Cover-More Travel Insurance

Cover-More Travel Insurance: 10 Guide to Get the Best and Cheapest Insurance

The company provides specialized travel insurance services for Australia’s domestic travelers and services to all Australian travelers. The different coverage levels allow you to choose a policy that suits your budget and lifestyle. Policy options are available under the age of 84.

Dependents travel freely in the family. The company also offers 24-hour emergency services for people anywhere. Zurich’s Insurance Group headquartered in Sydney, Australia.

About Cover-More Travel Insurance

Cover-More travel insurance is a comparison service that offers information on travel insurance plans from multiple issuers.

Cover-More does not cover every product or service available, and professional advice should be sought before making any decisions.

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How does Cover-More work?


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Coverage is available for up to 18 months. Children can be covered with no limit.

Policyholders are able to take up to 6 weeks of holiday travel and remain protected.

Cover-More requires any claim be lodged within 60 days of the policyholders return home.

Claims are assessed by a Cover-More Travel Insurance claim officer. Cover-More aims to process all claims within 10 business days.

In the event that you want to extend your trip, you must purchase a new policy prior to the expiry of the original policy.

What are the benefits of using Cover-More?


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Cover-More offers a single-trip international policy and an international multi-trip insurance policy on their Comprehensive and Comprehensive+ policies.

The benefits of using Cover-More depend on which tier you think you’ll need, as well as any optional extras added onto the policy.

Coverage includes standard inclusions for unexpected events but may change depending on which tier is chosen or added onto the policy.

Cover-More offers a variety of insurance cover options for travelers :

  • The Comprehensive tier provides additional benefits, such as trip cancellation and special events coverage.
  • The Comprehensive tier offers even more protection, including rental car insurance excess and repair costs.

What are the cover-more travel insurance policies?


A cover-more policy is a type of travel insurance that covers the insured person for a greater range of circumstances than standard travel insurance policies. Cover-more policies were introduced to protect the insured person against the risk of injury, sickness, or loss of baggage and other things that are not covered by the standard travel insurance policy that the insured person is entitled to under the terms of their policy.

Cover-More offers domestic travel insurance and international travel insurance, including COVID-19 related claims.

The premium for each tier of cover increases, but the amount you are insured for and what you’re covered for will rise too.

Cover-More offers a few extras which you can add to your policy, if you need to tailor your insurance to cover the kinds of activities you’ll be participating in or the purpose of your trip.

Cover-More offers a variety of cover-more travel insurance policies that provide coverage for a variety of activities, including bungee jumping, mountain biking, mountaineering, rock climbing, skiing, and snowboarding.

Each policy has different limits and exclusions, so be sure to read the details carefully before purchasing.

Cancellation fees may apply if you need to cancel your trip for any reason; make sure to budget for this cost in advance.

If something goes wrong while you’re on your trip like an illness or injury, Cover-More will help cover costs related to emergency medical assistance and hospital expenses overseas.

Remember to pack a copy of your passport and other essential documents in case of a problem.

If you experience credit card fraud while traveling, be sure to contact your credit card company and file a claim for replacement cards.

Finally, be aware that Cover-More policies do not cover pre-existing conditions or activities that are not specifically mentioned in the policy wording. Check with Cover-More for a full list of covered activities.

What are the benefits of cover-more travel insurance policies?


Cover-more travel insurance policies are an affordable option for those who want to travel overseas or to any other country. Cover-more travel insurance policies can provide protection against unforeseen events, such as medical expenses, theft, baggage loss, and more.

Cover-More offers a variety of travel insurance policies, with different levels of coverage.

The amount you are insured for and the types of activities you’re allowed to participate in will increase as your premium increases.

Cover-More offers a few extras which can be added to your policy, such as winter sports cover and corporate business cover.

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Cover-more travel insurance policies provide benefits such as emergency hospital expenses and medical assistance in case of an overseas emergency.

These policies may also cover additional costs associated with your travel, such as luggage and personal effects, accommodation, and travel documents.

