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⭐ In-Depth Review | Updated September 2026

Cover-More Travel Insurance Reviews

Cover-More is a travel insurance specialist founded in Sydney in 1986 and operating in New Zealand since 2007. Its NZ policies are underwritten by Zurich New Zealand and every international plan carries unlimited overseas medical cover. We looked at its policy wording, its Google and Trustpilot ratings, and what customers say about claims.

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Last reviewed: 28 September 2026 • Sources: Trustpilot, Google (brand-reported), Feefo, Cover-More NZ Policy Wording
N/A/5
Poor Average Excellent
Limited
total reviews
"Our trip cancellation claim went through smoothly. Communication was excellent and the team was professional from start to finish."
Trustpilot (NZ reviewer), 2026 ★★★★★
"My husband was hospitalised in Spain. The claim was approved, but paying the hospital dragged on for months despite repeated promises."
Trustpilot (NZ reviewer), 2026 ★☆☆☆☆
"My husband broke his femur in Rome. The 24/7 emergency team arranged support and repatriation, and the claim was handled efficiently."
Trustpilot (Australian reviewer), 2026 ★★★★★
"After my bag was snatched it took a month to hear back, only to be asked again for documents I had already sent."
Trustpilot (Australian reviewer), 2026 ★☆☆☆☆
"Our bushfire cancellation claim was reimbursed in full. It was complex and took time, but it was handled professionally."
Trustpilot (Australian reviewer), 2026 ★★★★☆
"My phone was pickpocketed in Rome. Lodging the claim was easy and the payout, less the excess, arrived within weeks."
Trustpilot (Australian reviewer), 2026 ★★★★★
N/A
No verified NZ customer rating

In This Review

Company Overview Ratings Breakdown Customer Review Highlights Products Offered Pricing Deep-Dive Pros & Cons How Cover-More Compares Alternatives to Cover-More Who Is Cover-More Best For? Our Verdict Frequently Asked Questions Our Methodology

Company Overview

What is Cover-More and who's behind it?

Cover-More is a specialist travel insurance brand that started in Sydney in 1986. It set up in New Zealand in 2007 under the Travelsure name, later rebranded to Cover-More, and says it has looked after more than 15 million travellers globally. Zurich Insurance Group acquired Cover-More in 2017.

In New Zealand the policies are arranged and administered by Cover-More (NZ) Limited (FSP26184) and underwritten and issued by Zurich Australian Insurance Limited, trading as Zurich New Zealand. The current policy wording (effective 14 January 2026) states that Zurich's insurer financial strength rating is AA- from Standard & Poor's, and that Zurich New Zealand is a signatory to the Fair Insurance Code.

Cover-More also sits behind some other NZ travel products. For example, AA Travel Insurance policies issued from 1 December 2025 are underwritten by Zurich New Zealand and distributed, arranged and administered by Cover-More (NZ) Limited. The direct Cover-More range includes:

Policies are bought online at covermore.co.nz or by phone on 0800 500 225. The 24-hour emergency assistance team handled around 300,000 calls and 1,400 medical evacuations globally in 2024, according to the brand's own figures. Complaints that cannot be resolved internally can go to the Insurance & Financial Services Ombudsman (IFSO).

Ratings Breakdown

How customers rate Cover-More across review platforms

Google (Cover-More NZ)
4.8
★★★★★
Count not published
Brand-reported, correct as of 28 July 2026. Not scored, as it cannot be verified
Trustpilot (covermore.com.au, Australia)
3.2
★★★☆☆
263 reviews
Australian profile, not scored for NZ
Feefo (Cover-More NZ)
N/A
N/A
157 reviews (historic)
No longer an active Feefo customer
S&P (Zurich, underwriter)
AA-
N/A
Financial strength rating
Per the January 2026 policy wording

Note on rating differences: Cover-More's ratings point in different directions. Cover-More NZ reports a 4.8 Google rating on its own site but does not publish the review count, so we could not verify the sample. There is no NZ-specific Trustpilot profile. The covermore.com.au Trustpilot profile scores 3.2 from 263 reviews and is sharply split (46% five-star, 45% one-star), and most of its reviewers are Australian policyholders on different policy terms. The NZ Feefo profile holds 157 older reviews but is no longer active. Because none of these is a verifiable, current NZ customer rating (the Google figure is brand-reported, the Trustpilot profile is Australian and the NZ Feefo profile is inactive), we do not show an overall customer score for Cover-More NZ. The Australian Trustpilot figures are shown for context only. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Customers Are Saying

Common themes from 263 Trustpilot reviews, including recent reviews from New Zealand

Trip cancellation claim was handled smoothly, with clear communication and professional support the whole way through.

