Cover-More Travel Insurance

New Zealand has opened its borders and travel has recommenced again. Now is our chance to see the world once more. However, all travel comes with some level of risk and Travel Insurance includes a range of benefits which can provide some peace of mind while travelling.


Cover-More is one of our preferred travel insurance providers. Cover-More has insurance experience spanning more than 35 years and we’ve partnered with them to bring you a range of travel insurance options and plans for international, domestic and inbound travel. The plans also include specific benefits, limits and exclusions which apply to COVID-19. It is important to read the Policy Wording in order to understand which Policy Wording and plan therein is right for you.

We like to make things simple. Once you have decided on your travel insurance plan, your Travel Agent can arrange your travel insurance on your behalf.

Cover-More Emergency Assistance

All Cover-More Travel Insurance plans include 24/7 access to Cover-More’s Emergency Assistance phone line and support network composed of doctors, nurses, case managers and travel agents. Their skilled and global team can assist you to find medical facilities and monitor medical care, pay approved medical expenses to medical providers, coordinate getting relatives to you (if deemed necessary and cover is accepted), provide help if passports, travel documents or credit cards are lost, change travel plans in an emergency and much more.

The Cover-More Emergency Assistance Call Centre is available 24-hours a day, 7-days a week.

If you are calling from:

Use this emergency number:


1866 309 2267


1866 773 9318

United Kingdom

0808 234 1526


1800 242 579

New Zealand and Other Countries

+61 2 8907 5240

Travel Insurance Cover

You need to select a product and plan to suit your travel arrangements, cover requirements and budget. Heading overseas? The International Single-Trip plan under the Cover-More YourCover product is a comprehensive option. It includes specified cover for medical and dental expenses, amendment or cancellation costs, delayed luggage allowance cover, personal liability cover, rental vehicle insurance excess cover, missed connections cover, special events cover, loss of income cover and more. Travelling on a bit of a budget around New Zealand? The Single-Trip Budget Essentials plan under the Cover-More YourCover product may well be a good option since it covers you for amendment or cancellation costs only, and you select the level of cover you want.

Read the Policy Wording and talk to your Travel Agent about your options. Your Travel Agent won’t be able to offer you specific advice, but they can explain the differences between each Policy Wording, each plan, and summarise your travel expenses so that you can identify how much cover you need. If you need specific financial advice, then please speak with your own independent and qualified financial adviser or insurance broker.

Existing Medical Conditions  (EMCs)

Cover-More travel insurance automatically includes cover for a range of medical conditions. These are specified in the Policy Wording . When you apply for cover, please familiarise yourself with these conditions. If you are asked to complete a Medical Assessment with Cover-More, please declare your Existing Medical Conditions for assessment (including those that are automatically included in the Policy Wording). If you are offered cover for your Existing Medical Conditions after completing the Medical Assessment, an additional premium may need to be paid to add this cover to your policy.

Adventure Activities and Optional Extras
Want to make sure your activities are covered? Some Cover-More plans include cover for a comprehensive list of automatically included activities including Abseiling, Jet Skiing, Archery, Kayaking, Ballooning, Paragliding, Bungy Jumping, Parasailing, Flying Fox, Snorkelling, Horse Riding, White Water Rafting, Jet Boating and Working Holidays. Your participation in any of the activities listed is subject to the terms of cover and General exclusions contained within the Policy Wording .

Planning something a little more adventurous? Talk to your Travel Agent about what you plan to get up to while travelling. Some Cover-More plans include optional extras which can be added on by your Travel Agent at the time you purchase your policy. Optional Extras comprise of Adventure Activities Cover, Adventure + Cover, Motorcycle/Moped Riding + Cover, Snow Sports Cover and Snow Sports + Cover. Your Travel Agent can explain each one, so that you can determine if one or more of these Optional Extras are required. Please be aware that to confirm cover, an additional premium may be required.

Cruise Travel
Taking a Cruise? The Cruise Cover add-on is mandatory for journeys that include a multi-night ocean cruise. Please discuss your cruise plans with your Travel Agent. They will be able to assist with adding this add-on to your travel insurance policy. Read the Policy Wording for more information on how the travel insurance will apply when cruising.  

Cooling-off Period
If you purchase a travel insurance policy from Cover-More, you can cancel or change your policy at any time before you leave home. If you cancel the policy for any reason within the cooling-off period which is within 21 calendar days of the date of purchase, Cover-More will give you your money back. The cooling-off period ensures a refund of the net premium unless you have already made a claim under the policy or departed on your journey.

Making a Claim

In an emergency, please contact the Cover-More Emergency Assistance Contact Centre in the first instance. For non-urgent claims, these can be made while you travel or once you have returned home.  Making a travel insurance claim via the Cover-More Online Claim Portal is quick and easy. To complete the application, you will need your policy number along with receipts and documents to substantiate your claim. You can also save your claim and come back to it later. 

Click here to submit your claim online

Once your claim is submitted, Cover-More will respond to or finalise your claim within 10 working days of receiving your forms. If you have any questions in the meantime, please call Cover-More at 0800 500 225 or email


Policy Wording Choices 

Review Policy Wording below. Some contain a range of plan options.

YourCover Travel Insurance | Cover-More Essentials Travel Insurance | Cover-More Business Travel Insurance


Please contact your nearest Helloworld Travel store to purchase a policy or get a quote:

Phone 0800 75 87 87 or click here to select a store

Limits, sub-limits, conditions and exclusions apply. Standard excess may apply. A special excess may apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating.

Last updated: 20 June 2022.
© 2021 Cover-More (NZ) Ltd.