Cover-More travel insurance – holiday more, worry less

We can’t tell you what you need – that’s for you to decide. But we can say this: the New Zealand Government thinks you do need travel insurance.  

‘Are you thinking of travelling outside of New Zealand without insurance? Don’t. Even minor medical treatment can be expensive. The New Zealand Government will not pay these costs.’ – safetravel.govt.nz  

Read our Policy Wording or compare our plans to understand how our Cover-More travel insurance may help if you get in strife while you’re away from home.

It’s up to you to make that call, but having travel insurance may be worth it if something unexpected happens on your trip that leaves you with a big bill. The costs of things like overseas medical emergencies, lost or stolen belongings and unforeseen travel delays can add up quickly, so it’s helpful to have financial support.  

If you buy our Cover-More travel insurance, you can get cover for unexpected costs as well as access to our 24/7 emergency assistance team. Having assistance pros to lean on during a tough time can be worth its weight in gold.

Buying travel insurance might not be the most exciting part of planning a trip, but it can help you worry less about the ‘what ifs’.

Ready to cover your trip? Get a quote now.

Our Cover-More plans come with a whole range of useful benefits (depending on the plan you choose), including:

• Overseas Medical Expenses cover
• Luggage cover
• Smartphone cover
• Laptop cover
• Travel Delay cover.

We’re also here to help if something goes wrong. You can contact us for assistance 24/7 and we’ll be here to help care for you. This means you won’t be on your own if things take a turn for the worse when you’re away from home.

Got pre-existing medical conditions? We can automatically cover the ones on this list if you meet all our criteria. If you don’t, we can still help! Just tell us about all your medical conditions using our online assessment when you get a quote, and we can tell you if we can offer cover for them and how much the cover costs.

We’ve also got cover options for stuff like:

• cruises
• snow holidays
• scooter, moped, motorcycling
• high risk adventure activities
• expensive tech or luggage items.  

Want to know more about what’s included in our Cover-More travel insurance? You can find the full details on our cover in the Policy Wording.

Ready to choose the right plan for you? You can compare our plans now or get a quote.

Our Cover-More travel insurance has specific exclusions and we may not cover some things, like:

• certain reasons for trip cancellations
• some pre-existing health issues
• lost or stolen belongings in certain situations
• high-risk sports  
• some events linked to COVID-19.

Our Policy Wording details what we can and can’t cover, so read it before you buy.

If you’ve bought travel insurance for your trip and something goes wrong before or during your trip, here’s how it usually works:  

• You pay for the costs upfront (like a doctor’s visit or replacing a lost item).
• You keep the receipt(s) and gather any paperwork, like medical reports or a police report, proving what happened.
• You make a claim with your travel insurance provider for the unexpected costs, including submitting the supporting receipts and paperwork.

Our Cover-More travel insurance can have your back if things go wrong on your trip. We may help pay for the costs of unexpected problems, like if you:

• can’t continue on your holiday
• need medical help overseas
• lose your passport or bags while you’re out exploring.

When you travel with us, you might not have to sort out your medical bills on your own if you get sick or injured overseas. You can call our 24/7 emergency assistance team for help, day or night. They can talk you through what to do – and even liaise directly with the hospital or clinic to pay your medical bills if you need expensive treatment and it’s covered by your policy. Yes, you might not have to pay for expensive medical treatment upfront when you travel with our Cover-More travel insurance.

Ready to worry less on your next trip? Check the Policy Wording to make sure our cover fits what you need, then get a quote to buy.

It depends. The price you pay for our Cover-More travel insurance is different for every traveller.

We look at a range of things to work out the price of your policy, including:

• Where you’re going. It can cost more if you’re heading somewhere riskier.
• When you leave and how long you’ll be away. If you buy your policy, include cancellation cover and you’re not departing for a while., or you’re away for a long time, you might pay more because the chance of something going wrong increases.
• How old you are. Some age groups are higher risk, so their cover costs more.
• The plan you choose. Our international Comprehensive+ plan costs more than our international Comprehensive or domestic plans because it gives you more cover.
• If you’re going on a cruise. Adding Cruise Cover to your policy means a higher cost.
• Cancellation cover. Some plans let you pick how much cancellation cover you want. The more you pick, the more it can cost.
• Pre-existing medical conditions or pregnancy. You might need to pay more if you want to include cover for these. (Take our online medical assessment when you get a quote to find out if you’ll need to pay any extra costs.)
• Wanting extra cover options. Adding extra options to your cover to match your itinerary means you’ll pay more.

A cheaper policy cost upfront can be tempting. But look at the Policy Wording before you buy to make sure you have the right level of cover for your trip.

