Cover-More Travel Insurance Review
Cover-More Travel Insurance has built a reputation for quality and reliable travel protection, underscored by its strategic partnership with Zurich Australian Insurance Limited (ZAIL).
As part of Zurich Insurance Group—a leading global insurer with extensive reach across over 210 countries – Cover-More gains the advantage of Zurich’s solid financial foundation and comprehensive expertise. Serving Australian travelers, Cover-More provides an integrated experience by managing policy administration, customer service, and claims handling directly through a dedicated team.
Established in 1986 and deeply rooted in Australia, Cover-More has consistently prioritized traveler safety and support, with 24/7 emergency assistance centers spanning Australia, Argentina, the UK, and Canada.
| 🔎 Date Established | 1986 |
| 🏪 Headquartered | Sydney, New South Wales, Australia |
| 🛡️ Regulation and Compliance | Regulated by the Australian Securities and Investments Commission (ASIC); policies underwritten by Zurich Australian Insurance Limited |
| 🅰️ Type of Travel Insurance Plans Offered | Single Trip, Annual Multi-Trip, Domestic Travel, Inbound Travel |
| 🅱️ Key Cover Areas | Medical expenses, trip cancellation and interruption, luggage, and personal belongings, personal liability, emergency evacuation |
| 🚨 Emergency Assistance Services | 24/7 global emergency assistance |
| 🤒 COVID-19 Cover | Medical expenses, trip cancellation due to illness, limited additional expenses for quarantine |
| 💶 Maximum Cover Limits | Medical expenses up to unlimited, luggage and travel documents up to $25,000, personal liability up to $5 million |
| ⚽ Adventure and Sports Cover | Available as add-ons; skiing, scuba diving, high-altitude trekking through Adventure+, Snow Sports packages |
| 🖱️ Claims Submission Process | Claims submitted online through the Cover-More claims portal |
| ⏰ Average Claim Settlement Time | 10-15 business days |
| 🩷 Customer Support Availability | Customer service is available during business hours; 24/7 assistance is available for emergencies |
| 📲 Mobile App and Digital Services | Cover-More app offers policy management, 24/7 emergency assistance, real-time safety alerts, and travel information |
| ⭐ Customer Reviews and Ratings | Positive reviews on platforms; recognized for customer service and ease of claims process |
| 💛 Annual Premium Range | From $92 to $558 per month depending on cover type |
| ❌ Exclusions and Limitations | Pre-existing conditions not declared, high-risk countries, travel for medical treatment, government restrictions, certain adventure activities |
| 🎉 Discounts and Promotions | Velocity Frequent Flyer points |
| 📍 Policy Limits and Flexibility | Flexible excess options, options to add Adventure+ or Snow Sports cover, cancellation cover adjustable per trip |
| 🌎 Global Reach and Market Presence | Covers over 210 countries; primary markets include Australia and New Zealand |
Cover-More Plan Comparison and Overview
| 🔎 Plan Option | 📉 Features | 📈 Min and Max Premium | 📊 Cover Limits | ❌ Exclusions | ❤️ Ideal For | 🥰 Emergency Assistance | 📲 Mobile App Offered | 🎉 Discounts Available |
| 🥇 Single Trip | One-off trips; medical, luggage, cancellation options; COVID-19 cover | $92 - $233 | Medical unlimited, luggage up to $15,000, liability $5M | Pre-existing conditions, high-risk destinations | Occasional travellers | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🥈 Annual Multi-Trip | Unlimited trips per year; 30, 45, or 60-day max per trip; add-ons available | $113 - $558 | Medical unlimited, luggage up to $25,000, liability $5M | Pregnancy over 24 weeks, undeclared EMCs | Frequent travelers, business travelers | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🥉 Domestic Basic | A single trip within