International Travel Insurance for New Zealand Residents
Protect your overseas trip with international travel insurance
Planning an overseas trip? Don’t forget to pack an important item that can help if things go pear shaped while you’re travelling abroad – an overseas travel insurance policy.
At Cover-More, we provide New Zealand residents with travel insurance for international trips to help protect against an array of unforeseen complications – from unexpected injury or illness to travel delays, lost luggage, and more.
Whether you are a frequent traveller, seeking the most comprehensive cover or on a budget, you can compare our plans to find the best international travel insurance for you. After all, taking out a policy could save you and your family on overseas medical bills, emergency evacuation costs and/or other unforeseen expenses.
Skip to read:
- What is international travel?
- Why do I need international travel insurance?
- What overseas travel insurance plans does Cover-More offer?
- What does Cover-More international travel insurance include?
- How do I know which Cover-More international plan is right for me?
- Why should I consider Cover-More's travel insurance for my overseas holiday?
What is international travel?
International travel is any travel that takes you out of New Zealand. This could be for work, a personal holiday, or to visit relatives who live overseas.
It might be an island escape to Fiji, a snowboarding trip to Japan, a backpacking trip through Europe, or a cruise in the South Pacific. Whether you’re taking a short trip or are travelling for an extended period, protecting your trip with international travel insurance for New Zealand residents is important.
Why do I need international travel insurance?
It’s important to consider protecting your trip abroad with the right level of travel insurance for you.
From minor mishaps to major emergencies, international travel insurance may help offer financial protection when things go wrong – and could even help get you back home if need be.
Worldwide travel insurance can provide cover for incidents such as:
- Overseas emergency medical and dental costs – which can be extremely expensive in many countries
- If your luggage is lost, stolen, or delayed
- Missed flight connections or travel delays
…and more.
With international travel insurance you can worry less and travel more, knowing you’ve got protection if something goes wrong.
What overseas travel insurance plans does Cover-More offer?
At Cover-More, we offer three different international travel insurance plans. You can choose the plan that suits the level of cover you require – and your budget.
- International Comprehensive+: our most comprehensive overseas travel insurance for New Zealand residents with our highest benefit levels, plus extra business-related benefits included for business travel.
- International Comprehensive: our mid-tier comprehensive plan with excellent benefits and coverage levels for travellers who want comprehensive cover for their trips abroad.
- International Basic: our base-level insurance plan with essential benefits – including $Unlimited~ overseas medical expenses – for New Zealand residents on a budget.
If you’re a frequent traveller, our International Comprehensive+ and International Comprehensive Plans can be purchased as an Annual Multi-Trip policy. This provides cover for unlimited trips (up to the maximum duration per trip you choose) to your selected destinations over a 12-month period.
What does Cover-More international travel insurance cover?
If you travel overseas as a Cover-More travel insurance policyholder, we may be able to help if something goes wrong.
Check out some of the benefits below. Each plan has different benefits so consider carefully what your needs may be.
Each of our three international travel insurance plans for New Zealand residents have some benefits that differ and the benefit coverage amounts can vary. You can compare our plans below to find the best overseas travel insurance plan for you:
| International Basic (Single Trip) | International Comprehensive (Single Trip or Annual Multi-Trip) | International Comprehensive+ (Single Trip or Annual Multi-Trip) |
|---|---|---|
| COVID-19 | ||
| Limited cover applies. Compare our international COVID-19 cover here. | ||
| Overseas Medical and Dental Expenses | ||
| Overseas medical expenses | ||
| $Unlimited~ | $Unlimited~ | $Unlimited~ |
| Overseas emergency dental expenses | ||
| $3,000 | $3,000 | $3,000~ |
| Continued medical and dental expenses in New Zealand | ||
| $2,000 | $2,000 | $2,000 |
| Additional Expenses* | ||
| $Unlimited | $Unlimited | $Unlimited |
| Return of mortal remains | ||
| $25,000 | $50,000 | $60,000 |
| Pet cat or dog boarding* | ||
| X | $300 | $300 |
| Travel Services Provider Insolvency | ||
| X | $5,000 | $10,000 |
| Amendment or Cancellation Costs* | ||
| $Cover chosen^ | $Cover chosen^ | $Cover chosen^ |
| Cancellation Extensions | ||
| Upgrade: If your non-travelling relative or business partner becomes ill, injured, or dies | ||
| X | ✓ | ✓ |
| 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)^^ | ||
| X | ✓ | ✓ |
