MyCover Travel Insurance

MyCover Travel Insurance

Looking for the ideal travel insurance policy to cover your next overseas trip? If MyCover Travel Insurance is one of the options you’re considering, then read on to know more about the company and its products. We’ve got all the information that’ll help you navigate the fine print so you can make the right choice for your holiday.

About MyCover Travel Insurance

MyCover is an insurance company that offers policies for holiday as well as business travellers. With MyCover, you can choose from a number of plans based on your travel itinerary, destination and budget. All MyCover Travel Insurance policies are Underwritten by Allianz.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

MyCover Travel Insurance plans

If you’re headed overseas, you can pick from three different MyCover Travel Insurance plans - Comprehensive International, Budget Cover or Frequent Traveller. Check out the table below for more information on the different options and their respective inclusions:

  • 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

    • Budget

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Frequent Traveller

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
  • 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

    • Budget

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
  • 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

    • Budget

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $15,000

    • $100,000

    • $100,000

    • $3,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • $3,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    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 MyCover Travel Insurance

Q1. How should I pick which region I’m travelling to?

MyCover rates regions in order of price starting from highest to lowest: Worldwide, Europe, Asia, Pacific. So say you’re travelling to the USA, Canada, Africa, Japan, China, Hong Kong, South America or the Middle East, you need to opt for ‘Worldwide’. It is important to note however, that when you purchase a policy for a specific region, you are automatically covered for the destinations that come at a lower cost. For instance, with a Worldwide policy you’re covered for anywhere else in the world or with a Europe policy you are also covered for Asia and the Pacific.


Q2. Are there any limitations for seniors travel insurance?

Travellers aged 71 years and over are not eligible to apply for the Budget or Annual Frequent Flyer plans. People between 71 and 80 years can opt for the Comprehensive policy, but there could be certain additional premiums applicable. But no cover is available under any of the MyCover plans for travellers aged 81 years or over.


Q3. Can I buy additional luggage and personal effects cover?

Yes, you can purchase extra cover for specified items (excluding jewellery) up to a total amount of $5,000 by paying an additional premium. You will however, also need to provide receipts and/or valuations. But do remember that if you’re opting for a budget plan, you won’t be eligible for any additional luggage cover.


Q4. What if I need to cancel my policy?

In case your travel plans are altered or you simply change your mind, you can cancel your MyCover travel insurance policy within 14 days after you’re issued your Certificate of Insurance. If you cancel the policy within this period, you will be given a full refund of the premium you paid, as long as you have not started your journey and you don’t plan to make a claim under the policy. But if you cancel your policy after this period, the insurer will not refund any part of your premium.


Q5. Will I get a partial refund on my insurance if I return home earlier than planned?

Nope, once you’ve started your journey you won’t get any refund for any part of the premium.

General exclusions to look out for in MyCover Travel Insurance

We can’t stress enough just how important it is to carefully read through all the terms and conditions of the Product Disclosure Statement (PDS) so that you are completely aware of the fine print and exactly what you’re covered for. Get started with this list of general exclusions that are applicable to all sections of your MyCover travel insurance policy. You will not be paid if:  

Tips to make a successful claim with MyCover Travel Insurance

Even after taking the time to pick the best travel insurance policy based on their holiday plans, many travellers get their claims rejected simply because they fail to pay attention to the exact requirements while filing a claim application. Here are some points you must remember to make a successful claim with MyCover Travel Insurance:    

How is MyCover Travel Insurance rated by the Mozo Community?

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

MyCover Travel Insurance travel insurance

Overall 8.1*

Value for money

Trust

9 Reviews

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

Recent MyCover Travel Insurance travel insurance reviews Recent MyCover Travel Insurance travel insurance reviews

MyCover Travel Insurance

MyCover Travel Insurance travel insurance review

Overall rating   10 / 10

Great price and peace of mind

My cover made it so simple. I was covered for the total amount of my holiday. And I was comforted to know that I had even though I didn't need to lodge a claim.

Full review

My cover made it so simple. I was covered for the total amount of my holiday. And I was comforted to know that I had even though I didn't need to lodge a claim.

    Value for money   10 / 10

    Trust   10 / 10

Less

Josephine (QLD), reviewed over 2 years ago

MyCover Travel Insurance

MyCover Travel Insurance travel insurance review

Overall rating   10 / 10

Customer service

I insured and felt safe in the knowledge I was covered.

Full review

I insured and felt safe in the knowledge I was covered.

    Value for money   10 / 10

    Trust   10 / 10

Less

Eleasaidh (WA), reviewed over 2 years ago

MyCover Travel Insurance

MyCover Travel Insurance travel insurance review

Overall rating   8 / 10

Pleasantly surprised

Easy to use online and very competitive.

Full review

Easy to use online and very competitive.

    Value for money   9 / 10

    Trust   8 / 10

Less

Kris (QLD), reviewed over 2 years ago

MyCover Travel Insurance

MyCover Travel Insurance travel insurance review

Overall rating   7 / 10

Cheap premiums and simple claim process

Our flight was delayed and we missed our connecting flights. Customer service was great and the process for making a claim was simple. Pros: Competitive price, Good customer service Cons: It took a while for the claim to be processed

Full review

Our flight was delayed and we missed our connecting flights. Customer service was great and the process for making a claim was simple. Pros: Competitive price, Good customer service Cons: It took a while for the claim to be processed

    Value for money   8 / 10

    Trust   7 / 10

Less

Kale (NSW), reviewed over 2 years ago

MyCover Travel Insurance

MyCover Travel Insurance travel insurance review

Overall rating   5 / 10

Glamorised but fake

I had to make a claim and even though I paid for full coverage, I wasn't given back the full amount that I paid for to visit the doctor. I did not find the company trustworthy and will not get insurance with them again.

Full review

I had to make a claim and even though I paid for full coverage, I wasn't given back the full amount that I paid for to visit the doctor. I did not find the company trustworthy and will not get insurance with them again.

    Value for money   4 / 10

    Trust   4 / 10

Less

Christiann (NSW), reviewed over 2 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare MyCover Travel Insurance policies with other Australian Insurers

Still wondering if MyCover is the perfect choice for your next international trip? Go ahead and compare all the options available in the market using Mozo’s free travel insurance comparison tool. It will take just a few minutes to compare MyCover with other Australian travel insurance providers - all you need to do is type in basic travel information like your destination, travel dates, number and age of travellers, and you’ll get a list of insurers, their policies and prices on offer.

Looking for more information on overseas travel insurance? Check out our detailed travel insurance guides on the things to keep in mind while travelling to destinations such as Europe, Vietnam, Bali and Singapore. For other money savvy travel secrets, check out our travel section and the best $20 series where real travellers share their thrifty tips from around the world.

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