General Questions

It's a simple 1,2,3 step process;

Step One:
Choose from one of the insurances offered below and click on the link;
- Life Cover
- Critical Illness Cover
- Medical Cover
- Income Protection Cover
- Mortgage Protection Cover
- Complete Cover

Complete a Fact Find by answering a series of questions. Once you’ve completed this, you’ll receive a Fact Find Summary of what you’ve told us.

Step Two:
A Registered Financial Advisor will contact you to discuss your Fact Find Summary results. Your advisor will then give you the best recommendations for you to choose from and provide you with a Statement of Advice.

Step Three:
Once you’ve decided on your cover your advisor will guide you through the application process for your chosen provider.

We'll handle the rest of your application. We will liaise with your chosen provider to get your application processed and ensure your cover is in place. If anything further is required from you, such as a medical test, we’ll let you know and help you to organise this.

Yes you can.

When changing or cancelling your existing cover it’s really important that you're comparing "apples for apples".

That’s why we recommend having an expert Registered Financial Advisor guide you through the process and who can highlight key changes in your policy.

If you'd like to speak to one of our Registered Financial Advisors prior to commencing a Fact Find, please call us on 0800 254 252 (0800 ClickCover) or email us at [email protected] and we'll have an advisor call you back to go over any questions or concerns that you may have.

A Fact Find takes between 10-20 minutes to complete. We will ask you a series of questions so we can ensure we recommend the best policy and cover for you. All questions are important and help us to better help you.

If you can’t complete a Fact Find in one attempt, don't worry, you can save what you’ve done and come back and complete it at a later time.

We’ve included tips and videos throughout each Fact Find to help guide you and answer the questions that most commonly arise.

If you are really unsure of what detail to include, we recommend you continue to the end of the Fact Find and discuss any concerns you have with an advisor when they contact you regarding your Fact Find Summary.

Alternatively, you can call us on 0800 254 252 (0800 ClickCover) or email us at [email protected] at any time and we will help you with any questions that you may have.

In order to give you quality advice and recommend the right policy for you, we need to know some pretty personal stuff. Depending on the type of insurance cover you’re after, we may need to know about your current financial and health situation, as well as your medical history.

You are also obligated to tell the insurer all information that might influence the judgement of an Insurance Underwriter – in the industry we call this your Duty of Disclosure. If you don’t tell the insurer everything, whether intentionally or not, the insurer may void your policy and any claims might not be paid.

Your advisor will guide you through the application process, so; if you think something is relevant, you have a question or aren’t sure whether it’s important or not, just ask your advisor.

No worries, we’re here to help!

We recommend you continue to the end of the Fact Find and discuss any concerns you have with an advisor when they contact you regarding your Fact Find Summary.

Alternatively, you can call us on 0800 254 252 (0800 ClickCover) or email us at [email protected] at any time and we will help you with any questions that you may have.

The whole process, from the first click through to the commencement of your cover, usually takes a week This timing is dependent on whether an insurer requires medical tests or further information from you.

Then you come to us!

You’re personal ClickCover advisor is here to help you through the claims process. We'll take the stress away from dealing with your insurance provider and ensure you receive all the benefits your policy entitles you to.

As your life changes, your Life Insurance may need to change too, so you are still protecting your loved ones. Therefore, it is important you contact us to let us know, if for example; you purchase a new house or investment, or if you have another child. We can then recommend the changes to your policy, if any.

Your ClickCover advisor will contact you when your policy comes up for renewal (once a year) to ask you how everything is going, and if there have been any changes made over the past year.

To notify us of any changes in your circumstances, you can contact your advisor directly or email us at [email protected]

We understand the importance of keeping your information private and secure, especially since we’re asking you to share your personal details with us.

We utilise the most up-to-date security measures for our information storage and have strict privacy policies around the use of your information. If you’d like to know more, our Privacy and Security Policies are located on our Terms and Condition's page.

We’ve chosen to partner with Cover-More, who we believe, is the best travel insurance provider in the market. So the process is a little different for Travel Cover.

