Cover-More Travel Insurance

Pros

• Most holidaymakers in Australia should get peace of mind with Cover-More's unlimited overseas medical expenses and additional expenses.
• Cover-More offers some cover for pandemic-linked expenses, including overseas medical and cancellation and amendment costs.

Cons

• Limited cover for pregnant travellers and those with certain serious medical conditions.

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Summary of Cover-More's International Comprehensive+ policy

Overseas medical and hospital expenses	Unlimited
Cancellation and amendment fees	Cover chosen
Luggage and personal effects	$25,000
Maximum age limit	99

^{Table updated June 2024}

How does Cover-More Travel Insurance cover COVID-19?

Cover-More offers some cover for COVID-19 to help protect you from unforeseen expenses. The key benefits covered include:

• COVID-19 overseas medical costs
• Cover for COVID-19 amendments and cancellation costs
• Cover for COVID-19-related additional expenses

Cover-More's cover for pandemic-related expenses is limited, however, and there are some things that are excluded altogether, including:

• Government border closures, lockdowns or quarantine
• Mandated COVID-19 tests
• Close contact with a person diagnosed with COVID-19
• Cruise cabin confinement costs related to COVID-19

If you're worried about unexpected pandemic-related expenses ruining your travel plans, we've compared providers that offer some cover for COVID-19 here.

What policies does Cover-More offer?

Cover-More has 6 main plans available: International Basic, International Comprehensive, International Comprehensive+, Domestic Basic, Domestic Comprehensive and Domestic Comprehensive+.

All of the Comprehensive and Comprehensive+ plans are available as a Single Trip or Annual Multi-Trip policy. Non-Australian residents travelling to Australia also have the option of a Cover-More Inbound plan.

These are some of the main insured events a policy can cover you for:

This insurance is administered by Cover-More Insurance Services Pty Ltd and the issuer of insurance is Zurich Australian Insurance Limited (ZAIL).

The cooling-off period is 21 days which means if you change your mind and haven't made a claim, you can cancel the policy within this period and receive a full refund. If you're travelling internationally, you can choose your own excess. This is the amount you're required to pay when you make a claim, and generally, the higher your excess, the lower your premium will be.

Here's a breakdown of Cover-More Travel Insurance features

Standard features

Here are some of the features that Cover-More will cover you for if things don't go according to plan on your trip. Some of these inclusions are only available for certain levels of cover (e.g. a comprehensive plan versus a basic one).

• Accidental death
• Amendments or cancellation costs
• Delayed luggage allowance
• Disability
• Personal liability

• Loss of income
• Luggage and travel documents
• Overseas medical and dental expenses
• Rental vehicle insurance excess
• Resumption of journey

Optional add-ons

For more flexibility, Cover-More 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 Product Disclosure Statement (PDS) in full before purchasing.

• Cruise cover can cover you for claims relating to a cancelled cruise or incidents that occur while on a cruise.
• Increase your luggage item limits by paying an additional premium to protect any items that are valued above the policy limits.
• 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.
• Snow sports such as skiing, snowboarding and snowmobiling are excluded unless you purchase an add-on.
• Motorcycle/moped riding (as the driver or pillion passenger) can be added, provided you hold a valid licence and wear a helmet.

Exclusions

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 your claim arises due to a pre-existing medical condition (unless approved for cover)
• If you fail to take reasonable care of your property
• If you travel against medical advice or to seek medical treatment
• If your claim involves travelling in international waters in a private vessel
• 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

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

How to make a Cover-More Travel Insurance claim

The easiest way to make a claim is with Cover-More's online claim tool by following these steps:

• Head to https://claims.covermore.com.au/
• Enter your full name and policy number to log in
• Describe the incident and provide expenses
• Upload any necessary documents to support your claim
• Submit, and you should receive a response within 10 business days

Here's the bottom line about Cover-More Travel Insurance

With 6 main plans to choose from and the ability to choose your own cancellation and amendment cover, Cover-More Travel Insurance should hit the mark for many types of travellers. Unlimited overseas medical expenses and additional expenses are nice-to-haves that you don't see with every insurer.

Cover-More's cover for motorcycle riding, pregnant travellers and some serious medical conditions is limited, however, and may not suit depending on what you have planned. Make sure to review the policy documents before committing so you'll be covered when you need it.

If you're still up in the air about Cover-More, you can compare some other travel insurance insurers here.

Frequently asked questions

• When do I need to lodge a claim?

  Cover-More requires any claim to be lodged within 60 days of the policyholder's return home.

• Can I extend my trip?

  Yes, 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 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, but accompanying children must be either your children or grandchildren, under 21 years of age and not engaged in full-time work.

• Does Cover-More provide cover 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.