Travel insurance that's always by your side

    Where are you going?helptext icon

    If you've already left home and are on your trip, this cover is subject to a 3-day no-cover period.

    Current age of all travellers?helptext icon
    Australian citizens with a valid Australian Medicare card, or currently living in Australia with a visa allowing them to live, work or study in Australia?

    Important Information

    We are currently experiencing significant wait times through our customer services teams, resulting in longer than desired call queues, hold times and email response delays. We sincerely apologise for the inconvenience and want to provide an update and recommend alternative methods to address your queries.

    Searching for COVID-19 cover?

    To help you explore the world with confidence, our travel insurance provides:

    Cover for
    COVID-19-related
    overseas medical costs*~#

    Cover for
    COVID-19 amendment
    and cancellation costs*^

    Cover for
    COVID-19-related
    additional expenses*#^

    Find Out More
     

    *Limits, sub-limits, conditions, and exclusions apply.
    ~Medical cover will not exceed 12 months from onset.
    #Cover for medical costs related to COVID-19 is not available on our Domestic Plans.
    ^A special excess will apply.

    Travel’s back on — and we’re ready to support you

    Feel in control by choosing the most suitable plan for you

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    Feel safe with 24/7 access to Emergency Assistance

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    Feel joy with 80+ adventure activities included

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    Feel confident with our 35+ years of travel expertise

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    Looking for the best travel insurance plan for your holiday?

    Whatever your travel budget, style or needs, let’s travel the world together — safely.

    International

    Basic Plan

    Essential cover designed for Australian travellers on a budget.

    • Pre-trip cover if you’re diagnosed with COVID-19
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $5,000 luggage cover*
    • Existing medical conditions cover available
    • Optional cancellation cover
    • Single Trip policies
    • Annual Multi-Trip policies^^
    • Rental vehicle insurance excess
    MOST POPULAR

    International Comprehensive Plan

    Extensive cover and benefit limits to provide extra peace of mind.

    • Pre-trip cover if you’re diagnosed with COVID-19
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $15,000 luggage cover*
    • Existing medical conditions cover available
    • Optional cancellation cover with Cancellation Extensions
    • Single Trip or Annual Multi-Trip^^ policies
    • Rental vehicle insurance excess
    • Rental vehicle comprehensive cover

    International Comprehensive+ Plan

    Everything our Comprehensive Plan includes and more + higher benefit limits.

    • Pre-trip cover if you’re diagnosed with COVID-19#
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $25,000 luggage cover*
    • Existing medical conditions cover available
    • Optional cancellation cover with Cancellation Extensions
    • Single Trip or Annual Multi-Trip^^ policies
    • Rental vehicle comprehensive cover
    • Business trip benefits

    International Basic Plan

    Essential cover designed for Australian travellers on a budget.

    • Pre-trip cover if you’re diagnosed with COVID-19
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $5,000 luggage cover
    • Existing medical conditions cover available
    • Optional cancellation cover
    • Single Trip policies
    • Annual Multi-Trip policies^
    • Rental vehicle insurance excess
    MOST POPULAR

    International Comprehensive Plan

    Extensive cover and benefit limits to provide extra peace of mind.

    • Pre-trip cover if you’re diagnosed with COVID-19
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $15,000 luggage cover*
    • Existing medical conditions cover available
    • Optional cancellation cover with Cancellation Extensions
    • Single Trip or Annual Multi-Trip^^^ policies
    • Rental vehicle insurance excess
    • Rental vehicle comprehensive cover

    International Comprehensive+ Plan

    Everything our Comprehensive Plan includes and more, plus higher benefit limits.

    • Pre-trip cover if you’re diagnosed with COVID-19#
    • On-trip cover if you’re diagnosed with COVID-19^##
    • Unlimited~ overseas emergency medical expenses^
    • Up to $25,000 luggage cover*
    • Existing medical conditions cover available
    • Optional cancellation cover with Cancellation Extensions
    • Single Trip or Annual Multi-Trip^^ policies
    • Rental vehicle comprehensive cover
    • Business trip benefits
     

    Want the latest COVID-19 travel information and advice?

    Don’t let COVID confusion prevent you from planning your dream holiday. Use the RiskLine TravelCheck^ tool to understand your destination’s:

    COVID-19 risk and infection levels

    entry and quarantine requirements

    mandatory rules for public spaces

    ...and more.

     

    Tip: for definitive guidance and to confirm the current rules for Australian travellers, don’t forget to check smartraveller.gov.au before, during and post-travel.

    Holiday hasn’t gone to plan?

    You can submit a Cover-More travel insurance claim online at any time — and from anywhere.

    Make a Claim

    Get emergency support, fast. We’re here 24/7.

    Contact Emergency Assistance

    When adventure awaits… we can help provide peace of mind

    Cruising

    Setting sail for two or more nights? You’ll need to let us know for Cruise Cover to be included in your policy.

    Learn More

    Snow Sports

    Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

    Learn More

    Adventure Activities

    Planning on engaging in extreme activities? We’ve got two additional Adventure Activities Cover options for you.

    Learn More

    Motorcycle & Moped Riding

    Want to take to the road on two wheels? See if one of our Motorcycle/Moped Cover options is right for your trip.

    Learn More

    We’re by your side when you need us most

    We’ve been protecting Australian travellers for over 35 years. Read our customers’ Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

    Mosquito bite in Bali

    Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

    "Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

    Boat crash in Thailand

    Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

    "Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

    Accidental fall in Poland

    Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

    "Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

     

    How can we help you travel smarter?

    Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

    Finding cover for Existing Medical Conditions (EMCs)

    Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

    Read More

    7 ways COVID-19 has changed the way we travel

    Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

    Read More

    What you should know before you hit the slopes

    Planning a ski trip at home or abroad? Don’t depart without reading our expert advice.

    Read More

    Got a question about travel insurance? We’re here to help

    • What is travel insurance?

      Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

      Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

    • How much does travel insurance cost?

      The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

      At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

      • Area: higher risk areas cost more.
      • Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
      • Age: higher risk age groups cost more.
      • Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
      • Excess: the higher the excess the lower the cost.
      • Cruise cover: additional premium applies.
      • Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
      • Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
      • Options to vary cover (where available): additional premium applies.

      While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

    • How does travel insurance work?

      Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

      The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

      However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

      Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

    • What does – and doesn’t – travel insurance cover?

      Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the Product Disclosure Statement before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

      For full details of the exclusions within our Cover-More travel insurance plans, consult the Product Disclosure Statement .

    • When is the best time to purchase travel insurance?

      The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

    Protect your trip with us — get a free travel insurance quote now.