Travel Insurance


The PSA is delighted to provide travel insurance with Cover-More Travel Insurance which is designed to protect you and your family when the unexpected happens on holiday. PSA members receive a discounted rate off the standard quote when calling Cover-More’s customer service team and quoting PSATRAVEL

Travelling throughout New Zealand during Alert Level 1 is the ideal opportunity to take the family on a local adventure, exploring our beautiful country.  Cover-More Travel Insurance offers peace of mind and the freedom to explore New Zealand with confidence, knowing you'll have support and assistance whenever you need it.

Cover-More’s medical assistance team of travel advisors, translators and medical experts are on call around the clock, so the help you need is only ever a phone call away.

Why purchase insurance for a Domestic journey?

• High non-refundable cancellation charges associated with domestic airlines, inter-island ferries, scenic rail travel, accommodation providers and tour operators (for example operators specialising in multi-night trekking or cycling adventures).

• Rental car insurance excess cover

• Kiwis are adventurous. Cover-More’s YourCover policy enables you to tailor your insurance cover to match your adventure level by adding Adventure cover, Snow sports cover or Motorcycle cover

• Many overseas events such as honeymoons have been cancelled recently due to COVID-19 travel restrictions and Kiwis are planning their honeymoons in New Zealand as an alternative


  • 24/7 Emergency assistance
  • Travel GP service (especially useful when travelling with children)
  • Online claims (you can lodge your claim whilst travelling)
  • 35 existing medical conditions are automatically covered by the YourCover and Essentials policies.  We offer on-the-spot assessments over the phone for any medical conditions not automatically covered by the policy (refer to policy wording for full details).
  • Cancellation cover option covering circumstances outside your control such as cancelling your trip due to redundancy


  • Cover-More also automatically covers for various pastimes and activities – click here to see the list.  Your participation in any of the activities listed is subject to the terms of cover.

Two types of policies are available:  

YourCover is Cover-More’s comprehensive product with all the cover you expect from Cover-More, with some unique optional extras so you can tailor your cover.   Single trip policies sold after midnight on 27 October 2020 will receive additional benefits relating to specified COVID-19 related events when travelling in New Zealand and Australia. Limits, sub-limits, conditions and exclusions apply. Please refer to the policy wording endorsement for full details here.  Note: Domestic cover is currently only available on the YourCover policy.

YourCover offers optional extras that you can choose 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 over 200cc
  • 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 cover, sea sickness cover, cabin confinement, missed shore excursions, missed port connection, self-skippered boat insurance excess.

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.

Essentials offers you two optional extras that you can choose for an additional premium, which are:

  • Snow Sports cover for on piste snow skiing, snowboarding, snowmobiling and cross country skiing
  • Cruise Cover – note this add-on cover is mandatory for journeys that include multi-night cruise. Benefits include: onboard medical and dental treatment, ship to shore medical cover, sea sickness cover, cabin confinement, missed shore excursion, missed port connection and self-skippered boat insurance excess.

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. 

Click Here  to read the YourCover Travel Insurance policy wording
Click Here  to read the Essentials Travel Insurance policy wording


Domestic Claim examples in New Zealand

Cancellation prior to travel

• Protect your pre-paid travel arrangements.

• Motorhomes, scenic trains, ferry across the Cook Straight, Otago Rail Trail cycling packages and pre-paid holiday cancellation policies are very strict.

• Cancellation due to redundancy, illness, injury, and medical operations can easily occur prior to a pre-paid holiday.

• Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Rental Car Accident

• Resulting in costly rental car insurance excess and additional travel costs or cancellation fees as a result of a cancellation.

Delayed Travel

•  Weather is often the main culprit for travel delays and flight cancellations, often resulting in additional accommodation. For example: snowstorms and fog.


Should you wish to amend your travel insurance policy dates or require a refund on your policy (some policies may only be partially refunded), please contact Cover-More's customer service team to discuss your options on 0800 500 225 or email:


To get a Quote call 0800 500 225 and quote PSATRAVEL 

Cover-More’s friendly staff will give you a quote that includes your member discount and talk you through any concerns including pre-existing health issues. When you’re ready to purchase your PSA travel insurance, simply call the same number and they will set this up for you. Cover-More Customer Services team operates 8:30am to 5:30pm, Monday – Friday and 10am-2pm on a Saturday.


About Cover-More Group 

Cover-More is a leading travel insurance provider in New Zealand and Australia and has longstanding partnerships with major travel agency networks and airlines including Flight Centre Travel Group and Air New Zealand. Cover-More has operations in 22 countries across five continents with leading market positions also in Ireland, India, in the USA and in Latin America. Cover-More NZ has been listed as a finalist in the 2019 Australian and New Zealand Institute of Insurance and Finance’s (ANZIIF) annual Insurance Industry Awards in the ‘Innovation of the Year’ category. Cover-More Group was acquired by Zurich Insurance Group in 2017.

Need to make a claim?   Save time and claim online.
Click Here to submit your claim online 

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. © 2020 Cover-­More Ltd.

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