Trustpilot (NZ reviewer), 2026 ★★★★★

The claim for my husband's hospital stay in Spain was approved, but the hospital still had not been paid months later. Promises kept being made and broken.

Trustpilot (NZ reviewer), 2026 ★☆☆☆☆

A health problem forced us to cancel a Spain and Portugal trip. The full airfare cost was reimbursed within about five weeks.

Trustpilot (Australian reviewer), 2026 ★★★★★

My wife developed shingles mid-trip. We lodged the claim and then got the run-around, with promised callbacks from the claims team never arriving.

Trustpilot (Australian reviewer), 2026 ★☆☆☆☆

Lost prescription sunglasses were approved and paid promptly, minus the excess. No complaints at all.

Trustpilot (Australian reviewer), 2026 ★★★★★

Passports were stolen in January and the claim is still dragging on because the same documents keep being requested.

Trustpilot (Australian reviewer), 2026 ★☆☆☆☆
51%
Rate Cover-More 4 or 5 stars
45%
Rate Cover-More 1 star
46%
Give the top 5-star rating
4%
Rate 2 or 3 stars

Reviews are paraphrased summaries of real customer reviews, not direct quotes. Theme percentages are the star distribution shown on the covermore.com.au Trustpilot profile (263 reviews) as viewed in September 2026. Most of those reviewers are Australian, so their experience may not match NZ policies. Reviews marked NZ reviewer were posted by reviewers located in New Zealand.

Products Offered

Cover-More focuses on travel insurance only, with international, domestic, cruise and inbound options

✈️ Cover-More International Travel Insurance

Available

Three single-trip plans. Basic, Comprehensive and Comprehensive+ all include unlimited overseas medical expenses (for up to 12 months from onset). Cancellation cover is chosen by you, and luggage limits run from $5,000 to $30,000 per adult. See the policy wording.

Unlimited overseas medical (all plans)
Luggage $5,000 / $20,000 / $30,000
Cancellation cover you choose
Rental vehicle excess $5,000 / $10,000
Travel delay up to $3,000
21-day cooling-off period
Indicative $50-$120 for a 1-week comprehensive trip
Visit Website Compare Travel Insurance

🔁 Cover-More Annual Multi-Trip

Available

Comprehensive or Comprehensive+ cover for an unlimited number of trips in a year, up to the maximum journey length you choose. Trips within NZ are included if they are more than 100 km from home or include a paid night's accommodation.

Unlimited trips per year
Choose maximum journey length
Domestic trips included (conditions apply)
Same benefits as single-trip plans
Indicative $200-$500/yr
Visit Website Compare Travel Insurance

🚢 Cover-More Cruise Cover

Add-on

Required for multi-night ocean cruises outside NZ's territorial sea. Adds unlimited on-board medical and ship-to-shore medical cover, cabin confinement ($100 a day) and missed port or shore excursion benefits ($1,000 each).

Unlimited on-board medical
Ship-to-shore medical
Cabin confinement $100/day
Missed port $1,000
Indicative $100-$200 per cruise trip
Visit Website Compare Travel Insurance

🇳🇿 Cover-More Domestic Travel Insurance

Available

Domestic Basic, Comprehensive and Comprehensive+ plans for trips within New Zealand. All include $10,000 cancellation cover. Luggage and rental vehicle excess cover apply on the Comprehensive and Comprehensive+ plans only.

Cancellation up to $10,000
Luggage $5,000 / $15,000 (not Basic)
Rental vehicle excess (not Basic)
Single trip or annual multi-trip
Quote-based pricing
Visit Website Compare Travel Insurance

🏠 Cover-More House, Car & Other Cover

Not Offered

Cover-More does not sell car, house, contents, pet, health or life insurance. For home and car cover, compare options such as AA Insurance or the insurance brand Cove.

Not available from Cover-More
N/A
Visit Website Compare Car Insurance

Pros & Cons

The good and the not-so-good based on the policy wording and customer reviews

👍 Pros

  • Unlimited overseas medical expenses on every international plan, including Basic
  • High Comprehensive+ limits, including $30,000 luggage and $10,000 rental vehicle excess
  • Underwritten by Zurich New Zealand, rated AA- by S&P
  • 21-day cooling-off period, longer than the 14 days some competitors offer
  • Cruise Cover add-on with unlimited on-board medical
  • Automatic cover for a listed set of existing medical conditions if criteria are met
  • Brand-reported 4.8 Google rating for Cover-More NZ

👎 Cons

  • Trustpilot profile (mostly Australian reviewers) is split, with 45% one-star reviews
  • Repeated document requests and slow claims are recurring complaints
  • Medical cover is capped at 12 months from onset, even though the dollar limit is unlimited
  • Cancellation cover is not automatic, so you need to choose an amount
  • Basic plan has no rental vehicle excess, travel delay or money cover
  • Google review count is not published, so the 4.8 rating is hard to verify

Pricing Deep-Dive

How much does Cover-More cost? Indicative ranges based on our travel insurance cost guide

Cover-More does not publish sample premiums, so the figures below are the market ranges from our travel insurance cost guide for the relevant type of cover, not Cover-More quotes. Cover-More sits in the comprehensive part of the market, so expect prices toward the middle or upper end of each range for Comprehensive+.

