Get exclusive travel offers and guides
Straight to your inbox
By signing up, you agree to the Finder
Privacy & Cookies Policy
and
Terms of Use, Disclaimer & Privacy Policy.
CoverMore Travel Insurance
CoverMore travel insurance lets you earn 3 Virgin Velocity points for every $1 spent on a policy.
Types
Guides
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.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
Summary of CoverMore's International Premium policy
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Cover chosen |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 84 |
Table updated November 2020
CoverMore travel insurance review and policy benefits
Compare CoverMore policies side by side to decide which policy is best for your trip.
| Benefit | International Premium | International Medical Only | Domestic | Domestic Cancellation | Inbound |
|---|---|---|---|---|---|
| Accidental death | $25,000 | $10,000 | $10,000 | ||
| Additional Expenses | Unlimited | Unlimited | $10,000 | Cover chosen | Cover chosen |
| Amendments or cancellation costs | Cover chosen | $10,000 | Cover chosen | Cover chosen | |
| Delayed luggage allowance | $750 | $200 | |||
| Disability | $25,000 | $10,000 | |||
| Hijacking | $5,000 | $2,000 | |||
| Hospital incidentals | $6,000 | $1,000 | |||
| Loss of income | $10,400 | $1,500 | |||
| Luggage and travel documents | $15,000 | $3,000 | $3,000 | ||
| Medical and dental expenses | $1,000,000 | ||||
| Money | $250 | ||||
| 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 | $6,000 | $4,000 | |||
| Resumption of journey | $3,000 | ||||
| Special events | $5,000 | $2,000 | |||
| Travel Delay | $2,000 | $750 |
*Table last updated 23rd November 2020
Back to topPolicies Available from CoverMore
CoverMore offer 6 different policies for your trips abroad or at home.
International Premium
International Medical Only
Annual Multi Trip
Domestic
Domestic Cancellation Only
Inbound
Back to top Find out how to protect your finances during the global coronavirus pandemic with insurance.
Looking for other insurance options?
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.- 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.
| Premium policy | Medical only policy | Domestic policy | Annual multi-trip policy | |
|---|---|---|---|---|
| Age limit | Up to 84 years | Up to 84 years | Up to 99 years | Up to 74 years |
| Maximum trip duration | Not stated | Not stated | Not stated | Up to 60 days per journey |
| Cover for overseas medical? | Unlimited | Unlimited | Unlimited | |
| Cover for pre-existing conditions? | ||||
| Cover for cruising? | Optional add-on | Optional add-on | Optional add-on | Optional add-on |
Cover-More's travel GP services
If you’re overseas and you need expert medical advice, Cover-More can put you in touch with an Australian doctor through its Travel GP Service. An Australian first for travel insurers, this service allows you to consult an Australian doctor for expert medical advice tailored to your situation.
You can contact the service 24 hours a day, seven days a week from anywhere in the world. This can be very handy when you are in a foreign country and you don’t understand the local medical system, let alone speak the language.
A Travel GP can perform a medical consultation over the phone to discuss your health situation and give you the expert medical advice you need - in English. This leaves you free to get back to enjoying your trip as quickly as possible.
Alternatively, if you need to see a doctor on the ground, Cover-More can refer you to an appropriate medical facility close to your location.
CoverMore travel insurance claim and contact details
Claims and contact details
Emergency contact details: +612 8907 5619
Making a claim online: Visit claims.covermore.com.au and follow the prompts
Making a claim via post: Download, print and complete a claims form from claims.covermore.com.au. Send to; Cover-More Traevl Insurance Claims Department Private Bag 913 North Sydney, NSW, 2059, Australia
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
More guides on Finder
-
CoverMore travel insurance promo code and deals
Discover special offers from CoveMore travel insurance. Read our review for a breakdown of cover and promotions from CoverMore travel insurance.
Ask an Expert
I am taking a cruise in November this year. Drugs & Alcohol is excluded. I have a medical condition and only have one to two classes of beer a week,
and have a fall and I have had one class of beer. What is your limit on alcohol before it is excluded?
Hi John,
Thank you for getting in touch with Finder.
CoverMore’s PDS mentions that they will not pay any claims involving “any conduct engaged in whilst under the influence or effect of alcohol or drugs”. Please get in contact with CoverMore if you would like more specific information on how they treat alcohol consumption.
We also have a page that talks about alcohol and travel insurance in general.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi. I am travelling to the UK to attend a work conference. If this event is cancelled, I will not be travelling. Can you advise which companies offer a cancellation policy that covers this?
Hi Cath,
Thanks for getting in touch with finder. I hope all is well with you. :)
Generally speaking, your travel cancellation insurance cover events that are unexpected and outside of your control. For this reason, since whether your conference will push through or not is beyond your control, you will most likely be covered.
Cover-More can be one of your options. However, if you are also exploring other providers, you can go to this page. On that page, you will learn more about travel cancellation insurance. There’s a form as well on that page that you can fill out to obtain a quote. Once you get a quote, compare them and click on the “Go to site” green button to be redirected to their website. From there, you can then confirm with your chosen insurer if they cover your travel in case your conference will not push through.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
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