Travel Insurance

Protect your New Zealand holiday with Domestic cover

Most people know the value of international travel insurance. Did you know it is just as important to have domestic cover when travelling around New Zealand? Whether you are going on a family holiday to Queenstown or enjoying a long weekend in Wellington, remember to pack your peace of mind with a discounted Domestic Plan from our partners Cover-More.

With our Travel Insurance offer you get

A 15% off Member Discount & 
COVID-19 Benefits Available on the YourCover Policy* 

Life Happens so book with confidence!

Call 0800 500 225 and quote HCPTRAVEL

— Why Buy Domestic Travel Insurance?

More than one third of domestic travellers experience an unexpected situation that can leave them out of pocket. If your child becomes unwell and you need to cancel your trip, it does not matter if you were travelling to Auckland or Amsterdam.

With our domestic travel insurance, you get: 

  • New COVID-19 benefits added, including benefits for amendment or cancellation costs, medical and additional expenses.
  • Protect against High prepaid non-refundable cancellation charges associated with domestic airlines, inter-island ferries, scenic rail travel, accommodation providers, tour operators.
  • Cover for rental vehicle insurance excess.
  • Plus YourCover’s add-on cover is available to suit your level of adventure: Adventure/ Adventure+, Snow Sport/Snow Sport+ or Motorcycle/Moped Riding+ if hiring a motorcycle over 200cc.

New COVID-19 benefits available!

This pandemic has changed so many things about our lives including when and how we travel, so Cover-More - our Travel Insurance partner - wanted to design travel insurance that will give you the confidence to book travel and explore everything that New Zealand and Australia have to offer.

Read more
New COVID-19 benefits available!

— We have Two Types of Policies

We’ve negotiated two travel insurance policies with Cover-More at a discounted rate. They are designed to protect you and your family when the unexpected happens on holiday.  Both YourCover and Essentials are available as Single Trip or Annual Multi-Trip policies.  If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy. The COVID-19 benefits are available on single trip YourCover policies.

"YourCover" policy

YourCover is Cover-More’s comprehensive, with some unique optional extras so you can tailor your cover to your needs.

YourCover is available as a Single Trip or Annual Multi-Trip policy.  If you are a frequent traveller, rather than buying a Single Trip policy each time you travel, you may want to buy an Annual Multi-Trip policy. 

Note: Domestic cover is currently only available on the YourCover policy.

Call 0800 500 225 and quote HCPTRAVEL
  • 24/7 Emergency Assistance

    Cover-More's medical assistance team of travel advisors, translators and medical experts are on call around the clock, so help is only ever a phone call away. Our policy holders have 24/7 access to our emergency assistance team. They’re here to help ensure you are safe, well, and can keep travelling.

  • Access to Travel GP

    Cover-More NZ customers have access to the Travel GP~ service free of charge. If you’re feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.

  • Rental Car Insurance Excess

    If you’re hiring there is cover included on our International YourCover plan up to $10,000 for rental car insurance excess

  • Existing Medical Conditions

    We can cover a range of existing medical conditions. There are 36 automatically included conditions in our policies, and you can apply for cover of other existing medical conditions. We offer on-the-spot assessments – either online or over the phone for any medical conditions not automatically covered by the policy (refer to policy wording for full details).

  • New COVID-19 Benefits

    We offer a range of new COVID-19 related benefits on our YourCover Single trip plans to help you book your domestic or Trans-Tasman trip with confidence.  See here for details.

  • Automatically included in your policy

    Working holidays - In New Zealand and overseas

    Activities: Abseiling, Archery, Ballooning, Bungy Jumping, Flying Fox, Horse Riding, Jet Boating, Jet Skiing, Kayaking, Parasailing, Paragliding, Snorkelling, White Water Rafting, Scooters/ motorcyles under 200cc (must wear a helmet at all times). Your participation in any of the activities listed is subject to the terms of cover.
    Winter activities, such as tobogganing, dog sledding, ice hockey, glacier waling with an organised tour and ice fishing with an organised tour

  • YourCover policy optional extras

    The YourCover policy offers you choice and flexibility in the form of optional extras that you can choose from for an additional premium, including: 

    • Adventure cover (including closed-circuit triathlons, rock climbing, and scuba diving between 30-50m below the surface)
    • Adventure + cover (for trekking between 4,000-6,000m above sea level, skydiving or parachuting) 
    • Motorcycle/Moped Riding +  cover for customers hiring motorcycles 200ccs and over
    • Snow Sports cover for on-piste snow skiing, snowboarding, snowmobiling and cross country skiing
    • Snow Sports + cover for the more adventurous customer wishing to ski or snowboard off-piste, as well as cover for heli-skiing /boarding.
    • Cruise Cover - note this add-on cover is mandatory for journeys that include a multi-night cruise. Benefits include: onboard medical and dental treatment, ship to shore medical, sea sickness cover, cabin confinement benefit, missed shore excursions, missed port connection, self-skippered boat insurance excess. Restrictions apply to the COVID-19 benefits, relating to multi-night cruise travel.


— Or, if you are looking for cheaper travel insurance

For your basic travel insurance requirements, then consider the Essentials plan.

Essentials policy

Essentials is a base level product including medical, additional expenses and cancellation options. Cruise Cover add-on and standard snow sports cover is also available (at an additional premium) when purchasing an Essentials policy.

Call 0800 500 225 and quote HCPTRAVEL
Essentials policy

*Travel insurance benefits relating to the COVID-19 pandemic are currently only available for travel within New Zealand and to Australia. These benefits are only available on YourCover single trip 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.

There are restrictions to cover for COVID-19 relating to multi-night cruise travel. There is no cover for claims directly or indirectly arising from or caused by government 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 arising from a government or 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).

~ Travel GP services do not form part of your travel insurance policy. It is a service offered to customers at Cover-More's cost and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will also be considered.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating. © 2019 Cover­More Ltd.