🏝️

Single Traveller - Australia

Adult aged 30-50
1-week trip
Comprehensive plan
$50-80
/trip (market range)
Basic cover $30-50 (market range)
Unlimited overseas medical on all plans
🗼

Single Traveller - Europe

Adult aged 30-50
1-week trip
Comprehensive plan
$70-120
/trip (market range)
USA $90-150 (market range)
Choose your own cancellation amount
🔁

Frequent Traveller

Annual Multi-Trip
Several short trips a year
Comprehensive plan
$200-500
/year (market range)
Single trips add up quickly
NZ trips over 100 km included

Disclaimer: These are indicative market ranges from our travel insurance cost guide, not Cover-More quotes. Your premium depends on destination, age, trip length, excess, cancellation amount, existing medical conditions and add-ons such as Cruise Cover. Get an accurate quote at covermore.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Affects Your Cover-More Premium?

🌍

Destination

Where you travel influences the premium. If 20% or more of a trip is in the Americas or Antarctica, that area must be nominated as the main destination.

📋

Plan Level

Basic, Comprehensive and Comprehensive+ share unlimited overseas medical but differ sharply on luggage, rental vehicle excess, travel delay and insolvency cover.

💰

Cancellation Amount

You pick the cancellation cover amount, and it applies per policy rather than per adult. A higher amount costs more.

🏥

Existing Conditions

Some listed conditions are covered automatically if criteria are met. Others need assessment and may add premium or be declined.

🎂

Age

Older travellers generally pay more. Our cost guide puts over-65 single-trip cover at around $120-$300 or more.

🚢

Add-ons & Excess

Cruise Cover, higher item limits and a lower chosen excess all increase the premium. A higher excess lowers it.

How Cover-More Compares

Cover-More vs other travel insurance options for New Zealanders

Feature Cover-More Southern Cross Allianz Partners World Nomads AA Travel
Overall Rating N/A Limited data 3.9/5 3.8/5 4.2/5 3.8/5 (AA Insurance)
Underwriter Zurich New Zealand Southern Cross Benefits Ltd Mitsui Sumitomo (MSI) Pacific International Insurance Zurich New Zealand
Overseas Medical (top plan) Unlimited Unlimited $20 million Unlimited (Explorer) Check policy
Annual Multi-Trip Yes Yes Yes No Yes
Cruise Cover Add-on Available Cruise Pack Check policy Check policy
Buy While Overseas Check policy Check policy No (before departure) Yes (72-hr wait) Check policy
Age Limit Check policy Check policy All ages 69 or younger Check policy
Cooling-off Period 21 days Check policy 14 days 21 days Check policy

Disclaimer: Figures are taken from each provider's published policy wording or website as of September 2026. "Check policy" means we did not verify that feature for this table. Features change, so verify directly with the insurer before buying. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Alternatives to Cover-More

Other travel insurance options worth considering, depending on your priorities

Southern Cross Travel Insurance logoSouthern Cross Travel Insurance
★★★★★

One of NZ's most recognised travel insurance brands, with tiered international, domestic and annual multi-trip plans. A commonly chosen alternative for travellers wanting a large NZ-based provider.

International & domestic
Annual multi-trip
Cruise cover available
24/7 emergency assistance
Read Full Review
Allianz Partners
★★★★★

Allianz Travel Insurance (formerly Worldcare) offers Comprehensive, Basic, Multi-Trip and Domestic plans for all ages, underwritten by Mitsui Sumitomo, with $20 million overseas medical.

All ages eligible
$20m overseas medical
Snow, Adventure & Cruise Packs
Multi-trip 15/30/45 days
Read Full Review
World Nomads
★★★★★

Adventure-focused cover for NZ residents aged 69 or younger. It can be bought or extended while you are already overseas, subject to a 72-hour waiting period.

Buy while travelling
220+ adventure activities
Explorer plan unlimited medical
Standard or Explorer plans
Read Full Review
AA Insurance logoAA Insurance
★★★★★

AA Travel Insurance is also underwritten by Zurich New Zealand and administered by Cover-More, so it may suit AA members who want similar underwriting under a familiar brand.

