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% Off Member-Only Discount

And Covid-19 Benefits Available on the YourCover 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 to help you book your domestic or Trans-Tasman trip with 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 YourCover 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 single trip YourCover policies.



"YourCover" policy

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

YourCover 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. Cruise Cover add-on and standard snow 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 NZ has been listed as a finalist in the recent 2019 Australian and New Zealand Institute of Insurance and Finance’s (ANZIIF) annual Insurance Industry Awards in the ‘Innovation of the Year’ category.

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







Travel Insurance documents