items is $30,000

Pre-Existing Conditions

Optional pre-existing conditions cover. An additional premium applies for this coverOptional

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

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Download Brochures

Working Holiday – English

Download Policy Wording

Working Holiday

*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 premium amount will be confirmed when your cover is accepted.

Period of cover
8 days
15 days
1 month
2 months
3 months
4 months
5 months
6 months
7 months
8 months
9 months
10 months
11 months
12 months

Premium
$49
$59
$79
$129
$169
$209
$249
$289
$329
$369
$409
$449
$479
$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.

(Please note all premiums above are inclusive of NZ Goods and Services tax, government levies and administration fees where applicable.)

Things to note

The plan excludes property, but you can…
include baggage and personal effects 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: A NZ$5,000 item x .020 = NZ$100 premium. (The maximum amount of 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.

What would I be covered for?

The OrbitProtect Working Holiday Insurance 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 cover for up to 31 days 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.

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 aim to provide support where possible by taking care of the costly expenses involved, allowing you to focus totally 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.

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 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 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.

Is my property covered?

Our Working Holiday Insurance plan does not provide automatic property cover. However, there are two options where you can 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.

Where can I find your current brochure and policy wording?

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

Click to download our current Working Holiday Insurance brochure

What is a policy excess?

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

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 (in section 3.2) where no excess applies.

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