Australia; essentials cover; no medical cover | $92 - $134 | Additional expenses $10,000, luggage up to $5,000 | Medical cover in Australia | Local travellers | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🏅 Domestic Comprehensive | Expanded domestic cover; includes cancellation, luggage, limited COVID-19 | $108 - $135 | Additional expenses $10,000, liability $2.5M | Medical Events within Australia | Families, seniors traveling locally | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🎖️ Domestic Comprehensive+ | Highest domestic cover level; includes rental vehicle excess and more cover | $134 - $135 | Additional expenses $25,000, liability $5M | Overseas medical, and adventure activities | Road trips, comprehensive local cover | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🥇 International Basic | Essential overseas cover; medical and COVID-19 cover, limited luggage | $152 - $233 | Medical unlimited, luggage up to $5,000 | Pre-existing conditions, cruise cover | Budget-conscious international travelers | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🥈 International Comprehensive | Full international cover; luggage, cancellations, and adventure sports available | $181 - $460 | Medical unlimited, luggage up to $15,000 | EMCs requiring assessment, high-risk sports | International travelers seeking broad cover | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🥉 International Comprehensive+ | Highest international cover; rental vehicle, cruise, extensive COVID-19 options | $233 - $558 | Medical unlimited, luggage up to $25,000, liability $5M | Undeclared EMCs, high-risk travel areas | High-cover travelers, luxury travel | ✅Yes | ✅Yes | Velocity Frequent Flyer points |
| 🏅 Inbound Plan | Cover for non-Australian residents visiting Australia; medical, luggage, cancellation | Depends on selection | Medical unlimited, luggage up to $15,000 | Pre-existing conditions, overseas medical events | Visitors to Australia | ✅Yes | ✅Yes | None |
Travel Insurance Plans and Cover Options
Cover-More Travel Insurance offers Domestic, International, Inbound, and Annual Multi-Trip plans, each featuring different benefits.
Below, each category and its plans are outlined in detail, accompanied by comprehensive tables showing cover features, benefits, premiums, limits, and any exclusions.
Domestic Travel Plans
Cover-More has three distinct domestic plans to support travelers within Australia, including the Domestic Basic, Domestic Comprehensive, and Domestic Comprehensive+ options. These plans differ in the level of cover provided, catering to a range of budget and protection needs.
| 🔎 Feature | 🥇 Domestic Basic (Single Trip) | 🥈 Domestic Comprehensive (Single Trip or Annual Multi-Trip) | 🥉 Domestic Comprehensive+ (Single Trip or Annual Multi-Trip) |
| 😷 COVID-19 Cover | Limited cover | Limited cover | Limited cover |
| Additional Expenses | $10,000 | $10,000 | $25,000 |
| 😣 Return of Mortal Remains | Included in limit | Included in limit | Included in limit |
| 🐶 Pet Boarding | None | $300 | $300 |
| 💶 Travel Services Provider Insolvency | None | $5,000 | $10,000 |
| 💵 Amendment or Cancellation Costs | Selected cover amount | Selected cover amount | Selected cover amount |
| ✏️ Luggage and Travel Documents | None | $5,000 | $15,000 |
| ⏰ Delayed Luggage Allowance | None | $1,100 | $1,500 |
| 🚕 Rental Vehicle Insurance Excess | None | $5,000 | $10,000 |
| 🅰️ Personal Liability | $1,000,000 | $2,500,000 | $5,000,000 |
| 🅱️ Premium Estimate | From $92/month | From $108/month | From $134/month |
International Travel Plans
Cover-More offers three levels of international travel insurance: International Basic, International Comprehensive, and International Comprehensive+. Depending on the travel frequency, these plans are available as either Single Trip or Annual Multi-Trip policies.
