Domestic Travel Insurance
Protect your New Zealand holiday with domestic travel insurance
Most people know the value of international travel insurance. But did you know it can be just as important to have travel insurance when travelling around New Zealand?
Whether you’re going on a family holiday to Rotorua, going on a hike in the Coromandel, or enjoying a long weekend city break in Wellington, a domestic travel insurance policy may help protect you and your finances should something go wrong.
At Cover-More, we have three Domestic Plans to help cater to all budgets and trip types. Below you’ll find useful information about our domestic travel insurance for New Zealand and why it’s important. Plus, check out our domestic travel insurance FAQs for extra questions our customers often ask.
Read the Policy Wording and are ready to buy? You can get a quote online or call our friendly team on (0800) 500 225 to purchase over the phone.
Skip ahead to read:
- What is domestic travel insurance?
- Do I need domestic travel insurance in New Zealand?
- Does Cover-More have domestic travel insurance plans?
- Can I add extras to my domestic travel insurance policy?
- Can I buy a domestic annual multi-trip policy?
- How do I buy a Cover-More domestic travel insurance policy?
- Do I get cancellation cover?
- Do domestic travel insurance policies provide medical cover?
- Do I need travel insurance for a domestic cruise?
- Am I covered for domestic driving holidays?
- What excess will I pay?
- Can I travel in New Zealand while pregnant?
- What is the best domestic travel insurance for senior travellers?
What is domestic travel insurance?
For New Zealand residents, domestic travel insurance is a type of travel insurance that provides cover for trips taken within New Zealand.
Depending on the type of policy you buy, most domestic plans for New Zealand offer coverage for expenses such as lost or damaged luggage and travel documents, rental vehicle insurance excess, additional expenses, amendment or cancellation costs and certain sporting activities.
Do I need travel insurance when travelling in New Zealand?
There are always risks when you travel even on domestic trips. Incidents can happen as easily in Wellington as they can in Singapore, your luggage can become delayed or lost on a flight to Auckland just as they can on a flight to Austin, and if your child becomes unwell and you need to cancel your trip, it doesn’t matter if you were travelling to Queenstown or to Quebec.
Travel insurance for New Zealand trips can help protect you from unexpected mishaps and events outside of your control ruining your trip – and your finances.
While domestic travel insurance only provides limited cover for medical expenses in New Zealand, it provides cover for several other important benefits. For details on what our Cover-More domestic plans cover, view our benefits table below.
Find out how affordable cover can be by getting a quote online or call our team on (0800) 500 225. We can help you find our best domestic travel insurance plan that suits your needs.
Does Cover-More have domestic travel insurance plans?
At Cover-More, we have three types of domestic plans to allow you to choose the best domestic travel insurance for your trip in New Zealand:
- Domestic Comprehensive+
- Domestic Comprehensive
- Domestic Basic
Below, you can compare our Domestic Plan benefits and benefit limits:
| Domestic Basic (Single Trip) | Domestic Comprehensive (Single Trip or Annual Multi-Trip) | Domestic Comprehensive+ (Single Trip or Annual Multi-Trip) |
|---|---|---|
| COVID-19 | ||
| Limited cover applies. Compare our domestic COVID-19 cover here. | ||
| Medical and dental expenses | ||
| $1,500~ | $1,500~ | $1,500~ |
| Additional Expenses* | ||
| $10,000 | $10,000 | $25,000 |
| Return of mortal remains | ||
| Included in limit above | Included in limit above | Included in limit above |
| 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* | ||
| X | $5,000 | $15,000 |
| Phone or smart watch - limit per item• | ||
| X | $1,500 | $2,500 |
| Camera or video camera - limit per item• | ||
| X | $4,000 | $6,000 |
| Laptop computer - limit per item• | ||
| X | $4,000 | $5,000 |
| Tablet computer - limit per item• | ||
| X | $3,000 | $3,000 |
| Drone (with or without camera) - limit per item• | ||
