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CoverMore Travel Insurance

Cover-More Travel Insurance Review

Cover-More Travel Insurance's key features include being able to pick your own cancellation cover and a flexible excess. Just be sure to check what optional add-ons you might need.

1.0 ★★★★★ (4 reviews) Write a review

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Our Verdict:

  • Most holidaymakers in Australia should get peace of mind with Cover-More's competitive trip cancellation and amendment cover.
  • Cover-More offers specific cover for pandemic-linked expenses (be sure to check your policy's PDS or give this insurer a call to get the latest info on what this cover may or may not include).
  • The standard policy excess of $50 for Cover-More's domestic plan is a tad high – you can find a $100 excess with the likes of InsureandGo and Kit.

Review by our senior insurance writer James Martin

We've done the research and compared Cover-More policies to make your decision making easier when it comes to travel cover.

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Find a Cover-More travel insurance policy

Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
Cover-More International Basic Travel Insurance
  • Unlimited
  • Cover chosen
  • $5,000
Some cover
$250
Cover-More International Comprehensive Travel Insurance
  • Unlimited
  • Cover chosen
  • $15,000
Some cover
$250
Cover-More International Comprehensive+ Travel Insurance
  • Unlimited
  • Cover chosen
  • $25,000
Some cover
$250
Cover-More - Inbound Travel Insurance
  • Unlimited
  • Cover Chosen
  • $15,000
Some cover
$250
Cover-More Domestic Basic Travel Insurance
  • No
  • Cover Chosen
  • $0
Some cover
$50
Cover-More Domestic Comprehensive Travel Insurance
  • No
  • Cover Chosen
  • $5,000
Some cover
$50
Cover-More Domestic Comprehensive+ Travel Insurance
  • No
  • Cover Chosen
  • $15,000
Some cover
$50
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Who is Cover-More?

Cover-More has provided Australians with travel insurance for the past twenty years, with over ten million travellers served. They offer a range of travel insurance options for every type of traveller, from business and corporate travellers to students on a budget.

Starting in Sydney in 1986, Cover-More now has offices in New Zealand, the UK, China, India and Malaysia. Today Cover-More is one of Australia's largest e-commerce travel insurance businesses in Australia.

Pros and cons of Cover-More insurance

Pros

  • Cover-More offers a flexible range of options to suit any budget.
  • Access to a 24/7 emergency assistance team if you need to claim while you are overseas.
  • Higher age limits when compared to some other insurers.

Cons

  • The motorcycle cover is more restrictive than some other providers.
  • Does not cover pregnancy-related claims after the start of the 24th week.
  • Some inclusions need to be added on to your policy for an extra cost.

Summary of Cover-More's International Premium policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$25,000
Maximum Age Limit99

Table updated October 2021

Cover-More travel insurance review and policy benefits

Compare Cover-More policies side by side to decide which policy is best for your trip.

BenefitInternational BasicInternational ComprehensiveInternational Comprehensive+
Accidental death
$25,000$30,000
Additional ExpensesUnlimitedUnlimitedUnlimited
Amendments or cancellation costsCover chosenCover chosenCover chosen
Delayed luggage allowance$600$1,100$1,500
Disability
$25,000$30,000
Hijacking
$5,000$10,000
Hospital incidentals
$6,000$10,000
Loss of income
$30,000$45,000
Luggage and travel documents$5,000$15,000$25,000
Money
$250$500
Overseas medical and dentalUnlimitedUnlimitedUnlimited
Personal liability$1,000,000$2,500,000$5,000,000
Rental car insurance excess$0$5,000$5,000
Resumption of journey
$3,000$6,000
Special events
$5,000$6,000
Travel Delay
$2,000$3,000
BenefitDomestic BasicDomestic ComprehensiveDomestic Comprehensive+Inbound
Accidental death
$25,000$30,000$25,000
Additional Expenses$10,000$10,000$25,000Unlimited
Amendments or cancellation costsCover ChosenCover ChosenCover ChosenCover Chosen
Delayed luggage allowance
$1,100$1,500$1,100
Disability
$25,000$30,000$25,000
Hijacking
$5,000
Hospital incidentals
$6,000
Loss of income
$30,000$45,000$9,000
Luggage and travel documents$0$5,000$15,000$15,000
Money
$250$500$250
Overseas medical and dental
Unlimited
Personal liability$1,000,000$2,500,000$5,000,000$2,500,000
Rental car insurance excess$0$5,000$5,000$5,000
Resumption of journey
$2,000$3,000
Special events
$2,000$2,000$5,000
Travel Delay
$1,000$1,000$2,000
*Table last updated 18th October 2021

Compare policies with CoverMoreBack to top

Wondering about COVID-19 insurance options?