| 🔎 Feature | 🥇 International Basic (Single Trip) | 🥈 International Comprehensive (Single Trip or Annual Multi-Trip) | 🥉 International Comprehensive+ (Single Trip or Annual Multi-Trip) |
| 🦷 Overseas Medical and Dental Expenses | Unlimited | Unlimited | Unlimited |
| 🤒 Emergency Dental | $2,000 | $2,000 | $2,000 |
| 💶 Additional Expenses | Unlimited | Unlimited | Unlimited |
| 📌 Return of Mortal Remains | $25,000 | $50,000 | $60,000 |
| 🐈⬛ Pet Boarding | None | $300 | $300 |
| 📍 Travel Services Provider Insolvency | None | $5,000 | $10,000 |
| ↪️ Luggage and Travel Documents | $5,000 | $15,000 | $25,000 |
| 📊 Delayed Luggage Allowance | $600 | $1,100 | $1,500 |
| 🚗 Rental Vehicle Insurance Excess | None | $5,000 | $10,000 |
| 🅰️ Personal Liability | $1,000,000 | $2,500,000 | $5,000,000 |
| 🅱️ Premium Estimate | From $152/month | From $181/month | From $233/month |
Inbound Plan
The Inbound Plan is for non-Australian residents visiting Australia and offers tailored protection during their stay. Here are a few key features:
| 🔎 Feature | 🥇 Inbound Plan |
| 🚨 Medical and Emergency Dental | Unlimited (with specific limits) |
| 💶 Additional Expenses | Unlimited |
| 📌 Return of Mortal Remains | $50,000 |
| 📍 Travel Services Provider Insolvency | $5,000 |
| 📑 Luggage and Travel Documents | $15,000 |
| ↪️ Delayed Luggage Allowance | $1,100 |
| 🚗 Rental Vehicle Insurance Excess | $5,000 |
| 🅰️ Personal Liability | $1,000,000 |
| 🅱️ Premium Estimate | Contact for quote |
Annual Multi-Trip (AMT) Plans
Cover-More’s Annual Multi-Trip policy continuously covers multiple trips within a year, with customizable trip durations. The AMT plan can be adjusted for domestic or international travel.
| 🔎 Feature | 🥇 Domestic AMT | 🥈 International AMT |
| ⏰ Maximum Trip Duration Options | 15 or 30 days per trip | 30, 45, or 60 days per trip |
| 📌 Personal Liability | $2,500,000 | $5,000,000 |
| 🌎 Overseas Medical (International) | Not applicable | Unlimited |
| 📍 Luggage and Travel Documents | $5,000 to $25,000 (varies by plan) | $15,000 to $25,000 (varies by plan) |
| 🚗 Rental Vehicle Insurance Excess | $5,000 | $5,000 to $10,000 |
| ↪️ Premium Estimate | From $113/month | From $460/month |
Key Features and Benefits of Cover-More Travel Insurance
Cover-More Travel Insurance includes features that meet the needs of Australian travelers. Each feature supports different unique travel scenarios, from cover for adventure sports to options for rental vehicle excess.
| 🔎 Feature | 📌 Description |
| ⚽ Adventure Sports Cover | Covers adventure sports, with options to add Adventure or Adventure+ cover for higher-risk activities |
| 🛳️ Cruise Cover | Medical and dental expenses onboard, cancellation cover, additional support for cruise-specific incidents |
| ❄️ Winter Snow Sports Cover | An add-on for ski and snowboarding enthusiasts |
| 🧳 Luggage and Travel Documents | Significant financial protection for lost, stolen, or damaged luggage and travel documents |
| ⚙️ Delayed Luggage | Reimbursement for essential items if luggage is delayed |
| 💶 Money Protection | Protects against theft of cash during travel |
| 🚗 Driving Holidays | Insurance for personal and rental vehicle excesses covers damage fees from accidents or theft of rental vehicles |
| ✈️ Travel Delay | Expenses incurred from unexpected travel delays, reimbursement for accommodation and meals |
| 🔖 Rental Vehicle Comprehensive Cover | Available on Comprehensive+ plans; protection for rental vehicle incidents |
Cover-More Travel and Health Cover Overview
Cover-More Travel Insurance supports health and medical needs encountered abroad, like emergency medical expenses, pre-arranged repatriation, and assistance with existing medical conditions. Here’s an overview of the key health benefits that travelers can expect.
Emergency Medical and Dental Cover
Cover-More covers medical expenses due to sudden illnesses or injuries during the trip like emergency dental treatment, capped at specific amounts, to address acute pain relief and urgent dental needs.
Hospital Incidentals
When travelers are hospitalized for at least 48 hours, Cover-More’s plans reimburse incidental expenses such as phone calls and reading materials.
- Comprehensive+ Plan: Up to $10,000
- Comprehensive and Inbound Plans: Up to $6,000
Accidental Death and Disability
If accidental injury results in total loss of sight or limb use, Cover-More offers a one-time payout to support affected travelers.
