Travel Insurance You Can Trust

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Current Ages of All Travellers

Key benefits of Cover-More Travel Insurance

  • Luggage and travel documents

    Luggage and travel documents

    We offer up to $25,000^ for luggage and travel documents in our premium international plan. Cover items like cameras, laptops and mobile phones.

  • Medical Assistance

    Medical Assistance

    Feeling sick overseas? If you need to visit a hospital on your trip, we provide Unlimited cover+* for medical and dental expenses. We also provide medical evacuation and repatriation if needed.

  • Emergency Assistance

    Emergency Assistance

    Our policy holders have 24/7 access to our emergency assistance team. They’re here to help ensure you are safe, well, and can keep travelling.

  • Travel Delay/Cancellation

    Travel Delay/Cancellation

    We automatically include coverage for travel delay of over 6 hours, up to $2,000. For cancellation cover you can customise your policy by selecting an amount that suits your needs.

  • Access to TravelGP

    Access to Travel GP

    Cover-More NZ customers have access to our bonus Travel GP service free of charge. If you’re feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.

  • Rental Car Insurance Excess

    Rental Car Insurance Excess

    If you’re hiring a car you’re automatically covered by our premium policy for up to $10,000 for rental car insurance excess. So if you’re involved in an accident your out of pocket expenses won’t be so high.

^Item limits apply. For full details of terms and conditions, sub limits and exclusions that apply, please read the Policy Wording before purchasing this insurance product.

Types of travel insurance we offer



A trip of a lifetime overseas can be costly and sometimes scary if you have to visit a foreign hospital. Our 24/7 emergency assistance team is there to help policyholders navigate foreign hospitals, and to organise payment for medical services. A case of gastro in the USA once cost over $100,000.

Existing Medical Conditions

Existing Medical Conditions

We can cover a range of existing medical conditions. There are 36 already included in our policies, and all other existing medical conditions are considered. Simply get a quote and fill in an EMC survey to find out if you’re eligible for cover.



Our travel insurance policies automatically include cover for cruise ship related claims. Any injuries or accidents onboard the ship aren’t covered by ACC, and ACC won’t cover the cost of transporting you home. That’s where travel insurance comes in.

Annual Multi Trip Policy

Annual Multi Trip Policy

Travel frequently? Purchase a 30 day annual multi-trip policy and you won’t have to organise a policy every time you travel. Annual Multi Trips are ideal for travel enthusiasts who expect to take a few trips a year.



If you’re travelling in New Zealand and more than 250km from your home, then you can purchase a domestic policy. These are great for covering lost baggage, rental car excess, and some medical expenses.

For Seniors

For Seniors

Celebrate the golden years and travel the globe. It’s time to ticket items off that bucket list. Existing medical assessments will help provide that peace of mind that you’re covered.

Adventure Sports

Adventure Sports

Love the outdoors and adventure? Our policies include a number of adventure sports including jet skiing, parasailing, snorkelling, and more. Adventure sport accidents can be painful. Protect yourself and your finances.



Looking to save on travel insurance so you can spend more on your trip? Make sure you have a look at our Essentials Plan, providing great cover at an affordable price.

Ski & Winter Sports

Ski & Winter Sports

Add the Winter Sports extra to your policy to cover your ski and snowboarding adventures. Make sure you’re on-piste, not racing, and not participating as a professional - and we can provide cover.

Travel Insurance: what’s the big deal?

Everyone hopes that their trip goes smoothly, sometimes that isn’t always the case. From skiing accidents in Vancouver to insect bites in Thailand, travel insurance can help protect you from the unexpected. Our 24/7 Medical Assistance team are there to help with emergencies while on your trip, and our Claims team are available to help process your claims. We encourage our customers to read the Policy Document before purchasing a policy to ensure you know what you’ve got cover for. Read more about why you should consider travel insurance.

Cover-More Customer Reviews

Check out Cover-More NZ’s customer reviews on Feefo. Watch customer case videos and read testimonials from other Cover-More customers who we’ve helped.

Senka contracted Dengue fever in Bali, Indonesia and spent five days in hospital.

"When I was in hospital I spoke to Cover-More every day, and because I was in Bali on my own that was so reassuring."

Claim cost: $1,637


Diane’s father, John, fractured his hip on holiday in Australia and required surgery.

"Cover-More has been absolutely fantastic, I cannot fault them. They were in touch with me every day and they checked up on us to make sure dad was OK."

Claim cost: $10,933


Tom suffered a stroke on the first day of his holidays on the Cook Islands and had to be repatriated home.

"With all the help and care that I got, I’ve really dodged a bullet, and I couldn’t ask for anything more."

Claim cost: $114,780

Cover-More protects your next trip

Cover-More protects your next trip with:

  • 24/7 Emergency Assistance
  • Online claims portal
  • Choice of excess levels
  • Cancellation, winter sport, and luggage optional extras
  • Unlimited+* overseas emergency medical and dental expense cover on the Options plan
  • 15-day money back guarantee~

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to Plan I, Inbound area.
+For customers 70 years or over reduced maximum limits may apply. Limits will be shown on the Certificate of Insurance.
~Money back guarantee available when you cancel your policy within 15 working days of purchase and you have not made a claim or departed on your journey.

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