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Travel insurance that’s always by your side

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      Ready to fill your passport with memorable moments?

      Travel with more confidence... for less.
      Use promo code MOMENTS15 to unlock a 15% discount on travel insurance.

      I'm Ready To Save

      Your policy in your pocket... and more

      Register your trip in our app for access to your travel insurance policy details, as well as up-to-date travel advice, real-time safety alerts and 24/7 emergency assistance, all in the palm of your hand.

      Travel's back on - and we've got your back

      Feel in control by choosing the most suitable plan for you

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      Feel safer with 24/7 access to Emergency Assistance

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      Feel joy with 80+ adventure activities included

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      Feel confident with our 17+ years of travel expertise

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      Looking for the best travel insurance plan for your holiday?

      Whatever your travel budget, style or needs, let's travel the world together - safely.

      International
      Basic

      Essential cover designed for New Zealand travellers on a budget.

      Pre-trip cover if you're diagnosed with COVID-19

      On-trip cover if you're diagnosed with COVID-19^##

      Unlimited~ overseas emergency medical expenses^

      Up to $5,000 luggage cover

      Existing medical conditions cover available

      Optional cancellation cover

      Single Trip policies

      Annual Multi-Trip policies^

      Rental vehicle insurance excess

      International
      Comprehensive+

      Everything our Comprehensive Plan includes and more + some higher benefit limits.

      Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

      On-trip cover if you’re diagnosed with COVID-19 while travelling^##

      Unlimited~ overseas emergency medical expenses^

      Up to $30,000 luggage cover*

      Existing medical conditions cover available

      Optional cancellation cover with Cancellation Extensions

      Single Trip or Annual Multi-Trip^^ policies

      Rental vehicle comprehensive cover

      Business trip benefits

      International
      Basic

      Essential cover designed for New Zealand travellers on a budget.

      Pre-trip cover if you're diagnosed with COVID-19

      On-trip cover if you're diagnosed with COVID-19^##

      Unlimited~ overseas emergency medical expenses^

      Up to $5,000 luggage cover

      Existing medical conditions cover available

      Optional cancellation cover

      Single Trip policies

      Annual Multi-Trip policies^

      Rental vehicle insurance excess

      International
      Comprehensive+

      Everything our Comprehensive Plan includes and more + some higher benefit limits.

      Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

      On-trip cover if you’re diagnosed with COVID-19 while travelling^##

      Unlimited~ overseas emergency medical expenses^

      Up to $30,000 luggage cover*

      Existing medical conditions cover available

      Optional cancellation cover with Cancellation Extensions

      Single Trip or Annual Multi-Trip^^ policies

      Rental vehicle comprehensive cover

      Business trip benefits

      Compare Our Plans

      Searching for COVID-19 cover?

      To help you explore the world with more confidence, our travel insurance provides cover for COVID-19-related:

      Overseas medical costs*~#

      Amendment and cancellation costs*^

      Additional expenses*#^

      Find Out More

      *Limits, sub-limits, conditions, and exclusions apply.

      ~Medical cover will not exceed 12 months from onset.

      #Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

      Holiday hasn't  gone to plan?

      You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

      Make a Claim

      Get emergency support, fast. We're here 24/7.

      Contact Emergency Assistance

      When adventure awaits...
      we can help provide cover

      Cruise

      Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

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      Snow Sports

      Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

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      Adventure Activities

      Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

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      Motorcycle & Moped

      Want to take to the road on two wheels? See if our Motorcycle/Moped+ Cover option is right for your trip.

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      We're by your side when you need us most

      We've been protecting New Zealand travellers for over 17 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

      Mosquito bite in Bali

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

      star star star star star

      Hip fracture in Australia

      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."

      star star star star star

      Repatriation from Cook Island

      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."

      star star star star star

      Protect your trip with us - get a free travel insurance quote now.

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      How can we help you travel smarter?

      Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

      Finding cover for Existing Medical Conditions (EMCs)

      Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

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      We can help protect you while you cruise

      Hopping aboard a cruise ship on your next trip? Discover how our Cruise Cover could help safeguard you.

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      What you should know before you hit the slopes

      Planning a ski trip at home or abroad? Don't depart without considering our snow sports cover.

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      Got a question about travel insurance? We're here to help

      Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance can typically help protect against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

      Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

      The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

      At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

      • Area: higher risk areas cost more.
      • Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
      • Age: higher risk age groups cost more.
      • Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
      • Excess: on some policies you can choose the excess amount.
      • Cruise cover: additional premium applies.
      • Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
      • Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
      • Options to vary cover (where available): additional premium applies.

      While a cheaper policy cost upfront may seem appealing, always read the Policy Wording to ensure your needs are adequately covered should an incident occur.

      Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

      The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

      However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

      Always read the Policy Wording before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

      Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the Policy Wording before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

      For full details of the exclusions within our Cover-More travel insurance plans, consult the Policy Wording.

      The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.