If a traveler passes away due to an accidental injury within one year of the incident, a benefit is provided to their estate up to $30,000 for Comprehensive+ and $25,000 for Comprehensive and Inbound plans.
COVID-19 Cover
Covers overseas medical costs if a traveler is diagnosed while abroad, amendment or cancellation costs if a trip needs to be postponed or altered due to a COVID-19 diagnosis, and additional expenses for quarantine or extended stays.
Existing Medical Conditions (EMCs)
Cover-More addresses pre-existing conditions through a structured assessment process, offering automatic inclusion for stable conditions like asthma and hypertension under specific criteria.
Pregnancy Cover
Expectant mothers can apply for travel cover up to the 24th week, covering unexpected early stages of complications.
Pricing, Premiums, and Value for Money
Cover-More Travel Insurance’s pricing structure matches cover and flexibility offered across Domestic, International, Inbound, and Annual Multi-Trip plans.
Monthly premiums vary depending on the cover level, destination, travel dates, and additional options the traveler selects. Below is a detailed breakdown of monthly starting premiums for each plan, as drawn from the document.
| 🔎 Plan Type | 📉 Starting Premium (Monthly Single Trip) | 📈 Starting Premium (Monthly Annual Multi-Trip) | 📊 Excess Options |
| 🥇 Domestic Basic | $92 | Not available | $50 |
| 🥈 Domestic Comprehensive | $108 | $113 | $50 |
| 🥉 Domestic Comprehensive+ | $134 | $135 | $50 |
| 🏅 International Basic | $152 | Not available | $250 |
| 🎖️ International Comprehensive | $181 | $460 | $0 $100 $250 |
| 🥇 International Comprehensive+ | $233 | $558 | $0 $100 $250 |
| 🥈 Inbound Plan (for non-residents) | Contact for quote | Not available | $0 $100 $250 |
| 🥉 Annual Multi-Trip (AMT) Options | N/A | Varies by plan (up to 60 days/trip) | $0 $100 $250 |
Cover-More Travel Insurance Discounts and Incentives
Cover-More Travel Insurance offers additional value to policyholders through partnerships like the Velocity Frequent Flyer program, which rewards travelers with points on eligible purchases.
This incentive program allows Cover-More customers to accumulate Velocity points, redeemable for future travel and other benefits.
Earning Velocity Points
Earn 3 Velocity points for every dollar spent on Single Trip and Annual Multi-Trip policies when purchased directly through Cover-More’s website or phone line, ensuring full enrollment in the incentive program. This offer applies to both policy types, allowing frequent travelers to maximize their points.
Redeeming Points
Velocity points accumulated through Cover-More purchases can be redeemed through the Velocity Frequent Flyer program for travel-related rewards, including flights, upgrades, and more.
This partnership enhances the value of Cover-More policies, offering customers practical benefits that extend beyond insurance cover, adding real value for future travel experiences.
How Do I Apply For Travel Insurance with Cover-More?
Applying for a Cover-More Travel Insurance policy is a straightforward process that lets you customize your cover based on your travel plans and needs. Here’s a step-by-step guide to help you through it:
- Indicate where you’re traveling to, your travel dates, and whether anyone is traveling with you.
- Choose between a Single Trip plan for one-time travel or an Annual Multi-Trip plan if you travel frequently within the year.
- If you’re planning on activities like skiing or adventure sports, Cover-More lets you add Snow Sports or Adventure Sports cover directly during the application.
- If you have a medical condition, you must complete an online health assessment.
- Before finalizing, go over the Product Disclosure Statement (PDS): to confirm that you’re clear on what’s included in your policy.
Complete the purchase online once you’re happy with your selections.
How Can I Claim For Travel Insurance with Cover-More?
The claims process with Cover-More lets travelers manage claims online, anytime. Here’s how to get started with the online claims tool, ensuring your claim is submitted accurately and efficiently.
Access Cover-More’s online claims tool, available 24/7. You can submit a claim anytime, so you don’t need to wait for business hours. Choose the claim type, such as medical expenses, lost luggage, or trip cancellations. Each claim type has its requirements, so select the correct one.
