IMPORTANT
airplanemode_active
calendar_month
calendar_month
calendar_month

    Home / Travel Insurance / Benefits of Travel Insurance

    Benefits of Travel Insurance

    Kayaking around Emerald Lake in Banff, Canada

    Discover how our benefits can help safeguard you and your travels

    When it comes to protecting your trip, travel insurance needs to provide cover in more ways than one. Why? On the same trip you could lose your bag, sprain your ankle, or miss a flight – and that’s just in the first 24 hours.

    That’s why our Cover-More travel insurance plans are packed with useful benefits that may help support you when the unexpected occurs.

    From cover for unforeseen overseas medical emergencies and repatriation costs to certain COVID-19 scenarios and lost luggage, our plans can protect you from a variety of out-of-pocket expenses.

    But the benefits of travel insurance don’t end there.

    Below, you’ll find our most popular travel insurance benefits and more, so you can learn how to get the most out of your Cover-More travel insurance policy.

     

    Ready to protect your trip?

     
     
     

    Looking for something in particular? Skip ahead to find:

    Popular benefits of travel insurance

    overseas medical expenses icon

    Overseas Medical & Emergency Dental Expenses

    Cover for unexpected medical and emergency dental expenses overseas if you get sick or injured.

    Find out more

    face mask icon

    COVID-19 Benefits

    Protect your trip against several COVID-19 scenarios 

    Find out more

    additional expenses rescue helicopter icon

    Additional Expenses Cover

    Benefit to protect you from unforeseen additional expenses incurred during your travels.

    Find out more

    travel cancellation icon

    Amendment & Cancellation Costs

    Choose your level of protection in case of trip cancellation due to a coverable reason.

    Find out more

    luggage icon

    Luggage & Documents Insurance

    Cover if your travel documents or luggage is lost, stolen, or damaged on holiday.

    Find out more

    delayed luggage icon

    Delayed Luggage Cover

    Get an allowance if all your luggage is delayed overseas for more than 12 hours on your journey.

    Find out more

    money and wallet icon

    Money Cover

    Cover for money up to the benefit limit if it accidentally gets lost or stolen while on you or stolen from a locked safe or safety deposit box.

    Find out more

    rental car insurance excess icon

    Rental Vehicle Insurance Excess

    Cover for when you are liable to pay the insurance excess if your rental vehicle is damaged or stolen.

    Find out more

    travel delay icon

    Travel Delays

    Benefit for additional accommodation expenses if your pre-booked transport is delayed for at least 6 hours.

    Find out more

    resumption of journey icon

    Resumption of Journey

    Benefit to help you continue with your trip after having to unexpectedly return home because of the health of a non-travelling relative or business partner.

    Find out more

    special events insurance icon

    Special Events Insurance

    Cover for additional expenses if you're delayed during transit and need to arrive on time for a special event.

    Find out more

    hospital incidentals icon

    Hospital Incidentals

    Cover for incidental costs incurred during your hospital stay overseas if your stay is over 48 hours.

    Find out more

    hijacking icon

    Hijacking Cover

    Cover if your overseas public transport is hijacked and you’re forcibly detained by the hijackers.

    Find out more

    loss of income icon

    Loss of Income Cover

    Cover for income loss if you suffer an injury or illness while travelling and can't return to work.

    Find out more

    disability icon

    Cover for Disability

    Cover for total loss of sight or use of a limb that occurs due to an accident on your trip.

    Find out more

    accidental death icon

    Accidental Death Cover

    Benefit to your estate if you suffer an injury on your trip resulting in your death.

    Find out more

    personal liability icon

    Personal Liability Cover

    Protection if you're unintentionally legally liable to pay compensation for property damage, injury, or death to someone else.

    Find out more

    inbound australia medical expenses icon

    Medical & Dental Expenses in New Zealand

    Cover for unforeseen medical and dental expenses for non-residents visiting New Zealand on our Inbound Plan.

    Find out more

    The above section is a summary of the benefits available on some Cover-More plans. You should always read the Policy Wording as limits, sub-limits, conditions, and exclusions apply.

    Is travel insurance worth it?

    While you never hope to need it, travel insurance can help offer assistance if things go wrong while you travel overseas or within New Zealand. Your policy could end up saving you tens of thousands of dollars if the worst were to happen, which helps make your travel insurance worth it.

    Unforeseen illnesses, natural disasters and accidents can derail a well-planned holiday at any moment. It’s important to consider a travel insurance policy that can protect you from the financial burden if something unfortunate happens.

    Do I need travel insurance?

    According to Safe Travel NZ, the short answer is yes. Things might not go to plan while you’re travelling, unforeseen expenses can quickly add up while you’re overseas, and nothing will dampen a holiday faster than out-of-pocket bills.

    One of the most important benefits of comprehensive travel insurance is that it can help protect your financial future against unexpected expenses that arise. Remember the New Zealand Government will not assist in paying for your medical bills overseas. If you don't have travel insurance, you and your family may have to carry the cost.

    When you purchase a policy with us at Cover-More, you have access to our 24/7 Emergency Assistance team in case something goes wrong on your holiday.

    We can also safeguard you against a range of problems including lost or stolen luggage, travel delays, trip cancellation and more so you can focus on travelling more and worrying less.

    Can I vary my Cover-More travel insurance to suit my trip?

    Absolutely! We know each traveller and each trip is different, so we offer several additional options for you to vary your cover. From Snow Sports Cover and Adventure Activities Cover to Motorcycle/Moped+ Riding Cover, you can include one or more optional upgrades to suit your travel plans. You can also choose to add trip cancellation cover or to increase your luggage item limits with a Cover-More travel insurance policy.

    What should I know before buying travel insurance?

    Before you compare plans and get a quote, we recommend you:

    • Finalise your travel dates and destinations.    
      You’ll need to know your trip details, such as where you’re going and how long you’ll be away for, so you can arrange a travel insurance policy that protects your whole trip.
    • Read the relevant Policy Wording.    
      Get to know the travel insurance plan you’re considering buying so you can make an informed decision. Familiarise yourself with any terms, conditions and exclusions that are listed in the Policy Wording to avoid disappointment.
    • Ask questions.    
      Chat to our friendly customer service team if you have any questions about what our policy does – and does not – cover. 
    • Get a quote for travel insurance and compare plans.    
      Generate a travel insurance quote online and see what options are available to you based on your travel plans.

    Once you’ve arranged travel insurance to protect your trip, you can start counting down the days until your departure!

    Where can I learn more about Cover-More travel insurance?

    Have a look around our website if you’d like more details about our travel insurance coverage. It’s also important to read the relevant Policy Wording so you’re aware what is – and is not – covered by the policy.

    If you have any questions and would like to speak to someone, give our customer service team a call on (0800) 500 225.

     

    Want to insure your next trip?

    Find out how we can help protect your travels.