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      Orbit Protect

      Orbit Protect is a specialized insurance provider for international students and working holiday makers in New Zealand. 

      Orbit


      In this article

      Who is Orbit Protect?

      Orbit Protect is a specialized insurance provider offering tailored travel and medical insurance solutions for international students and working holiday makers in New Zealand. 

      Their policies are underwritten by NIB NZ Limited, which holds an A (Strong) Financial Strength Rating from Standard & Poor’s Global Ratings Australia Pty Ltd.

      Why Choose Orbit Protect?

      Orbit Protect stands out due to its New Zealand-specific focus, offering insurance plans designed around the real needs of international students and working holiday visa holders in the country. 

      Unlike general travel insurance, Orbit Protect policies include:

      • Education-specific coverage, like tuition fee protection.
      • Flexible property cover options for students with valuable belongings.
      • Medical repatriation support, including treatment continuation either in New Zealand or at home, depending on the case.
      • Affordable premium structures with optional add-ons for customization.

      💡 These plans are especially suitable for:

      • Students enrolling in New Zealand institutions.
      • Working Holiday Visa holders planning extended stays and temporary employment

      What Products Are Available on Edvisor?

      Orbit Protect offers three insurance options through Edvisor:

      1. Orbit Protect Prime (International Students)

        • Comprehensive coverage for medical, travel, and property.
        • Includes tuition reimbursement, emergency medical evacuation, and personal liability.
        • Covers personal belongings up to NZ$10,000 (with the option to specify higher-value items).
        • Kidnap and ransom coverage included.

      🔗 View Full Brochure – Prime Plan

      1. Orbit Protect Lite (International Students)

        • Cost-effective version of the Prime plan.
        • Includes the same medical and travel coverage as Prime but requires property to be specified separately for coverage.
        • No coverage for kidnap and ransom.

      🔗 View Full Brochure – Lite Plan

      1. Orbit Protect Working Holiday (Working Holiday Visa Holders)

        • Designed for young travelers on a Working Holiday Visa in New Zealand.
        • Medical coverage up to NZ$250,000, emergency repatriation, and optional property coverage.
        • Lower premiums and core benefit focus, excluding items like dental.
        • Optional baggage cover up to NZ$5,000 (NZ$1,000 per item) or higher with specified items.

      🔗 View Full Brochure – Working Holiday Plan

      How Does the Claims Process Work?

      To ensure your claim is processed efficiently, follow these steps:

      1. Create an account on the claims portal.
      Before submitting any claim, the student must register an account at:

      🔗 https://claims.orbitprotect.com/login 

      (This is a mandatory one-time registration. Future claims will be submitted using the same login.)

      2. Log in and complete the online claim form

      Once registered, students can log in anytime to submit a claim. The form requires uploading relevant documentation, such as:

      • Medical reports
      • Receipts and invoices
      • Police reports (in case of theft or loss)
      • Flight or accommodation booking details (for travel-related claims)
      • Wait for assessment and follow up if needed

      The OrbitProtect claims team will review the information. If anything is missing, they will contact the claimant.


      🔍 Important Claim Considerations:

      • ACC First: Injuries in New Zealand must be claimed through the ACC first. OrbitProtect covers only what ACC doesn’t.
      • Police Reports Required: If your belongings are lost or stolen, report it to the police within 24 hours and get a written report.
      • Unattended Items Are Not Covered: Claims won’t be accepted for items left in public or unsecured places.
      • Some Work Is Covered, Some Isn’t: Manual work needs approval unless you’re in retail, hospitality, or horticulture.
      • Pre-existing Conditions Are Not Automatically Covered: You must request approval and pay an additional premium if applicable.
      • Claim Excess Applies: A deductible (called “excess”) will be subtracted from your payout:
        • $50 for liability or injury
        • $100 for other claims (Working Holiday)
        • $150 for property claims

      For a detailed breakdown of the claims process, please refer to:

      🔗 https://orbitprotect.com/how-to/make-a-claim 

      How to start working with Orbit Protect?

      OrbitProtect is already connected to your Edvisor platform! You can start adding it to your quotes and making bookings right away.

      If you’d like to improve your conditions or update your agreement, just reach out to your Account Manager.