If you are injured or lose money due to a covered event, the policy will usually pay for your medical expenses and any loss of income you may experience.

Some coverage options also offer accident death and permanent disability benefits.

What is the price of cover-more travel insurance policies?


The price of cover-more travel insurance policies is as follows:

  • Single trip: $7
  • Annual: $15
  • Multi-trip: $10
  • Pre-approval: $5
  • Medical cover: $10
  • Pet cover: $5
  • Travel insurance for children: $5
  • Travel insurance for seniors: $5

Cover-More offers domestic travel insurance and international travel insurance. The price of cover-more travel insurance policies increases with each tier of coverage.

Cover-More offers a few extras which can be added to the policy, such as winter sports cover and corporate business cover.

The price of cover-more travel insurance policies varies depending on the type of policy and the specific features included.

The price also depends on whether or not you have a pre-existing condition, what activities are covered by the policy, and your credit score.

It is important to compare prices and find a policy that fits your needs before purchasing it.

Does Cover-More travel insurance have COVID-19 cover?

Cover-More does not have COVID-19 cover if you are travelling to a destination that has a Smar Traveller ‘Do Not Travel’ warning in place.

Some of the benefits associated with COVID-19 only apply to travelers in Australia and New Zealand, and may not apply to those on a multi-night cruise.

Always read the PDS (Policy Documents) to make sure you understand what circumstances are required for coverage before making a purchase.

Cover-More offers overseas medical coverage for emergency evacuations, quarantine, and other conditions caused by the coronavirus.

COVID-19 is a covered condition under the policy.

The policy applies to those traveling within the European Union, Switzerland, Norway, Iceland, and Liechtenstein as well as Australia if you have a close relative in one of these countries who is diagnosed with COVID-19.

What are the optional extras that can be added to the policy?


Optional extras include a number of other items that can be included in the policy, such as:

  • Addendum
  • Application
  • Enforcement of the policy
  • Enforcement of the order
  • Enforcement of the policy
  • Enforce the order
  • Enforce the policy

Snow Sports coverage includes coverage for competitions and off-piste skiing.

If you’re traveling on a cruise ship, you may need cruise travel insurance. COVID-19 is not covered if you’re on a multi-night cruise.

If you’re engaging in activities that are particularly risky, then it’s always best to double-check the policy before you go.

The optional extras for motorcycle and moped riding can cover you if the driver has a valid license, is wearing a helmet, and isn’t participating in professional capacity or racing.

If you plan on riding a motorcycle or moped on your trip, then purchasing extra cover may be necessary.

Cover-More offers business trip cover as an extra on their Comprehensive+ policy.

This covers you for costs associated with equipment replacement, up to $1,500.

Conditions and sub-limits must be met in order for this coverage to be approved.

What are the coverages under Cover-More’s travel insurance?


Cover-More’s travel insurance coverages include:

  • Emergency medical expenses
  • Cancellation
  • Trip interruption
  • Trip delay
  • Baggage delay
  • Tipping
  • Lost baggage
  • Delay
  • Travel delay
  • Emergency medical evacuation
  • Emergency medical expenses
  • Cancellation

Pre-existing conditions must be approved after completing a medical health assessment.

Some pre-existing conditions are automatically covered under Cover-More’s policies, but they may have additional criteria relating to your eligibility for cover.

To get your pre-existing condition covered, you can complete an online health assessment through Cover-More.

  • Cover-More offers travel insurance for a variety of needs, including medical evacuation and loss of baggage.
  • Cover-More also offers coverage for accidental death, injury, and illness while abroad.
  • Coverage is available for both domestic and international travel.

To find out more about the coverage offered by Cover-More’s travel insurance policy, visit their website or call toll free today

What exclusions are there to look out for in a Cover-More travel insurance policy?