When you click on our Travel link, you will be redirected to Cover-More's website. Here you will be able to get an immediate quote online. Easy as!

Insurance/Cover Questions

Critical illness Cover is a type of insurance that protects you if you are diagnosed with a serious illness or injury, the most common being cancer or a stroke.

Critical Illness Cover will pay a lump sum payment upon diagnosis of the amount you have insured.

Critical illness Cover is a great complement to your other insurance products, such as Life Cover, Income Protection and your private Medical insurance. So when you are looking at whether you need critical illness cover you should take a holistic approach to your insurance and consider:

Your level of private medical cover:

Your income protection insurance policy

How much income your family will need to survive if you can’t work for a while, or forever.

How much income your family will need, not to just survive, but thrive, if you are unable to work.

How much help or support would be available to you and your family if you were diagnosed with an illness and unable to work. For example, would you need to hire someone to look after the kids if your partner had to spend their time taking you to medical appointments or would your family be able to help you out?

How much savings/emergency funds/assets you could easily sell to fund your lifestyle do you have available to you?

What government benefits are available to you and would they meet your financial needs? Bear in mind that the current ‘supported living’ benefit in New Zealand for a person in a de-facto relationship without children is approximately $218.86.

If this all seems pretty overwhelming, and still doesn’t really answer your question try our critical illness fact find, chat to us about your situation on 0800 254 252 or email us at [email protected] – we’re here to help.

The lump sum payment paid out under your Critical Ilness policy can be used how you wish, but, most commonly, is used to cover the following:

- Private medical costs above your Medical Insurance (if you don’t have Medical Insurance please get some more information from our Medical Insurance page). This may also give you access to newer, unfunded or experimental treatment options not covered by either the public system or your Medical Insurance.

- The ongoing costs of any therapy, special transport costs or medical assistance care you may require upon diagnosis and during treatment.

- Ongoing household costs while you are getting treatment/recovering/convalescing.

- Additional help at home so you have a chance to relax, enjoy your loved ones and recuperate.

- Debt repayments

- Additional income for your family while you are unable to work.

Please note: We wouldn’t recommend that you rely on Critical Illness Insurance to take the place of your Income Protection insurance as they are very different products and should complement rather that replace each other.

You've come to the right place! You can still get advice on the right Critical Illness Cover for free from us here at ClickCover – it’s all part of the service.

How it will work, is that you should start the process of by filling in our Critical Illness Cover Fact Find. This will give us a basic understanding of your situation, what insurance you already have in place, and what your Critical Illness needs may be – if any.

We will then work with through, guiding you through the process and making sure we make the right decision together.

We’ll then help you through the application process and voila – you’re covered.

Our service doesn’t end there though, we will contact you regularly to see how things are going, and if there is anything in your life that would require an update to your critical illness policy.

If you need to make a claim, we will be there to help you do that as well – just contact your personal ClickCover adviser or contact the team at [email protected]

The easiest way to save money on your critical illness cover is to insure a lesser sum.

You should have a good idea of how much would you and your family would really need if you or your partner were to be diagnosed with a serious illness?

There are also critical illness cover products out there that will cover you only if you are diagnosed with cancer, for example. So if this is your biggest risk and most important thing you get covered for then a product like this may be more up your alley, rather than a more comprehensive policy.

We recommend that, as a general rule, if you have a debt that someone else will have to inherit, should you pass away, then you should have some form of life insurance.

You should also have life insurance if you have people that are dependent on you and your income. This could be your children, older parents, siblings or any other type of dependent.

Most standard policies we recommend can cover the following, and can usually be customised to your specific needs.

Funeral costs

Debt (including your mortgage, credit card, student loan, hire purchase debt or loans you may have from family members)

Ongoing income for your family and/or dependents

Extra income to cover home expenses (for example if the homemaker had to return to work), this can include cooking, cleaning and childcare expenses.

