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Benefits of Travel Insurance

See how our Cover-More plan benefits can protect you on your travels

When it comes to protecting your trip, your travel insurance needs to cover you 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.

At Cover-More, our travel insurance plans contain benefits may provide you with access to emergency or financial assistance should you need it.

From unforeseen medical emergencies overseas, to repatriation costs and lost luggage, your Cover-More policy can protect you from a variety of out-of-pocket expenses.

The benefits don’t end there. Some of our travel insurance plans can also cover cancellation costs, personal liability, rental car insurance excess, loss of income, and more.

Get to know our travel insurance benefits inside out, so you can get the most out of your policy. See our most popular Cover-More benefits below and get a free quote online for travel insurance today.

Looking for something in particular? Skip ahead to find:

Popular travel insurance benefits

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COVID-19 Benefits

Our Options Plan has cover to help protect you from some unforeseen expenses related to COVID-19

See the COVID-19 Benefits page and Policy Wording

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Medical and Dental Expenses

Cover for unexpected medical and dental expenses if you get sick or injured on holiday

See the Policy Wording

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Additional Expenses Cover

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

See the Policy Wording

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Cancellation & Amendment Costs

Choose your level of protection in case you need to cancel or amend your trip because of a coverable reason

See the Policy Wording

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Luggage & Documents Insurance

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

See the Policy Wording

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Delayed Luggage Cover

Get a baggage allowance if all your luggage is delayed overseas for more than 24 hours on your journey

See the Policy Wording

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Money Cover

Cover for money up to the benefit limit if it accidentally gets lost or stolen whilst on your person

See the Policy Wording

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Rental Car Insurance Excess

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

See the Policy Wording

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Travel Delays Benefit

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

See the Policy Wording

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Resumption of Journey

Policy benefit to help you continue on with your trip after having to unexpectedly return home

See the Policy Wording

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Legal Expenses

Cover for reasonable legal expenses if you're falsely arrested or wrongfully detained by a government or foreign power

See the Policy Wording

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Hijacking Cover

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

See the Policy Wording

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Loss of Income Cover

Protect yourself from income loss if you suffer an injury whilst travelling and can't return to work

See the Policy Wording

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Cover for Disability

Cover for total loss of sight or use of a limb that occurs after you suffer an injury on your trip

See the Policy Wording

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Accidental Death Cover

Payment to your estate if you suffer an injury overseas resulting in your death

See the Policy Wording

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Personal Liability Cover

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

See the Policy Wording

The above section is a summary of the benefits available on some Cover-More policies. You should always read the Policy Wording as limits, sub-limits, conditions and exclusions apply to the cover. Coverage is determined when a claim is submitted for consideration.

Is travel insurance worth purchasing?

While you hope to never need it, travel insurance may provide financial assistancec if the worst were to happen.

Cover-More NZ customer Pieter racked up a claim cost of over $700,000, when he had a skydiving accident in the USA. Luckily, his policy covered these expenses so Pieter could focus on what mattered – recovering.

Could you afford to travel without travel insurance if this happened to you?

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

Do I need travel insurance for international trips?

According to the NZ Ministry of Foreign Affairs and Trade (MFAT), the short answer is yes. It is easy for things not to go to plan especially when travelling. Unforeseen expenses can quickly add up while you are overseas, and nothing will dampen a holiday faster than out-of-pocket bills.

Travel insurance 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 do not have travel insurance, you and your family will have to carry the cost.

When you purchase a policy with us, 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, amendment or cancellation costs, and much more. Consider getting a quote online to protect your next trip.

Can I tailor my travel insurance policy to suit my trip?

Each traveller, and each trip, is different – so we offer the option to vary the cover you can include on your travel insurance policy. From optional snow sports protection, to cancellation cover and increased luggage limits, you can change your policy to suit your travel plans.

What should I know before buying travel insurance?

  • 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 holiday.
  • Read the relevant Policy Wording.
    Get to know the travel insurance policy you’re planning to buy 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. You can reach us by calling (0800) 500 225.
  • Get a quote for travel insurance and compare plans.
    Input your trip details into the quote box to get a free travel insurance quote online and see what options are available to you.
  • Focus on your travels.
    Once you’ve arranged travel insurance to protect your trip, you can start counting down the days until your departure.

Where can I get more information about 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 your policy.

If you have any questions, give our Customer Service team a call on (0800) 500 225.

Get a quote online for travel insurance today.