Working Holiday policy remains to be exclusively for WHS visa holders
Article Updated: 2nd June 2022
Ever wondered if your insurance coverage will continue to be valid if your visa has changed?
If you are, or were, on a Working Holiday Scheme (WHS) visa and changing, or have changed, to an Interim Work visa or Essential Skills Work visa, you are no longer eligible for our Working Holiday Insurance policy. The Working Holiday Insurance policy remains to be exclusively for WHS visa holders. This means you will need to purchase or upgrade to, our Experience NZ Insurance policy. If you got renewed for a further Working Holiday Scheme visa, you are welcome to switch to our Experience NZ policy nevertheless.
If you look through our brochures and policy wordings, you are sure to find that both the Working Holiday and Experience NZ policies have a lot in common in terms of coverage. But, allow us to provide you with an overview of the main differences that are worth considering if you want a more comprehensive plan:
|
Cover Benefits: all dollar amounts are in NZ$ |
WORKING HOLIDAY |
EXPERIENCE NZ |
|
Medical Expenses |
cover limit is $250,000 |
cover is $ value unlimited |
|
Home nursing care whilst disabled |
none |
up to $50,000 |
|
Emergency dental treatment |
none |
up to $250 for Lite, $750 for Prime |
|
Cash allowance whilst in hospital |
none |
available after 24 hours of stay for Prime, none for Lite |
|
Property (luggage and personal effects)+ |
up to $5,000 for an additional premium |
up to $10,000 for Prime |
|
Emergency clothing and toiletries for delayed luggage |
none |
up to $200, none for Lite |
|
Unexpected early return home |
none |
up to $10,000 |
|
Missed transport connection |
none |
up to $10,000 |
|
Legal costs for false arrest/detention |
none |
up to $10,000 |
|
Personal liability cover |
up to $100,000 |
up to $2,500,000 |
|
Private search and rescue |
none |
up to $10,000, none for Lite |
|
Excess to pay for loss/damage to rental vehicle |
none |
up to $2,000 |
|
Loss of revenue, towage, and/or salvage to pay for loss/damage to rental vehicle |
none |
up to $5,000 |
|
Manual work cover if employed in farming, building trades, etc |
none |
available at an additional premium |
+ Specified Items Cover is available for an additional premium
It is also worth pointing out that the excess is different between the two. The excess for claims is $75 under Experience Insurance and $100 under Working Holiday. The excess is reduced to $50 for Working Holiday if the claim is for an accidental injury. If the claimant on the Experience NZ plan is undertaking a study, the excess is waived. To find out what excess is, please read our other blog entry: https://orbitprotect.com/blog/what-is-an-insurance-excess/.
When you’re ready, click on Get Quote/Buy Policy. Even if you are already in New Zealand and you are only now thinking of getting travel insurance, you can apply for our Experience NZ policy, whatever visa you hold. The only exceptions are:
- if you are on a resident visa, we are unable to offer you any of our policies.
- If you are on an RSE (Recognised Seasonal Employer) Limited visa, we can only offer you our Seasonal Worker Insurance.
If you have any questions, feel free to email, call or leave us a message: https://orbitprotect.com/contact-us/