Just add your trip details to the quote box at the top of our Cover-More webpages and hit the big yellow ‘Get quote’ button.  

You’ll then see some suitable plan(s) for your trip based on the details you’ve shared. Once you’ve picked your plan, you can customise your policy with extra cover options and declare any existing medical conditions.  

Want to get the best quote for your trip? Use our travel insurance checklist to help you through the process.

Yes, we do have an app. Our Cover-More app is great at helping you plan your trip – and it can help you stay safer while you’re away.  

Here’s what our travel insurance app can do for you:

• It lets you buy cover, right in the app.  
• It lets you keep your policy easily accessible in your pocket.
• It comes with a useful AI itinerary planner.
• It offers tips about your destination.
• It can send you real-time safety alerts about nearby incidents as you’re travelling.
• It gives you tap-to-call access to our expert 24/7 emergency assistance team.
• It helps you make a claim without having to pull out a laptop.

You can download it here. You’ll love it.

You can find it on our Policy Wording page. It’s important to read this document before you buy your cover so you know exactly what our travel insurance can and can't cover before you commit to it.  

Once you’re a Cover-More customer, you’ll receive your policy details, Certificate of Insurance and a copy of the Policy Wording via email. Consider keeping it handy when you travel so you can check what your cover includes whenever you need.  

If you download our app, you can easily access the Policy Wording (as well as your policy details) in there, too.

Yes. We include cover for many existing medical conditions in our base plans if you meet all the criteria – additionally you can apply for cover for other conditions not automatically included via our online medical assessment when getting a quote.  

Our Policy Wording and existing medical conditions cover page have lots of useful information about this, including the conditions you’ll need to meet for this cover to apply.

Yes, we cover travellers up to 99 years old. We value our senior travellers and their love of holidaying.

There are many reasons you should consider buying our insurance. Here are the top seven:  

1. We’re experts at taking care of travellers. We’ve looked after more than 15 million travellers globally since we started in 1986. We’ve been operating in New Zealand since 2007, and we’ve provided travellers with quality travel insurance and help before, during, and after their trips. We’ve won lots (and lots) of awards, too.  
2. We have a 4.8-star rating on Google reviews*. We care about our travellers, and our travellers trust us.
3. We understand it’s important for you to feel safe and cared for while you travel. That’s why our 24/7 emergency assistance team is here for you, no matter when or where you need our help.  
4. We offer domestic, international, and inbound plans, with options to customise your cover to suit your travel plans. That’s right, we can cover most trips and travellers
5. Our travellers get $Unlimited~ overseas medical and emergency dental cover. This may save the day if you end up with a large bill overseas after getting sick or injured on an international trip.  
6. We have automatic cover for lots of common existing medical conditions (as long as you meet our criteria). And if your condition isn’t on the list of ones we can include automatically or you don’t meet the criteria, we may still be able to offer cover (for an extra cost). Just let us know when getting a quote online!  
7. We offer generous items limits for lost and stolen personal belongings like phones, laptops and cameras. The maximum limit depends on the plan you choose, but you can also opt to increase some item limits.  

~Cover will not exceed 12 months from the onset of the illness, condition, or injury.

*Rating correct as of 28 July 2026.

It depends. Everyone has different needs and ideal timings, but the best time to buy your cover is usually right after you book your trip.  

Buying early also comes with this safety net: a 21-day cooling-off period. This means you can get a full refund of your Cover-More travel insurance premium if you change your mind and want to cancel the policy, as long as:

• it’s within 21 days of buying the policy  
• you haven’t already made a claim under the policy, and
• you haven’t departed on your journey.  

It also means, if you include cancellation cover, you can claim back your costs if you need to cancel or rearrange your trip unexpectedly.

Yes, but you’ll have to wait three days until your cover starts and you won’t have any cover at all for anything that has already happened.  

The Policy Wording is the source of truth and will explain all – check it out if you want to know more.

Yes, we offer a 21-day cooling-off period if you decide not to take us with you on your trip.

To be eligible to cancel your travel insurance policy during this period, you’ll need to still be at home (i.e. you haven’t started your trip yet) and not have made a claim or intend on making a claim.  

Read the Policy Wording for more about our cooling-off period. 

Yes, you can make changes right up until the trip start date on your Certificate of Insurance. Call the friendly customer service team on (0800) 500 225. They’re happy to help! 

You can make a travel insurance claim online using our online claims tool.

It’s available 24/7, so you can submit your claim from anywhere, at any time. (Just make sure you lodge it within 60 days of arriving home!)  

Our travel insurance claims page explains all the information you’ll need.

If something goes wrong on your trip, it’s best to let us know ASAP. Make sure you fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.

Got more questions? You’ll find everything you need to know about making a claim here.