Experience
New Zealand
Travel Insurance
For the best protection from touchdown to takeoff.

Whether you’re here fora few days or a few years,
OrbitProtect Experience
New Zealand is designed
to protect you whenthings go wrong.
Just passing through? Thinking of studying in New Zealand?
Or maybe you want to stay and apply for residency?
Making these big decisions for you and your family is toughenough without having to change your insurance cover
every time your circumstances change.
OrbitProtect Experience New Zealand plans cover visitors,
prospective residents and everyone in between withaffordable cover that reflects the local environment. If yourvisit to New Zealand is just part of a bigger trip through theSouth West Pacific, we provide great coverage for up to31 days for travel through New Zealand to places like
Australia, Fiji and New Caledonia.
If you come to New Zealand as a visitor and then decideto stay on and study, our plans also provide you with theadditional insurance protection schools require.
All our plans are underwritten by Zurich Australia Insurance(ZAIL), trading as Zurich New Zealand.

Medical careIf you unexpectedly become ill, or suffer an accident
or injury, you won’t have to worry about paying for your
medical care. We will pay for your doctor, hospital andday care 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. At sucha stressful time we will help you by taking care of the costly
expenses involved, allowing you to totally focus on the mostimportant matter – your recovery.
If you don’t want to return home when we think you should,
a NZ$20,000 treatment in New Zealand option, not normally
included in Travel Insurance, is available.

Property
The Prime plan provides you with a generous amount of coverfor your baggage and personal effects. Alternatively, under
our Lite plan, you can elect to specify the items you wish toinsure or choose to leave property out of your cover.
IMPORTANT: Please read the Benefits Summary on this brochureand visit www.orbitprotect.com for all terms, conditions, exclusions
and excesses that apply to these insurance plans.

Individual high-valued items
The Prime plan gives you full cover for any items (like camerasor computers) that are valued in excess of NZ$2,500 when
you specify these items on the application form. You canalso specify property cover under the Lite plan (additionalpremiums apply).

Pre-existing medical conditions
You are NOT automatically covered for pre-existing medicalconditions. However, cover can be arranged in certain
circumstances for a small processing fee of NZ$45.

Special medical benefit!
There are advantages in continuing unbroken cover with us,
but please understand we are not obliged to provide you witha new policy when your current policy ends. Please contact us
for more information.

Insurance for all visitors to New Zealand
Medical professionals, dairy farming, building trades,
student families.
1Benefits summary
You are covered in New Zealand, but where else does cover apply?
If you travel from...

then you are covered for a maximum of...

Your country of origin toNew Zealand and return

9 days for any one trip

New Zealand to Australia and theSouth West Pacific

31 days in total during the periodof insurance

Cover benefits
Medical expenses

Cover limits (NZ$)
Prime

Lite

1

Medical expenses

Unlimited. Expenses
must be incurred within
12 months of disablement

2

Evacuation/return to country oforigin if you become disabled

Unlimited for travel
expenses involved. Up to$20,000 for continuing
medical costs

Same as Prime

3

Other persons’ travel andaccommodation costs to travel
to be with you

Up to $100,000. A daily
accommodation limit inNZ of $250 to a maximumof $5,000 applies

Same as Prime

4

Funeral and cremation, or returning
remains to your country of originUp to $100,000

Same as Prime

5Home nursing care whilst disabled

Up to $50,000

Same as Prime

6Emergency dental treatment

Up to $500. For NZ dentalinjuries covered by ACC(Accident CompensationCorporation) cover is up
to $1,500

Same as Prime

7

Cash allowance whilst in hospital(after 24 hours)

Up to $100 per day to amaximum of $3,000 in NZ
and $10,000 overseas

Not covered

8Accidental death

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

Same as Prime

PropertyPrime

Same as Prime

LiteLuggage and personal effects arecovered for their replacement cost(‘new for old’) irrespective of age.
Clothing and footwear that are morethan 12 months old are settled on adepreciated basis (‘new cost with adeduction for wear’). The maximum
value per item you can specify is$10,000. The limit of the total valueof all items specified is $30,000

Up to $10,000 plus
specified items.
Maximum cover on any
item, pairs or sets ofitems is $2,500 without
specifying

Not covered(See optional
cover)

2

Loss or damage of personal
documents

Up to $1,000

Same as Prime

3

Theft of money

Up to $500Same as Prime

1Online claims submission
For a quick outcome, submit your claim online!
At www.orbitprotect.com
www.orbitprotect.com, click on the link to our online claims
system. You only need to register once. After which, you simply
have to log in anytime you need to make a claim.
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Cover benefits
Disrupted travel cover

Cover limits (NZ$)
Prime

Lite

Additional travel andaccommodation costs if travelplans are disrupted by strikes,
weather, etc

Up to $10,000

Same as Prime

Purchase of essential clothing
and toiletries, if all your luggage
is delayed for more than 6 hours

Up to $200

Not covered

3

Additional costs incurred onearly return home

Up to $10,000

Same as Prime

4

Missed connection costs

Up to $10,000

Same as Prime

5

Legal costs for false arrest
and/or wrongful detention

Up to $10,000 (not incountry of origin)

Same as Prime

12

Loss of Deposits

Prime

Lite

Cancellation of travel
arrangements

Up to $50,000

Same as Prime

Personal liability

Prime

Lite

Up to $2,500,000

Same as Prime

Legal liability for accidental deathor injury or property damage

Search and rescue

Prime

LitePrivate search and rescue

Up to $10,000

Not covered

Rental vehicle excess
and loss of use

PrimeLite

Covering the policy excess you
may need to pay when hiringa vehicle

Up to $2,000

Same as Prime

Covering loss of use charges
you may need to pay to thehire company

Up to $5,000

Same as Prime

12

Excesses that apply to both plans:$75 all other claims excluding emergency clothing and toiletries(Section 3.7 of the Prime wording).
NZ Education Benefit: During the time you or any member ofyour insured family are undertaking study the excess on medicalclaims is removed (no excess on students). The $75 excess
continues to apply to the rest of the family.

