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

Options Plan: Our Comprehensive Travel Insurance

Comprehensive cover

Consider protecting your trip with our premium cover

Our Options Plan provides New Zealanders with our most comprehensive travel insurance cover and the highest level of benefits available online. It’s our most popular plans for travellers – no matter where their adventures take them. 

Our Options Plan travel insurance provides cover for:

  • COVID-19 (limited cover available)
  • overseas medical and emergency dental expenses
  • additional expenses
  • optional amendment or cancellation expenses
  • lost, stolen, or damaged luggage and valuables such as cameras and laptops
  • rental vehicle insurance excess
  • travel delay
  • personal liability
  • loss of income
  • several existing medical conditions

…plus much more, including access to 24-hour emergency assistance.

You can also choose to customise your policy with optional cover for activities like on-piste skiing or snowboarding with Snow Sports cover. (An additional premium applies.)

Read the Options Plan Policy Wording to understand the benefits, benefit limits and conditions of coverage before deciding if this is the right product for you. 

Looking for cheaper travel insurance or want more basic travel insurance cover? Consider our Essentials Plan

Ready to buy? Get a travel insurance quote now.


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.