Online Travel Insurance Offer





  Why choose Travel Insurance with us?

As a HealthCarePlus Member, if you apply online for travel insurance you are entitled to a Member-only discount.

We've partnered with Cover-More to offer travel insurance policies at a discounted rate that are designed to protect you and your family when the unexpected happens on holiday*.
Cover-More Travel Insurance brings you premium 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 Online Travel Insurance Offer, you can get

A 15% Member-Only Discount

And Covid-19 Benefits Available on the Options Policy*

Get a quote now and use the code: "HCPTRAVEL" 


Key benefits of Cover-More travel insurance



Untitled design


Covid-19 Benefits

Cover-More's Options Plan has cover to help protect you from some unforeseen expenses related to COVID-19.

See the COVID-19 Benefits page and Policy Wording



medical and dental expenses


Medical and Dental Expenses

Cover for unexpected medical and dental expenses if you get sick or injured on holiday

See the  Policy Wording


additional expenses cover


Additional Expenses Cover

Benefit to protect you from unforeseen additional expenses incurred during your travels

See the  Policy Wording


cancellation & amendment costs


Cancellation & Amendment Costs

Choose your level of protection in case you need to cancel or amend your trip because of a coverable reason

See the  Policy Wording

luggage & documents insurance


Luggage & Documents Insurance

Cover if your travel documents or luggage is lost, stolen or damaged on holidays

See the Policy Wording

delayed luggage cover


Delayed Luggage Cover

Get a baggage allowance if all your luggage is delayed overseas for more than 24 hours on your journey

See the Policy Wording

travel delays benefit


Travel Delays Benefit

Benefit for additional accommodation expenses if your pre-booked transport is delayed for at least 6 hours

See the Policy Wording

money cover


Money Cover 

Cover for money up to the benefit limit if it accidentally gets lost or stolen whilst on your person

See the Policy Wording

resumption of journey


Resumption of Journey

Policy benefit to help you continue on with your trip after having to unexpectedly return home

See the Policy Wording

money cover


Rental Car Insurance Excess 

Cover when you are liable to pay the rental car insurance excess if your rental vehicle is damaged or stolen

See the  Policy Wording

cover for disability


Cover for Disability

Cover for total loss of sight or use of a limb that occurs after you suffer an injury on your trip

See the Policy Wording

loss of income cover


Loss of Income Cover

Protect yourself from income loss if you suffer an injury whilst travelling and can't return to work

See the  Policy Wording

hijacking cover


Hijacking Cover

Cover if your public transport is hijacked and you’re forcibly detained by the hijackers

See the Policy Wording

legal expenses


Legal Expenses

Cover for reasonable legal expenses if you're falsely arrested or wrongfully detained by a government or foreign power

See the Policy Wording

personal liability cover


Personal Liability Cover

Protection if you're unintentionally legally liable to pay compensation for property damage, injury or death to someone else

See the Policy Wording

accidental dealth cover


Accidental Death Cover

Payment to your estate if you suffer an injury overseas resulting in your death

See the Policy Wording


The above section is a summary of the benefits available on some Cover-More policies. You should always read the Policy Wording as limits, sub-limits, conditions and exclusions apply to the cover. Coverage is determined when a claim is submitted for consideration.


— We have Two Types of Policies


We’ve arranged 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. 



Options policy

Options is Cover-More’s comprehensive travel insurance policy, with some unique optional extras allows you to choose the cover that suits you best.

This plan includes unlimited~ cover for overseas emergency medical and dental expenses, as well as optional cancellation cover, protection in case of loss or theft of luggage and travel documents, and more. So get a quote below and remember to use the code 'HCPTRAVEL' to get a 15% Member discount.

Get a quote now and use the code: "HCPTRAVEL" 


Essentials policy

Essentials is popular with a variety of travellers looking for a budget-friendly international travel insurance option, such as students and backpackers.
It includes unlimited~ cover for overseas medical expenses, emergency dental expenses, optional trip cancellation protection, luggage and travel documents, and more. So click below to get a quote and remember to use the code 'HCPTRAVEL' to get a 15% Member discount.

Get a quote now and use the code: "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.
Financial rating: ZAIL has an insurer financial strength rating of AA- from Standard & Poor’s (Australia) Pty Ltd. Find out more here.







Travel Insurance documents