Why Kiwis Choose the Cover-More Great Stay Policy for Canada Working Holidays

Why the Cover-More Great Stay Insurance Policy Works Well for Kiwis

You’ve got the visa. Your puffer jacket is packed. You're eyeing up that Vancouver coffee scene or dreaming of chasing powder in Banff. There’s a long to-do list before your Canada working holiday kicks off—and somewhere near the bottom (but honestly, should probably be higher) is travel insurance.

If you’re heading overseas to live, work, and explore, getting the right cover can save you a world of stress if plans go sideways.

So, let’s talk about a policy a lot of our clients ask about for Canada:  Cover-More Great Stay.

What is the Great Stay Policy, and Why Do Kiwis Use it For Canada?

Think of it as solid, long-term cover for people who are doing more than just passing through. You’re not on a pampered tour—we’re talking working holidays, couch-surfing, hostel-hopping, and everything in between.

Here’s why it tends to work well for travellers heading to Canada for a working holiday:

What The Cover-More Great Stay Includes

This policy is built for longer stays and real-world travel—not just fancy resorts and tour buses.

You’ll get:

• Unlimited Medical and Repatriation Cover So if you break your wrist snowboarding or come down with something nasty in the middle of a -20°C week, this will help cover treatment and even get you home if needed.
• Up to $10,000 Cancellation Cover If you’ve booked flights and hostels and then have to cancel for a covered reason (like getting sick before your trip even starts), this helps you claw back the costs.
• $8,000 for Lost or Damaged Luggage Backpacks go missing, phones get dropped off ski lifts—it happens. This can help soften the blow.
• $10,000 Rental Vehicle Excess Cover Handy if you plan to road trip through the Rockies or hire a van to get around on your days off.
• $2.5 Million in Personal Liability Covers those “oops” moments—like spilling something on your laptop or damaging your shared flat’s furniture.

Where This Policy Fits Like A Glove

This one’s a strong fit if you’re:

• On a Working Holiday Visa You're allowed to work—so whether it’s café shifts or retail jobs, you’re covered. (Just no paid sport stuff—more on that below.)
• Planning To Ski or Snowboard You’re covered for snow sports within ski field boundaries (so yes to hitting the slopes on your days off).
• Pretty Active Mountain biking in Whistler? Ziplining in BC? Light hiking through Jasper? Covered. We’ve got your back—just double-check the fine print or ask us if it’s a bit out there.
• Concerned About Covid-19 It’s still a thing. This policy includes cover for certain situations like cancelled bookings due to illness or quarantine requirements.
• Living With a Pre-Existing Condition Some common conditions are automatically covered. There’s no option to add more, but we can help you check if your specific situation fits—or suggest other cover if needed.

What Isn’t Covered (So You’re Not Caught Off-Guard)

No travel insurance covers everything, and this one’s no different. Here's what you need to know:

• Jobs Involving Sport or Heavy Risk If you’re planning to be a ski instructor, lifty, or anything else that counts as a sports-related job, this policy won’t cut it. But don’t stress—we’ve got other options for you.
• Backcountry Snow Adventures Love the idea of hitting off-piste powder or heli-skiing? This policy doesn’t cover you for snow sports outside patrolled ski areas. Again, chat with us—we’ll point you to a better fit.
• Extra Pre-Existing Health Conditions Can’t add extra medical conditions to this policy. But we know who can—our job is finding the right match, not pushing one brand.
• High-Risk Activities (Unless You Tell Us First) Thinking of doing something a bit wild (ice climbing, paragliding, etc.)? Let us know so we can check exactly what’s covered and what’s not.

Is The Great Stay Policy The Right Fit For Your Canada Plans?

It’s likely a good shout if you’re:

• Heading to Canada to work (not in sport)
• Planning to ski or snowboard at patrolled ski fields
• Taking a decent amount of gear with you
• Keen to protect yourself from medical bills or Covid-19 curveballs, without sifting through legal jargon

But if it’s not ticking every box, no worries. That’s where we come in. Our job isn’t to sell you a cookie-cutter policy—it’s to help you find something that actually suits your plan.

We’re licensed travel insurance brokers, which means we work for you—not a specific provider.

Still Unsure? Let’s Talk, Properly

Absolutely fair if your brain’s spinning a bit. There’s a lot to figure out before moving to Canada (like how to survive a proper Canadian winter in $12 thermals).

So if you’re not 100% sure which way to go, just reach out. We’ll walk you through the options—zero pressure, just straight answers.

Whether you’re teaching ski lessons, making lattes in Whistler, or bouncing between cities on working stints, we’ll help you sort out cover that won’t let you down when it matters.

Handy Links For Your Canada Prep

• Cover-More Travel Insurance – for official product details
• Travel Insurance Brokers Ltd – real people, real help
• Working Holiday Insurance Guide (NZ > Canada)
• SafeTravel (MFAT) – the government advice hub for travelling Kiwis

You’ve already made the big decision—to pack your life into a bag and try something new in another hemisphere. Good on ya.

Let us help you tick “travel insurance” off the list, so you can focus on bigger things—like finding the best poutine, tracking down a decent flat white, or not slipping over on black ice.

Less drama. More freedom. Sorted insurance, the way it should be.

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