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Home / Policy Wording Documents

Cover-More Policy Wording Documents

Read our Policy Wording documents to discover if our travel insurance is right for you

The information contained in the below Policy Wording documents will help you understand if we can provide appropriate travel insurance options for you and your travel needs.

Please download the relevant Cover-More travel insurance Policy Wording documents in PDF format for the plan/s you’re considering and read them carefully. This will help you make an informed decision about whether to buy a travel insurance policy from us. If you require further clarity, you can contact us to discuss further.

 

 

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Current policies:

Comprehensive+ (issued on or after 9pm NZST, 29 May 2024)

This is our most comprehensive travel insurance plan, available for both International and Domestic trips. It includes all our best travel insurance benefits and the highest coverage amounts, plus some COVID-19 benefits as well as options so you can vary your cover. Single Trip or Annual Multi-Trip policies are available on this plan. 

 

Comprehensive (issued on or after 9pm NZST, 29 May 2024)

This is our best travel insurance plan for travellers looking for a mid-tier policy that contains all the essential benefits you need, plus much more. This quality plan contains some COVID-19 benefits and allows you to include options to vary your cover depending on your trip type. It is available for both International and Domestic trips and can be purchased as a Single Trip or Annual Multi-Trip policy.

 

Basic (issued on or after 9pm NZST, 29 May 2024)

This is our base-level travel insurance plan for budget-conscious travellers who want cover for the absolute essentials only. It is available for International or Domestic trips and contains some COVID-19 benefits. It is available on a Single Trip policy only. 
 

Inbound (issued on or after 9pm NZST, 29 May 2024)

This is our comprehensive international plan designed for non-New Zealand residents who are travelling to and within New Zealand from an overseas destination. It includes some COVID-19 benefits and is available for a Single Trip policy only. your cover. Single Trip or Annual Multi-Trip policies are available on this plan. 

Business* Plan: Our plan for individual travellers (for policies purchased on or after 18 October 2023)

This is our quality travel insurance for business travellers up to 74 years of age who travel multiple times per year.

It covers business travellers for an unlimited number of trips more than 100km from home, throughout the year, and includes up to six weeks of leisure travel coverage per year.

It includes limited COVID-19 benefits.

This plan is available for purchase via our Customer Service team. It is not available to purchase online.

To get a quote, please complete the enrolment form in the policy wording document and email it to [email protected].

 

Policies issues between 18 October 2023 and up to 9pm NZST, 29 May 2024

Policies issued between 6 September 2023 and up to 9pm NZST, 29  May 2024

 

Policies issued between 9 September 2022 and 17 October 2023:

 

Policies issued between 27 July 2022 and 17 October 2023:

 

Policies issued between 27 July 2022 and 5 September 2023:

 

Policies issued between 26 April 2022 and 5 September 2023:

 

Policies issued between 27 July and 8 September 2022:

 

Policies issued between 27 April and 26 July 2022:

 

Policies issued between 9 February and 26 April 2022:

 

Policies issued between 9 December 2020 and 8 February 2022:

 

Policies issued between 27 October 2020 and 8 December 2020:

 

Policies issued between 10 September 2020 and 26 October 2020:

 

Policies issued between 1 June 2017 and 9 September 2020:

 

To obtain a copy of the Policy Wording for policies issued prior to 1 June 2017 – or to ask any general travel insurance cover questions – please contact our team on (0800) 500 225.

 

Ready to protect your journey?

Choose the best Cover-More travel insurance plan for you and your trip now.

 

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*Currently, our YourCover, Essentials (Phone), and Business Plans are only available through our agents or by calling our Customer Service on 0800 500 225.

Limits, sub-limits, conditions, and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. © 2023 Cover-More Ltd.