Get unlimited overseas medical cover and lots more with Cover-More Travel Insurance
This review discusses the benefits of taking out travel insurance with Cover-More and gives an overview of their competitive range of products. Finding the right travel insurance for your trip is not only about finding the right policy, but also finding a provider that you are confident will provide the right assistance in the event that you suffer a loss while traveling. With 25 years of experience and over 10 million travelers covered, Cover-More offers an extensive range of cover options to meet the needs of many different travelers.
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.
Cover-More Travel Insurance Policy Benefit Overview
| Benefit | International Premium | International Medical Only | Domestic | Domestic Cancellation | Inbound |
|---|---|---|---|---|---|
| Accidental death | $20,000 | $10,000 | $10,000 | ||
| Additional expenses | Unlimited | Unlimited | $10,000 | Cover chosen | $10,000,000 |
| Amendments or cancellation costs | Cover chosen | $10,000 | Cover chosen | Cover chosen | |
| Delayed luggage allowance | $750 | $200 | |||
| Disability | $20,000 | $10,000 | |||
| Hijacking | $5,000 | $2,000 | |||
| Hospital incidentals | $3,500 | $1,000 | |||
| Loss of income | $6,000 | $1,500 | |||
| Luggage and travel documents | $6,000 | $3,000 | $3,000 | ||
| Medical and dental expenses | $1,000,000 | ||||
| Money | $100 | ||||
| Overseas medical and dental | Unlimited | Unlimited | $10,000,000 | ||
| Personal liability | $2,500,000 | $2,500,000 | $200,000 | $1,000,000 | |
| Rental car insurance excess | $3,000 | $4,000 | |||
| Resumption of journey | $3,000 | ||||
| Special events | $1,000 | $2,000 | |||
| Travel delay | $1,000 | $750 |
Policies Available from Cover-More
Premium Travel Insurance
Cover-More Premium Travel Insurance offers comprehensive international travel cover to provide ultimate peace of mind when you head out to explore the world. It offers the following benefits:
- Unlimited cover for overseas emergency medical and dental expenses
- Cover for hospital incidentals
- Cover for travel and luggage delays
- Cover for lost or stolen luggage and travel documents
- Cover for rental insurance excess
- Cover for disability and loss of income
Kids can be included for free on their parents’ policy, while Premium Travel Insurance is available as a single trip or annual multi-trip policy. Policyholders can access Cover-More’s 24-hour Global Emergency Assistance Centre and also choose from Winter Sports, Cruise and Motorcycle Cover options.
Medical Only Travel Insurance
Cover-More Medical Only Travel Insurance is designed to offer crucial financial protection and 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. Benefits include:
- Unlimited cover for overseas emergency medical and dental expenses
- Unlimited cover for additional expenses, for example if you are deemed medically unfit to continue travelling and you need to cancel the rest of your trip
- $2.5 million of personal liability cover
Annual Multi Trip Travel Insurance
Designed for frequent travellers, Cover-More’s Annual Multi Trip Travel Insurance offers the same cover as a Premium Travel Insurance policy. However, it covers you for all the trips you take during a 12-month period and if you plan on taking several trips a year, it works out to be much more affordable than buying a single trip policy for each individual journey you take.
Cover benefits include:
- Your choice of maximum duration for each covered trip: 30, 45 or 60 days
- All trips covered as long as your destination is more than 250km from home
- Unlimited number of journeys covered
- 24-hour emergency assistance
- Choose a higher excess to receive a lower premium
- Free global SIM card
- 15-day money-back guarantee
Domestic Travel Insurance
If you’re planning a holiday within Australia, Cover-More offers two domestic travel insurance options to provide peace of mind and financial protection: Cancellation Only and Domestic.
A Cancellation Only Domestic Travel Insurance policy provides protection against the loss of pre-paid deposits and cancellation fees when unexpected circumstances beyond your control, for example the death of a relative, force you to cancel or cut short your trip.
Meanwhile, Domestic Travel Insurance is designed to offer comprehensive cover for trips within Australia. It provides $10,000 of cover for amendment or cancellation costs resulting from circumstances beyond your control, plus $3,000 of cover when your luggage or travel documents are lost, stolen or damaged. Other benefits include cover for rental vehicle insurance excess, travel delay, special events, loss of income, disability, accidental death and personal liability.
