| Overseas medical and hospital expenses | true |
|---|---|
| Cancellation and amendment fees | Cover chosen |
| Luggage and personal effects | Yes |
| Maximum age limit | 99 |
Table updated June 2024
Cover-More offers some cover for COVID-19 to help protect you from unforeseen expenses. The key benefits covered include:
Cover-More's cover for pandemic-related expenses is limited, however, and there are some things that are excluded altogether, including:
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.
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:
International Basic
International Comprehensive
International Comprehensive+
Annual Multi-Trip
Domestic Basic
Domestic Comprehensive
Domestic Comprehensive+
Inbound
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 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).
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.
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:
Read the Cover-More Travel Insurance PDS for a more detailed list of exclusions and restrictions.
The easiest way to make a claim is with Cover-More's online claim tool by following these steps:
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.
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