| An act of terrorism | ||
| X | ✓ | ✓ |
| If your pet cat or dog becomes ill or injured or dies | ||
| X | ✓ | ✓ |
| Wedding-related cancellation | ||
| X | ✓ | ✓ |
| Dissolution of your relationship with your spouse or de facto | ||
| X | ✓ | ✓ |
| Luggage and Travel Documents* | ||
| $5,000 | $20,000 | $30,000 |
| Phone or smart watch - limit per item• | ||
| $1,000 | $1,500 | $2,500 |
| Camera or video camera - limit per item• | ||
| $3,500 | $4,000 | $6,000 |
| Laptop computer - limit per item• | ||
| $3,000 | $4,000 | $5,000 |
| Tablet computer - limit per item• | ||
| $3,000 | $3,000 | $3,000 |
| Drone (with or without camera) - limit per item• | ||
| $1,000 | $1,500 | $2,000 |
| Artificial limb, removable dental appliance, dentures or medical device e.g., hearing aids, CPAP machine - limit per item• | ||
| $1,000 | $1,500 | $2,000 |
| Jewellery or watch or any other item - limit per item• | ||
| $1,000 | $1,500 | $2,000 |
| Delayed Luggage Allowance* | ||
| $600 | $1,100 | $2,000 |
| Money | ||
| X | $500 | $500 |
| Driving Holidays | ||
| Rental vehicle insurance excess | ||
| X | $5,000 | $10,000 |
| Rental vehicle comprehensive cover | ||
| X | X | ✓ |
| Travel Delay* | ||
| X | $2,000 | $3,000 |
| Resumption of Journey | ||
| X | $5,000 | $10,000 |
| Missed Connections | ||
| X | $3,000 | $3,000 |
| Special Events | ||
| X | $5,000 | $6,000 |
| Hospital Incidentals* | ||
| X | $6,000 | $10,000 |
| Hijacking* | ||
| X | $5,000 | $10,000 |
| Loss of Income* | ||
| X | $30,000† | $45,000† |
| Disability | ||
| X | $25,000† | $30,000† |
| Accidental Death | ||
| X | $25,000† | $30,000† |
| Legal Expenses | ||
| X | $10,000 | $10,000 |
| Personal Liability | ||
| $1,000,000 | $2,500,000 | $5,000,000 |
| Business Pack | ||
| Business equipment | ||
| X | X | $7,500 |
| Business equipment hire | ||
| X | X | $1,500 |
| Alternative staff | ||
| X | X | $15,000 |
| Business money | ||
| X | X | $2,000 |
| Kidnap and ransom | ||
| X | X | $250,000 |
| Cruise Cover | ||
| Cruise cancellation | ||
| $Cover Chosen^ | ||
| On-board medical and dental cover | ||
| $Unlimited~ | ||
| Ship to shore medical cover | ||
| $Unlimited | ||
| Sea sickness cover | ||
| $Unlimited~ | ||
| Cabin confinement | ||
| $100 per day - up to a maximum of $1,500 | ||
| Missed port (embarkation) | ||
| $1,000 | ||
| Missed shore excursions | ||
| $1,000 | ||
| Adventure Activities Packs | ||
| Included activities | ||
| See our adventure page or the Policy Wording for full details | ||
| Adventure Activities | ||
| Option to vary cover | ||
| Adventure+ Activities | ||
| Option to vary cover | ||
| Motorcycle/Moped Riding Cover | ||
| Motorcycle/Moped Riding Cover | ||
| Automaticaly included. See Policy Wording for full details | ||
| Motorcycle/Moped+ Riding Cover | ||
| Option to vary cover | ||
| Snow Sports Cover | ||
| Snow Sports Cover | ||
| Option to vary cover | ||
| Snow Sports+ Cover | ||
| Option to vary cover | ||
* Sub-limits apply. Please refer to the Policy Wording for full policy conditions.
** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.
~ 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.
† Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.
• Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See Policy Wording for full details.
For full details on the terms and conditions, sub-limits, and exclusions you should consider before you purchase, read the Policy Wording. You can also get a fast quote online now.
How do I know which Cover-More international plan is right for me?
You can compare our worldwide travel insurance plans above to find the one that best fits your travel requirements and budget. We recommend you also read the Policy Wording before purchasing to understand what you are – and aren’t – covered for under our plan.
If your trip includes a multi-night ocean or sea-going cruise you need to tell us and Cruise Cover will be added to your policy. An additional premium applies.
As a Cover-More customer, you can also vary your cover to fit your individual requirements for an additional premium by:
- adding a suitable level of amendment and cancellation cover; some plans include a cancellation extension upgrade that provide extra cover for non-travelling relatives or business partners and pregnancy;
- adding our Snow Sports or Snow Sports+ Cover to your policy if your winter holiday includes snow skiing, snowboarding, and/or snowmobiling;
- including our Adventure Activities or Adventure+ Activities Cover if you’re planning on engaging in activities not automatically included in our plans;
- adding Motorcycle/Moped Riding+ Cover if you’re planning on driving or riding a motorcycle or moped with an engine capacity over 250cc while abroad.
Got questions? Call our team on (0800) 500 225 during business hours.
Ready to purchase? All Cover-More policyholders are covered by a 21-day cooling-off period**, which means we can refund you for the cost of your policy should you change your mind within this period.
Want us to safeguard your overseas holiday?
Discover whether our international travel insurance plans suit you.
** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.