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
Our 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.
| Key International Benefits: | |
|---|---|
| COVID-19 | Limited cover. Find out more. |
| Overseas Medical Expenses
If you suffer an injury, sickness, disease or require emergency treatment. |
$Unlimited* |
| 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 Vehicle Insurance Excess
Cover for the excess you become liable to pay as a result of damage to, or theft of, a rental vehicle. |
$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. |
$25,000 + |
| Accidental Death
If you die due to an injury sustained during your journey. |
$25,000 + |
| 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 |
**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
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.
| Key International Benefits: | |
|---|---|
| COVID-19 | $Nil Find out more. |
| Overseas Medical Expenses
If you suffer an injury, sickness, disease or require emergency treatment. |
$Unlimited* |
| 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. |
$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. |
$600 |
| 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 |
**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.
Find the right cover for you.
Travel Cover: How to Compare Travel Insurance
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:
- Options Plan: our premium comprehensive plan
- Essentials Plan: our budget-friendly option
All our travel insurance plans can be adjusted with excess cover, cancellation cover, ski and winter sports cover, and existing medical conditions cover. Get a quote today to see if one of our Cover-More plans is suitable for your trip.
