Home / Travel Insurance / Compare Travel Insurance

Compare Our Travel Insurance Plans

At Cover-More, we make it easy for you to find the travel insurance policy that's best for your trip. We offer a variety of plans and options to vary your cover to help you travel with extra peace of mind. You can compare our plans below and – if you find a suitable plan for you and your budget – you can buy a policy online today or give us a call at 0800 500 225 to speak to our friendly team.

Our Plans

Options Plan

OptionsOur Options Plan is our premium travel insurance cover for domestic and international trips, providing you with our highest benefit levels. This plan includes unlimited~ cover for overseas emergency medical and dental expenses, as well as optional cancellation cover, protection in case of loss or theft of luggage and travel documents, and much more. Read more.

Featured Benefits

  • travel delayTravel Delay
  • expensesAdditional Expenses
  • rental car excessRental Car
Key International Benefits:
COVID-19 Limited cover.
Find out more.
Overseas Medical Expenses $Unlimited*
Additional Expenses $Unlimited**
Amendment or Cancellation Costs $Cover Chosen^
Luggage and Travel Documents $25,000^^
Cameras and Video Cameras $3,000
Laptop Computers $3,000
Other Items $1,500
Delayed Luggage Allowance $1,500
Money $500
Rental Vehicle Insurance Excess $10,000
Travel Delay $2,000
Resumption of Journey $5,000
Hospital Incidentals $8,000
Hijacking $8,000
Loss of Income $9,000 +
Disability $25,000 +
Accidental Death $25,000 +
Legal Expenses $10,000
Personal Liability $2,500,000
For full details of terms and conditions, sub limits and exclusions that apply, please read the Policy Wording for our Options Plan Travel Insurance before purchasing this insurance product. 
*Cover will not exceed 12 months from onset of the illness, condition, or injury.
**Limits apply. 
^Cover chosen applies per person.
^^Item limits apply for any one item, set or pair of items including attached and unattached accessories.
+The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $25,000 on an International Options Plan policy.
 

Essentials Plan

Essentials Our Essentials Plan is popular with a variety of travellers looking for a budget-friendly international travel insurance option, such as students and backpackers. It includes unlimited~ cover for overseas medical expenses, emergency dental expenses, optional trip cancellation protection, luggage and travel documents, and more. Read more.

Featured Benefits

  • medical/dentalMedical & Dental
  • expensesAdditional Expenses
  • luggageLuggage
Key International Benefits:
COVID-19 $Nil
Find out more.
Overseas Medical Expenses $Unlimited*
Additional Expenses $Unlimited**
Amendment or Cancellation Costs $Cover Chosen^
Luggage and Travel Documents $4,000^^
Cameras and Video Cameras $750
Laptop Computers $750
Other Items $750
Delayed Luggage Allowance $600
Money $250
Travel Delay $1,000
Hijacking $2,000
Loss of Income $4,500 ++
Disability $5,000 ++
Accidental Death $5,000 ++
Personal Liability $2,500,000
For full details of terms and conditions, sub limits and exclusions that apply, please read the Policy Wording for our Essentials Plan Travel Insurance before purchasing this insurance product.
*Cover will not exceed 12 months from onset of the illness, condition, or injury.
**Limits apply. 
^Cover chosen applies per policy.
^^Item limits apply for any one item, set or pair of items including attached and unattached accessories.
++The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $5,000 on an International Essentials Plan policy.
 

Cover that suits you best

Compare our 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 cooling-off period~ so you can relax and enjoy your holiday.

We look forward to providing you with great cover and superior service.

~Cooling-off period is available if you cancel your policy within 21 calendar days of the purchase date provided you have not travelled or made a claim on your policy. 

Find the right cover for you.

Get Quote

Travel Cover: How to Compare Travel Insurance

Compare

How to compare travel insurance policies

Choosing the right travel insurance is important, but comparing policies online can sometimes be confusing. To get through the lengthy policies, difficult wordings and long lists of what is and isn’t covered, we have a few tips to help make the process easier. Be sure to check the items below as you compare travel insurance plans.

Policy Excess

The word ‘excess’ is commonly thrown around when discussing travel insurance. Excess is the first amount of a claim that is not covered. The levels of excess can vary by insurer and by their policies offered, so make sure you compare the different levels.

To understand how excess works, imagine you lost your new iPad while travelling. Your travel insurance policy has a level of excess on personal electronics of $250, but the iPad is worth $450. Therefore, with this plan, you would only receive partial compensation for your lost iPad—the iPad’s current value of $450 less the excess of $250.

At Cover-More, we have a variety of international travel insurance plans that allow you to choose an excess level that works for your budget. Remember, the higher the excess chosen, the less you pay for your policy premium. Get a quote for our Cover-More Travel Insurance with your chosen level of excess now. 

Exclusions

What is not covered in your travel insurance policy is just as important as what is covered by your plan, so be sure to compare exclusions.

Our Cover-More Travel Insurance policies provide cover for many incidents and unexpected events that other insurers may not cover. So, it is important to compare policies to understand the extent of what is covered. Start your Cover-More Travel Insurance quote now.

Emergency Assistance

Emergency medical assistance is an essential service for any holiday. It allows you to travel with the peace of mind of knowing you have resources at your disposal in case you are injured or fall ill during your trip. However, many travel insurance companies outsource medical assistance to third parties, adding delay and unnecessary stress in times of emergency.

At Cover-More, we put our policyholders' health and safety first. We are committed to providing you with superior, round-the-clock service through World Travel Protection, our own medical and travel assistance division with over 30 years of experience.

All of our policyholders receive round-the-clock emergency medical assistance, no matter what plan you choose. Get a quote today.

Travel Cancellation Policies

Unfortunately, sometimes a holiday must be cancelled for unforeseen reasons such as personal or family illness, in which case lost deposits, costs of prepaid flights and cancellation fees only add to the feeling of misfortune.

When comparing travel insurance plans, be sure to check the policy’s cancellation cover so you are not left with exorbitant expenses in case you must cancel your trip. Get a quote for our Cover-More travel insurance with cancellation coverage today.

Travel Insurance Company Ratings

Be sure to research and compare travel insurer ratings. A company’s ratings are often indicative of their financial strength, meaning their ability to pay insurance claims quickly and efficiently. Our financial strength is thanks to Zurich Australian Insurance Limited trading as Zurich New Zealand (Zurich New Zealand), incorporated in Australia. Part of the Zurich Insurance Group, Zurich New Zealand holds a financial strength rating of AA- (strong) by Standard and Poor’s (Australia) Pty Ltd. (This is correct at the time of writing: April 2022.)

Protect your trip with travel insurance that will service its obligations to you. Compare our Cover-More Travel Insurance plans for the peace of mind that comes with being covered by an AA- insurer. Get your quote now.

Travel Insurance Benefits

Most importantly, compare travel insurance plans to get a better idea of the benefits offered in each plan. Many travel insurance companies do not provide the variety of levels of cover like we at Cover-More do. We have several different plans and options so you can find a policy that matches your needs and your budget. Get a quote for your trip and compare the benefits available on our plans:

All our travel insurance plans can be adjusted with excess cover, cancellation cover, ski and winter sports cover, and existing medical conditions coverGet a quote today to see if one of our Cover-More plans is suitable for your trip.