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Travel Cover: Essentials Plan

IMPORTANT: Our Essentials Plan does not contain COVID-19 benefits. If you're looking for travel insurance with some COVID-19 Benefits, please consider our Options Plan.

Essentials Plan: Our Economical Travel Insurance


A budget-friendly travel insurance option for New Zealanders

If you’re looking for a more affordable travel insurance option, our Essentials Plan may be suitable for you. It provides budget-friendly travel insurance cover for overseas travel.

Our Essentials Plan provides cover for:

  • overseas medical and emergency dental expenses
  • lost, stolen or damaged luggage and travel documents
  • delayed luggage
  • personal liability
  • travel delay

…and more.

For the entire list of benefits and benefit limits, read the Policy Wording. (Please note our budget-friendly Essentials Plan does not contain COVID-19 cover.)

Plus, you can tailor your cover by choosing the amount of amendment or cancellation costs that suits you.

Most importantly, our Essentials Plan gives you access to our 24/7 Emergency Assistance team. This means you can opt for our more affordable travel insurance option whilst travelling without compromising on expert care.

Our Essentials Plan is popular with a variety of travellers who are on a budget, including:

  • students
  • backpackers
  • individuals travelling on overseas working holidays

It could also be a suitable plan if you don't need rental vehicle excess cover, or if you're not taking expensive items on your journey.

For more information before considering if this product is right for you, please read the Essentials Plan Policy Wording.

Ready to buy? Get a quote for our cheapest travel insurance now.

Looking for more comprehensive cover with COVID-19 benefits? Compare the benefits of our Options Plan travel insurance to see if it’s a better option for your next trip.

Discover Our COVID-19 Cover

We offer limited COVID-19 benefits for travellers who purchase Options Plan policies online via covermore.co.nz and Your Cover Plan policies via phone on (0800) 500 225.
To find out what our current* benefits do – and don’t – cover, please read:

*The cover information contained on the above pages refers to Cover-More Options Plan policies only sold on or after 27 July 2022. For cover information on policies sold prior to this date, please read the relevant Policy Wording.