For medical claims, submit original medical receipts, discharge summaries, and any relevant medical reports. For lost or damaged items, include receipts, incident reports, and proof of ownership. For trip cancellations, provide documentation of your booking, cancellation reason, and any receipts for non-refundable costs.
Follow the form’s prompts to provide a full account of the incident. Attach the necessary documents as outlined for your claim type to ensure a thorough submission.
Once everything is uploaded, submit the claim through the online portal. Cover-More processes claims as promptly as possible and provide updates on the status so you can stay informed about your claim’s progress.
Can I add more than one person to my Cover-More Travel Insurance Policy?
With Cover-More Travel Insurance, you can add family members to a single policy, making managing travel cover for your loved ones easier. Specific eligibility rules apply based on age, dependency status, and travel arrangements, particularly for policies that include children and multi-travel options. Here’s a detailed look at the rules and process:
Cover-More
Cover-More allows up to two adults and four dependent children on a single Annual Multi-Trip policy.
Adult Travellers
- Two adults can be added to the policy, such as spouses or partners, who are covered to travel independently.
- A separate policy is required if additional adults need to be covered, as only two adults can be included per policy.
Dependent Children
- Dependent children added to a Cover-More policy must be under 21 years of age.
- They must be financially dependent on the adult policyholder, meaning they rely on the policyholder for financial support.
- Children listed on the policy cannot be in full-time employment.
- All dependent children must travel with at least one of the adults on the policy. They are not covered if they travel independently.
Steps to Add Family Members Post-Purchase
- During the Cooling-Off Period: If you’ve already purchased a Cover-More policy but wish to add family members, contact Cover-More’s customer service.
- Premium Adjustments: Adding additional travelers may increase the premium, and Cover-More will adjust the cost based on the updated cover needs.
Cover-More Travel Insurance Upgrades and Downgrades
Cover-More offers policyholders the flexibility to upgrade their cover before their trip starts, accommodating changes in travel plans and activities.
While Cover-More allows different upgrades, including additional cover for high-risk activities and extended cancellation options, downgrades are not permitted on existing policies once issued.
Travelers can upgrade their policy with the following specific add-ons:
- Adventure+ adds cover for specific sports and adventure-based travel.
- If your travel plans include skiing, snowboarding, or other winter sports, Snow Sports Cover is available as an add-on.
- Travelers can increase their cancellation cover benefit for costly trips where unexpected cancellations could result in significant non-refundable expenses.
If your plans extend beyond the original trip duration covered by the policy, Cover-More allows adjustments to cover longer travel periods with associated premium adjustments.
Cover-More Digital Tools and Apps
Cover-More provides digital tools that offer travelers essential information, real-time alerts, and practical resources to manage travel-related needs.
These tools, including the Cover-More app, integrate important safety features, travel updates, and direct links to Australian government resources for a fully connected travel experience.
Key Features of the Cover-More App
- Access to Cover-More’s emergency assistance team anytime, along with local emergency numbers, telehealth services, and directions to nearby hospitals and pharmacies.
- Receive alerts on nearby risks like crime, natural disasters, or other potential travel disruptions.
- Access country-specific safety information via Smarttraveller like travel advisories and emergency contacts for Australians abroad.
- Keep a digital copy of your policy, view and manage details anytime, and submit claims directly through the app.
Locate nearby medical facilities or pharmacies when required, ensuring you have access to essential services in case of health emergencies.
Cover-More Travel Insurance Additional Services and Benefits
Cover-More has a few additional services for different scenarios beyond the standard cover. Here’s a breakdown of these services:
- Protects against costly rental vehicle excess charges in case of damage or theft. Available for campervans, motorhomes, cars, and mini-buses rented from licensed agencies.
- Seniors Travel Cover for travelers up to 99 years of age. Includes cover for certain pre-existing conditions following an online assessment.
- Adventure and Adventure+ Packs cover moderate-risk activities like guided mountain biking, snorkeling, and organized water sports.
Covers medical and emergency dental expenses for onboard Cruise incidents. Includes compensation for cabin confinement if required due to illness.
How to Switch to Cover-More Travel Insurance
Switching to Cover-More Travel Insurance from another provider requires careful coordination to ensure uninterrupted coverage. Here are the steps to transition smoothly:
- Review the terms and end date of your current travel insurance.
