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
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 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
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 check out our guide on travel insurance for skydiving 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 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