Travel Insurance You Can Trust

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    Current Ages of All Travellers

    222

    Keeping Australians
    travelling for 30 years

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    Trusted by 18 Million Travellers Worldwide

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    Earn 3 Velocity Points per $1 spent

    Unlimited Overseas Medical Expense Cover

    Unlimited Overseas
    Medical Expense Cover*

    24/7 Emergency Assistance

    24/7 Emergency
    Assistance

    Cover-More Travel Insurance was reviewed on 23 September 2019 on Feefo and rated 4.2 stars based on 2,587 reviews.

     

    Travel Insurance More Australians Count On

    Travelling is supposed to be fun. However, accidents happen. And when they do, they can ruin both your trip, and your finances. But with travel insurance from Cover-More, you don't have to worry about unexpected incidents. Whether your flight experiences delays, you lose your bags, or you become ill mid-trip, Cover-More can help when you need it most.

    Free Quote and Instant Online Cover

    Get a free quote, so you can get back to the fun part – planning your trip. More than 18 million travellers worldwide trust Cover-More to protect their trips at home and abroad, and it’s easy to see why. With over 30 years of experience and many millions of travellers served, we know how to help you when you need it the most. With Cover-More, our policy holders receive:

    • High-quality travel cover at an affordable price;
    • Fast, fair and efficient handling of all your claims;
    • A global team of travel experts that puts your safety and well-being first; and
    • 24 hour emergency assistance from our team of experienced travel assistance providers.

    Key Benefits of Our Premium International Plan

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    Medical Assistance

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

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    Travel Delay/Cancellation

    If your pre-booked transport is delayed for 6 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 out while you're abroad.

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    Luggage and Travel Documents

    Luggage cover can protect your valuable items such as laptops, cameras, mobile phones and other specified items.

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    Existing Medical Conditions

    For conditions not automatically protected by Cover-More, you can apply for extra cover online during the quote process.

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    Rental Car Insurance Excess

    Enjoy up to $6,000 in rental car insurance excess on select plans.

    For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement before purchasing this insurance product.
    Things Happen. We're here to help you keep travelling.

     

    Types of Travel Insurance we Offer

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    International

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

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    Domestic

    Travel insurance can cover flight delays, medical emergencies, and lost or stolen luggage.

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    Annual Multi Trip Policy

    If you travel more than 3 times a year, an Annual Multi-Trip policy can save you time and money in the long run.

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    For Seniors

    Competitively priced plans for people aged up to 84 years of age^. You can also apply for existing medical condition cover.

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    Cruise Add-On

    Include the Cruise add-on to provide cover for unexpected on-board medical costs.

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    Adventure Sports

    Abseiling, jet skiing and white water rafting are just a few activities that are automatically included in a Cover-More policy. Motorcycle and Moped cover can also be added to your plan.

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    Accidents

    If you suffer an injury whilst on your trip, we can provide unlimited cover* for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses.

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    Cheap

    Starting at less than 65 cents per day^^ on our Premium Plan. Popular with students, backpackers and people going on working holidays.

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    Ski & Winter Sports

    Add ski and snowboarding insurance for an extra premium to your policy as even the most experienced skiers and snowboarders can have accidents.

     

    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.

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    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

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    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

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    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 a number of costs and disruptions associated with travelling both domestically and overseas. Levels of cover differ per policy, 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, specific activity add-ons and pre-existing medical conditions all help determine the cost of a travel insurance policy. Policies can be purchased at the time of booking a trip up until the time a traveller leaves their home.

    Travel insurance varies for individual travellers based on the options selected by them, so prices vary from person-to-person. The cost of a travel insurance policy is determined by:

    • Age of traveller/s: the older the traveller, the higher the policy cost may be.
    • Number of travellers included in the policy: a higher number of travellers creates more variables, therefore increasing risk.
    • Length of trip/s: a single trip policy is generally around half the amount of a multi-trip policy, making the latter more cost effective for frequent travellers, while shorter trips often pose less risk of medical incidents and travel interruptions, resulting in lower costs.
    • Destination/s: costs vary greatly depending on the countries and regions covered by a policy. For example, regions such as Europe will often be cheaper than trips to the USA because of the high cost of medical treatment in America.
    • Level of coverage: travellers can opt for cheaper travel insurance as well as comprehensive, more expensive plans to cater to their different customer.
    • Existing medical conditions: a customer’s policy will increase if their medical history shows an increased risk of possible medical treatment requirements while travelling.

    While a cheaper policy cost upfront may seem appealing, always read the Policy Wording 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 negatively 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 up front, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as a police report or medical bill to confirm the incident occurred.

    Always read the Policy Wording 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 Policy Wording before purchasing to avoid becoming frustrated when claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including:

    • Cancellation: simply changing your mind prior to your trip may not be sufficient for a successful claim.
    • Pre-existing conditions: if medical conditions aren’t disclosed or covered by the policy at time of purchase, exclusions may apply to coverage related to those conditions.
    • Theft or loss of belongings while left unattended: travellers must take care of their belongings as they would as home.
    • Incidents occurring as a result of reckless behaviour: claims arising from excessive drinking or taking recreational drugs will likely be rejected.
    • Winter and adventure sports: claims resulting from participation in high risk sports will be void unless covered by the policy.
    • Terrorism and extreme weather events: travelling to specific regions against the advice of the government or your insurer may result in unsuccessful claims because the events are no longer unforeseeable circumstances.

    For full details of exclusions within a travel insurance plan, consult the Policy Wording.

    Purchasing a policy soon after a trip is booked has a number of benefits and increases a traveller’s protection. When purchased ahead of time, a traveller can cancel their travel insurance policy for a full refund within the cooling off period. If the policy is purchased before the customer leaves their home to depart for their trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made.

    By considering travel insurance as an essential part of booking a holiday - not an afterthought when at the airport - travellers are likely to be covered should an incident arise before take-off.

    See all Travel Insurance FAQs.

     

    **Item limits apply.
    *Medical and dental 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 and limits may be applied to travellers over 70.
    ^^Price based on a Premium Annual Multi Trip policy to Bali, with 30 day limit per trip and $250 excess for a single traveller aged 0-49 years with no cancellation cover. Total annual price $224.00.