CoverMore Travel Insurance Review | April 2021

CoverMore Travel Insurance

CoverMore travel insurance lets you earn 3 Virgin Velocity points for every $1 spent on a policy.

CoverMore Travel Insurance

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!


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 border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
    warningFinally, some good news! 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.

    Here's your valid CoverMore deal

    CoverMore Travel InsuranceCoverMore Travel Insurance

    CoverMore Travel Insurance

    Earn Velocity Points with Cover-More

    Last verified

    Compare Cover-More travel insurance policies

    Data updated regularly
    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    CoverMore International Premium Single Trip Travel Insurance
    • Unlimited
    • Cover chosen
    • $15,000
    Some cover
    CoverMore Domestic Single Trip Travel Insurance
    • No
    • $10,000
    • $3,000
    Some cover

    Compare up to 4 providers

    Summary of CoverMore's International Premium policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Amendment FeesCover chosen
    Luggage and Personal Effects$15,000
    Maximum Age Limit84

    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.

    BenefitInternational PremiumInternational Medical OnlyDomesticDomestic CancellationInbound
    Accidental death$25,000
    Additional ExpensesUnlimitedUnlimited$10,000Cover chosenCover chosen
    Amendments or cancellation costsCover chosen
    $10,000Cover chosenCover chosen
    Delayed luggage allowance$750
    Hospital incidentals$6,000
    Loss of income$10,400
    Luggage and travel documents$15,000
    Medical and dental expenses
    Overseas medical and dentalUnlimitedUnlimited
    Personal liability$2,500,000$2,500,000$200,000
    Rental car insurance excess$6,000
    Resumption of journey$3,000
    Special events$5,000
    Travel Delay$2,000

    *Table last updated 23rd November 2020

    Back to top

    Policies Available from CoverMore

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

    International Premium

    International Medical Only

    Annual Multi Trip


    Domestic Cancellation Only


    Compare policies with CoverMoreBack to top

    Looking for other insurance options?

    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?

    warningPlease 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.

    Premium policyMedical only policyDomestic policyAnnual multi-trip policy
    Age limitUp to 84 yearsUp to 84 yearsUp to 99 yearsUp to 74 years
    Maximum trip durationNot statedNot statedNot statedUp to 60 days per journey
    Cover for overseas medical?UnlimitedUnlimited
    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.

    CoverMore travel insurance claim and contact details

    Claims and contact details

    Emergency contact details: +612 8907 5619

    Making a claim online: Visit and follow the prompts

    Making a claim via post: Download, print and complete a claims form from 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.

    Receive a Cover-More Quote

    Some final questions you might have about Cover-More

    More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    38 Responses

      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!


      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!


      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.


      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.


      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.


      Default Gravatar
      WendyAugust 2, 2016

      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.

        Avatarfinder Customer Care
        RichardAugust 3, 2016Staff

        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 varies from insurance brand. You can learn more about this through our Bali ash cloud guide.

        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 updated with the conditions in the region and when insurers lift the moratorium on cover related to ash clouds.

        I hope this was helpful,

      Default Gravatar
      CassieNovember 17, 2015

      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.

        Avatarfinder Customer Care
        RichardNovember 18, 2015Staff

        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:

        • Claims arising directly or indirectly from an Act Of Terrorism or the threat or perceived threat of an Act Of Terrorism.

        I hope this was helpful,

      Default Gravatar
      ConchitaSeptember 11, 2015

      My name is Conchita. I am travelling to Manila to visit family, leaving October 11 and returning November 7

        Avatarfinder Customer Care
        WilliamSeptember 11, 2015Staff

        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 at our travel insurance page. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        Thank you and all the best,

      Default Gravatar
      DianaApril 9, 2015

      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

        Avatarfinder Customer Care
        RichardApril 10, 2015Staff

        Hi Diana,

        Thanks for your question.

        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,

      Default Gravatar
      LimMarch 31, 2015

      HI, Have you heard of

        Avatarfinder Customer Care
        RichardMarch 31, 2015Staff

        Hi Lim,

        Thanks for your question.

        We have a dedicated page for a review of Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        I hope this was helpful,

    Go to site