Updated September 29, 2026 · AssureCue Editorial Team
Auras vs Cover-More NZ
What sets them apart
| Compare |  Auras |  Cover-More NZ |
|---|---|---|
| Insurance types | Travel, Motorcycle, PetCovers more | Travel |
| Cover limit | 35,000 - 1,000,000 USD travel medical cover | International Basic: overseas medical $Unlimited, overseas emergency dental $3,000 |
| Claims channels | Phone, Email, Messenger, Online claim form | Online, Phone, Email, Post |
| Age range | 1 to 100 years | Up to 99 years old |
| Premium from | $1.50 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | $100 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Cover-More NZ scores higher overall: 9.1 vs 9.0.
- Founded is lower at Cover-More NZ: 2007 vs 2023.
- Insurance types: only Auras offers Motorcycle, Pet.
- Claims channels: only Auras offers Messenger, Online claim form.
- Claims channels: only Cover-More NZ offers Online, Post.
- Support channels: only Auras offers Chat.
- Support channels: only Cover-More NZ offers Help centre.
- Audience: only Auras offers Expats.
Our verdict on each
Auras
Auras is a young insurer writing travel, motorcycle and pet cover on monthly payments, which suits expats and seniors who want policies that start cheap. Premiums run from $1.50 against a site median of €8.37, and its licence is held in the Union of Comoros, far from many readers' markets.
Cover-More NZ
Cover-More (NZ) is a travel insurer for seniors based in New Zealand, and it covers travellers Up to 99 years old with unlimited overseas medical costs on its International Basic plan. Travel premiums sit at €8.37 across the site, so a quote is worth reading before you book.
Score breakdown
| Area | Auras | Cover-More NZ |
|---|---|---|
| Cost | 9.2The monthly model caps the first outlay, but the $100 excess means a small claim still costs money up front. | Not confirmed |
| Offer | 9.2Higher | 9.0 |
| Trust | 8.8 | 9.2Higher |
Which one suits you
Pick Auras if insurance types matter most.
Pick Cover-More NZ if trust matter most.
What each covers
| Insurance types | Auras | Cover-More NZ |
|---|---|---|
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
What we checked
Auras
- auras.insure: 14 facts, checked September 26, 2026
Cover-More NZ
- covermore.co.nz: 10 facts, checked September 26, 2026
How they place
| Ranking | Auras | Cover-More NZ |
|---|---|---|
| Travel insurance | 177 of 295 | 27 of 295 |
Every fact side by side
| Fact | Auras | Cover-More NZ |
|---|---|---|
| Audience | Expats, SeniorsCovers more | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | IC "Auras Insurance" LLC | Cover-More (NZ) Limited |
| Headquarters | Comoros | New Zealand |
| Founded | 2023 | 2007Lower |
| Support channels | Email, Phone, Chat | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Auras | Cover-More NZ | Median |
|---|---|---|---|
| Premium from | $1.50lowest quarter | Not confirmed | $16.09 |
| Excess from | $100at the median | Not confirmed | $100 |
Median across 61 listed insurance providers.
Pros and cons
Auras
Pros
- Travel medical cover runs to 35,000 - 1,000,000 USD travel medical cover.
- Claims can be opened by phone, email and messenger.
- The named audience is expats and seniors, listed under expats and seniors.
Cons
- The excess starts at $100, so a small claim still leaves money out of your own pocket.
- Cover stops at travel, motorcycle and pet, with no auto, home or life lines.
- The licence sits with the Union of Comoros under L16330/AI, and the head office is in Comoros.
Cover-More NZ
Pros
- Cover-More is an insurer, so the policy, the terms and the payout sit with the same company.
- Cover runs to Up to 99 years old, and seniors are the audience the brand is built around.
- Claims can be started online, phone and email, so a claim does not depend on a single route.
Cons
- Cover is limited to travel, so nothing else in the household can be placed with the same insurer.
- Pre-sale help runs on phone, email and help centre, so there is no live chat window in the mix.
- Travel premiums on the site spread €2.28 to €45.91, so two similar trips can price very differently.
Who each suits
Auras
Who it suits
- Travellers buying at short notice who want medical cover up to 35,000 - 1,000,000 USD travel medical cover on a policy starting at $1.50.
- Motorcycle and pet owners who would rather pay monthly than settle a bill in one go.
- Older adults and expats, the audiences named under expats and seniors, whose age range is 1 to 100 years.
Who should look elsewhere
- Anyone after auto, home, life or health cover, since Good Sam Insurance Agency lists auto, home and renters.
- Readers benchmarking against a far higher entry point, such as EuroAsia Insurance at UZS 60,000.
- Anyone treating a banking app figure as insurance pricing, since bunq's €0 covers a different product.
Cover-More NZ
Who it suits
- Travellers in NZ who are seniors and prefer buying from the insurer itself.
- Anyone whose usual insurer age rules exclude them, since cover runs to Up to 99 years old.
- People who would rather start a claim by email or post than hold on the phone, since claims run on online, phone and email.
Who should look elsewhere
- Euroasia Insurance, whose auto, home and travel reach well past the travel-only travel Cover-More sells.
- Good Sam Insurance Agency, where auto, home and renters places travel beside home, life, health and pet policies.
- bonus.ch, whose auto, home and life puts travel alongside life, health, pet and motorcycle cover.
Country by country
| Country | Auras | Cover-More NZ |
|---|---|---|
| New Zealand | No | Yes |
Questions about each
Auras
How much does Auras cost?+
Travel cover starts at $1.50, against a site median of €8.37. Motorcycle and pet policies use the same model, so that figure is an entry price rather than what everyone pays. Set the $100 excess against the cover you need before you decide.
Can I pay monthly?+
Monthly payments are available, and monthly is the only payment model listed under monthly. That suits a traveller buying cover shortly before departure, and it spreads the cost of a pet or motorcycle policy across the months you keep it.
Cover-More NZ
How much does travel cover from Cover-More (NZ) cost?+
Each trip is quoted on its own, so there is no fixed published rate. Across travel policies on the site the median starting price is €7.93, and the spread runs €2.28 to €45.91. Destination, length of stay and age all move the final figure.
Can older travellers buy cover from Cover-More (NZ)?+
Yes, and the age range is the standout point here. Cover is available Up to 99 years old, and seniors are the audience the brand writes for. The site shows senior travellers at 68.2% of the audience it serves, so older customers sit at the centre of the book.