Updated 4 Aug 2016
Cover-More
Options Travel Insurance International Plan I
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Key data
Policy
Underwriter
Underwriter's financial strength rating
Phone
Cooling-off period
Oldest age covered
Compare premiums
Health cover
Overseas emergency medical expenses
Emergency dental treatment
Hospital cash allowance
Ongoing medical expenses in NZ
Belongings
Depreciation
Luggage and personal effects
Cameras and video cameras
Computers
Mobile phones
Other items
Theft of cash
Travel documents
Delayed luggage
Bookings
Cancellation fees and loss of deposit
Resumption of trip
Liability
Personal liability
Rental vehicle excess
Death and injury
Accidental death or permanent injury
Funeral expenses
Loss of income stipend
Member reviews
"My experience: expensive, extremely bad if you have existing medical conditions"
03 May 2017, Stephanie H.
Product use: 3 - 6 months
Pros:
At first sight, the policy makes it seem suitable for people over 70, but in practice, Covermore's handling of pre-existing medical conditions undercuts that.
Cons:
The company would not cover my pre-existing medical conditions because I was travelling to the US (actually I was only booked to spend a few days as the US as part of a month long holiday mostly to be spend in Europe, but the amount of time spent in the US appeared to make no difference.) What makes this even worse is that refusal to cover pre-existing medical conditions while overseas means that you're also not covered if you have to cancel your trip before you leave home because of the occurrence of any of these conditions.
Recommend it?
No, this product has too many drawbacks.
"Our experience: expensive, good for existing medical conditions, ridiculous exclusions for theft"
13 Feb 2017, Diana Z.
Product use: 6 months or more
Pros:
It covers (for an increased premium) declared existing medical conditions that many other insurers won't.
Cons:
Overall expensive premiums. Our claim for items stolen from a broken in car was almost completely declined because electronic devices such as cameras, notebooks and phones (!) are excluded from the list of items covered. Used this insurance for numerous trips but will not use it again as a result of the above.
Recommend it?
No, this product has too many drawbacks.
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