Inheritance you may want to leave to your dependents. This can include getting enough cover so that your kids’ education needs are paid for, or so they can have help purchasing their first home.

A standard exclusion in most life insurance policies is that insurers won’t pay out for death by suicide within the first 13 months of taking out the policy.

Insurers also won’t cover you if you have made a significant “non-disclosure” in your application for insurance. This is why it’s really important you include any information you think the insurer may be interested in when you apply for your life insurance policy.

We operate under the policy that even if you’re not sure if information is relevant, it’s best to tell the insurer up front, rather than have a nasty surprise come claim time.

In New Zealand, there are two basic ways you can pay for your life insurance – with ‘rate for age’ and ‘level premium’.

Under the ‘rate for age’ structure, the price of your policy (your premium) will start off low (around half the cost of a ‘level premium’ policy) but will increase as you age.

Under the ‘level premium’ structure, the price of you policy remains the same throughout the term of your insurance, but is initially more expensive (around twice the cost of a ‘rate of age’ policy).

As a general rule, ‘which one is best for you’ depends on how long you want life insurance cover for. If you expect that you will only want life cover until you are about 60 years old (because by then you will be debt free, your children will be independent, and you will have enough of a ‘nest egg’ to ensure your partner is provided for if the case of your death) then a ‘rate for age’ policy is probably best for you. This is because it will be more economical and you will probably end your life cover before the premiums increase to astronomical levels.

If you want life cover for a long period of time, say well into your 70s or 80s, then a level premium policy will be your best bet. You will be paying an increased amount for your insurance while you are young, but as you age, your policy premiums will not increase like the ‘rate for age’ policies do.

On our site, we offer you ‘rate for age’ policies, as these are the most cost effective policies and suit most people. However, if you are interested in a ‘level premium’ policy, please get in touch with us and we can help you out.

As explained above, under a ‘rate for age’ policy, the premium you pay (the price of your policy), will increase. This is because the insurance company is more likely to have to pay out on your policy as you get older.

An average policy will increase on an annual basis. If you have an indexed policy (a policy linked to inflation) you are likely to have a higher price jump every year than a non-indexed policy.

If you have a ‘level premium’ policy, your premium will remain the same throughout its term. However, you may have to pay slightly more each year if you want an indexed policy, to compensate for the rate of inflation.

We explain indexation below.

Indexation, or an indexed policy, means that the amount insured is linked to inflation. This ensures that, if you have to be paid out, the amount you are paid will be in line with the cost of living you expected it to cover when you took the policy out.

For example, if you took out an indexed policy of $100,000 and the inflation rate was 2.5% then, upon annual renewal, your policy will be worth $102,500. This means that if your policy had to be paid out, it would effectively “buy” the same amount as a $100,000 policy would have 1 year previously.

Having your policy linked to inflation is completely optional.

At ClickCover, we would recommend that you do have an indexed life insurance policy, as, especially over a long period of time, the value of your policy will erode, and, even though you intended your policy to provide financial security for your loved ones, it may not remain “fit for purpose”.

The ‘policy owner’ is the person who will receive the pay out if a claim is made on your policy. This is usually your life partner, your Family Trust or someone else you can rely on to see your wishes through.

You can change your policy owner at any time, just contact us and we will organise to send you through the right forms.

Most insurers have a ‘standard policy’ when it comes to life insurance, but, the devil is in the detail, and even these ‘standard policies’ can vary between insurance providers.

On top of this, most people aren’t ‘standard’ (keeps life interesting right?) and their unique circumstances can effect which policy suits them best.

Because of this, it’s hard to compare apples with apples in the life insurance world. On top of all this, there are other things to think about when you are choosing the right life insurance policy that we think are worth considering, such as:

How will your policy, grow with your, as you age. These are things such as the available “add ons” and how flexible your life insurer is in accepting these?

How much your insurance premiums will increase as you age.

How good your insurer is at paying our claims

How ‘healthy’ is insurance company? (we’re talking financial health here)

Life insurance is a pretty big investment, and it’s important you get it right. That’s why we recommend getting some advice around which policy is right for you.

