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When it comes to travel, the importance of being prepared for the unexpected cannot be overstated. Whether it’s a minor inconvenience or a major emergency, having reliable travel insurance can make all the difference. Here are some snippets of real-life stories from Cover-More customers—and one of our own HealthCarePlus Members—about their experiences. These stories highlight not only the seamless claims process but also the value of having the right coverage when you need it most.
1. Altitude sickness in Nepal
Many people’s bucket lists include the Mount Everest base camp trek. However, the rough climate and thin atmosphere can result in altitude sickness, including headaches, fatigue, and nausea. One of Cover-more customers experienced this during their trip and, thankfully, purchased the Adventure Activities + add-on before they left. Due to this extra coverage, Cover-more was able to cover their evacuation to the nearest hospital and medical expenses.
2. Mountain bike accident in the USA
Making their way down the rugged trail on a guided mountain bike tour, Cover-more's customer was too distracted by the beautiful views and skidded on loose gravel, sending them tumbling to the ground. A sharp pain shot through their body, leaving them immobile. Their tour guide arranged an emergency evacuation where they were treated for their bruising and fractured ribs.
3. Snowboarding accident in Canada
Swerving and weaving through a crowd of snowboarders and skiers, Cover-more's customer lost control on a mountain in Canada while snowboarding down an alpine slope and unfortunately crash-landed on the ice.
Landing on their left side and worried they may have broken something, they were taken off the mountain and to the nearest hospital, where they had a follow-up X-ray and check-up. Thankfully, nothing was broken. Cover-more covered their medical expenses as they had purchased the Snowsports add-on.
4. A HealthCarePlus Member’s Experience: Lost Luggage in South Africa
“Last year, my family planned a surprise visit to South Africa for a significant milestone birthday. We purchased our travel insurance through the special offer with Cover-More promoted by HealthCarePlus.
Our trip started with a delayed flight from Wellington, leading to a last-minute rebooking. While we managed to catch our flight to South Africa, our luggage did not. Upon arrival, we discovered that all passengers from Wellington were missing their bags. Initially, we were told our bags would arrive in three days, so we purchased only necessities. However, the wait extended to ten days, during which we had to buy full wardrobes, suitcases, and other essentials.
When we returned home, we submitted a claim with Cover-More, providing all receipts. To our delight, they quickly processed our claim and refunded all our costs—including the new suitcases. Their support made a stressful situation much more manageable.
If you’re planning an overseas trip, I highly recommend using your HealthCarePlus membership to get a quote from Cover-More. Their pricing was competitive, and when we needed them, they were excellent.
A final tip: Take a photo of your bags before you travel. This can help airport staff track them down more efficiently if they go missing.”
— GS, HealthCarePlus Member, Wellington
5. Dental Emergency in Thailand
A family holiday turned stressful when a child slipped and fell on wet tiles outside a shop on a rainy day. The fall resulted in facial scrapes and two broken front teeth. Thanks to their Cover-More travel insurance, the family was covered for emergency dental treatment, ensuring the child received the necessary care without financial strain.
6. Pickpocket Incident in Argentina
One of Cover-more's customers was navigating a packed subway in Argentina, cautiously keeping their backpack wrapped around in front of them. Unfortunately, upon exiting the carriage, they realised their phone was missing. They immediately reported the theft to the police, a necessary step for the claims process. Cover-More quickly processed their claim, helping them recover the cost of their lost phone.
7. Car Accident in Australia
A family road trip in Australia took an unexpected turn when another driver switched lanes without checking their blind spot, causing a collision that damaged the left-side passenger door of our customer’s vehicle. The other driver admitted they hadn’t seen the vehicle due to sunstrike at sunset. Fortunately, Cover-More covered the repair costs, easing the financial burden on the family.
Remember, as a HealthCarePlus member, you get 15% OFF when you get your travel insurance online with Cover-More
Plus, if you buy a travel insurance policy with Cover-More by 31 August 2025, you'll go in the draw to win one of five $500 Travel Vouchers.
(*) Read Promotion Terms & Conditions here
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