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Travel Insurance for New Zealanders

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Why do I need travel insurance?

If you can afford to travel, can you afford to leave the house without travel insurance? We know you don’t plan for things to go wrong while you’re away, but if they do, travel insurance can help protect you against unexpected incidents and expenses.

From lost passports and hotel cancellations to emergency medical treatment and repatriation, our Cover-More travel insurance may be able to help equip you with expert assistance when you need it most.


What travel insurance plans do you offer?

Travel insurance can be confusing, so at Cover-More, we aim to make it simple for you to choose the travel insurance policy that's best for you and your trip. Choose from our two quality travel insurance plans, which can be customised to suit your travel needs and budget.

Options Plan

This is our comprehensive travel insurance cover, which includes a variety of benefits with higher benefit levels.

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Essentials Plan

This is our more affordable travel insurance, which is ideal for budget travellers like students and backpackers.

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What can travel insurance cover?

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Existing Medical Conditions

Over 35 pre-existing conditions covered as standard*

medical chart
Medical Expenses

Medical and dental expenses incurred overseas*

Emergency Assistance

Access to our global network of 24/7 emergency assistance

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Cancellation Cover

Cancel or amend your trip before you depart*

Luggage & Documents

Protect your valuables from loss, theft or damage*

Personal Liability

Defend yourself against injury or damage to others’ property*

Winter Sports

Medical help on the slopes should an incident occur*

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Sports & Activities

Cover for a number of popular sporting and holiday activities*

Rental Vehicle Excess

Cover the excess amount of your hire vehicle in case of an accident*


As a Cover-More customer, you will have access to our 24/7 emergency assistance team should things go wrong during your trip. Plus, we have a range of options to vary your cover, for you to consider depending on the activties you have planned for your trip.


When should my cover start and finish?

If you only want to insure a single trip, simply use your departure and return date when requesting your travel insurance quote. Frequent traveller? Protect your trips for a whole year by selecting an annual multi-trip travel insurance policy, as it may save you time and money.  

Single Trip

Comprehensive travel insurance
for one-off journeys

Annual Multi-Trip

Convenient coverage for all your
journeys in the coming year


Which countries can I travel to?

At Cover-More, we offer cover for journeys to a vast array of countries - all you need to do is pick where you want to go and enter it into the “destination” field when generating a quote.

For inspiration on which location to discover next, check out our blog

Tip: When deciding on where to travel, we recommend visiting the New Zealand Government's Safe Travel website to see current travel advisories in place for all destinations.


Why should I choose Cover-More travel insurance?

With over 35 years’ experience protecting the international and domestic adventures of over 15 million travellers worldwide, we know how to protect New Zealanders at home and overseas.


"Excellent cover at a very realistic price. I was pleasantly surprised that Cover-More was able to cover all my pre-existing conditions." - Desmond via feefo.com


Visit our About Us page for more reasons to consider protecting your travels with Cover-More.


*For details on exactly what’s covered by our Options Plan and Essentials Plan, please read the individual Policy Wording documents.