Cover-More NZ review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Travel cover for older travellers who want to buy straight from the insurer.
- Insurance types
- Travel (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover limit
- International Basic: overseas medical $Unlimited, overseas emergency dental $3,000 (Source, checked September 26, 2026)
- Claims channels
- Online, Phone, Email, Post (Source, checked September 26, 2026)
- Age range
- Up to 99 years old (Source, checked September 26, 2026)
- Legal entity
- Cover-More (NZ) Limited (Source, checked September 26, 2026)
- Headquarters
- New Zealand (Source, checked September 26, 2026)
- Founded
- 2007 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Official website
- covermore.co.nz
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
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.
- The International Basic plan pays overseas medical costs with no stated ceiling and adds overseas emergency dental.
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 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.
How Cover-More NZ compares
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
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9.1 vs 9.0
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9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3
9.1 vs 8.6- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
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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
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.
Who regulates Cover-More (NZ)?+
The company behind the policy is Cover-More (NZ) Limited, and its advice permission sits with the Financial Markets Authority under a transitional financial advice provider licence, FSP39781. Cover-More is an insurer, so it carries the risk on its own policies.
How do I make a claim with Cover-More (NZ)?+
Claims can be started online, phone and email, so a claim does not hinge on reaching a single route. Online, phone, email and post are all listed, which matters when a claim starts while you are still abroad and the paperwork is on paper rather than on a screen.
Can I get help from Cover-More before I buy a policy?+
Pre-sale help runs on phone, email and help centre, so phone and email are the direct routes and a help centre answers questions you can look up yourself. Claims sit outside that list, with online and post offered for a claim once a trip has started.
What does the International Basic policy pay for?+
On International Basic, overseas medical costs are paid with no stated ceiling, and overseas emergency dental is included as well. Cover-More is an insurer working in travel cover, so the medical side is the core of the policy rather than a small add-on.
Is Cover-More (NZ) a broker or an insurer?+
It is an insurer, established in 2007 and headquartered in New Zealand. Buying direct means the policy, the terms and the payout all rest with the same company, which is a different arrangement from buying through a broker or a comparison site.
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 September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Cover-More NZ
Travel cover for older travellers who want to buy straight from the insurer.