Travel Insurance

Why insure

There’s nothing like travel to feed the soul and broaden the mind. And nothing like the unexpected to put a dampener on your plans.

With over thirty years of experience and more than 3.8 million journeys every year, Cover-More know how to give travellers peace of mind. Cover-More has operations based around the world, including Europe, China, India, Malaysia, USA, Canada, Australia, New Zealand and the UK. They know you want access to the best medical care, and they’ll ensure you get first world standard of care for the condition being treated, even if that means evacuating you. They know you want care around the clock and that’s why their medical assistance team are on call around the clock 24/7 to help you.

Quite simply, together with us here at Flight Centre, they want your trip to be as worry free as you do and will do everything they can to keep you travelling.

Yourcover Policy

Travel Insurance YourCover policy 

Planning, or already paid for your holiday? Protect your prepaid travel arrangements as soon as you pay for your holiday by purchasing travel insurance.

Cover starts from the time you purchase your travel insurance – covering you for unexpected events that may affect your holiday pre-departure, as well as protecting you during your trip.

YourCover is Cover-More’s comprehensive product, available as a Single Trip or Annual Multi Trip policy.


COVID-19 benefits are available on all YourCover and Business travel insurance policies.

Cover relating to COVID-19 is for New Zealand residents and citizens only. Inbound visitors to New Zealand are not covered for COVID-19 related benefits.

A range of COVID-19 benefits are available for travel within New Zealand and worldwide.

Full details, conditions and exclusions are outlined in the policy wording.

There is no cover for claims directly or indirectly arising from or caused by government-issued travel bans; “Do not travel” warnings; government directed border closures; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel. 

There is no cover for any transport or accommodation costs or expenses arising from a public health authority directing you into a period of quarantine which is mandatory for travellers related to cross area, border, region or territory travel. (This exclusion applies regardless of you being diagnosed with COVID-19 or having come into contact with a person diagnosed with COVID-19).

Please refer to the policy wording for full terms, conditions and exclusions.


  • International and Domestic Cover
  • 24/7 Emergency Assistance
  • Travel GP service
  • Online claims (lodge your claim whilst travelling)
  • Many existing medical conditions are automatically covered by the policy
  • On-the-spot assessments online or by phone for any medical conditions not automatically covered
  • Choice of Excess ($Nil, $100 and $250)
  • Children covered for free
  • Working holidays covered
  • Includes cover for travellers over 70 years
  • Rental car insurance excess

The YourCover policy, also enables you to tailor your travel insurance to suit your travel style by adding on optional extras (at an additional premium) such as:

  • Cancellation cover
  • Adventure
  • Adventure +
  • Motorcycle + (if planning on touring on motorcycles with an engine capacity over 250cc),
  • Snow Sports (if snow skiing/snowboarding on-piste, snowmobiling and cross-country skiing)
  • Snow Sports + (if snow skiing/snowboarding off-piste or heli-skiing/snowboarding).
  • If planning a multi-night cruise as part of your journey, it is mandatory to add on Cruise Cover (additional premium applies).

Benefits include cover for cabin confinement, onboard medical and dental treatment, ship to shore medical cover, missed ports, missed shore excursions and self-skippered boat insurance excess.

Essentials Policy

Essentials Travel Insurance Policy 

You can breathe easy with our Essentials Policy knowing you have a cost effective, reliable travel insurance policy that you can trust. Essentials is ideal for the younger OE traveller or the price conscious long-haul traveller aged 84 years and under. Provided by Cover-More, this policy has been designed for the under 85 year old traveller who wants essential cover at competitive premiums.


  • International Cover
  • 24 Hour Emergency Assistance
  • Choice of Excess ($Nil, $100 and $250)v
  • Single Trip or Annual Multi-Trip
  • Working holidays covered
  • Children covered for free
  • Cover for travellers up to 84 years

Add-on cover (additional premium applies) is available for:

  • Cancellation cover
  • Snow skiing, snowboarding and snowmobiling (on-piste)
  • Cruise cover add-on is mandatory if you’re planning a multi-night cruise as part of your journey.


Benefits include cover for cabin confinement, onboard medical and dental treatment, ship to shore medical cover, missed ports, missed shore excursions and self-skippered boat insurance excess.

Insurance is provided through CoverMore & specific conditions around qualifying will apply & must be met. For full conditions, speak to your Travel Expert.

Refer to the policy wording for full details of terms and conditions.

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