Cover-More Travel Insurance
Travel insurance administered by Cover-More (NZ) Ltd and underwritten by Zurich Australian Insurance Limited, trading as Zurich New Zealand.
Who provides this policy
Read from the insurer's own website and the Financial Service Providers Register on 30 September 2026.
- Issuer and underwriter
“Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand.”
source: covermore.co.nz- FSP registration
- FSP39781 — Cover-More (NZ) Limited source: fsp-register.companiesoffice.govt.nz
- FSP26184 — Zurich Australian Insurance Limited (trading as Zurich New Zealand) source: fsp-register.companiesoffice.govt.nz
- Official website
- covermore.co.nz
- Phone
- 0800 500 225 (Customer service)source: covermore.co.nz
- Policy wording
- Cover-More policy wording documents
Insurer profile · Policy details checked against the published wording on 30 September 2026
Cover-More Travel Insurance NZ: What the Policy Wording Says
This page summarises Cover-More's New Zealand travel insurance from the policy wording Cover-More publishes. It does not rate the product or say whether it suits you — we do not rank insurers. Use it to find the right sections of the wording, then read them yourself: the wording is the contract.
Who issues Cover-More travel insurance
The insurer is Zurich Australian Insurance Limited (incorporated in Australia), trading as Zurich New Zealand. Cover-More (NZ) Limited arranges the insurance and acts on behalf of the insurer to enter into, vary and cancel policies.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.22
The same insurer and administrator also provide AA Travel Insurance, which has its own separate wording, plans and limits. See AA and Cover-More side by side.
Key terms in the current policy wording
The wording applies to policies issued on or after 14 January 2026. Each row is a short summary with the page to read; limits, sub-limits, conditions and exclusions apply to every benefit. Cover-More's Business plan has a separate wording that is not summarised here.Source: Cover-More policy wording documents, covermore.co.nz
| Term | What the wording says |
|---|---|
| Plans | International plans: Basic (Single Trip only), Comprehensive and Comprehensive+ (Single Trip or Annual Multi-Trip). Domestic plans: Basic, Comprehensive and Comprehensive+. There is also an Inbound plan for visitors to New Zealand.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.3–8 |
| Overseas medical expenses | Unlimited on all three international plans. Cover will not exceed 12 months from the onset of the illness, condition or injury.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.3 |
| Cancellation | On the international plans you choose the amount of cancellation cover from the options available; the amount chosen applies per policy. The domestic plans carry a fixed $10,000 for amendment or cancellation costs.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.3, 6, 10 |
| Excess | When travelling internationally you can choose the excess. The wording does not print a standard excess amount — it is shown in the quote and on your Certificate of Insurance.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.10 |
| Rental vehicle insurance excess | International plans: no cover on Basic, $5,000 on Comprehensive, $10,000 on Comprehensive+.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.3 |
| Pre-existing medical conditions | Excluded unless approved by the insurer. The wording sorts conditions into those that cannot be covered, those automatically included (listed in the wording), and those that need an online health assessment.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.16–17 |
| Adventure activities | Covered only if you select the relevant option (Adventure or Adventure+) and pay an additional premium.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.14 |
| Motorcycles and mopeds | Automatically included where the engine capacity is 250cc or less and the conditions in the wording are met; larger engines need the Riding+ option.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.15 |
| Snow sports | Excluded unless you pay an additional premium for Snow Sports or Snow Sports+.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.15 |
| Cruises | Cruise cover is available on the International and Inbound plans for an extra premium.Source: Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026), p.11 |
What to check in the wording before you buy
- The plan level. Basic, Comprehensive and Comprehensive+ differ in several benefits — rental vehicle insurance excess is one example — and Basic is sold for single trips only.
- Activity options. If you plan to ski, do an adventure activity or ride a motorcycle over 250cc, check which option you need and that it appears on your Certificate of Insurance.
- Existing medical conditions. Check whether each condition is automatically included, needs the online health assessment, or cannot be covered.
- Cancellation amount and excess. Both are chosen when you buy. The cancellation amount applies per policy, not per traveller, on the international plans.
- General exclusions. These apply across every section of the policy.
See how other New Zealand travel insurers set out the same terms, or ask for help with a quote.