We will assess your needs, answer any questions you have and make a recommendation as to what is right for you, and explain to you why we think that way too. This saves you loads of time and ensures you are making the right decisions, for the right reasons.

Underwriting is the process where the insurance provider figures out the risk of insuring you. When it comes to life insurance it’s basically the underwriter’s job to work out how likely you are to die before your life insurance term runs out (it’s a fairly morbid task!).
This helps the insurer price your policy correctly – so your premium will reflect your ‘risk’ while still aiming to remain price competitive.

During this process, the underwriter will assess a whole lot of information, including your application, health records, driving records and family history. This gives the underwriter a full picture as to your ‘risk’.

An underwriter might make some recommendations to the insurer about you, such as recommending exclusions (or things the insurer SHOULDN’T cover you for). An insurer will either write these exclusions into your policy, or they may decide to cover you, but charge you an increased premium to compensate.

In certain circumstances we can advocate for you, to reduce your underwriting – that’s one of the benefits of having a broker.

You may have exclusions put in place on your life insurance policy in the underwriting process (see the above question ‘what is underwriting?’ for more info).

An exclusion is basically a situation that, if it occurs, the insurer will not pay out on your policy.

The reason these exclusions are put in place is because the insurer may feel like there is too much risk for them to insure you (in other words they feel the premium you’re paying will not compensate them for likelihood of you dying as a result of the situation occurring).

An example would be that if you had a strong family history of heart disease and you had a history of high blood pressure and cholesterol, an insurer might exclude heart disease in your policy. This means that if you were to die from heart disease, the insurer would not be liable to pay out on your policy.

Exclusions are put in place when you take out a policy. This is why we recommend you getting your life insurance policy as early as necessary. As you age, your health generally declines and you may be exposed to more exclusions when applying for life insurance.

As your life changes, your Life Insurance may need to change too, so you are still protecting your loved ones. Therefore, it is important you contact us to let us know, if for example; you purchase a new house or investment, or if you have another child. We can then recommend the changes to your policy, if any.

Your ClickCover advisor will contact you when your policy comes up for renewal (once a year) to ask you how everything is going, and if there have been any changes made over the past year.

To notify us of any changes in your circumstances, you can contact your advisor directly or email us at [email protected]

With ClickCover, making a claim is as easy as clicking a button.

When you need to make a claim, just contact us. We will step you through the whole process, advocate on your behalf if needed and generally make the claims process as easy as it can be.

Not a problem!

All policies in New Zealand are subject to a 14 day “free look period”. If you change your mind about getting life insurance during this time, even if you have paid your first premium, you can cancel your policy free of charge and any premiums paid will be refunded back to you.

You’re sort of right…But you’re also sort of wrong….here’s why:

Most life insurance policies have a clause that they will pay out your full life insurance amount, in one lump sum payment, upon being given a terminal diagnosis.

Like always though, the devil is in the detail. For your life insurance to pay out before death, you have to be given less than 12 months to live (again, this is a fairly morbid topic!!).

For example, if you get diagnosed with cancer, even if you are given a terminal diagnosis (i.e. unrecoverable) you won’t receive a pay out on your life insurance policy until you are given less than 12 months to live. If you had trauma insurance, your policy would be able to be paid out upon your initial diagnosis in most cases.

If you were instead diagnosed with cancer, or you had a stroke or a heart attack, but you would recover eventually (or at least not die), your trauma insurance would again pay out upon your diagnosis. In this case you would receive nothing from your life insurance policy.

Where you are diagnosed with a terminal illness, you are given less than 12 months to live, and you had life AND trauma policies, you would be able to make claims on both of them and receive both lump sum payments. (If you were working and had income protection insurance as well you would be able to make a claim under this policy as well!).

Because trauma and life insurance go hand in hand, and give you a broad range of cover as described above, we recommend that you have some form of both products to ensure you get the best protection.

