Cover-More Travel Insurance

Cover-More Travel Insurance

Looking at Cover-More Travel Insurance for your upcoming international trip? Here’s a detailed look at questions you might have about Cover-More, its travel insurance plans, important inclusions as well as exclusions, so you can make a more informed decision.

About Cover-More Travel Insurance

With more than 25 years of experience, Cover-More Travel Insurance is an Australian company that provides travel insurance to Aussies travelling domestically as well as overseas. In Australia, New Zealand and the UK, Cover-More Travel Insurance is underwritten by the Munich Re Group, one of the largest insurance groups in the world.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

Cover-More Travel Insurance plans

From frequent flyers to budget holidaymakers, Cover-More Travel Insurance offers solutions for all kinds of travellers. Here’s a quick look at the features of the different Cover-More Travel Insurance plans that you can choose from:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essentials Single Trip

    • Per person

    • $10,000,000

    • $10,000,000

    • 250

    • Optional

    • Events
    • $3,000

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $3,000

    • $3,000

    • $1,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Essentials Annual Multi-trip

    • Per person

    • $10,000,000

    • $10,000,000

    • 250

    • Optional

    • Events
    • $3,000

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $3,000

    • $3,000

    • $1,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Travelsure Single Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Optional

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $3,000

    • $3,500

    • $20,000

    • $20,000

    • $6,000

    • $6,000

    • $6,000

    • $3,000

    • $1,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Travelsure Annual Multi-trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Optional

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $3,000

    • $3,500

    • $20,000

    • $20,000

    • $6,000

    • $6,000

    • $6,000

    • $3,000

    • $1,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Options Single Trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Optional

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $25,000

    • $9,000

    • $12,000

    • $12,000

    • $4,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Options Annual Multi-trip

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Optional

    • Events
    • $12,000

    • Unlimited

    • Unlimited

    • $3,000

    • $8,000

    • $25,000

    • $25,000

    • $9,000

    • $12,000

    • $12,000

    • $4,000

    • $2,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Frequently asked questions about Cover-More Travel Insurance

Q1. Can I get travel insurance with Cover-More if I have a pre-existing medical condition?

With Cover-More there are a number of pre-existing conditions that are covered at no extra cost provided you fulfil certain criteria say, you’re under a specified age and haven’t been hospitalised for that condition for a certain period. Some of these conditions include asthma, cataracts, diabetes, epilepsy and hypertension. In case your condition is not included under the list of conditions automatically covered, don’t worry, because you may still be able add it to your plan by paying an additional premium, subject to a short medical assessment.

Q2. What if I’m travelling while I’m pregnant?

Off for a babymoon? You can opt for overseas pregnancy travel insurance with Cover-More as long as you’re travelling during or before your 26th week of pregnancy. Pregnant travellers enjoy the same benefits available to other Cover-More Travel Insurance policyholders, including 24/7 emergency assistance and overseas medical expenses cover. But if you have experienced complications in your pregnancy, or if you conceived with medical assistance, you will need to answer additional questions in an online medical assessment to determine eligibility and cost for pregnancy cover.

Q3. Does Cover-More offer cruise cover?

Yes, you can include cruise cover to your travel insurance plan by paying an extra premium. All you need to do is click on the ‘Cruise’ option as you go through the quote process to add cruise travel insurance benefits to your policy.

Q4. What if I’m planning on trying adventure sports?

Cover-More Travel Insurance covers a long list of adventure sports at no extra cost. Some of the activities included are snorkelling, flying fox, kayaking and horseback riding. In case you’re planning to participate in other adrenaline pumping activities like motorcycle and moped riding, snow skiing or snowmobiling, which are not included in the policy document, you can pay an additional premium to include them in your plan.

Q5. Does Cover-More offer travel insurance for seniors?

People aged up to 84 years of age can apply for Cover-More Travel Insurance, however, limits may be applied to travellers over 70. Generally, policy availability is subject to age, duration of travel and your destination.

Q6. Is there a cooling off period when I can cancel my policy?

Yes, if you decide that you don’t want a travel insurance policy with Cover-More after buying the product, you can cancel it within 15 days of purchase. You will be eligible for a full refund during this period, provided you have not started your journey and you do not want to make a claim under your policy.


How to ensure a successful Cover-More Travel Insurance claim

Now that we’ve answered some of your top questions about Cover-More Travel Insurance policies and their key features, you should also read up on things you might need in case you need to file a claim. Here are some useful tips to ensure a successful claim with Cover-More:

Pre-existing medical conditions. This may seem obvious but it’s important to remember that if you incur any expenses during your trip due to a pre-existing medical condition that is not covered under your policy, you will not be paid for any claims arising from that condition. To make sure that does not happen to you, always be honest about any pre-existing conditions while applying for a Cover-More travel insurance policy so that you know exactly what you’re covered for.

