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Cover-More travel insurance

Compare Cover-More travel insurance policies for coverage when you travel internationally or domestically.

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Cover-More

With access to 24-hour emergency assistance, you can have peace of mind that help is just a phone call away when you have a Cover-More travel insurance policy. This provider has policies for both international and domestic travellers, with generous limits for all those important things that you need coverage for in case things go wrong while on holiday. Cover-More insures millions of people around the world each year and gives each customer the individual care and attention that they deserve.

What policies can I choose from and how do they compare?

Cover-More has a range of travel insurance policies to suit different types of travelling needs. Overseas travellers can opt for the comprehensive policy either for single or annual multi-trip, and those wanting basic coverage can select the essentials policy. Domestic travellers can also choose from single or multi-trip policies that cover you when you travel in New Zealand as long as you are at least 250km away from home.

As well as generous allowances for things like emergency medical and luggage, Cover-More’s overseas policies allow you to choose the amount of cancellation cover you need based on the amount you spend on tours and tickets.

If you travel frequently throughout the year, an annual policy may save you money rather than buying individual policies each time you travel. You can be insured for maximum trip lengths of either 15 or 30 days to Australia or South Pacific nations, and either 30, 45 or 60 days for the rest of the world.

Compare Cover-More policies

Name Product Medical Cover Cancellation Cover Luggage and Personal Effects Cover Default Excess
Cover-More Comprehensive
Unlimited
$10,000
$25,000
$250
Includes unlimited cover for emergency medical, accommodation and transport expenses, $25,000 cover for luggage and travel documents, and $10,000 for legal expenses.
Cover-More Annual Multi-Trip
$1500
$10,000
$5,000
$25
Peace of mind as you travel the world with insurance that covers you over a 12 month period. An affordable option for those who take multiple trips over the year.
Cover-More Domestic
$1500
$10,000
$2,500
$25
Travel around New Zealand with the security of $200,000 in personal liability cover, up to $4,000 for rental vehicle excess and $10,000 in cancellation cover.
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Cover Feature Comprehensive Essentials Domestic
Emergency medical
  • Unlimited
  • $7,500,000
  • $1,500
Accidental Death
  • $15,000
  • $5,000
  • $10,000
Amendment or cancellation costs
  • Cover chosen
  • Cover chosen
  • $10,000
Additional expenses
  • Unlimited
  • $750,000
  • $1,500
Personal liability
  • $2,500,000
  • $2,500,000
  • $200,000
Rental vehicle excess
  • $10,000
  • None
  • $4,000
Hospital incidentals
  • $8,000
  • None
  • None
Luggage delay
  • $1,500
  • $500
    • None
Luggage and travel documents
  • $25,000
  • $4,000
  • $5,000
Disability
  • $15,000
  • $5,000
  • $10,000
Loss of income
  • $9,000
  • $4,500
  • $2,250
Legal expenses
  • $10,000
  • None
  • $5,000

What does a Cover-More policy cover?

Here are some common situations Cover-More provides insurance for if your policy contains the benefit mentioned:

  • You rent a vehicle to do some exploring but you get into an accident. If you decide you want to forego public transport and rent a car on your trip, you’re automatically covered for up to $10,000 in case you are involved in an accident and need to pay the excess to the rental company.
  • You’re feeling unwell and are not sure what to do. If you’re feeling under the weather and not sure if you should sleep it off or head to a medical centre, the Travel GP service can give you advice based on your symptoms about the next steps.
  • You need to make a claim for an unexpected event that happened while on a cruise. No problem, cruise ship related claims are automatically covered by Cover-More other than injuries that are covered by ACC.
  • Your flight is delayed for 8 hours and you’re going to miss an important event. For flight delays of 6 hours or more, you’re covered for up to $2,000 to make alternative arrangements to get to your next destination.
  • A tour you have booked has been cancelled at short notice. When you take out your policy you will be asked for an amount that you wish to be covered for in case of cancellations. The figure that you nominate should cover all the accommodation, tours and travel tickets that you have prepaid before commencing your journey.
  • You break your leg. Medical expenses are covered when you are in an accident and need emergency treatment.
  • Something went wrong while you were jet skiing. Many adventure sports are automatically included in your policy so you can enjoy yourself knowing that you’re covered.
  • Someone snatches your backpack out of your hands with your laptop, camera and travel documents. If you choose the comprehensive policy, you’re covered up to $25,000 for luggage and personal effects, with limits of $3,000 for laptops and cameras.
  • You damage another person’s property by accident. If you become legally liable to pay damages to another person, cover is provided up to $2.5 million as long as you meet the conditions.
  • You fall off the back of a motorcycle while riding as a passenger. Your Cover-More travel insurance policy covers you for motorcycle accidents, as long as you were wearing a helmet, the driver holds a valid licence for that country and other conditions are met.
  • You pass away while on your holiday. Your policy includes reasonable costs to return your body back to New Zealand or for an overseas funeral or cremation so your family is not burdened with the bill.

What are the other options on offer from Cover-More travel insurance?