There are a few exclusions to look out for in a cover-more travel insurance policy. The first one is that the policy does not cover the costs of medical treatment of the insured if the insured has been charged a fee for medical treatment. The second one is that the policy does not cover the costs of medical treatment of the insured if the insured is a resident of a state in which the policyholder is not licensed to provide insurance. The third one is that the policy does

Unless you have already had your pre-existing medical condition approved for coverage with Cover-More, they will not cover you for claims related to a pre-existing medical condition.

If the country you are traveling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smart Traveller website, then you will not be covered under Cover-More’s policies regarding any COVID-19 claims.

A brief list of general exclusions also includes claims relating to:

  • Deliberately putting yourself, or if any covered person puts themselves, in danger
  • Not taking reasonable care to protect your belongings in the case that they are stolen
  • The consumption of alcohol or drugs
  • Biological or chemical warfare
  • Any involvement in illegal acts

What to do if you get lost while on your trip


If you get lost while on your trip, the best thing to do is to keep calm and act quickly. If you get lost while on your trip, call Cover-More on their emergency assistance line.

Depending on where you’re calling from, the number will vary.

Make sure you have your policy number and a phone number which they can call you back on if need be.

Travel insurance helps protect the most important parts of your trip (from trip cancellations and lost baggage to 24-hour travel and emergency medical assistance).

How do I make a claim with Cover-More travel insurance?


You can make a claim with Cover-More travel insurance by clicking on the “Make a claim” button on the right-hand side of the page. You can also call us on 1300 761 761.

You may need to provide documentation to prove your case. This includes receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs (you may be required to pay a deductible or co-pay before the insurance coverage begins).

The policy will usually cover expenses such as medical bills, lost wages, and trip cancellation costs.

You can submit your claim online at To register a claim with Cover-More, you will need to have all the relevant documents scanned and uploaded to their claim’s portal.

If you need help submitting your claim, you can call them on Australia: 1300 72 88 22. Other countries: +61 2 8907 5000.

Cover-More will aim to contact you regarding the outcome of your claim within 10 working days

To make a claim with Cover-More travel insurance, you need to provide your policy number and the date of the incident. You may also be asked to submit medical documents or photographs of the injury.

If you’re unable to travel due to an illness or injury, you can still receive benefits by filing a Claim Assistance Request with the company.

  • 1) Contact Cover-More
  • 2) Provide evidence
  • 3) Pay deductible/co-pay
  • 4) Coverage begins after the deductible is paid

If you have questions about your claim, you can contact customer service via telephone or online chat. You will receive a response within 24 hours unless it is an emergency claim.

If you are not satisfied with the outcome of your claim, you can file a complaint with Cover-More’s independent dispute resolution (IDR) provider.

For more information regarding Cover-More travel insurance, please visit their website or call customer service at 1-866-609-6727.

This will help us investigate your claim and determine if any assistance is available.

How do Compare Cover-More Travel Insurance policies compare to other Australian insurance companies?


Compare Cover-More Travel Insurance is a unique new travel insurance company in Australia. It offers a range of travel insurance policies and cover, which are unique and different from other travel insurance policies.

Mozo’s free travel insurance comparison tool lets you compare Cover-More with other Australian insurance providers.

You can type in basic details like your destination, travel dates, number, and age of travelers, to get a list of insurance providers with their respective policies and pricing.

For more tips on traveling smart, be sure to check out our detailed guides on topics like pre-existing conditions, seniors’ travel insurance, and family travel insurance.

Compare cover-more travel insurance policies to find the best policy for you. Compare cover-more offers a variety of policies that cater to different needs and budgets. Compare cover-more policies online or in person at your local branch office.

Make sure you understand all the terms and conditions of your policy before you purchase it.

What are the customer reviews about Cover-More Travel Insurance?


Cover-More Travel Insurance has a 4.5-star rating on Trustpilot. They have a total of 6,858 reviews and the average is 4.5 stars.

The customer reviews about Cover-More Travel Insurance are positive.

There are some negative customer reviews, but they are relatively few in number.

The majority of the customer reviews are positive, indicating that people seem to be satisfied with the policies and services offered by Cover-More Travel Insurance.

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