Invoices and photographs. If you’re carrying expensive items with you on the trip, make sure you have invoices or photographs of your belongings so you can prove you had those items in case they are lost or stolen. Similarly, if you make any new purchases during your trip, save the receipt in case you need to register a claim later.

Police reports and medical bills. In case of a theft you must report it to the local police or other relevant authorities and collect a written report. If you face a medical emergency, save the hospital and medicine bills to attach with your claim application.

Prompt notification. You must let Cover-More know of your claim or any incident that could lead to a claim as soon as possible and within 60 days of the return date shown on your Certificate of Insurance. Do this by sending them a completed claims form, and even if you are waiting on supporting documentation, feel free to submit your claim earlier and forward the documents as soon as you have them.

Multiple claims. In case you have to register a claim for more than one incident, submit a separate claim for each event. The online claim form will take care of all existing claims for you.


Cover-More Travel Insurance customer reviews

Read how the Mozo community has rated Cover-More Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Cover-More Travel Insurance travel insurance

Overall 8.2*

Value for money

Trust

155 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Cover-More Travel Insurance travel insurance reviews Recent Cover-More Travel Insurance travel insurance reviews

Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   10 / 10

Australian call centre and free travel sim

Covermore has a great 24 hour emergency assistance line which directs you to an Australian call centre, this was very handy when trying to get medical assistance from another country. They have nurses able to give advice over the phone and they...

Full review

Covermore has a great 24 hour emergency assistance line which directs you to an Australian call centre, this was very handy when trying to get medical assistance from another country. They have nurses able to give advice over the phone and they also paid my claim within 48 hours of submitting. They cover more then any other insurance provider and also have a free travel sim with your policy

    Value for money   10 / 10

    Trust   10 / 10

Less

Chantelle (NSW), reviewed 5 months ago

Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   7 / 10

Recent Changes to Policy

I have always liked Covermore in the past but recent changes to their Plans and PDS now mean customers need to choose a premium based on how much they wish to be covered for on cancellation and amendment costs. This is hard for many people to do...

Full review

I have always liked Covermore in the past but recent changes to their Plans and PDS now mean customers need to choose a premium based on how much they wish to be covered for on cancellation and amendment costs. This is hard for many people to do if they have not finalised all their travel arrangements at time of taking out insurance policy. Eg I take out insurance at the same time I book my flights. I then book all other arrangements at a later date like hotels and car hire. There for I am not able to know what my total trip cost will be to be able to insure all of it! In the past they just covered up to a set amount.

    Value for money   8 / 10

    Trust   9 / 10

Less

Anj (QLD), reviewed 9 months ago

Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   7 / 10

Competitive prices

They have more coverage than a lot of other insurers and they will match prices of other insurance companies

Full review

They have more coverage than a lot of other insurers and they will match prices of other insurance companies

    Value for money   7 / 10

    Trust   7 / 10

Less

Lynette. (NSW), reviewed 10 months ago

Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   9 / 10

Competitive premiums and great customer service

We had an issue whilst overseas, and had to pay upfront. Once back at home, the claim was handled quickly and without any problems, - would definitely use them again. Customers should be aware that if any problems arise while overseas, you must...

Full review

We had an issue whilst overseas, and had to pay upfront. Once back at home, the claim was handled quickly and without any problems, - would definitely use them again. Customers should be aware that if any problems arise while overseas, you must pay/sort out the problem first. However, it will be handled promptly and efficiently once back in Australia.

    Value for money   8 / 10

    Trust   8 / 10

Less

Julie (VIC), reviewed 10 months ago

Cover-More Travel Insurance

Cover-More Travel Insurance travel insurance review

Overall rating   8 / 10

Great service, good price and reputable company.

Great service, good price and reputable company. I had some issues with a bag being lost and it was easy to contact them and discuss my options. in the end the bag was returned to me so I did not need to lodge a claim, but if I needed to, I knew...

Full review

Great service, good price and reputable company. I had some issues with a bag being lost and it was easy to contact them and discuss my options. in the end the bag was returned to me so I did not need to lodge a claim, but if I needed to, I knew what I had to do.

    Value for money   8 / 10

    Trust   8 / 10

Less

Tess (NSW), reviewed about 1 year ago

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Compare Cover-More Travel Insurance policies with other Australian Insurers

With such a wide range of travel insurance providers in the market we understand it can be confusing to make the final choice. That’s why, we’re here to help with Mozo’s free travel insurance comparison tool, which lets you compare Cover-More with other Australian insurance providers. All you need to do is type in some basic details like your destination, travel dates, number and age of travellers, you’ll instantly get a list of insurers with their respective policies and pricing to make the comparison easier.

Looking for more travel insurance tips? Check out our detailed guides on topics like pre-existing conditions, seniors travel insurance and family travel insurance. You can also head over to our travel section for more ideas on thrifty travel as well the best $20 series where real travellers share their money savvy secrets from across the world.

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