Essential & Comprehensive plans
Frequent Traveller (multi-trip)
Administered by Cover-More
Zurich underwriting
Read Full Review
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Who Is Cover-More Best For?

Cover-More may suit some travellers more than others

🏥

Medical Cover Seekers

Travellers who want unlimited overseas medical expenses even on the entry-level Basic plan, especially for destinations with high hospital costs such as the USA.

🚢

Cruise Passengers

People booking multi-night ocean cruises who want a dedicated Cruise Cover add-on with unlimited on-board medical and missed port benefits.

🚙

Road Trippers Overseas

Travellers hiring cars abroad, where Comprehensive+ offers up to $10,000 of rental vehicle insurance excess cover.

⚠️

Not Best For

Travellers who have already left NZ without cover should check eligibility first (World Nomads allows purchase mid-trip). It may also not suit anyone who puts heavy weight on consistently strong public review scores.

Our Verdict

Compare.org.nz's editorial assessment of Cover-More

7.6
out of 10
Very Good
Our editorial score for cover, price and claims. It is separate from the customer rating.

Cover-More's policy wording is among the strongest we have read for NZ travellers, but its public reviews are sharply divided.

On paper Cover-More is hard to fault. Every international plan carries unlimited overseas medical expenses, Comprehensive+ offers some of the highest luggage and rental vehicle excess limits we have seen, and the underwriter, Zurich New Zealand, holds an AA- financial strength rating. The 21-day cooling-off period and optional Cruise Cover add to its appeal for longer or more complex trips.

The customer picture is less clear. Cover-More NZ reports a 4.8 Google rating, but without a review count we cannot judge the sample. The Trustpilot profile we could inspect is split almost evenly between five-star and one-star reviews, with the negative ones concentrating on slow claims and repeated document requests. Most of those reviewers are Australian, and the two recent NZ reviews we found were one strongly positive and one strongly negative.

Cover-More may suit travellers who value high benefit limits and unlimited medical cover, and who are prepared to keep good records in case of a claim. It is worth comparing against Southern Cross and Allianz Partners on price for your specific trip.

Brand Trust
8.0
Product Range
7.5
Claims Process
6.0
Pricing
7.0
Customer Service
6.5
Policy Benefits
9.0

Frequently Asked Questions

Common questions about Cover-More

Cover-More NZ policies are underwritten and issued by Zurich Australian Insurance Limited, trading as Zurich New Zealand, and arranged and administered by Cover-More (NZ) Limited. Zurich holds an AA- insurer financial strength rating from Standard & Poor's, according to the policy wording.
Yes. The Basic, Comprehensive and Comprehensive+ international plans all list overseas medical expenses as unlimited. Cover is limited to 12 months from the onset of the illness, condition or injury, and the excess, exclusions and conditions in the policy wording still apply.
Yes. Zurich Insurance Group acquired Cover-More in 2017. Cover-More was founded in Sydney in 1986 and has operated in New Zealand since 2007.
Some. The policy wording lists existing medical conditions that are included automatically if you meet the stated criteria, such as no hospitalisation or treatment for the condition in the last 12 months. Other conditions need to be declared and assessed, and cover may cost more or be declined.
Cover-More offers a 21-day cooling-off period from the date of purchase. You get a full refund if you cancel within that time, provided you have not made a claim or started your trip.
Claims can be lodged online through covermore.co.nz, by emailing claims@covermore.co.nz or by calling 0800 500 225. Keep receipts, medical reports and proof of loss, as reviewers often mention being asked for extra documents. Unresolved complaints can be taken to the IFSO.

Our Review Methodology

How we research and rate insurance companies

Data Sources

This review is based on data collected from the following sources, last verified in September 2026:

How We Calculate Scores

Our editorial scores (out of 10) are calculated using a weighted methodology that considers:

  • Customer ratings (40%): aggregated scores from review platforms, weighted by review volume and by how closely the reviewers match New Zealand policyholders. Profiles dominated by other markets are given reduced weighting.
  • Product features (25%): benefit limits, plan choice, optional add-ons and policy terms compared with other travel insurance available to New Zealanders.
  • Pricing competitiveness (20%): market positioning and indicative premiums compared with the ranges in our travel insurance cost guide.
  • Claims experience (15%): customer-reported claims outcomes and speed, complaint themes, and dispute resolution arrangements with the Insurance & Financial Services Ombudsman (IFSO).

Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always read the policy wording and verify details directly with Cover-More before buying, and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Get a Quote from Cover-More

Go straight to Cover-More to request a travel insurance quote, or compare them against other NZ providers first.

Get a Quote from Cover-More