Cover-More Travel Insurance has been in the travel insurance business for over 25 years. Formerly known as Travelsure, they changed their name to Cover-More in 2012. Cover-More Travel Insurance provides millions of travel insurance policies each year to New Zealand, Australia and the UK.

Their policies are underwritten by Great Lakes New Zealand which is owned by the Munich Re Group.

Advantages/The Good

  • Cover-More Travel Insurance New Zealand includes a 15 working day, no fee cancellation policy (provided you’re not already on holiday and haven’t made a claim)
  • you have an option to review the Excess fee (fee paid if a claim is made) to reduce policy cost
  • Loss, theft and damage coverage is included on all policies
  • Travel interruptions or changes include expenses for travel delay, resumption of journey and amendment costs
  • Skydiving, parasailing, paragliding, white water rafting and snorkelling activities are included in all plans
  • Children under 21 are typically included for free
  • Coverage is available for travellers over 69
  • Quick, online quote system

Disadvantages/Drawbacks

  • Cover-More Travel Insurance New Zealand policies don’t include trip cancellation insurance by default. It’s an additional fee depending on coverage required
  • If you’re going snowboarding, skiing or snowmobiling, the optional (at a cost) insurance for winter activities is required
  • Premiums can be higher for travellers heading to the the Americas

The Bottom line

You can get a Cover-More Travel Insurance for New Zealanders quote quickly online, and their website has lots of options for staying on budget.

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully. Read the terms and conditions of policy wording and description of coverage to decide if the policy you choose is right for you.

Are you looking to compare their policies with other New Zealand travel insurance companies? Check our New Zealand travel insurance price comparison for seniors, domestic, ski and backpackers travel insurance.

How to Get a Quote

You can get a quote through Cover-More Travel Insurance New Zealand here.

Cover-More Travel Insurance Plans for New Zealand

Cover-More Travel Insurance New Zealand has four plans to choose from. They offer Essential Plan IE Single Trip, Options Plan I Single Trip, Essential Plan IE Multi Trip and Options Plan I Multi Trip.

With a ton of comprehensive options for each plan including increasing or decreasing the Excess Fees (the amount you pay for each claim you make), choosing your cancellation amounts and whether or not they include coverage for winter activities, the multi trip plans also let you choose your maximum trip duration which can further decrease your costs.  For those with existing health conditions, they have additional coverage and fees as well.

Tip! When comparing prices, make sure you compare the Excess Fees for each product. Cover-More Travel Insurance Excess Fees range from $0 to $250, so pay attention when making a comparison between travel insurance plans, since raising or lowering the Excess Fee can significantly increase or decrease your premiums.

Essential Plan IE Single Trip

Cover-More’s cheapest international travel insurance option, their Essential Plan, is also their most popular. It provides emergency medical plus basic coverage on the most popular options, including trip amendment and cancellation as well as emergency medical and dental.

Options Plan I Single Trip

Cover-More’s most comprehensive travel insurance plan, their Options Plan, gives you everything the Essential Plan gives you and more including unlimited medical, dental and additional expenses, as well as greater lost luggage and individual item amounts and higher disability and loss of work benefits. It also provides coverage for rental car insurance Excess, resumption of journey, hospital incidentals and legal expenses that the Essential Plan doesn’t include.

Essential Plan IE Multi Trip

Based on the Essential Plan, the Multi Trip plan includes unlimited trips anywhere in the world for up to 30, 45 or 60 days, depending on which option you choose.

Options Plan I Multi Trip

Similar to the more comprehensive Options Single Trip plan, Cover-More’s Options Plan Multi Trip includes coverage for unlimited trips up to 30, 45 or 60 days, depending on which option you choose.

Tip! When choosing a multi trip policy, it’s important to consider your maximum days out of the country. For example, if you travel mostly for work for a week or two at a time, it makes more sense to purchase the 30 day maximum leave. The price can literally double when choosing between a 30 and 60 day policy and you can usually purchase additional coverage if you ever leave longer than 30 days.

Want to know more about Cover-More Travel Insurance?

We hope you found our Cover-More New Zealand Travel Insurance review helpful! Check out their site for more information.

If you’re over the age of 69, you can check out our article on finding the best travel insurance for New Zealand seniors.