air nz comprehensive travel insurance

Travel insurance with Covid-19 cover

Buy a travel insurance policy that can cover you for Covid-19. With medical expenses and including on-trip additional expenses cover, you can travel with peace of mind.

All international single trip travel insurance policies receive the additional benefits listed below relating to specified Covid-19 related events.

There are further exclusive benefits when travelling to New Zealand.

It is important to note that Covid-19 cover in the policy does not apply in the event that any government calls for border closures or travel restrictions.

• Cancelling your trip if you have Covid-19
• Emergency medical expenses
• Repatriation to help you get back home
• Your travelling companion(s) or people you live with being diagnosed with Covid-19

When travelling to New Zealand:

• Additional expenses if you are ordered to self-isolate in your holiday accommodation if you have Covid-19
• The people you're staying with on holiday being diagnosed with Covid-19

Find out more below and when you're ready, get your quote today.

When you book your flights online, you can also add our one-step travel insurance on the Extras page.

If you change your mind about your holiday, you can also request a refund or credit of your travel insurance policies.

On this page

What's covered

What's not covered.

Note: This is a summary of key benefits. Read the relevant policy wording for full benefits, exclusions and terms and conditions.

Eligibility

Policyholder must be an Australian citizen or resident.

Travel must originate in Australia.

Before you travel, you'll need to know:

• check that the Australian Government ( smartraveller.gov.au ) say it's safe to travel to your destination. It's important you check your destination is safe to visit regularly as advice can change. The cover for trips to New Zealand does not depend on the advice at smartraveller.gov.au
• check your destination's local government advice, safety guidelines and entry requirements.

Note: If the travel advice changes while you're on holiday, you will be covered if your destination was listed as safe when you commenced travel.

Please contact Cover-More Travel Insurance on 1300 728 016 or email [email protected] for any Covid-19 travel insurance queries.

Covid-19 Frequently Asked Questions

What countries does my travel insurance provide cover for.

Covid-19 cover is available to Australian residents and citizens travelling to New Zealand and to Norfolk Island. Cover to any other destination is only activated (i.e. cover is included) when the Australian Government - DFAT advice or updated on smartraveller.gov.au is downgraded from 'Do Not Travel' to "Exercise a high degree of caution".

If I fall ill with Covid-19, and require medical treatment overseas, are Medical expenses covered?

Yes. If you fall ill with Covid-19 during your trip, there is provision to claim medical and additional expenses, including the cost of extended quarantine if instructed by a Doctor or Government Health Agency. The policy also covers your travel companion listed on the Certificate of Insurance. (Note: Cover provided is subject to medical certification of a positive test result, and relevant medical and additional cost receipts are required to make a claim.)

If I fall ill overseas with Covid-19 and need to be repatriated home, am I covered?

Yes, there is provision to claim repatriation costs under the policy when travelling in New Zealand and other countries deemed safe-to-travel to, by the Australian Government.  Medical confirmation of this will be necessary from our assistance company

If I am diagnosed with Covid-19 and can't go on my trip, can I claim my cancellation costs?

Yes. There is provision to claim the non-refundable, prepaid costs under the cancellation section of your policy. If you bought the policy after showing symptoms or seeing a doctor, there is no cover.

Note: Your policy must have been purchased at least 21 days before your departure date.

I've decided I need to self-isolate due to possible contact with Covid-19 (not close contact) and no longer wish to travel. Can I claim for a trip refund under my policy?

There are no government restrictions in place to travel to my destination, but i'm required to quarantine on return from my trip. i no longer wish to travel and want to cancel my holiday. am i covered.

No. If your trip is impacted by government mandated quarantine restrictions, no cover is provided.

While on my trip, I'm denied entry to a country due to government restrictions imposed in the arriving county on travellers from countries I have visited en route or from which I have departed. Am I covered for the costs to change my trip?