Inbound Travel Insurance
Cover-More Inbound Travel Insurance is designed to offer cover to for non-Australian residents travelling to and within Australia. Available to travellers up to 69 years old, this policy includes:
- $1 million of cover for medical and dental expenses
- Cover for amendment and cancellation costs that arise due to unforeseen circumstances beyond your control
- Cover for lost and stolen luggage and travel documents
- Cover for additional expenses incurred to get you to a special event on time
- Cover for hospital incidentals
- $1 million personal liability cover
- $10,000 accidental death benefit
Types of cover available
- Annual Multi Insurance: Provides cover for an unlimited number of trips in a year provided the destination is more than 250 km from your home
- International Multi Trip: Choose a maximum duration of travel of 30, 45 and 60 days
- Domestic Trip
Cover-More Business
Cover-More’s business policy is a comprehensive plan tailored toward individuals that travel regularly for business and their families. Who should take out this policy? This policy is tailored towards people that travel for business multiple times throughout the year. It is an annual trip policy providing cover for multiple trips under a single policy. Key Features:
- Provides cover for travellers up to 74 years of age
- Policyholder is able to take an unlimited number of trips in a 12 month period
- Applicants have the choice of choosing trip duration periods of 30, 60 and 90 days. The selection of longer periods will incur a higher premium payment
- Cover will be effective for trips where the policyholder has travelled more than 250km from their home
- Policy includes cover for up to 6 weeks of vacation travel in a 12 month period
- Policy includes family cover for spouse and dependent children under the age of 21
- Applicants are entitled to a range of excess options to add to their policy
- 24 hour emergency assistance through Cover-Mores assistance partner Customer care
Additional cover options for your Cover-More travel insurance policy
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
More Reasons to Choose CoverMore
- Rich company history: Established in 1986, Cover-More has served the travel insurance needs of Australians for over 25 years. The company has served more than 10 million travellers since its early beginnings and is not slowing down anytime soon, with an average customer base of over 1 million each year. The company has expanded to now have offices throughout Australia, New Zealand and the United Kingdom.
- Experienced staff: Cover-More now employs more than 200 people in Australia and its experienced team is on hand 24 hours a day, 7 days a week to provide quality assistance when it is needed.
- Pre-travel doctor consultation: Australian travellers going overseas can access a telephone consultation with a GP that specialises in travel medicine. The GP will devise a plan based on the destination and timing, including vaccinations and immunisations.
- International Emergency Assistance 24/7: Cover-More works under Customer Care to provide 24 hour emergency support to travellers anywhere in the world. With 25 years experience, Customer Care has grown to become one of the largest customer-focussed assistance organisations in the world. Cover-More provides medical and travel related support to Cover-More policyholders when needed most.
- Munich ReGroup: Cover-More Travel Insurance policies are underwritten by Great Lakes Insurance who is a wholly owned subsidiary of Munich Re Group, one of the largest insurance groups in the world. Munich Re Group boasts a client base of over 33 million people in 25 different countries and a premium income of $68 billion per annum.
- Diverse product range: Cover-More has developed a range of travel insurance products to meet the cover needs for a diverse range of travellers. Whether you are looking for a single trip policy for a quick getaway or annual cover for business trips, you can be sure to find a policy that will provide adequate cover without breaking your budget. What's more, policies can be tailored to meet your specific travel needs through the addition of optional cover benefits, giving you the ability to avoid policy exclusions that may restrict your travel plans.
- Free global SIM: Every Cover-More customer taking out insurance for a period of 7 days or more is rewarded with their own global sim card completely free of charge so they can enjoy cheap calls, SMS and data when they travel overseas. There are no hidden charges or minimum spends and the sim is prepaid so you won’t be suffering any bill shock on your travels.
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.
How do I make a claim with Cover-More?
There are two choices available when you wish to make a claim on your Cover-More Travel Insurance policy. You can either:
- Complete an online claim. All you have to do is visit claims.covermore.com.au and follow the prompts; or
- Download and print out a claim form. Forms are available from covermore.com.au and once completed can be returned to the insurer.
You will also need to attach any receipts and other supporting documents along with your completed claim form. The claim form includes a checklist of the supporting documents you may need to submit — for example police reports, medical reports, receipts and proof of ownership — and Cover-More requires original documents so make sure to keep a copy.