| X | $1,500 | $2,000 |
| Artificial limb, removable dental appliance, dentures or medical device e.g., hearing aids, CPAP machine - limit per item• | ||
| X | $1,500 | $2,000 |
| Jewellery or watch or any other item - limit per item• | ||
| X | $1,500 | $2,000 |
| Delayed Luggage Allowance* | ||
| X | $1,100 | $1,500 |
| Money | ||
| X | $500 | $500 |
| Driving Holidays | ||
| Cover for the insurance excess on your personal vehicle | ||
| X | $2,500 | $2,500 |
| Rental vehicle insurance excess | ||
| X | $5,000 | $10,000 |
| Rental vehicle comprehensive cover | ||
| X | X | ✓ |
| Travel Delay* | ||
| X | $1,000 | $1,000 |
| Resumption of Journey | ||
| X | X | $2,000 |
| Missed Connections | ||
| X | X | $2,000 |
| Special Events | ||
| X | $2,000 | $2,000 |
| Loss of Income* | ||
| X | $30,000† | $45,000† |
| Disability | ||
| X | $25,000† | $30,000† |
| Accidental Death | ||
| X | $25,000† | $30,000† |
| Legal Expenses | ||
| X | $5,000 | $5,000 |
| 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 |
* Sub-limits apply. Please refer to the Policy Wording for full policy conditions.
~ 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.
Each domestic travel insurance plan offers different levels of cover, so it’s important to read the Policy Wording to find out what’s best for you, and what you are and aren’t covered for.
Can I add extras to my Cover-More domestic travel insurance policy?
Are you hitting the slopes on your New Zealand holiday? Or maybe you’re planning on motorcycle riding in the countryside?
All our domestic plans allow you to vary your cover by including extra cover for an additional premium. These include cover for:
- Snow or winter sports
- Motorcycle/moped riding
- Adventure activities (beyond those automatically included)
You can add one or more of these options to your cover when you generate a Cover-More quote.
For full details on what each of these options to vary your policy do and don’t cover, read the relevant sections in the Policy Wording.
Can I buy a Cover-More domestic Annual Multi-Trip policy?
Yes, an Annual Multi-Trip policy is available on both our Domestic Comprehensive and Domestic Comprehensive+ plans. (Our Domestic Basic Plan is for Single Trip policies only.)
If you’re a frequent traveller, a domestic annual multi-trip policy for New Zealand could be handy to have as any trip more than 100 kilometres from your home is covered by your domestic policy.
To help find our best domestic travel insurance for you, get a quote online or call us on (0800) 500 255.
How do I buy a Cover-More domestic travel insurance policy?
To purchase domestic travel insurance on our website, select “New Zealand” as your destination under “Where are you going?” in the quote box.
If you’re going on an ocean or sea-going cruise for two or more nights outside the Internal Waters of New Zealand, select “Domestic Cruise” as your destination to ensure you’re quoted for an international policy that includes cover for medical expenses outside of New Zealand while on the cruise.
Note: Do not choose “New Zealand Inbound” unless you’re a non-New Zealand resident visiting New Zealand.
Continue to fill in the rest of your travel details under “When is your trip?” and “Who is travelling?” and then click ‘Get quote’ to generate a price.
From here, you can select the best domestic travel insurance plan for you, Opt for a Single Trip policy (available on all plans) or an Annual Multi-Trip policy (available on our comprehensive plans only), include any options to vary your cover, and advise us of any existing medical conditions you’d like covered before purchasing your policy.
If you need assistance with finding the right plan for you or have questions about cover for an existing medical condition, call us on (0800) 500 225.
Do Cover-More domestic travel insurance policies include cancellation cover?
Our Cover-More domestic travel insurance policies can offer coverage in case you need to amend or cancel your trip within New Zealand for an unexpected reason.
Cancellation cover is not automatically included in our plans, but you can add the amount of cancellation cover that best suits your trip during the quote process. The level of cancellation cover you choose will influence your premium.
