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OrbitProtect review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

OrbitProtect is a New Zealand insurer built for expats, with health and travel cover as its only lines rather than a single market's standard set. It suits expats and international students who want cover from the insurer itself, and the company has been trading since 2005.

Key facts

Best for
Expats and international students needing health or travel cover in New Zealand.
Insurance types
Health, Travel↗
Provider type
Insurer↗
Excess from
NZ$50↗
Claims channels
Online-claims-portal, Email, Phone, In-person-medical-provider↗
Legal entity
OrbitProtect Limited↗
Headquarters
New Zealand↗
Founded
2005↗
Support channels
Email, Phone, Help-centre↗
Audience
Expats
Official website
orbitprotect.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • Built for expats, with health and travel cover as the only lines (health and travel).
  • An insurer rather than a broker or a comparison site (insurer).
  • Claims can run through online claims portal, email and phone, so treatment abroad need not wait for paperwork to travel.
  • Support reaches policyholders on email, phone and help centre, for cover questions as well as claims.

Cons

  • Cover stops at health and travel, so there is no life, home or auto line (health and travel).
  • Support runs on email, phone and help centre only, with no live chat option.
  • Each claim leaves a share with you, and the published excess is NZD 50 on international student cover.
OrbitProtect

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Expats settling in New Zealand who need health cover shaped around a move rather than a resident policy (expats).
  • International students looking for cover with a small claim excess and several ways to make a claim (NZD 50, online claims portal, email and phone).
  • Readers who prefer the insurer itself over a broker or a comparison site (insurer).

Who should look elsewhere

  • Linxea, if life insurance is the goal, since its types are life while OrbitProtect lists health and travel.
  • Oney Préstamos ES, if you want life or gadget cover added, since its types are health, life and gadget.
  • Euroasia Insurance, if you need auto, home or gadget cover, since its types are auto, home and travel.

Who runs it

OrbitProtect trades as OrbitProtect Limited, the name that appears in its terms and conditions, and it is headquartered in New Zealand. It has been working from that base since 2005. Day to day contact runs through email, phone and help centre, which covers email, phone and a help centre, so an existing policyholder can reach the company the same way in writing, by voice or through self service materials.

How OrbitProtect compares

Where OrbitProtect is available

Available
New Zealand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does OrbitProtect actually cover?+

Its range is health and travel, so the choice is health cover or travel cover, aimed at expats. There is no life, home, auto or gadget line in that list, so the decision comes down to medical costs and the trip itself.

What will I have to pay if I make a claim?+

An excess applies, and the published figure is NZD 50 on the international student policy. That is the part of a settled claim the insurer leaves with you, so the lower the excess the smaller your share of a large medical bill.

How do I make a claim?+

Claims run through online claims portal, email and phone. In practice that means logging into the online claims portal, sending an email, picking up the phone, or dealing directly with a medical provider in person when treatment is being billed. The provider route cuts out a reimbursement wait.

How do I get help with a policy?+

Support runs on email, phone and help centre, so email, phone and a help centre cover the routes in. Help on the policy itself, not only on a claim, comes through the same set. There is no live chat listed, which anyone who likes typing a quick question in real time should note.

Am I dealing with the insurer or a middleman?+

With the insurer itself. insurer describes what OrbitProtect is, and the contract runs with OrbitProtect Limited, the legal entity named in the terms and conditions. There is no comparison layer between the quote and the policy.

Where is OrbitProtect based, and how long has it run?+

It is headquartered in New Zealand and trades as OrbitProtect Limited, the entity named in the terms and conditions. It has been operating since 2005, so the provider behind your health or travel policy is a business with a long presence in its home market.

Is OrbitProtect right for me, or should I look elsewhere?+

If you are moving to NZ or are an international student, expats matches the audience it is built for and health and travel covers the risks a move brings. If you want life, home, auto or gadget cover, Linxea lists life and Euroasia Insurance lists auto, home and travel.

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

OrbitProtect

Expats and international students needing health or travel cover in New Zealand.

9.1/10See alternatives