Inbound Travel Insurance FAQs

Our Cover-More Inbound Plan is designed for overseas residents who plan to visit New Zealand. Our inbound travel insurance can cover you for:

• Medical and emergency dental expenses
• Lost or stolen luggage and travel documents
• Delayed luggage
• Travel delays
• Additional expenses
• Accidental death
• Personal liability
• …and more

If you’re a tourist visiting New Zealand as well as other countries, our Inbound Plan could protect your entire journey if you’re spending most of your time in New Zealand. See the Policy Wording for the full list of benefit limits, exclusions, and conditions, including medical cover, which does not apply in your home country.

No. It is only available to people who live overseas and who are travelling to New Zealand.

If you are a New Zealand resident wanting to travel domestically, consider our domestic plans for this type of travel.

No, we are unable to offer a multi-trip plan for our inbound travel insurance to New Zealand.

If you plan on travelling to New Zealand multiple times a year, you will need to take out a new Cover-More inbound travel insurance policy each time.

To purchase a Cover-More Inbound Plan through our website, you need to first generate a quote online by following these steps:

1. Enter ‘New Zealand Inbound’ into the destination field under “Where are you going?”.
2. Select the dates of your trip.
3. Enter in the ages of the travellers to be covered by the policy.
4. Select ‘No’ when asked if all travellers live in New Zealand.
5. Click ‘Get Quote’ to go to the next page.
6. Include any options to vary your policy such as Snow Sports and Motorcycle/Moped Riding Cover for an additional premium.
7. Fill in your personal details.
8. Finalise your purchase.

Before buying an Inbound Plan, be sure to check out our Inbound Travel Insurance page and read the Policy Wording to ensure it is suitable for you.

When purchasing a Cover-More inbound travel insurance policy, you can choose the amount of excess on your policy: $0, $100 or $250.

Remember: the excess is the first part of a claim that we will not pay and will be applied to each claimable event.

Yes. Our Inbound Plan allows you to vary your cover to suit your travel needs.

You can add cancellation cover to your policy, as well as increase your luggage item limit cover to help protect valuable property you’re travelling with.

Planning to hop on a motorbike, go skiing, or participate in other adventure activities? You can also add the below cover options to your inbound travel insurance policy for an additional premium:

• Motorcycle/Moped Riding+ Cover 
• Snow Sports Cover or Snow Sports+ Cover
• Adventure Activities Cover or Adventure Activities+ Cover (for cover beyond those activities automatically covered)

Our Inbound Plan doesn’t automatically include cruise cover. However, if you are spending two or more nights on an ocean or sea-going cruise during your trip – and you tell us this when generating a quote – our Cruise Cover will be included in your policy for an additional premium. This cover can protect your trip from cruise cancellation, onboard medical and dental expenses, sea sickness, and more.

Please note: Cruise Cover is not required if you’re only on board for one night.

For full conditions on our cruise travel insurance cover in New Zealand for inbound travellers, please refer to the Policy Wording.

Yes. Our Inbound Plan is available for travellers who are 69 years or younger at the time of issue of the policy.

We can automatically cover some Existing Medical Conditions (EMCs) under an Inbound Plan.

Check out our Existing Medical Conditions page to find out which medical conditions we can automatically cover and the coverage criteria.

If your condition is not featured on this list or if your condition does not meet the criteria, there is no cover for any existing medical conditions.

For further information on Existing Medical Conditions, read the Policy Wording.

Yes. Our Inbound Plan is great for working holidays within New Zealand and provides cover for medical expenses, lost luggage, and more.

You can purchase our inbound travel insurance as part of your travel planning for a one-off payment, and cover is available for up to 365 days.

The limits, exclusions and conditions for our Inbound Plan are outlined in the Policy Wording.

Yes, but only if the majority of your time outside your home country is spent in New Zealand.

This benefit of our inbound travel insurance means if you decide to travel to other countries on your way to or from New Zealand, our Cover-More Inbound plan can still protect you.

Remember: no medical cover is available in your home country.

Always read the Policy Wording before you consider purchasing our travel insurance products.