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

Optional extras

For more flexibility, CoverMore Travel Insurance gives you the option to add extra cover to your policy. This allows you to tailor the policy to suit your holiday so you pay for the things you need and ignore the ones you don't. Conditions still apply so make sure to review the policy documents (or PDS) in full before purchasing.

  • Snow sports such as skiing, snowboarding and snowmobiling are excluded unless you purchase an add-on
  • Adventure activities are covered up to a certain degree but if you're planning anything that could be considered risky, you can bump up the level of cover.
  • Pre-existing medical conditions need to be approved at the time of purchasing your policy in order to be covered
  • Luggage item limit increase. This allows you to pay an additional premium to protect any items that are valued above the policy limits
  • Motorcycle/moped riding can be added as an optional extra provided you hold a valid licence
  • Cruise cover can cover you for claims relating to a cancelled cruise or incidents that occur while on a cruise

What won't I be covered for?

All travel insurance policies have exclusions and Cover-More is no different. Your Cover-More policy won't provide any cover for a variety of events and circumstances. These include:

  • If you fail to properly safeguard your property
  • If your claim arises due to a pre-existing medical condition (unless approved for cover)
  • If you travel against medical advice or to seek medical treatment
  • If your claim arises because you were under the influence of drugs or alcohol (except those prescribed by a doctor)
  • If your claim arises because you participate in any extreme sports or activities not covered in your policy
  • If your claim arises from pregnancy after the start of the 24th week
  • If your claim involves motorcycling or moped riding as a driver or pillion passenger and you don't have the add-on
  • If your claim arises due to a multi-night cruise and you haven't purchased cruise cover
  • If your claim involves travelling in international waters in a private vessel

Read the Cover-More Travel Insurance PDS for a more detailed list of exclusions and restrictions.

Can I get Cover-More 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 policyMedical only policyDomestic policyAnnual multi-trip policy
Age limitUp to 99 yearsUp to 99 yearsUp to 99 yearsUp to 74 years
Maximum trip durationNot statedNot statedNot statedUp to 60 days per journey
Cover for overseas medical?UnlimitedUnlimited
Unlimited
Cover for pre-existing conditions?
Cover for cruising?Optional add-onOptional add-onOptional add-onOptional 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.

Cover-More 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 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. Peace of mind could be just a few clicks away.

Receive a Cover-More Quote

Questions you still might have about Cover-More

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38 Responses

  1. Default Gravatar
    JohnJuly 24, 2019

    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?

    • Avatarfinder Customer Care
      JeniJuly 25, 2019Staff

      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

  2. Default Gravatar
    CathFebruary 1, 2019

    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?

    • Avatarfinder Customer Care
      JoshuaFebruary 7, 2019Staff

      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 refer to our list of policies with cancellation cover. 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” 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 out again.

      Have a wonderful day!

      Cheers,
      Joshua

  3. Default Gravatar
    JudithJune 17, 2017

    I’d like to know how to insure for a parachute jump over the Grand cannon in USA.

    • Avatarfinder Customer Care
      RenchJune 17, 2017Staff

      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 check out our guide on travel insurance for skydiving and compare your options.

      Hope this information helped.

      Cheers,
      Rench

  4. Default Gravatar
    MariaJune 16, 2017

    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

    • Avatarfinder Customer Care
      RenchJune 16, 2017Staff

      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

  5. Default Gravatar
    VickiJanuary 3, 2017

    If I am travelling and caught up in a war or natural disaster do u assist?

    • Avatarfinder Customer Care
      RichardJanuary 4, 2017Staff

      Hi Vicki,

      Thanks for getting in touch.

      You will need to read through the product disclosure statement (PDS) on the website of CoverMore. By doing so, you’ll learn more about the specifics of their cover.

      If you want to explore other options, please feel free to compare other travel insurance brands featured on our website.

      Cheers,
      Richard

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