What does travel insurance cover?

Single trip travel insurance policies for travel to Australia, or to other destinations, now cover COVID-19 medical expenses and limited cancellation expenses due to COVID-19. They also include 24/7 emergency assistance when you need it, as well as access to the unique Travel GP service.

Click below to view full policy benefits:

International Comprehensive
Domestic Comprehensive
Business Travel Insurance

What is travel insurance?

Travel insurance is a specific type of insurance that helps cover a number of costs and disruptions associated with travelling both domestically and overseas. Levels of cover differ per policy, however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. The destination, length of trip, specific activity add-ons and pre-existing medical conditions all help to determine the cost of a travel insurance policy. Policies can be purchased at the time of booking a trip up until the time a traveller leaves their home.

When is the best time to purchase travel insurance?

Purchasing a policy soon after a trip is booked has a number of benefits and increases a traveller's protection. When purchased ahead of time, a traveller can cancel their travel insurance policy for a full refund within the cooling-off period. If the policy is purchased before the customer leaves their home to depart for their trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made.

By considering travel insurance as an essential part of booking a holiday - not an after thought when at the airport - travellers are likely to be covered should an incident arise before take-off.

Why would I need travel insurance for domestic travel in New Zealand?

Domestic trip insurance helps cover you from unexpected disruptions associated with flying domestically, or if you have to cancel your travel due to illness. The Domestic trip insurance includes cover for items such as: lost luggage, flight cancellation or delay expenses. To find out more, click here to see how our Domestic trip insurance will cover you.



Travel GP services do not form part of your travel insurance policy. It is offered to customers at Cover-More's cost, and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will be considered.