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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*#^
*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
Whatever your travel budget, style or needs, let’s travel the world together — safely.
Essential cover designed for Australian travellers on a budget.
Extensive cover and benefit limits to provide extra peace of mind.
Everything our Comprehensive Plan includes and more + higher benefit limits.
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.
You can submit a Cover-More travel insurance claim online at any time — and from anywhere.
Make a ClaimSetting sail for two or more nights? You’ll need to let us know for Cruise Cover to be included in your policy.
Learn MoreHitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.
Learn MorePlanning on engaging in extreme activities? We’ve got two additional Adventure Activities Cover options for you.
Learn MoreWant to take to the road on two wheels? See if one of our Motorcycle/Moped Cover options is right for your trip.
Learn MoreWe’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.
Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.
Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.
Read MoreWorried about travel risks during COVID-19? Discover how you can help ensure a safer trip.
Read MorePlanning a ski trip at home or abroad? Don’t depart without reading our expert advice.
Read MoreWhat 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:
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.