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Are you looking at choosing Cover-More for your travel insurance? We’ve combed the fine print to answer your questions about Cover-More's travel insurance policies so you can make a more informed decision.

About Cover-More

Cover-More has been in the travel insurance game for over 35 years, covering more than 15 million customers in that time. They’re underwritten by Zurich Australian Insurance Limited after joining forces with them in 2017.

Cover information and limits in the table below verified as correct at 17 April 2024. Other information correct at the time of writing.

Cover-More travel insurance policies

Currently, Cover-More offers domestic travel insurance and international travel insurance, including some cover for COVID-19 related claims, on their Basic, Comprehensive, and Comprehensive+ policies. With each tier of cover, your premium increases, but what you’re covered for and the amount you are insured for will rise too. 

They offer 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. These include, but are not limited to, winter sports cover and corporate business cover. 

Check out the data table below to see an overview of the kinds of plans Cover-More offers.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • 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 illness

  • 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

    • International Basic

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $0 to unlimited

    • $5,000

    • Unlimited

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • International Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $0 to unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $30,000

    • $15,000

    • $250

    • $15,000

    • $5,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • International Comprehensive+

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $0 to unlimited

    • $25,000

    • Unlimited

    • Unlimited

    • $6,000

    • $10,000

    • $30,000

    • $30,000

    • $45,000

    • $15,000

    • $250

    • $15,000

    • $5,000

    • $6,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Multi-Trip International Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $0 to unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $6,000

    • $25,000

    • $25,000

    • $30,000

    • $15,000

    • $250

    • $15,000

    • $5,000

    • $5,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Multi-Trip International Comprehensive+

    • Per person

    • Unlimited

    • Unlimited

    • 250

    • Events
    • Choose $0 to unlimited

    • $25,000

    • Unlimited

    • Unlimited

    • $6,000

    • $10,000

    • $30,000

    • $30,000

    • $45,000

    • $15,000

    • $500

    • $15,000

    • $5,000

    • $6,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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).


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

Cover-More does cover some COVID-19-related claims, but limits and exclusions will apply depending on your trip and needs. Always read the PDS to make sure you understand what circumstances are required to receive your cover level’s benefits. 

What optional extras can I add to my Cover-More policy?

There are a few optional extras you can add to your Cover-More travel insurance policy if you need to tailor your package to the kind of holiday or trip you’re going on. These include snow sports, cruise, adventure activities, motorcycle and moped riding, and business trip coverage options.

These add-ons will increase the premium you pay, but without them, you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions. 

Are pre-existing medical conditions covered under Cover-More’s travel insurance?

Cover-More provides cover for travelling with pre-existing conditions, however, they must be approved after completing a medical health assessment. 

If your pre-existing condition isn’t listed among the automatically covered ones, then you may still be able to apply to cover them. This includes automatically included conditions for which you do not meet the eligibility requirements. To get your pre-existing condition covered, you can complete an online health assessment through Cover-More.

What do I do if there’s an emergency during my trip? 

If there’s an emergency during your overseas trip, call Cover-More on their emergency assistance line. Depending on where you’re calling from, the number will vary. See below for the numbers you can call, toll-free. 

The emergency assistance line is available 24/7 if you need it. Cover-More’s team will be able to help you out with things like finding medical facilities and emergency hospital expenses, among other things. When you call, make sure you have your policy number and a phone number that they can call you back on if need be.

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

You can submit your claim online at claims.covermore.com.au. To register a claim with Cover-More, you will need to have all the relevant documentation to support your claims, like receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs.

Follow the prompts and complete the checklist, then upload your scanned documents to their claims portal. 

You can also post your supporting documents to Cover-More if need be. Make sure to make copies of the originals though, in case they get lost along the way. Cover-More’s postal address is:

Cover-More Travel Insurance

Claims Department 

Private Bag 913

North Sydney NSW 2059

Australia

If you need help submitting your claim, you can call them on:

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

Is it possible to cancel my Cover-More travel insurance policy?

You can cancel your policy and receive a full refund within 21 days of purchasing it, provided you haven’t started your journey or intend to make a claim. After 21 days, if you still feel like cancelling your policy, you can get a partial refund of the premium you’ve paid, depending on the unexpired period of your coverage. 

If you would like to cancel, contact Cover-More at 1300 72 88 22, or via email at  enquiries@covermore.com.au.

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
7.8

Overall 7.8

7.6

Value for money

5.9

Policy coverage

5.5

Customer service

5.4

Claims handling

8.0

Trust

196 Reviews

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

Cover-More Travel Insurance logo

Cover-More Travel Insurance Travel Insurance review

Overall rating   1 / 10

Abysmal, dishonest, fraudulent.

I have insured twice with Covermore, claiming each time. Covermore rejected both claims, in the first claim, Covermore requested my medical records from my GP and deliberately misinterpreted it, citing incorrect dates, times and diagnoses. I...

Full review

I have insured twice with Covermore, claiming each time. Covermore rejected both claims, in the first claim, Covermore requested my medical records from my GP and deliberately misinterpreted it, citing incorrect dates, times and diagnoses. I appealed their decision and won. My second claim was also rejected, Covermore failed to address part of my claim. i submitted an appeal to their decision, however, Covermore refused any to acknowledge my appeal forcing me to seek assistance from the AFCA ombudsman. AfterAFCA intervened Covermore accepted my claim them attempted to silence me by asking me to sign a Deed of Release acknowledging that I would not seek assistance from the AFCA again and keep the claim confidential. I refused.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Tony, South Australia, reviewed 13 days ago

Cover-More Travel Insurance logo

Cover-More Travel Insurance Travel Insurance review

Overall rating   1 / 10

they don't payout claims

they try to get out of claims, delay every single time 3 claims over 20 years of premiums every time they created obstacles and denied claims over nothing. At the stage where I am wondering if I should travel without insurance its almost a...

