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
Cover-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.
| All Benefits: | |
|---|---|
| Medical and Dental Expenses
If you suffer an injury, sickness, disease or require emergency dental treatement. |
$ Unlimited* 1 |
| Additional Expenses
Additional expenses for accommodation or transport as a result of certain events. |
$ Unlimited** |
| Amendment or Cancellation Costs
If due to circumstances outside of your control you have to cancel or amend your journey. |
Cover Chosen^ |
| Luggage and Travel Documents
Lost, stolen or damaged luggage or personal effects. |
$25,000^^ |
| Cameras and Video Cameras
Cameras and Video Cameras |
$3,000 |
| Laptop Computers
Laptop Computers |
$3,000 |
| Other Items
If you make a claim under the luggage section the single item limit is the most we will pay for any one item, set or pair of items including attached or unattached accessories. |
$1,500 |
| Delayed Luggage Allowance
Delayed luggage by a transport provider for more than 24 hours during your trip. |
$1,500 |
| Money
Accidentally lost or stolen money from your person. |
$500 |
| Rental Car Insurance Excess
Cover for the excess you become liable to pay as a result of damage to, or theft of, a rental car. |
$10,000 |
| Travel Delay
Additional transport expenses if delayed for over 6 hours. |
$2,000 |
| Resumption of Journey
Cover to resume your overseas journey if you had to return to New Zealand due to ill health (your own or relative in New Zealand). |
$5,000 |
| Hospital Incidentals
Miscellaneous hospital expenses per night if hospitalised overseas for at least 48hours. |
$8,000 |
| Hijacking
If a pre-booked aircraft or sea vessel in which you are travelling is hijacked. |
$8,000 |
| Loss of Income
If due to an injury sustained during your journey, you are unable to return to your work in New Zealand. |
$9,000 + |
| Disability
If due to an injury you sustain on your journey, you suffer total loss in one or both eyes or total loss of a limb. |
$15,000 + |
| Accidental Death
If you die due to an injury sustained during your journey. |
$15,000 + |
| Legal Expenses
Cover for your reasonable legal expenses if You are falsely arrested or wrongfully detained by any Government or Foreign Power |
$10,000 |
| Personal Liability
If as a result of your negligent act you become legally liable to pay compensation in respect to damage caused to someone else's property or the injury or death of someone else. |
$2,500,000 |
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
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.
| All Benefits: | |
|---|---|
| Medical and Dental Expenses
If you suffer an injury, sickness, disease or require emergency dental treatement. |
$7,500,000* |
| Additional Expenses
Additional expenses for accommodation or transport as a result of certain events. |
$750,000 |
| Amendment or Cancellation Costs
If due to circumstances outside of your control you have to cancel or amend your journey. |
Cover Chosen |
| Luggage and Travel Documents
Lost, stolen or damaged luggage or personal effects. |
$4,000 |
| Cameras and Video Cameras
Cameras and Video Cameras |
$750 |
| Laptop Computers
Laptop Computers |
$750 |
| Other Items
If you make a claim under the luggage section the single item limit is the most we will pay for any one item, set or pair of items including attached or unattached accessories. |
$750 |
| Delayed Luggage Allowance
Delayed luggage by a transport provider for more than 24 hours during your trip. |
$500 |
| Money
Accidentally lost or stolen money from your person. |
$250 |
| Travel Delay
Additional transport expenses if delayed for over 6 hours. |
$1,000 |
| Hijacking
If a pre-booked aircraft or sea vessel in which you are travelling is hijacked. |
$2,000 |
| Loss of Income
If due to an injury sustained during your journey, you are unable to return to your work in New Zealand. |
$4,500 ++ |
| Disability
If due to an injury you sustain on your journey, you suffer total loss in one or both eyes or total loss of a limb. |
$5,000 ++ |
| Accidental Death
If you die due to an injury sustained during your journey. |
$5,000 ++ |
| Personal Liability
If as a result of your negligent act you become legally liable to pay compensation in respect to damage caused to someone else's property or the injury or death of someone else. |
$2,500,000 |
++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.