What to check in the Cover-More Travel Insurance wording
SafeTravel, the Government's travel advice service, recommends checking that a policy covers the activities you have planned, your destinations and the needs of everyone travelling (SafeTravel — Travel insurance). These are the points worth comparing between any two policies:
| Feature to check | Where to find it in the wording | Why it matters |
|---|---|---|
| Overseas medical and evacuation | Table of benefits; the overseas medical and emergency expenses section | Treatment and evacuation overseas can be expensive, and the New Zealand Government will not pay these costs (SafeTravel). Check whether the limit is stated as a dollar amount or unlimited, and any sub-limits. |
| Pre-existing medical conditions | Pre-existing conditions section, and the insurer's medical assessment process | Some conditions may be covered automatically, some need an assessment and some are excluded. An undeclared condition can put a claim at risk. |
| Cancellation and amendment | Cancellation section and the list of covered reasons | Only the reasons listed are covered, usually only for events after you bought the policy. Check the limit against what you have prepaid. |
| Excess | Schedule / certificate of insurance and the excess clause | The amount you pay towards each claim. A higher excess usually lowers the premium, and some sections may carry their own excess. |
| Luggage and personal items | Luggage section; item and category limits in the table of benefits | Per-item limits are often much lower than the section total. Phones, cameras and jewellery may have their own limits or conditions. |
| Activities and sports | Activities list, general exclusions, and any add-on options | SafeTravel advises buying a policy that covers the activities you have planned. Skiing, diving, scooter or motorbike riding and cruises often have conditions or need an add-on. |
| Destinations and travel advisories | Region definitions on the schedule; general exclusions | Many policies will not cover travel to countries or regions SafeTravel advises against visiting. The region on your quote must match your trip. |
| Age and trip-length limits | Eligibility section; annual multi-trip conditions | Insurers set their own maximum ages and trip lengths, which can differ by plan. |
| Rental vehicle excess | Rental vehicle section (sometimes an option) | Covers the excess charged by a rental company after damage or theft, within the policy's conditions. |
| General exclusions | General exclusions section | Applies across the whole policy — for example alcohol or drug-related events, unlicensed driving, or known events at the time you bought cover. |
Frequently Asked Questions
Who issues and underwrites Cover-More Travel Insurance?
The policy wording says the insurer is Zurich Australian Insurance Limited, trading as Zurich New Zealand. Cover-More (NZ) Limited arranges the insurance and acts on behalf of the insurer. The insurer's own website states: "Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand."
Where can I read the Cover-More Travel Insurance policy wording?
The insurer publishes it at https://www.covermore.co.nz/policy-wording-documents. The policy wording, together with your certificate of insurance, sets out exactly what is covered, the limits and excesses, and the exclusions. Read it before you buy, and check that the version matches the date you are buying.
How do I contact Cover-More Travel Insurance?
The insurer's website lists 0800 500 225 (Customer service). Its website is https://www.covermore.co.nz/. For emergencies while travelling, use the emergency assistance number printed in your policy documents.
Is this page a recommendation of Cover-More Travel Insurance?
No. This page is general information about who provides the policy and where to read its wording. To request a quote through this site, use the quote form: your details go to Evolve Group Limited (FSP711891), who will contact you.
Does Cover-More cover adventure activities and skiing?
Not automatically. The wording says adventure activities are covered only if you add the Adventure or Adventure+ option, and snow sports only if you pay for Snow Sports or Snow Sports+. Motorcycles and mopeds of 250cc or less are included if the conditions in the wording are met.
Does Cover-More cover pre-existing medical conditions?
Existing medical conditions are excluded unless approved by the insurer. Some conditions are automatically included if they meet the criteria listed in the wording; others need an online health assessment, and some cannot be covered.
Is overseas medical cover unlimited on Cover-More policies?
The wording shows overseas medical expenses as unlimited on the Basic, Comprehensive and Comprehensive+ international plans, for no more than 12 months from the onset of the illness, condition or injury. Exclusions still apply.
Sources
- Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026)
- Cover-More policy wording documents, covermore.co.nz
Checked on 30 September 2026. Insurers change their wordings; the document on the insurer's site at the time you buy is the one that applies. This page is general information, not financial advice.
Request a quote
This page is general information about who provides Cover-More Travel Insurance; it is not a recommendation. To request a quote, send your trip details through the quote form; they go to Evolve Group Limited (FSP711891), who will contact you.