- This helps identify gaps in cover and ensures you understand your current benefits before switching.
- Coordinate the start date with the end date of your current insurance to maintain continuous coverage.
- Cover- More requires a reassessment of any pre-existing conditions.
- Complete the online health assessment during the quote process to declare conditions, as eligibility and premium rates may be adjusted based on health disclosures.
- Cover-More offers a 21-day cooling-off period where you can cancel your new policy for a full refund if you haven’t started your trip or submitted any claims.
Before finalizing your Cover-More policy, read the PDS to understand the policy’s terms, cover limitations, and exclusions.
Exclusions and Limitations of Cover-More Travel Insurance
Cover-More Travel Insurance policies include exclusions and limitations that affect claim eligibility under certain conditions.
Understanding these exclusions helps travelers make informed decisions about their coverage. Below is a comprehensive list of major exclusions, each with specific conditions.
| 🔎 Exclusion Category | 📌 Details and Limitations |
| 📊 Government and Safety Advisories | Incidents in areas labeled as “Do not travel” by Smartraveller or government advisories, including losses related to civil unrest, war zones, or terrorist activities |
| 📉 Illegal Activities | Claims from illegal activities like involvement in unlawful acts or drug use |
| 📈 Undiagnosed Symptoms | Conditions where symptoms were present before departure but undiagnosed |
| 💹 High-Risk Activities without Cover | Incidents related to extreme sports or high-risk activities like skydiving, mountaineering, or adventure sports, unless explicitly added through an Adventure or Adventure+ Pack |
| 💱 War, Nuclear, and Chemical Exposure | Injuries or claims resulting from war, military actions, nuclear reactions, or exposure to chemical hazards, including fallout from related events |
| 📉 Negligence and Reckless Behaviour | Losses resulting from recklessness or failure to take reasonable precautions (e.g., leaving valuables unattended) |
| 📈 Pregnancy Complications | Pregnancy complications after the 24th week, childbirth, and care for newborns |
| 📊 Pre-Existing Medical Conditions | Severe pre-existing conditions without an assessment and approval |
| 💹 Alcohol and Drug Influence | Incidents where the traveller was under the influence of drugs or alcohol at the time of the incident |
| 💱 Epidemics and Pandemics | Claims linked to travel disruptions due to pandemics, unless specified COVID-19 benefits are in place |
| 📉 Financial Insolvency | Losses resulting from the financial insolvency of a travel service provider or any third-party business |
| 📈 Government-Imposed Travel Restrictions | Claims related to border closures, travel restrictions, or lockdowns imposed by governments |
How Do I Contact Cover-More Travel Insurance Customer Support?
Cover-More Travel Insurance supports general inquiries, policy adjustments, and emergency assistance. Here are the specific contact methods available:
| 🔎 Contact Type | 📌 Details |
| 📉 General Inquiries | For questions about policies or obtaining a quote, call 1300 72 88 22 (within Australia) during business hours |
| 📈 Claims Support | To inquire about existing claims or submit a new one, contact 1300 36 26 44 (Australia) Monday to Friday, 8:30 am – 5:30 pm (AEST) |
| 📊 24/7 Emergency Assistance | For urgent help during travel, reach the emergency line at +61 2 8907 5619 from anywhere in the world |
| 💹 Policy Adjustments | If you need to make changes to your policy, call 1300 72 88 22 (Australia) during business hours or use the online portal for certain updates |
| 💱 Online Contact Form | For non-urgent inquiries, visit the Cover-More website and use the online form under the ‘Contact Us’ section, with responses provided within 1-2 business days |
Customer Reviews and Satisfaction
🥇 Positive Experience in Japan with Comprehensive Plus Plan
I used Cover-More’s Comprehensive Plus plan in Japan. I needed emergency care and physical rehabilitation following a leg injury. The claim was difficult to submit, but after all the papers were submitted, it was completed within a week, and I was reimbursed quickly. This experience gives me confidence in using Cover-More for foreign travel.
🥈 Helpful Assistance During Luggage Delay in Europe
While in Europe, my luggage was delayed 2 days. The delay was covered under Cover-More’s policy. The online claim was easy, and I was compensated quickly. This assistance was crucial during a difficult moment.