Our Complete Cover package includes advice on Life, Critical Illness, Medical and Income Protection Cover.

Over 1 million Kiwis have Medical Insurance. It pays over $1.14 Billion in claims every year.

We are lucky that in NZ we have a pretty good public health system, however, this often let's people down in elective surgeries, such as; knee, back and hip operations, leading to, long periods of pain and time off work.

We have seen first-hand Medical Insurance save client's lives, by getting quick world-class treatments in areas such as cancer care and cardio-vascular.

Getting Medical Insurance early on in your life, means there are less pre-existing conditions for the insurer to exclude and you get more choice in what is currently a very competitive market.

Our Registered Financial Advisors will take into account your personal needs and wants, and give advice on the best product for you.

The Medical Insurance industry is extremely competitive, however, due to the number of options available, it is incredibly complex and confusing. Most products have a focus on different areas of treatment, eg GPs, physio, specialists and tests, operations and high end cancer care benefits. It is absolutely vital you get advice on what is right for your needs and wants.

By receiving expert advice, we can ensure you are paying smart premium on the things you need and not wasting money on things you don't.

We have many ways of making Medical Cover fit your budget. It is important to get the correct advice to ensure your product is not only cost effect, but delivers what you need at claim time.

Income Protection Cover basically protects you if your ability to earn an income is severely reduced or affected in any way. This is usually due to an illness, disease, or accident (though we are fortunate to have ACC for accident cover here in NZ).

Income Protection will pay up to 75% of your income (though you can choose a lesser level if you want) should you need to make a claim.

When and for how long you get paid for is also up to you. You choose how long you will have to wait before you start receiving payments (a ‘wait’ or ‘stand-down’ period) and how long you will receive payments for (the ‘payment period’).

Should you need to make a claim, you will receive monthly payments (once your ‘wait’ or ‘stand-down’ period is over) until either you go back to work, or your ‘payment period’ is up – whichever is sooner.

Your policy protects your income, should you be unable to work do to health reasons. This may be because you have an illness, disease or have suffered an accident.

Income Protection Insurance will usually cover instances of depression as well.

Your policy won’t cover you if your injury or illness is self inflicted, or as a result of criminal activity.

Most plans will also not pay out if the reason you are off work is a result of a pregnancy, or a complication of a pregnancy that lasts fewer than 90 days.

If you need to make a claim, you will receive up to 75% of the income you were earning prior to becoming ill or disabled.

There are some things you should be aware of, before you take out income protection insurance. We’ve broken these down for you below:

Your income protection insurance is based on your income. Usually this means your income over a consecutive 12 month period. If you haven’t earned income in the last consecutive 12 month period, it can be any consecutive 12 months over the last 3 years.

Your claim payments won’t be more than the sum you have insured. For instance, if you have insured $60,000 of you income, but you income at the time of your claim was actually $75,000, you would still only receive payments based on your insured income ($60,000). That’s why it’s really important you inform us of any changes to your income so we can update your policy accordingly.

Alternatively, you may only want to insure a smaller part of your income as that is what you feel would cover your needs (eg. You earn $80,000 but only want to cover $65,000 of your income as your family can manage on that) then you can, that’s totally up to you.

Any payments received under your income protection policy are taxed. Just like regular income. The upside of this though, is that your premium payments for your income protection policy are tax deductible – Whoop!

This is a tricky question to give a general answer to, and for advice on your particular situation, we suggest you fill out our consult questionnaire so you can get the right advice for you.

However, as a bare minimum, we would recommend taking out mortgage protection insurance (a form of income protection insurance) so your mortgage will be taken care off if you can’t earn and income.

We totally get the unpredictable nature of being self employed.

If you have an irregular income (usually if you are self employed and/or a contractor) you can get an agreed level of income protection cover.

There are several payment period options, and it’s totally up to you which one you think will work best.

The standard choices for a payment period are that payments will continue for 2 years, 5 years, until age 65 (retirement age) or until 70 years old.

