When you’re travelling small problems can land you in big trouble!

Buy your Travel Insurance Online and Save

We believe that travel insurance should be comprehensive, but still affordable, so you keep more money in your pocket to spend while you’re on holiday.

At Flights Direct, we work with Cover-More to bring you holiday insurancethat provides you with sufficient cover for your individual holiday or trip, without costing you the earth.

It's best to buy your trip insurance online when you buy your flights. Travel insurance has cancellation cover included and it pays to have yourself covered from the day you pay for your holiday or trip arrangements.

Highlights of Travel Insurance Cover

Overseas Medical and Dental Expenses - Cover for unexpected overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses.

Cancellation Fees and Lost Deposits - Cover if your trip has to be re-arranged, shortened or cancelled due to unforeseen circumstances outside your control e.g. illnesses, accidents, extreme weather conditions.

Emergency Expenses - Cover for additional accommodation, meal and travelling expenses incurred as a result of certain events including injury, sickness, natural disasters, collisions, strikes and lost travel documents.

Luggage and Travel Documents - Luggage and personal effects are covered for loss, theft or damage subject to reasonable depreciation.

Delayed Luggage Allowance - Cover for the cost of essential clothing and personal items purchased overseas if your luggage is delayed by a transport provider.

Money - Cover for cash which is accidentally lost or stolen from your person.

Financial Default - Cover if a transport or accommodation provider goes into liquidation e.g. airline, rental car company or hotel chain.

Rental Vehicle Excess - Cover for any rental vehicle insurance excess you become liable to pay as a result of damage to, or theft of a rental vehicle.

Travel Delay - Cover for additional accommodation expenses if your scheduled transport is delayed for more than ten hours for reasons outside your control.

Hijack and Kidnap

Loss of Income

Accidental Disability

Accidental Death

Personal Liability

Different benefit limits apply to the plan type that you choose. Please consider your requirements before committing to a particular policy.

The above is a brief summary of cover only, and terms, exclusions and conditions apply; visit the website for full details. You should read the Policy Wording and Schedule of Benefits carefully and consider these in light of your personal circumstances prior to making any decision to acquire the product.

Important Notes

ELIGIBILITY - If you are leaving New Zealand permanently, on a one-way basis, or do not hold New Zealand Permanent Residency or New Zealand Citizenship, then there is no cover available under any plans.

EXISTING HEALTH DISORDERS – Some existing health disorders are covered automatically under all plans. Please see Section A of the Policy Wording to see what these are, and the requirements around each of them. If your Existing Health Disorder is not listed, or you do not meet the criteria for automatic acceptance, your condition may need to be assessed. Please contact Travel Guard Medical Assessment Unit on 0800 367 244 or contact Flights Direct if you have any queries around your Existing Health Disorders.

Money Back Guarantee

If you are unhappy with the policy for any reason and wish to cancel, you will be given a full refund by the providing agent. You are entitled to this refund as long as you:

are not making a claim under the policy

are not cancelling after the commencement of the trip

cancel the policy within 14 working days from the date of issue.

About Cover-More

Cover-More is a world leader in insurance, with 90 years of proven experience and customer service. Our fundamental strength lies in our 40,000 employees, who combine global reach with the ability to serve clients in more than 160 countries and jurisdictions.

In New Zealand we have utilised this worldwide travel experience to offer local solutions to New Zealand consumers for more than 30 years, including underwriting some of New Zealand’s largest leisure travel insurance programs.

In selecting a Cover-More travel insurance product you travel in the knowledge that your insurer is an experienced travel insurance specialist that understands the travel insurance needs of New Zealanders.

Travel Guard™

Travel Guard is serviced by a dedicated and caring team of professional doctors, nurses, multilingual coordinators and travel and aviation specialists who are available 24 hours to help you and your family during a travel emergency.

In the event of a medical emergency, a Travel Guard™ doctor will be on the line to assist you, organise the treatment you need, keep the relevant people informed and monitor your progress until you are well and home again.

Travel Guard™ services include:

Doctor and hospital referrals and appointments.

Emergency evacuations and repatriations.

Comprehensive case monitoring.

Translation/interpreter services in over 70 languages.

Assistance with lost luggage.

Credit card replacement services

Help with any other problems that may arise while you and your family are away from home.

Overseas Assistance

Help is always only a phone call away. Our highly trained team of assistance personnel (including medical professionals) are available 24 hours a day to help you with medical emergencies and other travel-related problems. Call us on +64 9 359 1645. Please call reverse charge where this service is available. Otherwise, just call the number provided above and we'll call you back.

You can help the experts at Travel Guard™ in an emergency by keeping a list of any prescription drugs taken by you or your family.

Financial Strength Rating

Insurance Companies (Rating and Inspections) Act 1994

Insurer Financial Strength Rating Insurance Companies (Rating and Inspections) Act 1994 - American Home Assurance Company (New Zealand Branch) has an A+ (Strong) insurer financial strength rating given by Standard & Poor's (Australia) Pty Ltd on 2 March 2010. The Rating Scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), R (Regulatory Action). The rating from 'AA' to 'CCC' may be modified by the addition of a plus or minus sign to show relative standing within the major rating categories.

Do I Need Travel Insurance?

There are often claims under most sections of the policy, the larger claims generally coming from:

medical section (both accidents and sickness)

lost or stolen or damaged luggage (mainly cameras or spectacles)

cancellation fees

In the past, our claims have included:

Australia - Evacuation of a premature baby - $90,000 evacuation costs plus additional expenses of $16,860

China - Evacuation of a seriously ill patient - $355,000

USA - Kidney Infection requiring urgent treatment - $29,000

Thailand - Food Poisoning – $20,000

Australia - Broken leg - $14,000

Intensive care wards can cost $4500 per day - a surgery room can cost $3500 / Hour plus surgeons fees, plus, plus. The Reciprocal health agreements in Australia & the UK do not cover ambulance, specialist care, prescriptions, repatriation or private hospital costs (public hospital delays may necessitate you being treated in a private hospital). These agreements also do not cover the basic cost of a GP visit.

Cancellation fees can be up to 100 % - example a cancellation claim of $30,359 was paid due to the Iceland Volcano

Lost or stolen luggage - How much would it cost to replace your clothes, camera, video camera etc - claims of $5,000- $10,000 are not uncommon.

Can you afford not to be covered?