Full review

they try to get out of claims, delay every single time 3 claims over 20 years of premiums every time they created obstacles and denied claims over nothing. At the stage where I am wondering if I should travel without insurance its almost a total waste of Money paying out premiums to 'covermore'

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Jeremy, Queensland, reviewed 12 months ago

Cover-More Travel Insurance logo

Cover-More Travel Insurance Travel Insurance review

Overall rating   1 / 10

Covermore Insurance is a joke

We travelled to Japan and had Covermore Travel insurance, we took out the Premium plus cover and we had to make a claim for loss of income with an injury, Covermore insurance is an absolute joke to deal with, they find there way around any claim...

Full review

We travelled to Japan and had Covermore Travel insurance, we took out the Premium plus cover and we had to make a claim for loss of income with an injury, Covermore insurance is an absolute joke to deal with, they find there way around any claim and quickly decide to start misunderstanding the conversation so you have to go over and over and over, I would not reccommend Covermore insurance to anyone who thinks they would actually get the cover they are paying for. A total Joke

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Paul, New South Wales, reviewed 12 months ago

Cover-More Travel Insurance logo

Cover-More Travel Insurance Travel Insurance review

Overall rating   6 / 10

Cover-More Review: Decent Coverage, Slow Claims.

Pros: One of the things I appreciated about Cover-More travel insurance was the variety of coverage options they offered. As a young traveler, I wasn't sure what I needed to be covered for, but Cover-More's website made it easy to select the...

Full review

Pros: One of the things I appreciated about Cover-More travel insurance was the variety of coverage options they offered. As a young traveler, I wasn't sure what I needed to be covered for, but Cover-More's website made it easy to select the policy that best fit my needs. I was able to choose a policy that covered medical expenses, trip cancellations, lost luggage, and other unexpected events. This gave me peace of mind knowing that I was protected in case anything went wrong. Another positive aspect of Cover-More was the purchasing process. I was able to buy my policy online, which was quick and easy. I received my policy documents via email within minutes, which was especially helpful as a busy student preparing for a trip. The website was also informative and easy to navigate, which made it easy to understand my coverage options. Finally, I appreciated the added benefits that came with my policy. The 24/7 helpline was especially reassuring, as I knew that I could get help in case of an emergency. I also liked the emergency assistance option, which gave me peace of mind knowing that I would be taken care of if something went wrong. Cons: Unfortunately, my experience with Cover-More travel insurance wasn't entirely positive. Firstly, I found their customer service to be lacking. When I had a question about my policy, it was difficult to get in touch with someone. I had to wait on hold for a while before I was able to speak to someone, which was frustrating. Secondly, I had a disappointing experience with the claims process. I had to make a claim for lost luggage, and the process was slow and confusing. It felt like they didn't believe me, and it took several weeks for my claim to be processed. This was a stressful experience, and it left me feeling like I wasn't being taken seriously. Overall, I'd rate my experience with Cover-More travel insurance a 6 out of 10. While the policy options and purchasing process were good, the poor customer service and slow claims process left a bad taste in my mouth. If I were to travel again, I'd likely consider other insurance providers first. In conclusion, Cover-More travel insurance is a decent option for travelers looking for coverage. However, there are areas for improvement, particularly when it comes to customer service and the claims process. As an 18-year-old traveler to Bali, I learned that it's important to do your research and choose an insurance provider that best fits your needs. While Cover-More wasn't perfect, it did provide me with some peace of mind knowing that I was covered in case anything unexpected happened.

    Value for money   6 / 10

    Policy coverage   7 / 10

    Customer service   5 / 10

    Claims handling   7 / 10

    Trust   6 / 10

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Arwen, Western Australia, reviewed 12 months ago

Cover-More Travel Insurance logo

Cover-More Travel Insurance Travel Insurance review

Overall rating   6 / 10

Decent but Not Seamless: Cover-More Review

If you're looking for travel insurance in Australia, you may have come across Cover-More. I recently used their services and wanted to share my experience. Overall, I'd rate Cover-More travel insurance a 6 out of 10. While they did ultimately...

Full review

If you're looking for travel insurance in Australia, you may have come across Cover-More. I recently used their services and wanted to share my experience. Overall, I'd rate Cover-More travel insurance a 6 out of 10. While they did ultimately pay out my claim, the process left me feeling a bit like a fraudster. It seemed like they didn't believe me, which made me uncomfortable. That being said, I appreciate that they did honor my claim in the end. One thing I appreciated about Cover-More was their informative website. It was easy to navigate and understand what was and wasn't covered under my policy. They also offer a variety of options to customize your coverage, which is nice. However, I did have some issues with their customer service. I found it difficult to get in touch with them and when I did, it took a while to get a response. This left me feeling frustrated and unsure about the status of my claim. In terms of value for money, I think Cover-More is average. Their prices were competitive, but not necessarily the cheapest option out there. Overall, I'd say that Cover-More is a decent option for travel insurance in Australia. While I had some issues with their customer service, their website was informative and they did ultimately pay out my claim. However, if you're looking for a more seamless experience, you may want to consider other options.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   6 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Danielle, Western Australia, reviewed 12 months ago

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Compare Cover-More Travel Insurance policies with other Australian insurance companies

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 insurance providers 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.