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Travel Insurance FAQs

Can you cover me for snow skiing/snowboarding? 

Yes. You can add cover for snow skiing and snowboarding for an extra premium, just speak to your consultant when getting a quote. Please be aware there is no cover if you are:

  • Snow skiing or snowboarding off-piste
  • Racing
  • Participating in a professional capacity

How many accompanied children are allowed to travel with me on a policy? 

For each adult purchasing an International or Domestic plan, there is no limit to the number of accompanied children you can add to your policy as long as they’re your own children or grandchildren, under 21 years of age, who are financially dependent on you and are not employed full-time.

On the Domestic Cancellation plan, each person (adult or child) must have their own policy if they want cover.

Will I be covered for a sporting or racing event overseas?

Cover-More Travel Insurance offers cover for many different types of sporting activities as long as the activity is not undertaken in a professional capacity and not listed in the General Exclusions section of the PDS. There is no cover for participation in any races other than on foot (i.e. walking or running).

Can I buy Cover-More Travel Insurance for a one-way trip?

Yes. Depending on your age, the Options or Essentials plans cover trips up to 12 months duration in an ‘Area 1’ destination (Worldwide which includes the USA/Canada/Africa) and trips up to 18 months duration for all other destinations.

I’m going overseas for a year. Can I get cover?

In most cases, yes. Depending on your age and where you are travelling to, Cover-More Travel Insurance policies allows you to stay away for a maximum of 12 or 18 months.

What if I am travelling with an expensive item that is worth more than the specified policy limit?

You can add a specific item to your policy when you get a quote online or speak to your travel consultant. If you have already purchased a policy, you can call Cover-More Customer Service and add the item to your existing policy for a small premium. Should you need to make a claim, you’ll be required to provide receipts or valuations (less than 12 months old) for these items.

Am I covered for an existing medical condition?

Options and Travelsure policies automatically cover some existing medical conditions with no additional premium required. Please see the Product Disclosure Statement for details. If you meet the criteria for automatic cover for all of your medical conditions, you can check ‘No’ existing medical conditions when you complete the purchase form.

If you have any medical conditions not automatically covered or any other existing medical conditions you will need to call Cover-More on 0800 500 225 for a quote and a quick assessment over the phone and, if approved, an additional premium will apply for cover of your conditions. Some conditions cannot be covered. 

Are there any restrictions relating to the cover for dental expenses overseas?

Yes. The policy covers emergency dental treatment however it doesn’t cover dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue, involving the use of precious metals, or involving cosmetic dentistry.

Will the policy continue to cover medical or dental expenses in New Zealand, incurred after an event that happened when I was travelling overseas?

No. The policy does not cover any medical or dental expenses in New Zealand.

What do I do if my luggage is delayed by an airline or transport provider?

If a transport provider overseas delays all pieces of your checked luggage for more than 24 hours, you can claim for the purchase of essential items of clothing and toiletries. These limits are:

  • Options: Up to $500 for delays in excess of 24 hours and another $500 for delays in excess of 72 hours
  • Travelsure: Up to $375 for delays in excess of 24 hours and another $375 for delays in excess of 72 hours

You must obtain a report from the transport provider confirming the delay and how long it was delayed for.

How long do I have to submit my claim?

You need to submit your claim as soon as possible and within 60 days of the return date shown on your Certificate of Insurance.

If it’s outside the 60 day time frame please include a letter or note with your claim explaining the reason for the delay.

If you believe you’ll exceed the time frame because you are waiting for documentation relevant to your claim, you’re welcome to submit your claim in the meantime.

Can I submit my claim when I get home?

Yes. You can submit your claim within 60 days of the return date shown on your Certificate of Insurance.

Please ensure you obtain any relevant supporting documentation with the overseas or relevant authorities.

You can also submit your claim online while you’re overseas while the details are still fresh and add to it when you get home.

I want to make a claim but I don’t have all the supporting documentation. What do I do?

You can still submit your claim but you’ll need to include a letter outlining why you aren’t able to obtain the necessary documents. A Claims Officer will assess your claim and advise if there are any other documents that can be accepted instead.

Do I need to mail my supporting documents to you?

There are three ways to submit your supporting documents: claim online and you can scan them and add them to your claim, fax them or post them. Please be aware that while you don’t have to send the original documents, you may be asked to submit them at a later date so ensure you file them.

Can a friend or family member speak to you regarding my claim while I am still overseas?

Yes. If you want someone to act on your behalf, contact Cover-More first and provide them with that person’s name and give permission for the matter to be discussed with that person.

Can I call to see how my claim is progressing?

You will hear back about your claim within 10 working days from the time your claim is received. Please do not call before the 10 working day period has elapsed, as your claim will still be being assessed.

Am I covered to ride a motorcycle or moped whilst overseas?

Claims involving participation by you riding a motorcycling or moped during your trip for any purpose are specifically excluded from the policy.

If you wish to be covered for this activity during and be able to hire a motorcycle (including a moped) as the driver or a pillion passenger, you can purchase cover to add this to your policy. Cover-More on 0800 500 225 for a quote to add this optional cover.

Even if you take out the extra cover, you will only be covered if:

  • whilst in control of a motorcycle or moped you hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver licence, and you hold a licence valid in the relevant country;
  • the engine capacity is 200cc or less;
  • you are wearing a helmet;
  • you are not participating in a Professional capacity; and
  • you are not racing.

Whilst you are a pillion passenger you also need to ensure the driver holds a licence valid in the relevant country.