No. If your trip is impacted by any government restrictions, government-issued bans, border closures and mandatory requirements, no cover is provided.

I am an essential Health Care worker and my leave is cancelled due to Covid-19. I need to cancel my trip. Am I covered?

Yes, there is provision to claim for cancellation costs.

My flight has been cancelled or re-scheduled due to Covid-19. Can I claim for a refund?

No. However, you may be eligible for a credit or refund from your airline or travel provider.

You are eligible for a 100% premium refund provided that you have not made a claim against the policy.

How do I make a claim?

It's quick and easy to lodge a claim with Cover-More's online claims centre . All you need to get started is your policy number.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.

We've got your whole trip sorted

Rental Cars

• Earn 3 Airpoints Dollars™ per rental day with Avis, Budget and Apex or pay for your booking with Airpoints Dollars . Exclusively available when booking through Air New Zealand.
• No mark-up or extra fees with our Price Match Guarantee . Pay Now will get you a great discount or choose Pay Later to maximise flexibility with free cancellation.

Travel Insurance

• Add travel insurance with Air New Zealand and choose to pay with Airpoints Dollars^.
• Includes limited cover for COVID-19 and cancellation cover.

Get a quote

Accommodation

• Accommodation is more than just hotels - you can also book baches, apartments, luxury lodges, and more, with over 700,000 properties available. 
• Save when you also book your flight with Air New Zealand with our Package Rates .*
• Airpoints members earn Airpoints Dollars on every stay and receive a discount of 10% or more on selected hotels.**

• Enjoy big savings on featured New Zealand, Australia & Fiji experiences -- attractions, jet-boats, wine tours and more. Earn Airpoints Dollars as you make memories.
• Support sustainable tourism  by selecting from over 170 Qualmark-endorsed experiences. 

Getting to the airport

Airport and valet parking.

For full terms and conditions on current special offer deals, see the offer specific landing pages for  hotels ,  rental cars  and  activities .

Earning Airpoints Dollars requires an Airpoints account.  Click here to sign up to Airpoints .

*Savings based on the advertised package rates available for qualifying stays during the period of 1 February 2022 – 31 January 2023 on Air New Zealand Hotels, as compared to the price of the same accommodation advertised separately as a non-qualifying stay. Savings will vary based on origin/destination, length of trip, stay dates and selected travel supplier(s). Savings available on selected accommodation only.

**The "10% or more" discount is an average discount based on the advertised Member Only rates available for Airpoints Members at selected properties, during the period of 1 July 2022 – 30 June 2023 on Air New Zealand Hotels. The discounts are available to logged-in Air New Zealand Airpoints members . The discount will be applied to the price of selected hotels (excluding applicable taxes and other fees). Prices displayed include the promotional discount and are per room per night based on two people sharing a room. Blackout periods may apply and a minimum hotel stay may be required. Please check individual hotel for details. Offers are subject to limited availability and may be discontinued without notice. Expedia's usual booking  terms and conditions apply .

^Airpoints Dollars are not earned on policies that are purchased using Airpoints Dollars. Airpoints Dollars are not earned on Domestic Trip Insurance policies.

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Comprehensive Travel Insurance

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Discover the benefits of protecting your overseas trip

Are you looking for comprehensive travel insurance for your international trip?

Our Cover-More comprehensive international travel insurance plans include an array of important benefits to help protect your trip from unexpected mishaps, including cover for:

Overseas Medical & Dental Expenses

Luggage & Travel Documents

Rental Vehicle Insurance Excess

.....and much more.

Plus, every Cover-More travel insurance policyholder gets access to our 24-hour global Emergency Assistance team , who are there to help whenever – and wherever – you need it.

Ready to get a quote ? You can compare our two international comprehensive travel insurance plans to help choose right the level of coverage for you.

Want to know more about our Cover-More comprehensive travel insurance? Keep reading.

Skip to read:

What is comprehensive travel insurance?

