Travel Insurance You Can Trust

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    When do you leave?
    When do you return?
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    Current Ages of All Travellers
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    Keeping Australians
    Travelling for Over 30 Years

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    Trusted by 15 Million Travellers Worldwide

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    Earn 3 Velocity Points per $1 Spent

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    Unlimited Overseas
    Medical Expenses Cover*

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    Access to 24/7 Emergency
    Assistance

     

    Travel Insurance More Australians Count On

    Travel is exciting, eye-opening, and sometimes even life changing. However, accidents can happen while you’re away from home. And when they do, they can ruin your trip – and your finances.

    But with travel insurance from Cover-More, you can worry less about unexpected incidents and travel with extra peace of mind. Why? Whether you experience flight delays, lose your bags, or become ill mid-trip, we can help you when you need it most.

    Key Benefits of Our International Comprehensive Plan

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    Medical Assistance

    If you fall ill during your trip, we can provide cover for overseas hospital, medical and surgical expenses.

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    Travel Delay/Cancellation

    If your pre-booked transport is delayed for six hours or more, we can provide cover to reimburse you for additional accommodation.**

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    Emergency Assistance

    Our trained team of case managers and doctors are available 24/7 to help while you're abroad.

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    Luggage and Travel Documents

    Our luggage cover can protect your valuable items such as laptops, cameras, mobile phones, jewellery, and other specified items.**

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    Existing Medical Conditions

    We automatically cover numerous medical conditions, but if yours isn’t included on the list or it doesn’t meet the criteria, you can easily apply for extra cover online.

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    Rental Vehicle Insurance Excess

    Enjoy up to $5,000 in rental vehicle insurance excess to help protect your hire vehicle.

    For full details of terms and conditions, sub-limits and exclusions that may apply, please read the Product Disclosure Statement before purchasing this travel insurance product.
     

     

    Types of Cover-More Travel Insurance

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    International

    Protect yourself, your belongings, and your bookings while travelling the globe.

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    Domestic

    Cover for flight delays, driving holidays, lost or stolen luggage, and more within Australia.

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    Annual Multi-Trip

    If you travel frequently, an Annual Multi-Trip plan may save you time and money^.

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    Accident Cover

    If you suffer an injury whilst on your trip, we can provide unlimited overseas emergency medical expenses cover*.

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    Cover for Seniors

    Plans that cover travellers aged up to 99 years of age^, with cover for various Existing Medical Conditions automatically included.

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    Cruise Cover

    Additional cruise benefits for cancellation or unexpected on-board medical costs benefits when you tell us you are going on a multi-night cruise.

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    Adventure Sports

    Abseiling, jet skiing, zip lining, and many more activities are automatically included in our travel insurance plans, with additional upgrades for more adventurous activities available for an extra premium.

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    Snow Sports

    Add our Snow Sports Cover to your policy for an additional premium to cover skiing, snowboarding and snowmobiling activities while travelling.

    COVID-19 Benefits

    Our plans include several COVID-19 benefits to provide cover for scenarios arising during the current coronavirus pandemic.

     

    Cover-More Customer Reviews

    Check out Cover-More's customer reviews on Feefo and Product Review. Here you can read the latest independent ratings and reviews from the people that matter, in their own words and see why millions of Australians continue to choose our travel cover plans.

    natalie customer review

    Natalie and her friends were involved in a speedboat crash in Thailand resulting 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."

    Natalie, Boat Crash, Thailand

    irene customer review

    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"

    Irene, Fall Results in Fracture, Poland

    shannon customer review

    Shannon experienced a mosquito bite in Bali that resulted in 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."

    Shannon, Dengue Fever, Indonesia

    Travel Insurance FAQs

    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, 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. 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.

    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 PDS to ensure your needs are adequately covered should an incident occur.

    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 prior to departure, your policy can help cover the costs of trip cancellations should you no longer be able to travel, as well as the costs of 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 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.

    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 PDS.

    The best time to purchase travel insurance is as soon as your 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.

    See all Travel Insurance FAQs.

     

    **Item limits apply. Luggage cover not included on the Domestic Basic Plan
    * Cover will not exceed 12 months from onset of the illness or injury.
    ^Policy availability subject to age, trip duration & area of travel. Policies may not be available to all travellers.