If you are able to return to work prior to your payment period ending (no matter which payment period you have chosen) your income protection payments will cease.

HOWEVER, if your disablement or illness that lead to the claim prevents you from returning to your chosen profession, and your ability to work is now reduced, your income protection insurance will cover the difference for you.

For example, if you were once a plumber earning $85,000, and your disablement/illness now meant you were able to work in data input, and your earning were reduced as a result, your income protection policy will fill the gap.

Basically, it’s cheaper.

By increasing your policy’s ‘stand down’ period your premiums reduce. This is because the longer your stand down period before your insurer needs to pay out the more likely you are to be able to return to work prior to a payment having to be made.

If you do opt to have a longer stand down period we would recommend that you think about having some sort of emergency fund or savings that can keep you going between the time you become unable to work, and your policy payments starting.

Redundancy cover is not a standard feature of income protection insurance, however, this extra protection can be added on to most policies.

If it is something you would like to look into, contact your personal ClickCover adviser today, or any one of our team at [email protected]

By using the Complete Cover Fact Find, you can get quality advice on all types of personal insurance. This means you can make sure you have exactly the right type and amount of cover to protect your unique journey (and none of the cover you don't need!).

It's our Rolls Royce offering. It gives your adviser a total overview of what's going on in your life, so you can get the best advice possible.

Mortgage protection cover is just as it sounds – it protects your mortgage repayments! It is a monthly benefit paid to you if you can’t earn an income for a period due to either illness or injury.

Mortgage protection cover will take care of your mortgage repayments so you have one less thing to worry about while you are recovering.

In New Zealand, there is a legal requirement that any property that has a mortgage is fully insured. However, you’re not legally required to have mortgage or life insurance when you take out a loan.

Here at ClickCover, we would recommend that if you’re taking on debt, you have some sort of insurance to protect yourself and your loved ones against losing your asset if you were unable to meet your debt repayments for a period of time.

We would also recommend a review of your life cover needs so your loved ones aren’t left to foot the bill or out on the street should the worst happen.

That’s totally up to you!

You can choose to have cover for 2 years, 5 years, until you turn age 65 or until you turn age 70.

The payment period you choose means that your mortgage payments will be taken care of up to a maximum of your chosen payment period.

If you’re unsure how long you should have cover for, your ClickCover adviser can help you decide on the best option for you.

That’s up to you to decide.

You can have a shorter or longer wait period depending on your situation, though there is usually a minimum wait of one month.

Your mortgage protection cover won’t kick in until after this wait period is over.
Usually the longer the wait period you choose, the cheaper you insurance premiums will be. However, when you are deciding on a wait period, it’s important that you consider how long you and your family can get by for without either one or no income.

If you do decide to go for a longer wait period, it’s crucial that you have some sort of savings or emergency fund to access during this time.

If you’re unsure what sort of wait period is ideal for you and your family, your ClickCover adviser can help you make the right decision.

When you complete our short mortgage protection fact find, one of our expert advisers will recommend exactly how much cover you should get to adequately protect yourself and your family.

However, in terms of a ballpark figure, mortgage protection cover is usually restricted to 110% of your current mortgage repayments (to cover interest rate increases) or about $6,000 per month.

Replacement cover doesn’t increase automatically – so it’s important that you review your cover regularly to make sure it’s still appropriate for your situation.

Your advisor will contact you on an annual basis to check in and re-evaluate your cover requirements, but you can also contact us at any time if your circumstances change on [email protected]

The price of your Mortgage Protection Cover premium is dependent on a variety of things and will be higher if you are deemed more likely to make a claim by the insurer. The types of things that are considered are; your age, occupation, medical history and whether or not you are a smoker or engage in any hazardous activities.

Mortgage Protection Cover is a spin-off of Income Protection Cover, so you are absolutely able to increase your cover at any time. You may want to consider covering your income to provide greater protection for your family, or another debt.

Maybe, it depends on your chosen policy and your medical history. If your chosen insurer requires you to have a medical exam or some tests before deciding to insure you, this will be of no expense to you.

