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Cover-More vs Allianz travel insurance - Guide to coverage, pricing and more
Deciding on the right travel insurance is key to a worry-free trip, making unexpected hiccups like medical emergencies or flight changes far less daunting. When exploring new places, knowing you and your loved ones are supported abroad brings invaluable peace of mind.
Among the most popular choices for travellers are Cover-More and Allianz travel insurance. To help you choose the best provider for your needs, we've compiled a direct comparison of their coverage, pricing, and other important factors below. You can also learn more about the Wise card, an easy way to stretch your dollars when paying in foreign currencies.
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Things to look out for when choosing a travel insurance
Choosing between the many travel insurance options available in New Zealand can be overwhelming. To help you narrow down your choices and ensure you get the right travel insurance for your needs, here are some key questions to ask yourself:
- What activities are you planning to do? Are these covered?
- What level of medical protection do you require, including pre-existing conditions?
- How are claims made? How long do they take to be resolved?
- What's your budget, and would an annual multi-trip plan be more cost-effective for frequent travel?
- Can you easily adjust your policy details while traveling?
With these considerations in mind, it’s easier to understand what to look for and choose a provider that will give you peace of mind. Below, we’ve compiled an overview of Allianz vs Cover-more in New Zealand.
Cover-More travel insurance - Overview
Cover-More, a popular travel insurer within the Zurich Insurance Group, offers dedicated travel insurance solutions for New Zealand residents. Cover-More provides a comprehensive range of international travel insurance covers structured into three main tiers: Basic, Comprehensive, and Comprehensive+ Plans. The Basic Plan includes essential cover like unlimited overseas medical expenses, while Comprehensive and Comprehensive+ offer increasing limits for benefits such as luggage, cancellation, rental vehicle excess, and more, catering to varied travel needs and budgets.
Allianz travel insurance - Overview
Allianz is a globally recognized and well-established insurance company, trusted by millions of customers around the world. For international travel insurance, Allianz offers two primary plan options: the Basic Plan and the Comprehensive Plan. The Basic Plan covers essential benefits like overseas emergency assistance and medical expenses, while the Comprehensive Plan extends coverage to include trip cancellation, lost luggage, and travel delays. Allianz also offers an Annual Multi-Trip Overseas Plan for frequent travellers, providing the convenience of continuous cover with benefits aligning with their Comprehensive plan4.
Cover-More vs Allianz: Main comparison
To help you understand the main benefits of both providers’ comprehensive covers and make it easier to see what could be a better fit for your travels, we’ve compiled some of the most important things to consider.
| Cover-More3 | Allianz4 | |
|---|---|---|
| 24hr medical assistance | Unlimited | Unlimited |
| Cancelling/changing trip | Optional cancellation cover | Delay cover: $3,000 |
| Luggage cover | Up to $20,000 | $10,000 |
| Rental Car excess | $5,000 | $6,000 |
| Cash | $500 | $250 |
| Pet Services | $300 for cat or dog boarding | N/A |
| Add-ons Available |
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Cover-More vs Allianz: Cost comparison
The following estimates were for a trip for two 35 year-old adults for a week (dates from 16/05/25 - 23/05/25)
New Zealand to Thailand
| Cover-More | Allianz | |
|---|---|---|
| Basic | $116 | $122.18 |
| Comprehensive | $138 | $169.72 |
| **Comprehensive+ ** | $158 | n/a |
The pricing above was quoted on 13/05/2025, please beware pricing may change.
New Zealand to United Kingdom
| Cover-More | Allianz | |
|---|---|---|
| Basic | $80 | $111.70 |
| Comprehensive | $94 | $154.96 |
| Comprehensive+ | $108 | n/a |
The pricing above was quoted on 13/05/2025.
New Zealand to Japan
| Cover-More | Allianz | |
|---|---|---|
| Basic | $116 | $109.14 |
| Comprehensive | $138 | $151.40 |
| Comprehensive+ | $158 | n/a |
The pricing above was quoted on 13/05/2025.
In general Allianz seems to have slightly higher pricing for their insurance packages. However, each trip is different. It's very important to take a lot of add-ons for specific needs for each trip, these can be for renting cars, adventure sports or any additional consideration you or your companions might need. These can make the total costs very different and have to be taken into account when budgeting for your travels.
Cover-More vs Allianz: Add-ons
Taking the trip to Thailand as an example, some of the add ons for each insurance are:
| Cover-More3 | Allianz4 | |
|---|---|---|
| Cruise Cover | $30 | $21.62 |
| Adventure activities | Adventure pack: $109 Adventure+pack: $169 | Adventure pack: $43.24 |
| Motorcycle/Moped riding | $89 | Included in adventure pack |
| Snow Sports | Snow Sports: $106 Snow Sports+: $214 | Snow pack: $144.24 |
| **Existing medical conditions ** | Limited criteria with some illnesses covered if there have not been any surgeries or issues in the last 6-12 months. | Medical assessment needed and approval done by Allianz. |
| Pregnancy | Limited cover, you will need to still apply if there have been complications, multiple pregnancy or the conception was medically assisted. | Pregnancy is only covered as unforeseen events, it doesn’t cover after 24 weeks. |
Cover-More vs Allianz: Choosing the right travel insurance for you
Ultimately, selecting the best travel insurance from New Zealand for your trip hinges entirely on your unique travel needs and priorities. Cover-More generally offers value on comprehensive cover, often with more appealing premiums. A distinct advantage for pet owners is their pet services cover. Conversely, Allianz, whilst sometimes carrying slightly higher standard comprehensive premiums, can prove more cost-effective for specific add-ons like adventure packs and cruise cover.
Given that each trip is unique, and pricing for add-ons can significantly alter the total cost, we always recommend getting tailored quotes directly from both Cover-More and Allianz. This will ensure you find the policy that perfectly aligns with your specific itinerary, activities, and medical needs, providing genuine peace of mind for your international travels.
Travelling soon? Safeguard yourself from foreign transaction fees with the Wise card
After sorting out your travel insurance, it’s time to plan the most cost-effective way to spend abroad. The Wise card is a simple way to save up to 8x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.
Simply create a Wise account for free, order a card and top-up NZD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in NZD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.
Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.
Savings claim based on our rates vs. selected New Zealand banks and other similar providers in Jan 2025. To learn more, please visit https://growth-layer.live/nz/compare%3C/a%3E%3C/small%3E%3C/p%3E%3Csmall%3E
Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
*** Sources:- Cover-More Domestic plans
- Cover-More International plans
- Cover-More Policy wording
- Allianz policy wording
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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