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Domestic Travel Insurance FAQs

It is great to see you want to protect your domestic trip. Things can go wrong as easily in Dunedin as they can in Dubai. To help you out, we have put together questions that are frequently asked about domestic travel insurance. Visit our Domestic travel insurance page for more useful information about coverage options.

Do I need travel insurance in New Zealand?

Mishaps and events outside of your control can happen as easily in New Zealand as they can while you are on holidays overseas. You can get cover for luggage and travel documents, rental car insurance excess, additional expenses, and amendment or cancellation costs.

What is my excess for the Domestic plan?

A $25 excess applies to the Domestic Plan and the Domestic Cancellation Plan. You are not able to change this amount. An excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event.

Is there any cover for medical expenses in New Zealand?

Yes. Our Domestic policy can offer cover for unexpected medical and dental expenses up to $1,500. Treatment must be provided in New Zealand. Cover only applies up to 12 months from when you first suffered a disabling injury, disease or sickness. Routine visits, check-ups and continuation of treatments are not covered. This is because travel insurance is designed to protect you from unforeseen events.

If I need unexpected medical treatment while on a domestic cruise, am I covered? 

Yes. We can cover the unforeseen medical treatment that is provided to you whilst on a ship (including cruise ship, passenger ship or passenger ferry). All of the Cover-More NZ policies have cruise cover automatically included.

What is the difference between policies for Domestic travel insurance?

Each of the policy types vary in price because the coverage options are different. To help you choose the plan that best suits your budget and travel needs, have a read of our Policy Wording.

Our Domestic Plan can protect against expenses arising from incidents like lost luggage, cancellation and rental car insurance excess. You are covered for the duration of your selected travel dates. The Domestic Plan D is the most comprehensive coverage available for trips within New Zealand.

As for the Domestic Cancellation Plan, cover can be provided for costs incurred if you unexpectedly need to cancel your trip. These expenses may include pre-booked tours, flights or non-refundable deposits. Keep in mind that cover will only apply if your reason for cancellation falls within the terms and conditions of the Policy Wording.

Do I have to be a certain distance from home?

Yes. For your Domestic policy coverage to apply, you need to be 250 km from your home in New Zealand. This applies to both Single Trip and Annual Multi-Trip plans.

What is a Domestic AMT and how does it work?

If you are a frequent traveller then you may want to consider a Domestic Annual Multi-Trip (AMT) policy. This option provides coverage for an unlimited number of domestic journeys within a 12-month period. Each individual trip must be more than 250 km from your home and cannot exceed 30 days in duration.

To purchase a Domestic AMT plan online, enter the dates of your first trip into our quote box to generate a free quote. You will then be able to view the price of an AMT policy as well as the cost of a Single Trip plan. Please note that you do not need to enter a 12-month date range into the quote box to get a price for an AMT policy. If you require assistance with setting up a policy, please call our customer service team on (0800) 500 225. 

What is the age limit for Domestic travel insurance?

You can purchase a domestic travel insurance plan online if you are 99 years old or younger. If you are older than that, give us a call on (0800) 500 225 and our team will see what coverage is available to you. Keep in mind that reduced limits may apply for customers 70 years of age or over at the relevant time. Limits are shown on the Certificate of Insurance.

If you would like to discuss your coverage options for your trip within New Zealand, give our customer service team a call on (0800) 500 225. Make sure you also read the Policy Wording.