If you choose a Domestic Comprehensive and Domestic Comprehensive+ Plan, you’ll also receive cover for additional cancellation extensions within your cancellation cover. These provide cover for cancellation reasons that would not be covered under usual circumstances, such as:
- Illness, injury, or death of a non-travelling relative or business partner
- Pregnancy-related cancellation
- An act of terrorism
- Pet-related cancellation
- Wedding-related cancellation
- Dissolution of your relationship
Please refer to the Policy Wording for limits, exclusions, and conditions related to our cancellation cover.
Do domestic travel insurance plans provide medical cover?
Our domestic plans provide limited medical cover to travellers.
Please refer to the Policy Wording for limits, exclusions, and conditions related to our medical cover.
Do I need travel insurance for a domestic cruise?
Cruise holidays are an exciting way to see New Zealand. If you’re about to set sail on a domestic ocean or sea-going cruise, we can provide travel insurance cover for a domestic cruise with our international plan options.
Did you know government medical assistance and/or your private health insurance may not cover the costs of using the medical facilities on a cruise ship? This means you may be out of pocket if you need to see a doctor unexpectedly while on board.
If you’re a Cover-More travel insurance policyholder and you have added Cruise Cover to your policy, you can be protected from unexpected expenses related to:
- Cruise cancellation (when you choose a level of cancellation cover to add to your policy)
- Onboard medical and emergency dental
- Ship to shore medical expenses
- Sea sickness cover
Does Cover-More provide cover for domestic driving holidays?
If you’re hitting the road for your domestic holiday in New Zealand, our Cover-More team can help protect your trip whether you’re hiring a rental vehicle or driving your own car.
If you’re a Domestic Comprehensive or Domestic Comprehensive+ policyholder, you’ll receive the below cover:
| Benefit | Domestic Comprehensive | Domestic Comprehensive+ |
|---|---|---|
| Cover for the insurance excess on your personal vehicle | $2,500 | $2,500 |
| Rental vehicle insurance excess | $5,000 | $10,000 |
| Rental vehicle comprehensive cover | X | ✓ |
You’ll find more information on our domestic travel insurance benefits for driving holidays in New Zealand here, and we strongly encourage you to read the Policy Wording so you are aware of what is and isn’t included in the plans.
Note: “rental vehicle” means a campervan/motorhome/caravan that does not exceed six tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive, mini bus, moped or motorcycle rented from a licensed motor vehicle rental company, car club company or agency.
What excess do I pay on Cover-More domestic plans?
A $25 excess applies to our Cover-More Domestic Plans.
An excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event.
The excess does not apply to all sections - see the Domestic Plans benefits table in the Policy Wording, which shows the benefits that an excess applies to in the event of a claim.
Check out our dedicated FAQs for Domestic Travel Insurance for more information.
Can I travel in New Zealand while pregnant?
Being pregnant doesn’t necessarily mean you have to stop travelling – especially when you have that babymoon to take! At Cover-More, we can provide limited travel insurance cover for pregnancy up to the 24th week (23 weeks, 6 days). The Cancellation Extensions benefit upgrade on our Domestic Comprehensive and Domestic Comprehensive+ Plans, may also provide cover for cancellations 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^^).
For more information, read our travel insurance cover for pregnancy page, or call us on (0800) 500 225 with any questions.
Limits, exclusions, and conditions apply, so please refer to the Policy Wording for full policy conditions before you consider purchasing this product.
^^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.
What is the best domestic travel insurance for senior travellers?
Your “golden years” are an ideal time to explore – why not start with New Zealand?
At Cover-More, our domestic plans have several benefits suitable for seniors if you are younger than 99 years old. Visit our travel insurance benefits for seniors page and our seniors FAQs page for helpful information on how to protect your upcoming domestic trip with Cover-More.
If you’d prefer to speak to someone about our domestic travel insurance options that are suitable for seniors, you can call our friendly team on (0800) 500 225. Alternatively, you can get a quote online.
Want us to protect your next New Zealand holiday?
Find our best domestic travel insurance plan for you today.