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      Comprehensive Travel Insurance

      Multi-generational family with comprehensive travel insurance enjoying a hike

      Source: Getty

      Discover the benefits of protecting your overseas trip

      Are you looking for comprehensive travel insurance for your international trip?

      Our Cover-More comprehensive international travel insurance plans include an array of important benefits to help protect your trip from unexpected mishaps, including cover for:

      .....and much more.

      Plus, every Cover-More travel insurance policyholder gets access to our 24-hour global Emergency Assistance team, who are there to help whenever – and wherever – you need it.

      Ready to get a quote? You can compare our two international comprehensive travel insurance plans to help choose right the level of coverage for you.

      Want to know more about our Cover-More comprehensive travel insurance? Keep reading.

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      What is comprehensive travel insurance?

      Comprehensive travel insurance helps protect travellers with a broad range of benefits while they’re away from home. In comparison to a base-level, budget-friendly travel insurance plan, it often includes more benefits and higher benefit levels to help safeguard travellers from a wider range of incidents.

      Beyond the usual benefits of emergency overseas medical expenses and luggage, comprehensive travel insurance plans can include coverage for travel provider insolvency, rental vehicle insurance excess, lost or stolen money, missed connections, hijacking, disability, accidental death, and much more.

      What does Cover-More’s comprehensive travel insurance include?

      We offer travellers two different plans – International Comprehensive+ and International Comprehensive – so you can choose the best comprehensive travel insurance for you and your trip abroad.

      You can compare our plan benefits and maximum benefit limits below:

      BenefitInternational Comprehensive   
      (Single Trip or Annual Multi-Trip)
      International Comprehensive+   
      (Single Trip or Annual Multi-Trip)
      Limited cover applies. Compare our international COVID-19 cover here.
      Overseas Medical and Dental Expenses
      Overseas medical expenses$Unlimited~$Unlimited~
      Overseas emergency dental expenses$3,000$3,000~
      Additional Expenses*$Unlimited$Unlimited
      Return of mortal remains$50,000$60,000
      Pet cat or dog boarding*$300$300
      Travel Services Provider Insolvency$5,000$10,000
      Amendment or Cancellation Costs*$Cover chosen^$Cover chosen^
      Cancellation Extensions
      Upgrade: If your non-travelling relative or business partner becomes ill, injured, or dies
      Upgrade: If there are complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy)^^
      An act of terrorism
      If your pet cat or dog becomes ill or injured or dies
      Wedding-related cancellation
      Dissolution of your relationship with your spouse or de facto
      Luggage and Travel Documents*$20,000$30,000
      Phone or smart watch - limit per item•$1,500$2,500
      Camera or video camera - limit per item•$4,000$6,000
      Laptop computer - limit per item•$4,000$5,000
      Tablet computer - limit per item•$3,000$3,000
      Drone (with or without camera) - limit per item•$1,500$2,000
      Artificial limb, removable dental appliance, dentures or medical device e.g., hearing aids, CPAP machine - limit per item•$1,500$2,000
      Jewellery or watch or any other item - limit per item•$1,500$2,000
      Delayed Luggage Allowance*$1,100$2,000
      Driving Holidays
      Rental vehicle insurance excess$5,000$10,000
      Rental vehicle comprehensive coverX
      Travel Delay*$2,000$3,000
      Resumption of Journey$5,000$10,000
      Missed Connections$3,000$3,000
      Special Events$5,000$6,000
      Hospital Incidentals*$6,000$10,000
      Loss of Income*$30,000†$45,000†
      Accidental Death$25,000†$30,000†
      Legal Expenses$10,000$10,000
      Personal Liability$2,500,000$5,000,000
      Business Pack
      Business equipmentX$7,500
      Business equipment hireX$1,500
      Alternative staffX$15,000
      Business moneyX$2,000
      Kidnap and ransomX$250,000
      Cruise Cover
      See our Policy Wording for full details.
      Adventure Activities
      See our  Policy Wording for full details on included activities plus options to vary cover.
      Motorcycle/Moped Riding Cover
      See our Policy Wording for full details on options to vary cover.
      Snow Sports Cover
      See our Policy Wording for full details on options to vary cover.

      ~ Cover will not exceed 12 months from onset of the illness, condition or injury.   
      ^Cover chosen applies per policy.   
      ^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip.
      * Sub-limits apply.   
      • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these item limits.

      For full details of the terms, conditions, exclusions, limits, and sub-limits that apply, please read the Policy Wording before considering this comprehensive insurance product.

      To find out how much our comprehensive travel insurance costs, get a free quote online.

      Can I buy a comprehensive Single Trip or Annual Multi-Trip policy?

      Yes, our Cover-More comprehensive travel insurance plans are available to buy as either Single Trip or Annual Multi-Trip policies. This means we can provide quality cover for a one-off trip abroad, or multiple trips overseas (up to the maximum trip duration selected) during a 12-month period.

      If you’re a frequent traveller, consider our Cover-More annual travel insurance policy option as it could save you time and money.

      To compare the costs of our Single Trip and Annual Multi-Trip comprehensive travel insurance policies, get a quote now.

      Does Cover-More comprehensive travel insurance include cancellation cover?

      Our comprehensive travel insurance plans don’t automatically include cover for amendment or cancellation costs.

      Instead, we give our customers the freedom to add a level of cancellation cover during the quote process that best suits their travel plans.

      Typically, people look to choose an amount that will cover all prepaid travel tickets, hotels, tours, or other travel-related expenses for all travellers on the policy. The level of cover you choose will be the total amount of cover available under the cancellation benefit on a per policy basis.

      Please note: if you include Cover-More’s travel insurance cancellation cover in your policy, it will influence the premium you are charged.

      What other travel insurance plans does Cover-More offer?

      Don’t need a comprehensive travel insurance plan? We also have an International Basic travel insurance plan for those who want a basic level cover for a more budget-friendly price.

      Travelling within New Zealand? We have two comprehensive Domestic Plans, both of which are available on Single Trip and Annual Multi-Trip policies.

      If you need help finding a plan that works best for you, call our customer service team on (0800) 500 225.


      Ready to insure your trip?

      Let us help you travel more and worry less with comprehensive cover.