OrbitProtect review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OrbitProtect is a New Zealand insurer aimed at expats and international students, covering health and travel through a single site rather than a partner panel. Trading since 2005 under OrbitProtect Limited, it takes claims through online claims portal, email and phone.
Key facts
- Best for
- Expat and international student health and travel cover bought direct from a New Zealand insurer.
- Insurance types
- Health, Travel (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Excess from
- NZ$50 (Source, checked September 26, 2026)
- Claims channels
- Online-claims-portal, Email, Phone, In-person-medical-provider (Source, checked September 26, 2026)
- Legal entity
- OrbitProtect Limited (Source, checked September 26, 2026)
- Headquarters
- New Zealand (Source, checked September 26, 2026)
- Founded
- 2005 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Expats
- Official website
- orbitprotect.com
Apps and profiles
- Elsewhere
- LinkedInyoutube.com
Pros and cons
Pros
- Health and travel sit with the same provider, since health and travel cover comes straight from the insurer rather than a broker.
- Claims run through online claims portal, email and phone, so treatment can be settled with a medical provider instead of a form alone.
- Support covers email, phone and help centre, and the audience is expats rather than a general local market.
Cons
- Cost evidence is thin: an excess of NZD 50 on international student insurance is the only figure published.
- That excess is stated for student cover only, so other health and travel policies carry no published excess level.
- Support runs on email, phone and help centre, with live chat not among the listed channels.
Who it suits
- Expats and international students who want health and travel cover in one place, from an insurer rather than a broker.
- People who want a medical claim started through a provider using online claims portal, email and phone, rather than waiting on paperwork.
- Readers who value a provider that has traded since 2005 and sits in New Zealand.
Who should look elsewhere
- Anyone after home, auto, pet or life cover in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Borrowers rather than travellers: Oney Préstamos ES covers health, life and gadget.
- People wanting a broad Swiss personal line rather than an expat niche: bonus.ch lists auto, home and life.
How OrbitProtect compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
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Where OrbitProtect is available
- Available
- New Zealand
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does OrbitProtect actually sell?+
OrbitProtect sells health and travel cover and nothing else in the range, so you choose between a health policy and a travel policy rather than a general personal line. The company is a New Zealand insurer, and the policies sit with the legal entity OrbitProtect Limited.
Who is the cover aimed at?+
The audience is expats, and international students get their own policy, which is where the published excess sits. Head office is in NZ and the company has traded since 2005, so you deal with an established local insurer rather than an overseas name or a broker.
What will I pay if I make a claim?+
The only cost figure in the public material is an excess of NZD 50 on international student insurance, which is the part you pay before cover responds. No premium range is listed for the health or travel policies, so the price you pay comes from a quote rather than a published fee.
How do I make a claim?+
Claims run through online claims portal, email and phone, so you can start at the online claims portal, by email or by phone. The in-person medical provider route means treatment can be settled with the provider directly, which is the practical path if you need care before the paperwork is together.
How do I get help outside a claim?+
Support runs on email, phone and help centre, so you can email, phone or work through the help centre. That suits readers who want someone on the end of a phone line as well as written answers, though live chat is not among the listed channels for this insurer.
Am I buying from an insurer or a broker?+
You are buying from the insurer itself: the entity is listed as an insurer, and policies are issued by OrbitProtect Limited. That means the contract sits with the company carrying the risk, not with a comparison site or an administrator selling on someone else's behalf.
How does the range compare with the wider market?+
OrbitProtect sticks to health and travel, while Good Sam Insurance Agency lists auto, home and renters and bonus.ch lists auto, home and life. If your needs sit outside the expat health and travel niche, those lines reach further, but they are not built around expats.
Sources
- orbitprotect.com checked September 26, 2026
Backs: Audience, Insurance types, Support channels
“We offer plans designed to provide comprehensive cover for New Zealand bound international students, workers, non-NZ residents, visitors on working holiday visas, and seasonal workers”
- orbitprotect.com/about-orbitprotect checked September 26, 2026
Backs: Founded, Headquarters
“OrbitProtect was established in Aotearoa New Zealand in 2005”
- orbitprotect.com/our-insurance checked September 26, 2026
Backs: Claims channels, Provider type
“Our online claims system is fast, secure and easy to use when you make a claim”
- orbitprotect.com/our-insurance/international-student-insu... checked September 26, 2026
Backs: Excess from
“Section 5 Personal Liability Cover: $50 in total applies to any claim arising from an event”
- orbitprotect.com/terms-and-conditions-of-use checked September 26, 2026
Backs: Legal entity
“OrbitProtect Limited is wholly owned by nib nz holdings limited and is a member of the "nib Group" of companies”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
OrbitProtect
Expat and international student health and travel cover bought direct from a New Zealand insurer.