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Cover-More NZ review

Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026

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Our verdict

Cover-More Travel Insurance is a New Zealand consumer brand with international, domestic, single-trip and annual multi-trip plans. The company says Cover-More (NZ) Ltd administers the insurance and Zurich Australian Insurance Limited, trading as Zurich New Zealand, underwrites and issues it. The homepage describes plan choices, 24-hour emergency assistance and cover options for activities. Its official...

Key facts

Best for
New Zealand travelers comparing domestic, international, single-trip or annual multi-trip cover.
Insurance types
Travel↗
Provider type
Insurer↗
Cover limit
International Basic: overseas medical $Unlimited, overseas emergency dental $3,000↗
Claims channels
Online, Phone, Email, Post↗
Age range
Up to 99 years old↗
Legal entity
Cover-More (NZ) Limited↗
Headquarters
New Zealand↗
Founded
2007↗
Support channels
Phone, Email, Help-centre↗
Audience
Seniors
Official website
covermore.co.nz

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • The site lists several trip types and plan levels for eligible travelers.
  • Cover-More (NZ) Ltd is identified as administrator and Zurich Australian Insurance Limited trading as Zurich New Zealand as issuer and underwriter.
  • The company describes 24-hour emergency assistance and online claims.

Cons

  • Policy limits, exclusions and eligibility depend on the wording, plan and traveler.
  • The site warns that events can affect coverage; general summaries are not a substitute for policy wording.
Cover-More NZ

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • New Zealand travelers matching policy terms to a planned trip and activities.

Who should look elsewhere

  • Travelers seeking a coverage guarantee without reviewing the policy wording and alerts.

Trip types and plan levels

Cover-More New Zealand lists international and domestic insurance, single-trip and annual multi-trip policies, plus an inbound plan for eligible visitors. Three plan levels are described. Availability and benefits depend on policy type, destination and eligibility. Who administers and issues the policy The company identifies Cover-More (NZ) Ltd as administrator and Zurich Australian Insurance Limited, trading as Zurich New Zealand, as underwriter and product issuer. These are distinct roles.

Assistance, claims and policy wording

Cover-More describes 24-hour emergency assistance and an online claims portal. Its official information page lists supporting documents that may be needed for a claim and says the policy wording governs coverage. Read that wording and current event alerts before purchase.

How Cover-More NZ compares

Where Cover-More NZ is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (FMA) - transitional Financial Advice Provider licence (FSP39781), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Who issues Cover-More travel insurance in New Zealand?+

The company says Zurich Australian Insurance Limited trading as Zurich New Zealand underwrites and issues the policies, with Cover-More (NZ) Ltd as administrator.

Is the general information page a complete coverage summary?+

No. Cover-More directs customers to the relevant policy wording for benefits, limits, conditions and exclusions.

Which company operates Cover-More NZ?+

Cover-More NZ is operated by Cover-More (NZ) Limited. (Source, checked September 26, 2026)

Where is Cover-More NZ based?+

Cover-More NZ is based in New Zealand. (Source, checked September 26, 2026)

When was Cover-More NZ founded?+

Cover-More NZ was founded in 2007. (Source, checked September 26, 2026)

How can I contact Cover-More NZ support?+

Cover-More NZ offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)

Sources

  • covermore.co.nz checked September 26, 2026

    Backs: Age range, Audience

    “Yes, we cover travellers up to 99 years old.”

  • covermore.co.nz/about checked September 26, 2026

    Backs: Headquarters

    “Cover-More Travel Insurance, Level 18, 125 Queen Street, Auckland 1010, New Zealand”

  • covermore.co.nz/ai-information checked September 26, 2026

    Backs: Provider type, Founded, Insurance types

    “Product issuer: Zurich Australian Insurance Limited (ZAIL), incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand”

  • covermore.co.nz/faqs checked September 26, 2026

    Backs: Claims channels, Support channels

    “You can lodge a claim through our Online Claims Portal ... or by the post or email if you prefer.”

  • covermore.co.nz/fmca-regulation-229c-disclosures checked September 26, 2026

    Backs: Legal entity, Licences

    “Cover-More (NZ) Limited (FSP39781, trading as Cover-More) holds a transitional Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA)”

  • covermore.co.nz/travel-insurance/international-travel-ins... checked September 26, 2026

    Backs: Cover limit

    “International Basic (Single Trip) ... Overseas medical expenses $Unlimited ~ ... Overseas emergency dental expenses $3,000”

Compiled from 6 source pages, checked October 14, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Related by the facts

Cover-More NZ

Cover-More NZ

New Zealand travelers comparing domestic, international, single-trip or annual multi-trip cover.

9.1/10Visit