Like you, we know how exciting travel can be, but we also know every traveller is different and has different needs. You might be a backpacker on a tight budget or a senior spending the kids’ inheritance on a bucket list trip (go you!), which is why we cover lots of things.

Whoever you are, and however you like to travel, we offer cover for more than 80 fun-packed activities in all our base plans, from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding, and many more. We’ve also got optional cover for cruises, snow holidays, and motorcycling!

And, while we hope you’ll never need to ask, we’re also here to help if something goes wrong. You can contact us 24/7 for assistance, which means you’ll never be on your own if your plans go a little pear-shaped.

We also have cover for less exciting things like flight delays, losing a bag, dropping a laptop, and much more. Plus, cover for emergency medical and dental costs overseas and COVID-19 (yes, it’s still lurking around…), and other unforeseen expenses that crop up while you’re away.

Want to know more? Have a poke around in our Cover-More travel insurance benefits page to learn more about our cover. You can also find the full details on all the benefits and benefit amounts included in our travel insurance plans in the Policy Wording.

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

It’s easy and fast, promise. Just fill in the quote box at the top of our Cover-More homepage (or any page across the entire site – take your pick!) with all your trip details and hit the big orange ‘Get quote’ button.

You’ll then see the plan(s) we have that are suitable for your trip based on the details you’ve shared, plus have the chance to vary your policy with extra cover options and declare any existing medical conditions.

To make sure you get the best quote for you, use our travel insurance checklist to help you through the process.

It should be walk in the park, which is hopefully the vibe of your upcoming trip, too.

Of course we do – we're quite modern, you know – and it’s award-winning!

Our Cover-More app not only provides you with your policy in your pocket, but it also offers tips about your destination, can send you real-time safety alerts about incidents nearby as you’re travelling, and gives you tap-to-call access to our brilliant 24/7 emergency assistance team.

You can download it here. You’ll love it. (We do.)

Absolutely! You are free to go... but do know we’ll miss you.

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.

If you want to find out more, take a peek inside the Policy Wording.

Great question! You can access the Policy Wording here →

We like to think of the Policy Wording as your travel insurance guru – it tells you everything you need to know, including what you’re covered for and what you’re not. Yes, it’s got all the information we could possibly tell you about your cover, so reading it means you ensure you’ve got the right cover for your trip before you’ve even let home.

Even though it sounds a bit dull (it is a bit), keeping it handy when you travel is also something to consider. But don’t worry – we make this easy for you. Once you’re a Cover-More customer, you’ll receive your policy details via email, but if you download our app, it’s super easy to access your policy detail and the Policy Wording in there, too.

Whether it’s via our app, email, or phone, we'd love to hear from you.

If you’re already travelling and it’s an emergency, please contact our emergency assistance team on +61 2 8907 5240 from anywhere in the world. If you’ve got our app, open it and tap the assistance button at the bottom and follow the prompts to connect with us.

If you’re still in New Zealand and have a question about your Cover-More travel insurance policy, our cover, or anything that isn’t an emergency, our customer service team can help on (0800) 500 225. If you’ve got a question about a claim, our claims team can chat to you on (0800) 500 225.

The answer is yes! We don't think a medical condition should stop you exploring the world, and neither should you.

We're rather proud of our travel insurance plans, even more so because we provide cover for many existing medical conditions in our base plans. (Our existing medical conditions cover page has lots of useful information about this – including the conditions you’ll need to meet for this cover to apply.)

Some medical conditions are a bit complex (and some travellers have more than one), which is why we have an online medical assessment that allows you to easily declare all your conditions so we can quickly tell you if we can provide you with cover.

Good to know: After you take the assessment, including cover in your policy for some conditions may mean you’re charged an extra premium, while some we can include in your policy for no additional cost. To find out, get a quote and take the assessment.

Want to learn more about our cover for medical conditions? We share all our helpful information on our existing medical conditions cover page.

We’re sorry you've had a travel mishap, but the good news is this: we’ve made it super easy for you to 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, including what documentation you’ll need to support your claim and when to let us know about any incident that leads to your claim. But, if you need us, we’re here to help on (0800) 500 225.

Don’t keep it to yourself – if something goes wrong on your trip, let us know ASAP. All you need to do is fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.

Worried you might miss the 60-day deadline because you’re waiting for or missing documentation? Don’t stress – just contact our claims team on (0800) 500 225 to let them know, and then submit the elements of your claim you do have while you’re waiting.

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

Bring the whole gang – we don’t care! Actually, we do care – the more, the merrier.

The maximum number of accompanying children on our leisure and business policies is 10, they just have to be your own children or grandchildren and have the same itinerary as you.

Because we like to show you the ‘big print’, all the children must be:

• identified on the Certificate of Insurance
• travelling with you
• under 21
• financially dependent on you and
• not in full-time employment.

What do they say, ‘You’re only as old as you feel!’? We think you’re never too old to explore the world. (Well, maybe at 100 you need to pop your feet up…)

We cover travellers up to 99 years old – right up until you get your letter from King Charles III. We value our senior travellers, and you can find out more about our travel insurance cover for seniors here.

Too busy jumping on your suitcase trying to get the zip closed to buy travel insurance? Don’t worry – you can still buy our Cover-More travel insurance once you’re on the road, but you’ll have to wait three days until your cover kicks into gear, so be good during that time!

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

You betcha. You can make changes right up until the trip start date on your Certificate of Insurance, and you can amend details including traveller names, contact details, travel dates, your cover, and more’ (although there are a few details that are unable to be changed – sorry!).

Call our friendly team on (0800) 500 225 – they can help.

Are you sitting comfortably? Yes? Then we’ll begin…

Cover-More Group is the parent company of Cover-More travel insurance, and Cover-More Group is owned by Zurich Insurance.

Oh, and the underwriter for Cover-More New Zealand is Zurich Australian Insurance Limited.

Keeping up? Well, you did ask.

Ahem, shouldn’t you be asking why shouldn’t I consider buying Cover-More travel insurance?

We know we’re great at what we do, but here’s why you can feel good about travelling with us:

• We’ve taken care of more than 15 million travellers since 1986, providing them with quality travel insurance and help before, during, and after their trips
• We understand it’s important for you to feel safe and cared for while you travel so you can worry less, which is why we’re here for you 24/7
• We offer domestic, international, and inbound plans, so we can cover practically any trip and any traveller
• We provide cover for 80+ activities in our base plans so you can ditch the sun lounger to raise your heartbeat, safely
• You can access our global emergency assistance support no matter when or where you need our help.
• We’re not afraid to talk about (OK, brag) about all the trips we’ve taken. We can’t stop travelling and we won’t stop travelling – it’s our passion.