Cover-More Reviews & Buyer Experiences

Cover-More is a travel insurance provider known for its comprehensive coverage and customer focus in New Zealand. The brand emphasises protection for a wide range of travellers, including those with pre-existing medical conditions. It aims to offer support during emergencies and various travel scenarios.

Cover-More provides travel insurance products that cover emergency medical assistance, COVID-19 related issues, and adventurous activities. The service includes claims handling and 24/7 emergency assistance, with policies available for travellers up to 99 years of age. The brand balances extensive activity coverage with responsive customer service.

Cover-More Highlights

• 24/7 emergency assistance
• Coverage for over 80 activities
• Support for pre-existing medical conditions
• Claims handling services
• Traveller age coverage up to 99 years

The International Basic plan is tailored for travellers seeking essential coverage with a focus on unlimited overseas medical expenses and COVID-19 protection before and during trips. It suits straightforward travel needs without comprehensive additional benefits.

This policy includes luggage cover up to $5,000 and offers optional cancellation cover for added flexibility. Coverage for existing medical conditions is also available, accommodating varying medical requirements.

Both single trip and annual multi-trip options are included, providing choices for different travel frequencies. Pricing details are not provided in the available information, leaving cost considerations dependent on further inquiry.

Cover-More International Basic

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International Comprehensive provides extensive protection including luggage cover up to $30,000 and rental vehicle comprehensive insurance. It is designed to support travellers with wide-ranging needs and higher benefit limits.

This plan offers unlimited overseas medical expenses along with coverage for COVID-19 diagnoses occurring during the trip. It also includes cancellation cover with extensions and benefits specific to business travel.

Available as single-trip or annual multi-trip policies, it also covers existing medical conditions. Pricing details were not included in the source information provided.

Cover-More International Comprehensive

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Premium International Basic offers coverage tailored to essential travel emergencies, including unlimited medical expenses and support for COVID-19 related claims. It provides a step up from the basic plan with additional features for peace of mind. This plan is suited for travellers looking for cost-effective options without compromising necessary protection.

The policy includes options for single trips or annual multi-trip coverage, catering to varied travel needs. Optional add-ons such as cancellation cover and existing conditions protection further enhance the plan's flexibility. These features aim to address common concerns for budget-conscious travellers.

While pricing details are not listed in the provided information, the plan’s structure suggests an emphasis on balancing affordability with essential benefits. It is designed for those seeking practical insurance solutions with foundational coverage and some added protections for international travel.

Cover-More Premium International Basic

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Cover-More provides extensive coverage including pre-existing medical conditions and protection for over 80 activities, which is beneficial for a wide range of travellers. The availability of 24/7 emergency assistance worldwide and COVID-19 coverage for both pre-trip and on-trip situations adds practical value to its policies. The mobile app facilitates real-time alerts and simplifies the claims process, improving user convenience.

Some customers experience slow and complex claims processing, which may affect satisfaction for those needing urgent support. Additionally, customer service has been reported as inconsistent, potentially complicating issue resolution. The rental car excess coverage includes exclusions and conditions that could cause confusion, so policy details should be reviewed carefully.

Cover-More offers a range of travel insurance plans designed to suit various trip types and traveller requirements, including single trip, annual multi-trip, domestic, international, and inbound coverage. The policies protect against unforeseen medical and dental emergencies, trip cancellations, lost or delayed luggage, travel delays, and other common travel risks. Coverage also includes specific provisions for COVID-19 related illnesses before and during travel.

Key features include unlimited overseas emergency medical expenses, optional cancellation and amendment cover, and protection for over 80 adventurous activities. Additional special add-ons are available for cruises, snow sports, and motorcycles. These options provide flexible customization to match individual travel styles and anticipated risks.

Claims with Cover-More can be submitted online at any time, 24/7, allowing travellers to file claims conveniently from anywhere up to 60 days after returning home. The submission requires supporting documents such as receipts and medical reports, with a dedicated claims team available for assistance via phone or app. Updates on claims can be accessed through the app or phone support.

Supporting Services: These include an online claims submission tool, 24/7 emergency assistance and helpline, claim status updates via app and phone, and medical assessments for pre-existing conditions before travel. Although some users report delays and communication challenges, support services remain widely accessible.

Cover-More provides a 21-day cooling-off period from the date of policy purchase during which travellers can cancel their insurance. This option is available only if the trip has not started and no claims have been made. No cancellation fees apply during this cooling-off period.

The traveller must be at home and must not have made or intend to make any claims for cancellation to be valid. The cooling-off period is not available once travel has begun or after a claim has been initiated. These conditions must be met for cancellation under this policy.

Insurance documents and policy information are delivered electronically via email and accessible through the Cover-More mobile app. This service is available exclusively to travellers in New Zealand. Physical documents are not typically provided, as all policy details can be viewed and claims submitted using the mobile app.

Delivery of documents is immediate upon purchase, ensuring instant access to policy information. There are no shipping costs or restrictions, and no tracking is necessary due to the digital delivery method. Access is maintained via the email link and app without any physical shipment involved.

You can contact Cover-More support through several channels for any assistance you require. These include phone numbers, email, and the mobile app to ensure you find the help you need efficiently.

• Customer service phone: (0800) 500 225 (within New Zealand)
• Emergency assistance phone: +61 2 8907 5240 (international)
• Email: [email protected]
• Cover-More mobile app with a tap-to-call feature

Support teams are available 24/7 for emergencies, with distinct services for general inquiries and claims. Please reach out whenever you need assistance.