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Inbound Travel Insurance FAQs

We have put together a list of commonly asked questions to help you decide if an Inbound policy is for you. Cover-More’s Inbound travel insurance is for non-New Zealand residents who are visiting New Zealand. This type of cover is available for travellers who are 69 years old or younger.

Your trip doesn't have to be limited to just New Zealand though! Provided the majority of your time is spent in New Zealand, your other destinations can be covered as well. This means we can protect you from the moment you step out of your front door until you return home.

Read more about our Inbound travel insurance.

What is Inbound travel insurance?

Cover-More’s Inbound travel insurance is designed for non-New Zealand residents who plan to visit New Zealand. Your Inbound policy can cover you for:

  • Medical and dental expenses
  • Luggage and travel documents
  • Rental car insurance excess
  • Personal liability and more!

If you will be spending the majority of your time in New Zealand, we can protect the rest of your journey to other destinations. Medical cover in your home country does not apply. See our Policy Wording for the full list of benefit limits.

If I am a New Zealand resident wanting to travel domestically, should I purchase Inbound travel insurance?

No. Our Inbound travel insurance policy is not suited for New Zealand residents. It is only available to people who live overseas. If you are a New Zealand resident wanting to travel domestically, our Domestic policy would be better suited for you.

I travel to New Zealand regularly so can I get an Inbound Annual Multi-Trip Policy?

No. Unfortunately we are unable offer an Inbound Annual Multi-Trip Policy. If you plan on travelling multiple times a year to New Zealand, you will need to take out a new Inbound policy each time.

How can I purchase Inbound travel insurance?

You can purchase an Inbound policy to New Zealand through our website. Get a quote online by following these steps:

  1. Enter ‘New Zealand Inbound’ into the field that asks where you are going.
  2. Select the dates of your first trip.
  3. Enter in the ages of travellers.
  4. Select ‘No’ when asked if all travellers live in New Zealand.
  5. Click ‘Get Quote’ to go to the next page.
  6. Select your plan and you can adjust the Excess amount.
  7. Select the optional extras you want by choosing your cancellation cover, increasing your luggage limits or opting in for Winter sports cover. An additional premium may apply.
  8. Continue through to the next pages to fill in the rest of your details.
  9. Finalise your purchase.

If you would like more information on how to buy an Inbound plan, check out our Inbound travel insurance page.

What is my excess?

You can choose your excess amount from either $0, $100 or $250. The higher the excess, the lower the premium you have to pay when purchasing travel insurance. The excess is the first part of a claim that we will not pay. Keep in mind that excess will be applied to each claimable event.

Are there any extra coverage options I can add to my policy?

Yes. Our Inbound policy allows you to add on cover to suit your travel needs. You can add unlimited cancellation cover and increase your luggage limits up to $10,000 per item. Taking to the slopes? You can add Winter sports to your policy too. When adding these extras to your policy, the premium will increase.

Is it possible to get travel insurance for cruises?

No. We are not able to offer travel insurance to cover a cruise holiday on our Inbound policy.

Is there an age restriction for buying an Inbound plan?

Yes. Our Inbound policy is limited to those under the age of 69. You must be 69 years old or younger at the time when the policy is issued.

Can I get cover for my Existing Medical Conditions (EMCs)?

We can automatically cover some Existing Medical Conditions (EMCs) when you take out an Inbound policy. Check out our Existing Medical Conditions page to find out which medical conditions we can automatically cover and the coverage criteria. For further information, have a read through the Policy Documents. Cover-More cannot provide cover for any existing medical conditions on an Inbound policy outside of our defined list.

Will you protect my working holiday in New Zealand?

Yes. Our Inbound policy is great for working holidays within New Zealand. You can arrange cover for up to 365 days. You just need to be within the terms outlined in the Policy Wording. Emergency and medical expenses can be costly in New Zealand. An Inbound policy can protect you from unforeseen amendment or cancellation costs, medical expenses, and lost luggage or travel documents. It is a simple one-off payment to give you peace of mind for your working holiday to New Zealand.

Can you protect my trip while travelling outside of New Zealand?

Your Inbound policy will cover you for your entire overseas trip as long as the majority of your time is spent in New Zealand. If you decide to see other parts of the world during your trip, Cover-More travel insurance can still protect you. Remember that no medical cover is available in your home country.

Ready to protect your trip to New Zealand? Get a quote for Inbound travel insurance.