Travel Insurance





  Why choose Travel Insurance with us?

As a HealthCarePlus Member you are entitled to discounted travel insurance.
We've negotiated a travel insurance offer with Cover-More which is designed to protect you and your family when the unexpected happens on holiday.
Cover-More Travel Insurance brings you world-leading comprehensive insurance for travel within New Zealand and around the world. For more than 30 years, Cover-More travel insurance and their 24/7 emergency assistance services have helped Kiwis all over the world.

With our Travel Insurance you can get  

A 15% Member-Only Discount

And Covid-19 Benefits Available on the Options Policy*

Call 0800 500 225 and quote HCPTRAVEL 


book with confidence1


Covid-19 Benefits*

Cover-More offers a wide range of  COVID-19 related benefits on Options policies to help you travel within New Zealand and overseas with greater confidence. Please note there is no cover for claims relating to government-issued travel bans; government directed border closures; or mandatory quarantine requirements related to cross area, border, region or territory travel. 





Access to Travel GP~

Cover-More NZ customers have access to the Travel GP service free of charge. If you’re feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.





24/7 Emergency Assistance

Cover-More's medical assistance team of travel advisors, translators and medical experts are on call around the clock, so help is only ever a phone call away.  They’re here to help ensure you are safe, well, and can keep travelling.


Covid-19 benefits - travel insurance


Free Cover for children

Free travel cover for accompanying children or grandchildren under 21.




Luggage and travel documents

Cover-More offers up to $25,000^ for luggage and travel documents in the premium international plan. Cover items like cameras, laptops and mobile phones.




Rental Car Insurance Excess 

If you’re hiring a car, there is cover included on the International 'YourCover' plan for up to $10,000 for rental car insurance excess. So if you’re involved in an accident your out of pocket expenses won’t be so high.




Existing Medical Conditions

Cover-More provides cover for a range of existing medical conditions. There are 36 automatically included conditions in our policies, and you can apply for cover of other existing medical conditions. 


travel amendment


Travel Delay/Cancellation

Cover-More automatically include coverage for travel delays of over 6 hours, up to $2,000. For cancellation cover you can customise your policy by selecting an amount that suits your needs.




Sports/ Activities automatically included

Cover-More policy already covers you for a large range of adventure sports! To see a full list of popular activities they automatically cover, check them out here.


— We have Two Types of Policies


We’ve negotiated two travel insurance policies with Cover-More at a discounted rate. They are designed to protect you and your family when the unexpected happens on holiday. Both Options and Essentials are available as Single Trip or Annual Multi-Trip policies. If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy. The COVID-19 benefits are available on Options policies. Read this COVID-19 FAQs for more details.



Options policy

Options is Cover-More’s comprehensive, with some unique optional extras so you can tailor your cover to your needs.

Options is available as a Single Trip or Annual Multi-Trip policy. If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy.

Call 0800 500 225 and quote HCPTRAVEL 


Essentials policy

Essentials is a base level product including medical, additional expenses and cancellation options. Winter sports cover is also available (at an additional premium) when purchasing an Essentials policy.

Call 0800 500 225 and quote HCPTRAVEL 



Who is Cover-More?

Cover-More is a leading travel insurance provider in New Zealand and Australia and has longstanding partnerships with major travel agency networks and airlines including Flight Centre Travel Group and Air New Zealand.

Cover-More has operations in 22 countries across five continents with leading market positions also in Ireland, India, in the USA and in Latin America.

Cover-More Group was acquired by Zurich Insurance Group in 2017.







Travel Insurance documents