We've researched the travel market, so that you don't have to. We believe that Cover-More is the most trusted travel insurance provider available.

Cover-More have been operating in New Zealand for more than 30 years. They offer high quality cover and have an outstanding claims record (meaning their likely to pay out should you need it!).

We’re happy to stand behind Cover-More, knowing they’ll protect our clients on their journeys – wherever that may be.

Any time you travel overseas, be it short or long term, near or far, you should get Travel Insurance. Your usual insurance policies will only apply to New Zealand, so if you get into trouble overseas, your existing insurance policies may not apply.

If you are travelling within New Zealand you don’t need to get Travel Insurance, but you may like to get flight insurance, which will protect you if your flight is delayed, cancelled or changed for whatever reason (wind in Wellington maybe?!). The easiest way to get flight insurance is to get it direct when you purchase your flights.

There are a few different types of policies – so there are some differences. But generally, most travel insurance policies will cover you for:

- Any medical costs you incur
- Emergency evacuation costs
- Theft, or loss of any person items (including your passport and money)
- Loss, delay or theft of your luggage/belongings
- Flight delays or cancellations
- Disablement or death
- Personal liability, such as an injury or loss you may have caused.

The devil is in the detail, and we recommend you thoroughly read and understand your Travel Insurance document. Ask us if there is anything that you don’t understand, so you can understand what is and, sometimes more importantly, what isn't covered.

As a general rule, most Travel Insurance providers will not cover you for any pre-existing medical conditions that you have. Most policies will also not cover you if your accident or injury occurred; while you were drunk, under the influence of drugs or doing something criminal.

In addition to the above, you may not be covered if you travel to a destination that is considered an extreme risk by the New Zealand Government. You can find the countries currently on the extreme risk list at

Most “extreme” sports and activities such as skiing, snowboarding, bungee jumping and even scuba diving are also not covered under a standard policy – so it’s important that if you’re going to partake in these activities while you’re away, that you choose a policy that specifically covers these activities.

Save time and lodge a claim online using Cover-More's Claims Centre at You can lodge a claim here from anywhere in the world.

You will be asked to describe the incident, include medical expenses and upload supporting documentation. You can save and return to an incomplete claim for up to 28 days.

Alternatively, you may download and complete a Claim Form from Cover-More's Claim page and send it in. When filling out the form, take care to provide as much detail as possible regarding the event you are claiming for.

If you are in need of assistance when completing your claim, contact Cover-More Claims Customer Service on 0800 600 115 or email [email protected]

For more information, see Cover-More's step-by-step guide to making a claim on their website.

There are two main types of Travel Insurance in New Zealand; Individual Cover, and Group Cover.

Individual Cover policies will only cover the policy holder (generally you).
Group Cover policies will cover a group or family that is travelling together. Group Cover will usually work out cheaper than individual cover, as the cost and risk is spread out over a number of people.

Some Travel Insurance providers offer special cover for different types of travel/travelers, such as students and adventurers, or for those partaking in overseas business or a cruise.

Most Travel Insurance policies will require you to pay some money when you make a claim (commonly referred to as an excess). By asking you to bear some of the cost in the event of a claim, Travel Insurance companies can keep their premiums low and cost effective.

The amount of excess varies between Travel Insurance providers and between the types of claim you are making. Excess amounts are set out in your policy.

Most Travel Insurance providers will give you a toll free number you can call from anywhere in the world if you need to access your policy. It is important you keep this number with you at all times, as well as your travel policy number.

We would also recommend you keep a copy of your Travel Insurance Documents with all your other travel documents, as you may need to show this to certain authorities in the course of your travels.

As with most insurances, it’s important you tell your insurer about any pre-existing medical conditions, as non-disclosure can mean that your claim is declined.

Even if your medical condition is under control, you still need to tell your Travel Insurance provider. If your condition has been managed successfully for a period of time, you may not face a higher premium, but it’s important you tell the insurer this information and let them make that decision.