Travel insurance
Orbit Protect
New Zealand-based travel insurance underwritten by nib, aimed specifically at working holidaymakers, students, and people relocating to NZ.
Pros
- + NZ-based and NZ-focused — built around working holiday, student, and relocation scenarios rather than short leisure trips
- + Underwritten by nib, an established NZ insurer, which can make claims easier to navigate locally
- + Purpose-built policy wording tends to line up well with what visa schemes ask for, since working holidaymakers are their core audience
Cons
- − Less useful if your trip includes a lot of pre- or post-NZ travel in other countries — it's NZ-focused rather than a global multi-country policy
- − Fewer international reviews to compare against than the bigger global backpacker insurers
Best for: Working holidaymakers whose trip is mostly or entirely based in New Zealand.
Because this policy is purpose-built for working holidaymakers, it’s worth comparing its wording directly against your scheme’s insurance condition on your country’s visa page — it’s often the closest match to what’s actually required.