Domestic Travel Insurance FAQs

Mishaps and events outside of your control can happen as easily in New Zealand as they can while you are on holidays overseas. With domestic travel insurance cover, you can be protected against lost luggage and travel documents, rental vehicle insurance excess costs, additional expenses, choose your cover for amendment or cancellation costs, and more.

The 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 applies to certain benefits only.

As a Cover-More domestic policyholder, a $25 excess applies to each claimable event. Other excess amounts may be available.

Our domestic plans provide limited cover for medical expenses in New Zealand.

Unforeseen medical expenses on board a cruise ship may be covered if you have selected Domestic Cruising for the area of travel and you answered “Yes” to travelling on an ocean or sea-going cruise for two or more nights.

In this case, you will be able to choose from one of our International Plans to provide cover for overseas medical expenses (including those you may incur on a domestic cruise ship).

At Cover-More, we offer three different domestic travel insurance plan options to suit the varying needs and budgets of New Zealand travellers:

1. Domestic Comprehensive+
2. Domestic Comprehensive
3. Domestic Basic

You can choose the best domestic travel insurance plan for your trip, as well as include additional protection, such as Snow Sports Cover, Motorcycle/Moped Riding Cover, and Adventure Activities Cover.

If you’re looking to protect your trip with Cover-More travel insurance cancellation cover, you can select a suitable level of cancellation cover while generating a quote for an additional premium. This can be added to all our domestic travel insurance plans.

For a side-by-side comparison of our domestic travel insurance plans, visit our domestic travel insurance page. Always read the Policy Wording before you consider purchasing travel insurance.

As a Cover-More domestic policyholder, if your journey takes you 100 kilometres or more from your place of residence, cover for your trip can be provided up to the trip duration you have selected.

If you’re a frequent traveller, you may wish to consider an Annual Multi-Trip policy for your domestic travel insurance. Annual Multi-Trip policies are available on our Domestic Comprehensive and Domestic Comprehensive+ plans.

This type of policy provides coverage for an unlimited number of domestic journeys within a 12-month period, as long as each journey is more than 100 kilometres from your place of residence and each individual trip does not exceed the maximum duration selected.

Limits, exclusions, and conditions apply. Check the Policy Wording when considering if our Domestic Annual Multi-Trip policy is right for you.

Our Cover-More domestic plans are available for purchase for those up to 99 years of age or younger, subject to acceptance criteria at the time of buying the policy, destination, and trip duration.

Give us a call on (0800) 500 225 and our team will see what coverage is available to you.