Orbit Protect Lite and Working Holiday: coverage details
Last updated: May 6, 2026
Orbit Protect Lite is a budget version of Prime for international students (no kidnap/ransom, property must be specified). Working Holiday is for Working Holiday Visa holders with NZ$250K medical, emergency repatriation, optional property cover.
Two additional Orbit Protect policies for different student profiles.
Orbit Protect Lite (International Students)
Cost-effective version of Prime.
- Same medical and travel coverage as Prime.
- Property must be specified separately to be covered.
- No kidnap and ransom coverage.
Orbit Protect Working Holiday
For young travelers on a Working Holiday Visa in New Zealand.
- Medical coverage up to NZ$250,000.
- Emergency repatriation included.
- Optional property coverage.
- Lower premiums and core benefit focus (excludes items like dental).
- Optional baggage cover up to NZ$5,000 (NZ$1,000 per item) or higher with specified items.