Choose the plan that suits you best
Cover-More makes it easy for you to find the travel insurance policy that's best for your trip. We offer a wide variety of cover and customisation options. Compare our plans, and select the policy that best suits you and your budget. Buy online today, or give us a call at 0800 500 225. We look forward to providing you with great cover and 24 hour emergency assistance.
Our Plans
Options
Cover-More's Options plan gives you our most comprehensive travel insurance cover and the highest level of benefits. The comprehensive policy includes unlimited cover for emergency medical and dental expenses, as well as tailored cancellation cover, protection in case of loss or theft of luggage and travel documents, and much more. Choose Options, the comprehensive cover for your trip, for maximum peace of mind. Read more.
| All Benefits: | |
|---|---|
| Medical and Dental Expenses
If you suffer an injury, sickness, disease or require emergency dental treatment. |
$ Unlimited* 1 |
| Additional Expenses
Additional expenses for accommodation or transport as a result of certain events. |
$ Unlimited** |
| Amendment or Cancellation Costs
If due to circumstances outside of your control you have to cancel or amend your journey. |
Cover Chosen^ |
| Luggage and Travel Documents
Lost, stolen or damaged luggage or personal effects. |
$25,000^^ |
| Cameras and Video Cameras
Cameras and Video Cameras |
$3,000 |
| Laptop Computers
Laptop Computers |
$3,000 |
| Other Items
If you make a claim under the luggage section the single item limit is the most we will pay for any one item, set or pair of items including attached or unattached accessories. |
$1,500 |
| Delayed Luggage Allowance
Delayed luggage by a transport provider for more than 24 hours during your trip. |
$1,500 |
| Money
Accidentally lost or stolen money from your person. |
$500 |
| Rental Car Insurance Excess
Cover for the excess you become liable to pay as a result of damage to, or theft of, a rental car. |
$10,000 |
| Travel Delay
Additional transport expenses if delayed for over 6 hours. |
$2,000 |
| Resumption of Journey
Cover to resume your overseas journey if you had to return to New Zealand due to ill health (your own or relative in New Zealand). |
$5,000 |
| Hospital Incidentals
Miscellaneous hospital expenses per night if hospitalised overseas for at least 48 hours. |
$8,000 |
| Hijacking
If a pre-booked aircraft or sea vessel in which you are travelling is hijacked. |
$8,000 |
| Loss of Income
If due to an injury sustained during your journey, you are unable to return to your work in New Zealand. |
$9,000 + |
| Disability
If due to an injury you sustain on your journey, you suffer total loss in one or both eyes or total loss of a limb. |
$15,000 + |
| Accidental Death
If you die due to an injury sustained during your journey. |
$15,000 + |
| Legal Expenses
Cover for your reasonable legal expenses if You are falsely arrested or wrongfully detained by any Government or Foreign Power |
$10,000 |
| Personal Liability
If as a result of your negligent act you become legally liable to pay compensation in respect to damage caused to someone else's property or the injury or death of someone else. |
$2,500,000 |
1For customers 70 years or over reduced maximum limits may apply. Limits will be shown on the Certificate of Insurance.
**Limits apply to subsections 2 and 6f.
^Cover chosen applies per policy.
^^Item limits apply.
+The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $15,000 on the International Plan I policy.
Essentials
Cover-More’s Essentials plan provides quality travel insurance but for an affordable price. Essentials travel insurance is popular with a variety of travellers who are on budget, such as students and backpackers. Get the most for your money with Cover-More’s budget cover which includes cover for overseas medical and dental expenses, trip cancellation protection, and much more. The Essentials plan is a low cost, but a great value. Read more.
| All Benefits: | |
|---|---|
| Medical and Dental Expenses
If you suffer an injury, sickness, disease or require emergency dental treatement. |
$7,500,000* |
| Additional Expenses
Additional expenses for accommodation or transport as a result of certain events. |
$750,000 |
| Amendment or Cancellation Costs
If due to circumstances outside of your control you have to cancel or amend your journey. |
Cover Chosen |
| Luggage and Travel Documents
Lost, stolen or damaged luggage or personal effects. |
$4,000 |
| Cameras and Video Cameras
Cameras and Video Cameras |
$750 |
| Laptop Computers
Laptop Computers |
$750 |
| Other Items
If you make a claim under the luggage section the single item limit is the most we will pay for any one item, set or pair of items including attached or unattached accessories. |
$750 |
| Delayed Luggage Allowance
Delayed luggage by a transport provider for more than 24 hours during your trip. |
$500 |
| Money
Accidentally lost or stolen money from your person. |
$250 |
| Travel Delay
Additional transport expenses if delayed for over 6 hours. |
$1,000 |
| Hijacking
If a pre-booked aircraft or sea vessel in which you are travelling is hijacked. |
$2,000 |
| Loss of Income
If due to an injury sustained during your journey, you are unable to return to your work in New Zealand. |
$4,500 ++ |
| Disability
If due to an injury you sustain on your journey, you suffer total loss in one or both eyes or total loss of a limb. |
$5,000 ++ |
| Accidental Death
If you die due to an injury sustained during your journey. |
$5,000 ++ |
| Personal Liability
If as a result of your negligent act you become legally liable to pay compensation in respect to damage caused to someone else's property or the injury or death of someone else. |
$2,500,000 |
++The maximum liability collectively for sections Loss of Income, Disability, and Accidental Death is $5,000 on the International Plan IE policy.
Cover that suits you best
Compare 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 money back guarantee~ so you can relax and enjoy your holiday.
We look forward to providing you with great cover and superior service.
Find the right cover for you.
Travel Cover: How to Compare Travel Insurance
Compare Travel Insurance plans
How to compare travel insurance policies
Choosing the right travel insurance is important, but comparing policies online can be confusing. To get through the lengthy policies, difficult wordings and long lists of what is and isn’t covered, Cover-More has 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.
Cover-More has 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 Cover-More Travel Insurance with excess.
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.
Cover-More Travel Insurance policies provide cover for many incidents and unexpected events that other insurers may not cover. For instance, our insurance plans can provide cover for injury sustained by terrorist attacks and more. It is important to compare policies to understand the extent of what is covered. Start your Cover-More Travel Insurance quote.
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.
Cover-More puts policyholders' health and safety first. We are committed to providing you with superior, round-the-clock service through World Travel Protection, Cover-More’s own medical assistance division with 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 have to cancel your trip. Get a quote for 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. Cover-More’s strength is in 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 A+ (strong) by Standard and Poor’s (Australia) Pty Ltd.
Protect your trip with travel insurance that will service its obligations to you. Compare Cover-More Travel Insurance plans for the peace of mind that comes with being covered by an A+ 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 Cover-More does. Cover-More has 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:
- Comprehensive Options Coverage—our most popular plan
- Essentials Coverage—affordable travel insurance that still offers great value
All of these plans can be adjusted with excess cover, cancellation cover, ski and winter sport cover and existing medical conditions cover so you can get a quote to identify the plan that fits your trip and your budget. Get a quote today.