What does cover-more’s comprehensive travel insurance include, can i buy a comprehensive single trip or annual multi-trip policy, does cover-more comprehensive travel insurance include cancellation cover, what other travel insurance plans does cover-more offer.

Comprehensive travel insurance helps protect travellers with a broad range of benefits while they’re away from home. In comparison to a base-level, budget-friendly travel insurance plan, it often includes more benefits and higher benefit levels to help safeguard travellers from a wider range of incidents.

Beyond the usual benefits of emergency overseas medical expenses and luggage, comprehensive travel insurance plans can include coverage for travel provider insolvency, rental vehicle insurance excess, lost or stolen money, missed connections, hijacking, disability, accidental death, and much more.

We offer travellers two different plans – International Comprehensive+ and International Comprehensive – so you can choose the best comprehensive travel insurance for you and your trip abroad.

You can compare our plan benefits and maximum benefit limits below:

~ Cover will not exceed 12 months from onset of the illness, condition or injury.     ^Cover chosen applies per policy.     ^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip. * Sub-limits apply.     • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these item limits.

For full details of the terms, conditions, exclusions, limits, and sub-limits that apply, please read the Policy Wording before considering this comprehensive insurance product.

To find out how much our comprehensive travel insurance costs, get a free quote online.

Yes, our Cover-More comprehensive travel insurance plans are available to buy as either Single Trip or Annual Multi-Trip policies. This means we can provide quality cover for a one-off trip abroad, or multiple trips overseas (up to the maximum trip duration selected) during a 12-month period.

If you’re a frequent traveller, consider our Cover-More annual travel insurance policy option as it could save you time and money.

To compare the costs of our Single Trip and Annual Multi-Trip comprehensive travel insurance policies, get a quote now.

Our comprehensive travel insurance plans don’t automatically include cover for amendment or cancellation costs.

Instead, we give our customers the freedom to add a level of cancellation cover during the quote process that best suits their travel plans.

Typically, people look to choose an amount that will cover all prepaid travel tickets, hotels, tours, or other travel-related expenses for all travellers on the policy. The level of cover you choose will be the total amount of cover available under the cancellation benefit on a per policy basis.

Please note: if you include Cover-More’s travel insurance cancellation cover in your policy, it will influence the premium you are charged.

Don’t need a comprehensive travel insurance plan? We also have an International Basic travel insurance plan for those who want a basic level cover for a more budget-friendly price.

Travelling within New Zealand? We have two comprehensive Domestic Plans , both of which are available on Single Trip and Annual Multi-Trip policies.

If you need help finding a plan that works best for you, call our customer service team on (0800) 500 225.

Ready to insure your trip?

Let us help you travel more and worry less with comprehensive cover.

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Quick Links

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International Comprehensive

Comprehensive travel insurance.

We’ve seen a lot of the problems that could go wrong on your trip, from lost luggage to medical emergencies. We don’t want to scare you off from exploring the world, we just want you to return home safely with all your stuff. That’s why our International Comprehensive policy provides cover for unexpected events.

Buy an International Comprehensive policy now

Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.

Options to increase up to Unlimited

Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to New Zealand.

Cover for lost, stolen or damaged items and help to purchase essential clothing and toiletries, if your bags are delayed, misdirected or misplaced for 12 hours or more.

Includes financial support for you or your loved ones if you’re injured whilst on your journey.

Cover towards legal liability for damages, compensation and legal expenses. For each paying person. No excess applies.

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged. For each paying person. No excess applies.

Cover for your pets to remain in a boarding facility if your return home is delayed.

Up to $100 a day.

Cover for unused, non-refundable childcare costs.

This table is a summary of the International Comprehensive policy benefits and shows the maximum cover under each benefit for each paying person (unless cover otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here:  International Comprehensive , Annual Multi-trip ,  International Medical Only ,  Domestic ,  Working Overseas ,  Visiting New Zealand ,  International Student