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Is our travel insurance right for you? Read the Cover-More Policy Wording

We want to cover you, not ourselves. Take a tour of the Cover-More travel insurance Policy Wording to find out if we have the cover you want for the trip you’ve got planned.

Everyone loves curling up with a good Policy Wording, right?

OK, maybe not, but the information this document contains is super important – especially when it comes to knowing whether our travel insurance is the best choice for your amazing holiday.

We know we’ve got great cover, but is it right for you?

Before you hit that big ol’ ‘buy’ button, you’ve got to read the relevant Policy Wording from top to toe. (We’re being serious.) It’s got everything you need to know to help you make a good decision when it comes to buying a policy from us.

If we’ve got the goods you’re looking for, you can either get a quote and buy a policy on this very website or call us on (0800) 500 225 during business hours to get one over the phone. Easy.

 

Get quote

 

Already got yourself a Cover-More travel insurance policy? You can (re)read the relevant Policy Wording whenever you fancy it.

Our current plans (AKA the ones we’re selling right now):

You can download the Policy Wording for the plan you want to buy here.

Comprehensive+ (issued on or after 30 October 2024)

→ View the Cover-More Policy Wording

This is our ‘more is more’ plan. (Yes, it’s a bit like ordering the ice cream sundae with all the trimmings.) That’s because it’s our most comprehensive travel insurance plan with our best benefits and highest benefit limits, plus a bunch of cover options to help you match your policy to your trip.

This plan is available for:

  • Single trip policies
  • Annual multi-trip policies
  • International trips
  • Domestic trips  

Good to know: This plan includes some COVID-19 benefits, because this virus is still lurking.

 

Comprehensive (issued on or after 30 October 2024)

→ View the Cover-More Policy Wording

This is our most popular plan, and for good reason: it offers more cover and higher benefit limits than our Basic plan, which means you can worry less. It provides all the essential cover you need, plus much more (including some great cover options).

This plan is available for:

  • Single trip policies
  • Annual multi-trip policies
  • International trips
  • Domestic trips  

Good to know: This plan includes some COVID-19 benefits, because this virus is still lurking.

 

Basic (issued on or after 30 October 2024)

→ View the Cover-More Policy Wording

This plan does what it says on the tin – it offers budget-friendly cover for the essentials. It’s our base-level travel insurance plan for value-conscious travellers, and has cover for the all-important basics. (Think: unexpected overseas medical costs and unforeseen additional expenses.)

This plan is available for:

  • Single trip policies
  • Annual multi-trip policies
  • International trips
  • Domestic trips  

Good to know: This plan includes some COVID-19 benefits, because this virus is still lurking.
 

Inbound (issued on or after 30 October 2024)

→ View the Cover-More Policy Wording

Do you live outside of New Zealand and want to travel to New Zealand with our cover in tow? This is our comprehensive international plan designed for non-New Zealand residents who are travelling to and around New Zealand from an overseas destination.

This plan is available for:

  • Single trip policies

Good to know: This plan includes some COVID-19 benefits, because this virus is still lurking.

 

Business*  (issued on or after 18 October 2023)

→ View the Cover-More Business Policy Wording

Travel a lot for work? Lucky you! This is our travel insurance plan for business travellers (and their families who like to tag along and turn it into a ‘bleisure’ trip).

For more information or to buy this policy, please speak to our travel agent partners or call our team on (0800) 500 225 (You can’t buy it online.)

This plan is available for:

  • Annual multi-trip policies

Good to know: This plan includes some COVID-19 benefits, because this virus is still lurking.

 

Got a policy that was issued before the ones above?

Keep scrolling… we’ve got a bunch of older Policy Wordings below for you to flick through.

For policies issued between 9pm NZST, 29 May 2024 and 29 October 2024, use this: 

For policies issued between 18 October 2023 and up to 9pm NZST, 29 May 2024, use this:

For policies issued between 6 September 2023 and up to 9pm NZST, 29 May 2024, use this:

For policies issued between 9 September 2022 and 17 October 2023, use this:

For policies issued between 27 July 2022 and 17 October 2023, use this:

For policies issued between 27 July 2022 and 5 September 2023, use this:

For policies issued between 26 April 2022 and 5 September 2023, use this:

For policies issued between 27 July and 8 September 2022, use this:

For policies issued between 27 April and 26 July 2022, use this:

For policies issued between 9 February and 26 April 2022, use this:

Did you buy one of our travel insurance policies before 26 April 2022 and want to get your hands on a copy of the  Policy Wording? Our customer service team can help – call us on  (0800) 500 225.

Ready to plan, pack, and go?!

Choose the right travel insurance for you, today.   

 

GET QUOTE

 
 

*Our Business product is currently available only through our agents or by calling our customer service centre on (0800) 500 225. 

Any advice is general advice only. Consider the Policy Brochure and wording therein before deciding to buy this product.