🥉 Quick and Efficient Coverage for Ski Injury in New Zealand
A minor injury occurred while skiing in New Zealand. Cover-More’s snow sports policy covered medical expenses quickly. Their claims procedure was quick, and customer service was helpful.
How Do I Submit Feedback or Complaints?
You can submit feedback or complaints using these channels:
- Contact 1300 72 88 22 (within Australia) for immediate feedback or complaints to speak directly with a representative.
- Send detailed complaints or feedback to [email protected], including your policy number and any relevant documentation.
- Written complaints can also be sent to Cover-More Complaints, PO Box 1234, North Sydney, NSW 2060, Australia.
If your complaint isn’t resolved to your satisfaction, you can escalate it to Cover-More’s Internal Dispute Resolution (IDR) team. Once escalated, the IDR team will review the case independently and aim to provide a resolution within 15 business days.
Cover-More will guide you on accessing external review bodies if you need additional assistance, ensuring that every complaint is managed with the appropriate support.
Cover-More Travel Insurance Awards and Recognition
Cover-More Travel Insurance has been recognized in the travel insurance industry for its services and support. Here are some of the key awards that demonstrate Cover-More’s standing:
- ITIJ Award for Travel Insurance Product Innovation of the Year: Awarded to the Cover-More App, this award from the International Travel & Health Insurance Journal highlights Cover-More’s advancements in delivering real-time travel assistance through technology and meeting evolving traveler needs.
- ITIJ Award for Assistance Company of the Year: This award acknowledges Cover-More’s resilience and innovation through its World Travel Protection division, which adapted to new challenges in travel safety, demonstrating excellence in global assistance services.
- Mozo Experts’ Choice Award – Exceptional Quality (Premium Single Trip): This recognition affirms the high quality of Cover-More’s comprehensive plans to provide robust, tailored protection for international travelers.
- Reader’s Digest Quality Service Award for Best Travel Insurance: Voted by Australian consumers, this award reflects Cover-More’s dedication to customer service and reliability in the travel insurance industry.
and many more!
Who Should Consider Cover-More Travel Insurance?
Frequent Travellers
Cover-More’s Annual Multi-Trip policy is ideal for multiple trips during the year. There are options for domestic and international cover and frequent travelers can benefit from continuous protection without purchasing a new policy for each trip.
Senior Travellers
With eligibility extending to travelers up to age 99, Cover-More’s policies are suited for seniors seeking comprehensive travel protection. Policies include age-appropriate options, medical support, and assistance services tailored to older travelers’ needs.
Families
Cover-More’s family policies allow for multiple members under one plan, making it a practical choice for families traveling together. Children and dependents can be added, ensuring comprehensive support and emergency assistance for all family members.
Adventure Seekers
Those engaging in high-risk activities like snow sports or scuba diving can choose add-ons such as Adventure+ and Snow Sports Cover. These specialized options cover adventure activities, making Cover-More a solid choice for thrill-seekers.
Business Travellers
Business travelers benefit from options like cover for business equipment and rental vehicle excess. This benefit makes Cover-More suitable in terms of cover for work-related travel, with added convenience for managing work essentials while traveling.
