Travel during
the COVID-19
pandemicFrequently asked questions detailing
how the policy provides cover for certain
COVID-19 scenarios.

Updated 01-05-2022

For International Student, Experience NZ & Working Holiday Policies
Cover is subject to the section benefit limits, sub limits, conditions and exclusions on the plan You have chosen.
Please read Your policy wording carefully to understand how your policy operates or email our Customer Service
Team on service@orbitprotect.com if you have any general questions. It is important to note that we cannot
confirm coverage over the phone and you will need to submit a claim for consideration by our claims team.
The below scenarios are an indication of the benefits available only.
Any claim(s) made will be assessed in accordance with the full terms and conditions of the policy.
Scenario

Cover stanceCover conditions

Pre-trip (Trips to all destinations)
Diagnosed with
COVID-19

If I am diagnosed with COVID-19 by
a medical practitioner in my homecountry or I have received a positive test
result, can I claim my non-refundable
cancellation costs?

No. There is no pre-trip cover available
for cancellation resulting from COVID-19
related events.

General exclusion 22. An epidemic,
pandemic or outbreak of a contagious
disease or any derivative or mutationof such viruses (or arising directly orindirectly from these) or the threat, or
perceived threat, of any of these. This
exclusion does not apply to Section 2
Medical Cover, subsections 1-9 inclusive.

Government
interventions &travel restrictions

What happens prior to departure if, mylocal government or the New Zealandgovernment issues a “Do not travel”
warning or temporarily pauses travel
related to COVID-19. I cancel my trip –can I claim my cancellation costs?

No, cover is not available in thisscenario.

General exclusion 20. Any breach or
any prohibition or regulation of any
government relating to immigration
or travel (including failure to obtain apassport or visa).

Deemed to have
had close contact
with someone
with COVID-19

What happens if I have been directed toquarantine by a public health authority
because they deemed I had close
contact with someone diagnosed with
COVID-19 and can’t go on my trip?
Can I claim my cancellation costs?

No. There is no pre-trip cover available
for cancellation resulting from COVID-19
related events.

General exclusion 22. An epidemic,
pandemic or outbreak of a contagious
disease or any derivative or mutationof such viruses (or arising directly or
indirectly from these) or the threat, orperceived threat, of any of these. This
exclusion does not apply to Section 2
Medical Cover, subsections 1-9 inclusive.

Non-travelling
relative

My non-travelling relative has existing
medical conditions and falls ill with
COVID-19. Would there be cover if I
need to amend or cancel my journey?

No. There is no pre-trip cover available
for cancellation resulting from COVID-19
related events for non-travelling relative

General exclusion 22. An epidemic,pandemic or outbreak of a contagious
disease or any derivative or mutationof such viruses (or arising directly orindirectly from these) or the threat, orperceived threat, of any of these. This
exclusion does not apply to Section 2
Medical Cover, subsections 1-9 inclusive.

My non-travelling relative has passed
away from COVID-19 and my trip is now
disrupted or cancelled. Will I be able toclaim costs?

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Orbit Protect Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating.

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Scenario

Cover stanceCover conditions

No, cover is not available in thisscenario.

General exclusion 20. Any breach or
any prohibition or regulation of any
government relating to immigration
or travel (including failure to obtain apassport or visa).

Medical cover is available.

Subject to written medical certificationfrom a qualified medical practitioner
or you have received a positive
COVID-19 test.

Pre-trip or On-trip (Trips to all destinations)
Government
interventions &travel restrictions

At the time of booking my trip andpurchasing my policy, there were
no government travel restrictions inplace. A new outbreak of COVID-19 or‘pandemic hotspot’ has been declaredand government restrictions are put
in place that now prevent me fromtravelling to New Zealand. Am I covered?

On-trip (Trips to all destinations)
Diagnosed with
COVID-19

What happens if I am diagnosed with
COVID-19 by a medical practitioner andrequire treatment in New Zealand?

Overseas medical costs only and claims
relating to any additional expenses
like accommodation, meals, transaportare excluded.
Tested positive
to COVID-19 atairport/port inhome country
or when leaving
New Zealand

I was denied boarding due to a positive
COVID-19 test at the airport/port inhome country or when I left New Zealand.

Non-travellingrelative

Quarantine
or isolation

No. There is no pre-trip cover available
for cancellation resulting from COVID-19
related events.

General exclusion 22. An epidemic,
pandemic or outbreak of a contagious
disease or any derivative or mutationof such viruses (or arising directly orindirectly from these) or the threat, orperceived threat, of any of these. This
exclusion does not apply to Section 2
Medical Cover, subsections 1-9 inclusive.

Is there cover to return home early if
a non-travelling relative or business
partner in my home country isdiagnosed by a medical practitioner
with COVID-19?

No, cover is not available in thisscenario.

General exclusion 22. An epidemic,
pandemic or outbreak of a contagious
disease or any derivative or mutationof such viruses (or arising directly or
indirectly from these) or the threat, orperceived threat, of any of these. This
exclusion does not apply to Section 2
Medical Cover, subsections 1-9 inclusive.

While on my trip, I’m denied entry to a
country due to government restrictions
imposed in the arriving country on
travellers from countries I have visiteden route or from which I have departed.
Am I covered for the costs to change
my trip?

No, cover is not available in thisscenario.

General exclusion 20. Any breach or
any prohibition or regulation of any
government relating to immigration
or travel (including failure to obtain apassport or visa).

Am I covered under the COVID-19
benefits if I travel to any overseas
destination for a short trip?

The policy will cover Your trip toAustralia or Pacific Islands for a holiday,
up to 31 days.

Please refer to Your policy wordingfor details. Conditions and exclusions
apply.

Am I covered for the cancellation costs?

GeneralShort trip

This benefit covers Your overseas
medical expenses only.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Orbit Protect Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000
296 640, trading as Zurich New Zealand. Information provided is correct at the time of writing and is general information only. If you need more information or have specific questions, please read and refer toPolicy Wording or contact us. To know whether any policy or plan is right for you, we suggest you speak with your own independent and qualified financial adviser or insurance broker. Contact Orbit Protect on:
0800 478 833 or email service@orbitprotect.com for insurance queries.

For more information, contact Customer Service on 0800 478 833,
or email service@orbitprotect.com

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