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Choose the plan that suits you best

Cover-More makes it easy for you to find the travel insurance policy that's best for your trip. We offer a wide variety of cover and customisation options. Compare our plans, and select the policy that best suits you and your budget. Buy online today, or give us a call at 0800 500 225. We look forward to providing you with great cover and 24 hour emergency assistance.

Our Plans

Options

OptionsCover-More's Options plan gives you our most comprehensive travel insurance cover and the highest level of benefits. The comprehensive policy includes unlimited cover for emergency medical and dental expenses, as well as tailored cancellation cover, protection in case of loss or theft of luggage and travel documents, and much more. Choose Options, the comprehensive cover for your trip, for maximum peace of mind. Read more.

Featured Benefits

  • travel delayTravel Delay
  • expensesAdditional Expenses
  • rental car excessRental Car
All Benefits:
Medical and Dental Expenses $ Unlimited* 1
Additional Expenses $ Unlimited**
Amendment or Cancellation Costs Cover Chosen^
Luggage and Travel Documents $25,000^^
Cameras and Video Cameras $3,000
Laptop Computers $3,000
Other Items $1,500
Delayed Luggage Allowance $1,500
Money $500
Rental Car Insurance Excess $10,000
Travel Delay $2,000
Resumption of Journey $5,000
Hospital Incidentals $8,000
Hijacking $8,000
Loss of Income $9,000 +
Disability $15,000 +
Accidental Death $15,000 +
Legal Expenses $10,000
Personal Liability $2,500,000
For full details of terms and conditions, sub limits and exclusions that apply, please read the Policy Wording for Options Travel Insurance (available from us) before purchasing this insurance product.
*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.
1For customers 70 years or over reduced maximum limits may apply. Limits will be shown on the Certificate of Insurance.
**Limits apply to subsections 2 and 6f.
^Cover chosen applies per policy.
^^Item limits apply.
+The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $15,000 on the International Plan I policy.

Essentials

Essentials Cover-More’s Essentials plan provides quality travel insurance but for an affordable price. Essentials travel insurance is popular with a variety of travellers who are on budget, such as students and backpackers. Get the most for your money with Cover-More’s budget cover which includes cover for overseas medical and dental expenses, trip cancellation protection, and much more. The Essentials plan is a low cost, but a great value. Read more.

Featured Benefits

  • medical/dentalMedical & Dental
  • expensesAdditional Expenses
  • luggageLuggage
All Benefits:
Medical and Dental Expenses $7,500,000*
Additional Expenses $750,000
Amendment or Cancellation Costs Cover Chosen
Luggage and Travel Documents $4,000
Cameras and Video Cameras $750
Laptop Computers $750
Other Items $750
Delayed Luggage Allowance $500
Money $250
Travel Delay $1,000
Hijacking $2,000
Loss of Income $4,500 ++
Disability $5,000 ++
Accidental Death $5,000 ++
Personal Liability $2,500,000
For full details of terms and conditions, sub limits and exclusions that apply, please read the Policy Wording for Essentials Travel Insurance (available from us) before purchasing this insurance product.
*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.
++The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $5,000 on the International Plan IE policy.

Cover that suits you best

Compare Cover-More’s Travel Insurance plans to find the policy that’s best for your trip and your budget.

No matter what Cover-More travel insurance plan you choose, every policyholder has access to our 24/7 emergency assistance team and money back guarantee~ so you can relax and enjoy your holiday.

We look forward to providing you with great cover and superior service.

~Money back guarantee available if you cancel your policy within 15 business days provided you have not travelled or made a claim on your policy.

Find the right cover for you.

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Travel Cover: How to Compare Travel Insurance

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Compare Travel Insurance plans

How to compare travel insurance policies

Choosing the right travel insurance is important, but comparing policies online can be confusing. To get through the lengthy policies, difficult wordings and long lists of what is and isn’t covered, Cover-More has a few tips to help make the process easier. Be sure to check the items below as you compare travel insurance plans.

Policy Excess

The word ‘excess’ is commonly thrown around when discussing travel insurance. Excess is the first amount of a claim that is not covered. The levels of excess can vary by insurer and by their policies offered, so make sure you compare the different levels.

To understand how excess works, imagine you lost your new iPad while travelling. Your travel insurance policy has a level of excess on personal electronics of $250, but the iPad is worth $450. Therefore, with this plan, you would only receive partial compensation for your lost iPad—the iPad’s current value of $450 less the excess of $250.

Cover-More has a variety of international travel insurance plans that allow you to choose an excess level that works for your budget. Remember, the higher the excess chosen, the less you pay for your policy premium. Get a quote for Cover-More Travel Insurance with excess.

Exclusions

What is not covered in your travel insurance policy is just as important as what is covered by your plan, so be sure to compare exclusions.

Cover-More Travel Insurance policies provide cover for many incidents and unexpected events that other insurers may not cover. For instance, our insurance plans offer cover for injury sustained by terrorist attacks, civil unrest, natural disasters and redundancy and more. It is important to compare policies to understand the extent of what is covered. Start your Cover-More Travel Insurance quote.

Emergency Assistance

Emergency medical assistance is an essential service for any holiday. It allows you to travel with the peace of mind of knowing you have resources at your disposal in case you are injured or fall ill during your trip. However, many travel insurance companies outsource medical assistance to third parties, adding delay and unnecessary stress in times of emergency.

Cover-More puts policyholders' health and safety first. We are committed to providing you with superior, round-the-clock service through CustomerCare, Cover-More’s own medical assistance division with 30 years of experience.

All of our policyholders receive round-the-clock emergency medical assistance, no matter what plan you choose. Get a quote today.

Travel Cancellation Policies

Unfortunately, sometimes a holiday must be cancelled for unforeseen reasons such as personal or family illness, in which case lost deposits, costs of prepaid flights and cancellation fees only add to the feeling of misfortune.

When comparing travel insurance plans, be sure to check the policy’s cancellation cover so you are not left with exorbitant expenses in case you have to cancel your trip. Get a quote for Cover-More travel insurance with cancellation coverage today.

Travel Insurance Company Ratings

Be sure to research and compare travel insurer ratings. A company’s ratings are often indicative of their financial strength, meaning their ability to pay insurance claims quickly and efficiently. Cover-More’s strength is in thanks to Zurich Australian Insurance Limited trading as Zurich New Zealand (Zurich New Zealand), incorporated in Australia. Part of the Zurich Insurance Group, Zurich New Zealand holds a financial strength rating of A+ (strong) by Standard and Poor’s (Australia) Pty Ltd.

Protect your trip with travel insurance that will service its obligations to you. Compare Cover-More Travel Insurance plans for the peace of mind that comes with being covered by an A+ insurer. Get your quote now.

Travel Insurance Benefits

Most importantly, compare travel insurance plans to get a better idea of the benefits offered in each plan. Many travel insurance companies do not provide the variety of levels of cover like Cover-More does. Cover-More has several different plans and options so you can find a policy that matches your needs and your budget. Get a quote for your trip and compare the benefits:

All of these plans can be adjusted with excess cover, cancellation cover, ski and winter sport cover and existing medical conditions cover so you can get a quote to identify the plan that fits your trip and your budget. Get a quote today.