3Our competitive premiums (NZ$)
Prime

Prime

Lite

Lite

Individual

FamilyIndividual

Family8 days

$83

$163

$53

$110

15 days

$116

$237

$75

$160

1 month

$182

$361

$122

$248

2 months

$267

$532

$184

$365

3 months

$334

$659

$230

$450

4 months

$402

$790

$275

$540

5months

$457

$889

$310

$605

6 months

$497

$979

$340

$650

7 months$554$1,087$380$725

8 months$604$1,180$415$800

9 months$658$1,291$450$865

10 months$714$1,395$490$940

11 months$768$1,503$525$1,010

12 months$824$1,605$560$1,075

Who is covered under the individual and family plans?
Individual: One adult and accompanying dependents
under 19 years of age.
Family: Two adults (who are married or in a de facto relationship)
and accompanying dependents under 19 years of age.

Options:
High value items can always be added to both plansby 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)
Age premium loadings
Aged 61–65 add 75% to the individual premium table.
Aged 66–80 can be considered on application.
Manual work cover for general farming (excluding any
activity relating to forestry), building and related trades.
Add 20% of the individual Lite premium to the cover option.
Example: If you have taken the 12 months Individual Prime plan($749) add 20% of the Individual Lite plan ($103.80) = NZ$852.80
in total.

How do you apply for cover?
To apply for cover, you can either:• Contact your agent• Visit us at www.orbitprotect.com, or• Telephone us on 0800 478 833 (within New Zealand)or +64 3 434 8151 (outside of New Zealand).

4

IMPORTANT INFORMATION
you need to know• 	We only provide cover for unexpected costs. It is yourresponsibility to pay for medical check ups and treatment forthe maintenance of your physical and dental health.
• 	We will not provide cover if you travel against medical advice.
• 	We do not provide cover for property claims if you leave
your property unattended in a public place or in anunsecured location.
• 	Cover will not be provided if you are injured whilst undertaking
manual work, unless we have agreed to cover your workin writing. You do not need to obtain our agreement to thefollowing work categories as they are automatically covered:- Retail- Accommodation- Pubs, taverns and bars
- Cafes, restaurants- Horticulture• 	Subject to an additional premium (see premium table) we cancover all building related trades.
• 	You must report any loss or theft of property to the police orauthorities within 24 hours and obtain a written report.
• 	Cover will not be provided if alcohol, drugs or illegal activities
are involved in any event that causes you any injury or loss.
• 	If you want to make a claim for an injury that occurred in
New Zealand, you must first make a claim to the New ZealandAccident Compensation Corporation (ACC).
• 	Travel insurance is not the same as New Zealand healthinsurance. We encourage you to discuss the differences withus prior to purchasing cover.

OrbitProtect
Worldwide AssistanceIf you are coveredby one of ourinsurance plans
and the unexpectedoccurs, you canphone us on:

0800 478 833 within New Zealandor+64 3 434 8151 anywhere else in
the world for advice when you need it.
We are always just a phone call away,
24 hours a day, 7 days a week.

How can you contact us?
If you need further information or assistance with claims,
please call us on our toll free numbers below or visit us atwww.orbitprotect.com
Within New Zealand
0800 478 833
From outside New Zealand+64 3 434 8151

OrbitProtect Ltd
PO Box 2011, Christchurch 8140, New Zealand.
Fax: + 64 3 379 0252
Email: service@orbitprotect.com

Zurich Australian Insurance Limited’s (ZAIL) Financial Strength is A+from Standard & Poor’s Australia.
Standard & Poor’s rating scale for an insurer’s financial strength, together with asummary of Standard & Poor’s description is:
AAA = Extremely Strong
BBB = Good
CCC = Very Weak
NR = Not Rated

AA = Very Strong
BB = MarginalCC = Extremely WeakA = Strong
B = Weak
R = Regulatory Supervision

Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign
to show relative standing within the major rating categories. Further information on theseratings is available from www.standardandpoors.com
www.zurich.co.nz/about-us/financial-strength
An overseas policyholder preference applies. Under Australian law, if ZAIL is wound up,
its assets in Australia must be applied to its Australian liabilities before they can be applied
to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on
ZAIL’s Australian assets to satisfy New Zealand liabilities.

DISCLAIMER: The information contained in this brochure is brief and subject to change.
Please refer to the OrbitProtect wordings for all terms and conditions. Information herein shows
our premiums valid from December 2021 and are subject to change without prior notice.
(This cover is not available to NZ residents).

Experience
New ZealandInsurance

Insured Name:

Certificate of Insurance No.

www.orbitprotect.com

EXE2021/11