Cover-More Travel Insurance vs Tick Travel Insurance vs Nib Travel Insurance – A Comparison
| 🔎 Provider | 🥇 Cover-More Travel Insurance | 🥈 Tick Travel Insurance | 🥉 Nib Travel Insurance |
| 📉 Plan Name | Single Trip, Annual Multi-Trip, Domestic, Inbound | Single Trip, Domestic, International | Essentials, Comprehensive, Annual Multi-Trip |
| 📈 Premium Range | $92–$558 per month | From $72.49 per month for domestic, $62.51 per month for international | From $67/month for Essentials, $135/month for Comprehensive |
| 📊 Cover Limits | Medical: unlimited; Luggage: $25,000; Liability: $5 million | Unlimited medical expenses, up to $20,000 for cancellation, $3 million for personal liability | Unlimited medical expenses, up to AUD 12,000 for personal effects, AUD 5,000 for rental excess |
| 💹 Key Cover Areas | Medical, trip cancellation, luggage, liability, evacuation | Medical expenses, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation | Medical, cancellations, travel delays, personal liability, rental vehicle excess |
| ❌ Exclusions | Pre-existing conditions, high-risk countries, medical travel | Pre-existing conditions travel against medical advice, high-risk destinations, unlawful acts, the influence of alcohol or drugs | Pre-existing conditions without approval, elective treatments, high-risk activities without cover |
| 🤒 COVID-19 Cover | Medical, cancellation, and quarantine expenses | Medical expenses, trip cancellation, and quarantine costs related to COVID-19 under Standard and Top policies | Medical expenses and some trip changes for COVID-19 |
| 💛 Ideal For | Frequent, domestic, and inbound travelers | Domestic and international travelers, family plans, adventure add-ons | Budget-conscious travelers needing essential, flexible cover |
| 🏈 Adventure Sports Cover | Add-ons: skiing, scuba, trekking | 90+ sports and activities, winter sports cover available as an upgrade | Optional add-on available |
| 🚨 Emergency Assistance | 24/7 global support | 24/7 emergency assistance | 24/7 emergency support |
| 📲 Digital Access and Mobile App | App with policy management, alerts, assistance | No app for travel insurance; an online portal for policy management, claims, etc. | Online access, no dedicated app |
| ⭐ Special Features | Velocity points, flexible excess, global reach | Affordable plans, child dependents <18 travel for free, flexible plan options | Covers dependent children automatically, flexible cancellation cover |
| ⏰ Average Claim Settlement Time | 10–15 business days | 10-15 working days | Generally, within 10 business days |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Adventure sports and high-risk activity packs are available as add-ons | Medical cover for cruise trips is excluded unless added as a Cruise Cover option |
| Flexible policy options for both single-trip and annual multi-trip cover | Cover for travelers over 70 requires additional health assessments |
| 24/7 global emergency assistance available to all policyholders | Limited cover for some pre-existing medical conditions unless declared |
| Cover for rental vehicle excess in case of accidents, theft, or damage | Cover for high-risk adventure activities requires an add-on and is not automatically included |
| Pregnancy cover includes specific provisions up to 24 weeks | Some app features require a compatible network, and roaming charges apply for international travelers |
| Real-time travel alerts and safety information are available through the Cover-More App | Policies cannot be downgraded once purchased; upgrades are allowed but must be arranged before travel begins |
| High age limit for eligibility, covering travelers up to 99 years | Claims related to border closures or government-imposed travel restrictions are not covered |
| Support for managing pre-existing medical conditions through online health assessment | No cover for childbirth or newborn care |
In Conclusion
Cover-More Travel Insurance offers flexible, global coverage, backed by Zurich for stability and credibility. It includes 24/7 emergency assistance, bonus packs for adventure and snow sports, and senior traveler support. The app provides real-time alerts and policy management, with Velocity points for policyholders.
However, the plan structure can be complex, with exclusions, conditions, and limits on medical cover. Claims may require extensive documentation and take longer than other insurers. It’s important to review the Product Disclosure Statement (PDS) for specific limitations.
Overall, Cover-More offers strong support and diverse benefits, but travelers should ensure the policy aligns with their needs.
You might also like:
- ahm Travel Insurance
- Allianz Care Travel Insurance
- Australia Post Travel Insurance
- Budget Direct Travel Insurance
- Bupa Travel Insurance
Frequently Asked Questions
How does Cover-More manage medical expenses overseas?
If you suffer medical expenses while traveling, contact Cover-More’s emergency support service immediately. They can help you through the procedure and arrange for direct payment to medical providers.
How can I purchase a Cover-More Travel Insurance policy?
You can purchase a policy online via the Cover-More website or by phoning their customer service department.
Does Cover-More Travel Insurance cover trip cancellations?
Yes, Cover-More has trip cancellation cover that protects you against unforeseen circumstances that force you to postpone or cancel your trip.
How does Cover-More handle claims involving travel delays?
Travel delays cover starts after a waiting period has been served and covers additional expenses incurred because of the delay. When claiming for this, you must present all receipts and other required documents to support your claim.