Cover-More’s policies do not include skiing and snowboarding adventures, but you can add on the Winter Sports extra for coverage while you are zipping down the mountains. This add-on is only for leisure activity, so you can’t be covered if you are racing or participating as a professional.

You can also increase your luggage limits if you have specific high-valued items. You can increase the cover for individual items up to $10,000, but the total limit increase can not exceed $25,000.

Corporate travel insurance is also on offer, with companies able to choose from Silver, Gold or Platinum plans for their employees that travel for business purposes.

For visitors to New Zealand, Cover-More has an inbound travel insurance policy available to non-New Zealand residents who are under 69 years old.

What excess do I have to pay?

When you complete a quote for Cover-More travel insurance, the standard excess you are presented with is $100. You can reduce this excess to either $0 or increase it to $250. The premium amount that you need to pay will either go up or down depending on what you choose.

Whichever excess is listed on your policy is the amount you need to pay for certain types of claims as stated by Cover-More. Additional excesses may be required such as for pre-existing conditions

What doesn’t my policy cover?

Like with all travel insurers, Cover-More has a list of general exclusions to its policies and won’t accept claims arising from these events. Some of the events that you won’t be covered for include:

  • Travelling against medical advice
  • War, terrorism or civil unrest
  • Participating in activities or extreme sports not covered by the policy
  • Breaking the law
  • Being under the influence of drugs or alcohol
  • Loss or damage to property if you haven’t taken proper precautions
  • Not enjoying yourself while on holiday
  • Being more than 24 weeks pregnant and having a medical problem that is not unexpected for pregnancy
  • Stolen property if you have not reported it to the police within 24 hours

For a full list and details of Cover-More’s general exclusions, refer to the policy wording.

Why should I consider Cover-More for my travel insurance?

Whether you are looking for coverage for a single trip or you travel multiple times a year, Cover-More has travel insurance policies to suit. Here are just a few reasons to choose Cover-More:

  • Unlimited emergency medical expenses with the comprehensive policy
  • 24/7 emergency assistance
  • Travel GP service for medical advice
  • Children and grandchildren travel free with adults
  • More than 18 million choose Cover-More worldwide each year
  • Individual care and attention for every customer

Can I make changes to my policy?

Cover-More does not allow you to extend your policy like other travel insurers do. If you decide that you want to stay longer while on your trip, you will need to purchase a new policy before your existing policy expires. If you have developed a new medical condition from the time of taking out your first insurance policy, you will need to disclose these details as they may affect your new policy due to being an existing medical condition.

If you want to cancel your policy, you can do so within 15 working days of purchase as long as you haven’t made any claims or started your journey. Other changes such as change of details, medical conditions and add-ons may be done by contacting Cover-More before you travel.

Can I get cover for a pre-existing medical condition?

When you get travel insurance from Cover-More, you are automatically covered for dozens of pre-existing conditions including asthma, epilepsy, hip/knee replacement, pregnancy up until 24 weeks, migraines and skin cancer.

If you have other pre-existing conditions that are not automatically covered, it’s your duty of disclosure to inform Cover-More of these when you purchase your policy. You can complete a quick online medical assessment to find out if your particular conditions can be covered, and if you need to pay an extra premium.

Failure to disclose pre-existing conditions when you take out your travel insurance policy could mean that you are denied cover for overseas treatment or have claims refused when you return home. You also need to let Cover-More know if your medical circumstances change between the day you purchase your policy and the day you travel.

Can I get cover for my camera, jewellery or other expensive items?

Cover-More’s comprehensive travel insurance policy covers you for up to $25,000 for lost or stolen items that you take with you on your trip. But there are specified limits for some items including:

  • Cameras and video cameras: $3,000
  • Laptop computers: $3,000
  • Money: $500
  • Other items: $1,500

Cover-More does allow you to insure high-value items up to $10,000 as long as you name them on your policy, to a maximum of $25,000.

How do I contact Cover-More?

Cover-More has different emergency assistance contact numbers depending on the country you are located in:

  • US: 1866 309 2267
  • UK: 0808 234 1526
  • Australia: 1800 242 579
  • Canada: 1866 773 9318
  • New Zealand and all other countries: +61 2 8907 5240

For customer service while in New Zealand you can phone 0800 500 225 or you can fill in the contact form on the Cover-More website for someone to respond within 24 hours.

How do I claim with Cover-More?

Cover-More makes submitting a claim simple. You can either submit a claim form online or download and complete a claim form to send by post. Along with your claim form you will need to submit some supporting documents, which will differ depending on the type of claim you are making.

These could include:

  1. Invoices and receipts of out-of-pocket expenses
  2. Medical reports and/or medical certificate
  3. Police reports
  4. Your itinerary
  5. Confirmation from a travel provider of delays or cancellations

The exact documents that you need are listed on the claims form as you go through each section. The more information you can provide when you submit your claim, the faster it can be processed. You can expect to hear from Cover-More within 10 working days to find out if your claim has been approved, rejected or if more details are required.

If you have any questions or concerns regarding submitting your claim, you can contact 0800 500 225 if you would prefer to speak to someone over the phone.

If you have any final questions, you may find the answer below

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