CoverMore Travel Insurance

A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

With 25 years of experience and over 10 million travellers covered, Cover-More offers an extensive range of cover options to meet the needs of many different travelers. On top of that, CoverMore are one of the few Australian insurers that offers some cover for mental health conditions. We've done the research and compared policies to make your decision making easier when it comes to travel insurance.

Compare Cover-More travel insurance policies

• Who Underwrites Cover-More Travel Insurance?

  Insurance administered by Cover-More Insurance Services Pty Ltd ABN 95 003 114 145 AFSL 241713. The issuer of insurance is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.

Summary of CoverMore's International Premium policy

^{Table updated February 2020}

CoverMore travel insurance review and policy benefits

Compare CoverMore policies side by side to decide which policy is best for your trip.

*Table last updated 25th July 2019

Policies Available from CoverMore

CoverMore offer 6 different policies for your trips abroad or at home.

International Premium

Offers comprehensive international travel cover to provide ultimate peace of mind when you head out to explore the world.

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International Medical Only

Provides financial assistance if you suffer an injury or illness while overseas. It aims to offer affordable protection for those travellers who only want cover for the bare essentials.

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Annual Multi Trip

For trips of 30, 45 or 60 days at a time. This policy gives you 12 months of cover and provides the same level of cover as a premium policy.

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Domestic

Comprehensive cover for trips within Australia

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Domestic Cancellation Only

Provides protection against the loss of pre-paid deposits and cancellation fees when unexpected circumstances beyond your control

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Inbound

Designed to offer cover for non-Australian residents travelling to and within Australia. This policy is available for those up to 69 years old.

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Find out how to protect your finances during the global coronavirus pandemic with insurance.

Additional cover options

Cover-More understands that no two travellers needs are the same and have a number of additional cover options available to let you tailor your policy closer to your needs.

• Increase cover for luggage. If you are taking high-value items with you on your trip that fall outside the default value threshold offered on the place you are considering, you can apply to register these items to ensure adequate cover is in place. For an additional premium loading, you can increase your cover for luggage and personal items to a limit of $4,500. It is worth noting that in the event of a claim, Cover-More will require proof of purchase documentation. This may be in the form of a receipt or valuation document.
• Car hire excess. If you are planning to hire a car overseas, you may want to take out additional car hire excess to avoid a hefty bill from the rental company in the event of an accident.
• Hitting the slopes? You might want cover for skiing, snowboarding and snowmobiling. If you are planning a vacation to the snow, you may want to take out additional cover for on-piste skiing to ensure you are covered in the event of injury. It is worth noting that Cover-More Travel Insurance will only provide cover for incidents that occur on-piste and there is no cover for racing or professional winter sports.
• Cover for motorcycle and moped accidents. If you are looking to hire a motorcycle or moped on your travels, you will need to take out additional cover, as it is not provided as a standard benefit on Cover-More’s policies. This option can provide cover even if you are the passenger on a motorcycle or moped. Some general conditions of this cover option:
  • Motorcycle must have a maximum engine capacity of 200cc
  • You must be wearing a helmet if involved in an accident
  • You must hold a valid Australian motorcycle license. If you are a passenger on a motorcycle and involved in an accident, the driver must hold an approved license

Looking for Cancel-for-any-reason (CFAR) cover?

Please note that Cover-More has announced a suspension of any new Cancel For Any Reason (CFAR) policies as of 5pm AEST on Friday 13 March 2020 in Australia and New Zealand, in the face of the global coronavirus crisis. If you've already purchased CFAR before this date, you'll still be covered as per the usual terms and conditions.

You can get CFAR cover as an add-on to specific CoverMore policies. This add-on literally allows you to cancel your trip for any reason, and get up to 75% of your out-of-pocket expenses back. Seem too good to be true? Here are a few conditions to be aware of;

• It's only available through certain travel agents such as Flight Centre - it's not even offered directly through CoverMore
• There's a limit to how much you can get cover for
• You need to buy cover with the add-on within a certain time frame of booking your trip
• You need to cancel your trip at least 48 hours before you're supposed to depart

Can I get CoverMore travel insurance for seniors?

Yes, CoverMore has overall higher age limits than other travel insurers. If you're older than the ages below, you might still be able to get cover by calling them directly. Other limits might apply depending on your individual circumstances.

CoverMore travel insurance claim and contact details

How do I apply for CoverMore Travel Insurance

If you are interested in taking out one of the travel insurance policies on offer from Cover-More, you can follow the secure links through to the Cover-More website and begin your application. Quotes can be received and cover put in place entirely online provided you do not have any pre-existing medical conditions. It is crucial to read through the product disclosure statement prior to purchasing your policy to have a clear understanding on exactly what is and what is not covered under your policy.

Some final questions you might have about Cover-More

• How long does cover last for?

  Most of the policies provided by Cover-More Travel Insurance will allow you to travel for up to 18 months.

• How many children can be covered under a policy?

  There is no limit on the number of children that can be covered under Cover-More Travel Insurance policies except for Corporate cover where the limit is 6. Accompanying children must be either your children or grandchildren and must be under 21 years of age and not engaged in full-time work.

• Is cover provided for professional sporting activities?

  Cover-More Travel Insurance will not pay claims arising from any professional sporting activity. A full list of the sports and other activities that Cover-More Travel Insurance will cover can be found in the product disclosure statement.

• Is it possible to make non-business trips under the Business plan?

  Policyholders are able to take up to 6 weeks of holiday travel and remain protected under the Business policy.

• Are drug and alcohol related claims excluded?

  Yes, Cover-More Travel Insurance will not pay out on any claims arising where the policyholder has been under the influence of drugs or alcohol.

• Am I covered for pre-existing medical conditions?

  All Cover-More Travel Insurance policies will provide cover automatically for certain medical conditions. These can be found in the product disclosure statement. Other medical conditions will require individual assessment by Cover-More and will usually incur a premium loading.

• Can I cancel my policy?

  Each policy has a 15-day cooling off period in place whereby the policy can be cancelled and a full refund will be provided to the policy owner. The policy must not already be in force and the policy owner must not have commenced their trip.

• I do not have all the documents that are required for a claim. Can I still claim on my policy?

  In the event that you do not have all the claim documentation required for your claim, a Cover-More Travel Insurance claim officer will assess your file and advise whether the other evidence provided is eligible for a claim to be processed.

• When do I need to lodge a claim?

  Cover-More requires any claim to be lodged within 60 days of the policyholders return home.

• How long will it take for my claim to be processed?

  Cover-More aims to process all claims within 10 business days.

• Can I extend my trip?

  In the event that you want to extend your trip, you must purchase a new policy prior to the expiry of the original policy.