Your claim form and supporting documents can be sent to:
- Cover-More Travel Insurance Claims Department
- Private Bag 913
- North Sydney NSW 2059 Australia
How do I apply for Cover-More 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.
I’d like to know how to insure for a parachute jump over the Grand cannon in USA.
Hi Judith,
Thanks for your question.
Cover for a high-risk activity like skydiving comes with conditions, although the specifics will vary between insurers and policies. Please visit this page for helpful info and compare your options.
Hope this information helped.
Cheers,
Rench
Could you please tell me, if I took out the insurance policy because of a medical reason, we were unable to go. Will this policy cover me?
Thank you
Hi Maria,
Thanks for your inquiry. Please note that we are not affiliated with Cover-More or any company we feature on our site and so we can only offer you general advice.
If you are aware of circumstances which would stop you from traveling at the time you took out your policy, then this would not be considered as something unforeseen and would not be covered on Cover-More policies.
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 also suggest contacting Cover-More directly to confirm further information.
Cheers,
Rench
If I am travelling and caught up in a war or natural disaster do u assist?
Hi Vicki,
Thanks for getting in touch. You will need to read through the product disclosure statement (PDS) on the Cover-More Travel Insurance website about the specifics of their cover.
Cheers,
Richard
Hi, just want to know if I can get travel insurance for 2 people to Bali from 30/08/16 to 11/09/16 and will you cover for Ash Cloud for this time.
Thanks
Hi Wendy,
Thanks for your question. As the ash cloud is a known event, you won’t be able to find cover for delays that are a result of the ash cloud. The cut-off date for when you needed to have bought cover by varies from insurance brand.
In regards to Cover-More, if you purchased your policy on or after Tuesday 2 August 2016 there is no cover for amendment or cancellation costs as the Mount Rinjani volcanic ash cloud is no longer deemed an unforeseen event.
You should monitor the situation to stay up date with the conditions in the region and when insurers lift the moratorium on cover related to ash clouds.
I hope this was helpful,
Richard
My travel agent has told me that Cover More Travel Insurance covers acts of terrorism eg delays and accommodation. I can’t find it on the site. Is it true? Thank you.
Hi Cassie,
Thanks for your question. According to the Cover-More PDS, you’re covered for amendment or cancellation costs if due to circumstances outside your control and unforeseen at the relevant time:
I hope this was helpful,
Richard
My name is Conchita. I am travelling to Manila to visit family, leaving October 11 and returning November 7
Hi Conchita,
Thank you for your enquiry. You can receive a quote for Covermore Travel Insurance by entering your trip details on the quoting engine here https://www.finder.com.au/travel-insurance
Thank you and all the best,
Will
I am 73 yrs and travelling with a company travel agent to South Africa for 15 days. I have been told that the policy must cover emergency evacuation. Which the one to choose and what is your cost?
Thank you
Diana
Hi Diana,
Thanks for your question. Unfortunately, finder.com.au is a comparison service and not an insurer. Many of the policies from the insurers in our panel provide cover for evacuation and repatriation. If you would like to compare the policies on what they cover and their cost, please enter your travel details into the comparison engine on the travel insurance homepage.
I hope this was helpful,
Richard
HI, Have you heard of rentalcover.com?
Hi Lim,
Thanks for your question. If you would like to know more about this provider, please read our rentalcover.com review.
I hope this was helpful,
Richard
Hi, my husband bought travel insurance with car rental access. My name is listed in the policy. However in the car rental agreement, i am the one who rented the car. Am I covered for the insurance for the car excess? Does cover more covers for single vehicle cover as well as multiple cover? We are travelling to europe in mid april. Thanks
Hi Dore,
Thanks for your question. It will depend on your policy and whether or not you’re cover for rental excess. It would be a good idea to contact Cover-More directly for clarification in this matter.
I hope this was helpful,
Richard
Hi I purchased travel insurance 3 weeks ago. I know that there is a 15 day cooling off period which I have missed but do I get any form of refund if I cancel my policy now due to canceling my entire trip. Thank you
Hi Alex,
Thanks for your question. No, once you are past the cooling-off period, you won’t be able to get a refund. However, if you did incur any losses for pre-paid travel arrangements or nonrefundable bookings, your travel insurance may help you recoup those losses.
I hope this was helpful,
Richard