Discover the benefits of our travel insurance plans
Holidaying with our Cover-More cover is like applying SPF50 to your trip plans. Yes, with these brilliant benefits, our plans can help protect you – and your wallet – from unexpected issues ruining your getaway.
Your loved ones can get a lump sum if an injury occurs while you’re travelling that leads to your death. It’s to help them worry less during a hard time.
Accidental Death benefitYou can get help with unpredictable costs that come your way on your trip, like extra accommodation costs if you get sick or injured.
Unexpected expenses benefitYou can include this benefit if you want cover against unexpected changes messing with your trip plans – whether you’ve left home or not.
Cancellation costs benefitYou can get cover for unexpected costs if your trip is affected by COVID-19. (Because yes, it still exists – and it can still cause travel issues.)
COVID-19 benefitYou can have cover for essential items (think: toiletries and a change of clothes) if your checked luggage is delayed for a certain period on your trip.
Delayed Luggage benefitYou can get some money if you have an accident on your trip that ends with you losing your site or the loss of a limb. (It’s not about travellers with existing disabilities.)
Disability benefitYou’ll get 24/7 access to our expert assistance team. We can help with medical and travel emergencies during your trip no matter what time of day – or night! – it is.
See how we can helpYou may be able to get cover for your pre-existing medical conditions – just tell us about them! If you include cover for them in your policy, you’ll get cover for unexpected on-trip costs.
Existing Medical ConditionsYou can get some money if you’re held hostage during a hijacking on public transport, such as a on a flight, in a vehicle, or on a ship while travelling overseas.
Hijacking benefitYou can get cover for some items you need during hospital stay overseas of 48 hours or more, such as phone calls, in-room TV, food, drinks, and toiletries.
Hospital Incidentals benefitYou can get cover for emergency medical and dental expenses in Australia if you’re a non-Aussie resident travelling Down Under and you need treatment.
Inbound Medical Dental benefitYou can get money to cover your lost wages if you get injured or ill on your trip and are unable to go back to work for more than 15 days when you return from your trip.
Loss of Income benefitYou can get cover for a certain amount of lost or stolen money if it is stolen while it’s on your person or locked in a safe during your trip.
Lost or Stolen Money benefitYou can get cover for the stuff you’ve packed and your oh-so-important passport and driver’s licence in case they’re lost, stolen or damaged on your trip.
Luggage benefitYou can get cover for extra costs you have to fork out (think: hotel, meals, and a new ticket) after you miss a connection because of delays or cancellations outside of your control.
Read the PDS for more infoYou can get a benefit for emergency overseas medical and dental costs, so you can focus more on getting better – not on paying all the bills.
Overseas medical benefitYou can get cover for some of the costs you have to pay if you accidently hurt someone or damage property while you’re travelling.
Personal Liability benefitYou can get help with covering your travel costs if you need to unexpectedly – and urgently – come home early from your trip for certain reasons.
Resumption of Journey benefitYou can get cover for your travel gadgets – like your beloved phone, camera, and laptops – in case they get lost, stolen or broken while you’re travelling.
Tech Items benefitYou can get cover for your hotel costs if your prepaid transport is unexpectedly delayed for six or more hours and you need a new place to stay for the night.
Travel Delay benefitYou can get cover for prepaid trip costs if your airline, cruise or car rental agency goes bankrupt or out of business and you can’t get a refund.
Read the PDS for more infoWhat do I need in a travel insurance plan?
Only you can know the answer to that. (Annoying, we know.) But start by looking at your trip plans: What are you doing? What are you packing? And how much to you worry about the ‘what-ifs?’ Then, see which one of our plans is your best match.
Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.
Basic plan
More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.
Comprehensive plan
Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.
Comprehensive+ planWant more care with your cover? We’re here for our global travellers
~300,000
The number of assistance calls we get each year from travellers who are in a pickle and need help.
~50,000
The number of assistance cases we handle each year (AKA travellers who need medical, safety or travel help).
~1,400
The number of medical evacuations and repatriations we help make happen each year for our travellers in need.
85,000+
The number of brilliant hospitals, doctors in our global network who help and support you overseas.
This is how our global Cover-More assistance team (also known as World Travel Protection) supported travellers across all our Zurich Cover-More brands and other third-party businesses in 2024 from our dedicated emergency travel assistance Command Centres located in Brisbane (Australia), Toronto (Canada) and London (UK). Want the global actuals for our 2024 assistance stats? They are: 294,491 assistance calls, 47,395 assistance cases, and 1,362 repatriations/evacuations.
Benefits of travel insurance for extra fun itineraries
If you’re into adventurous activities or plan to cruise on the high seas, listen up. We can help you tailor your cover to suit your amazing holiday plans so you can do more and worry less.
If you’re heading out onto the ocean or sea for two or more nights, then you’ll need to include our Cruise Cover.
Cruise Cover
Before you set foot on the snow in Australia or overseas, choose one of our two levels of Snow Sports Cover.
Snow Sports Cover
If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.
Adventure Activities Cover
Before you jump on a motorcycle or moped as the driver or passenger, check out one of our two levels of Motorcycle/Moped Cover.
Motorcycle/Moped Cover
Had a holiday hiccup?
Don’t worry – you can submit a Cover-More travel insurance claim online at any time, from anywhere.
FAQs about the benefits of travel insurance
Yes, we’re a little bias about the brilliance of our cover. But we’re also travellers who know why travel insurance is important.
We can’t tell you want you need; only your parents can do that. But we can say this: the Australian Government thinks you do need travel insurance.
‘Travel doesn't always go to plan. The right insurance is as essential as a passport for travel overseas.’ – smartraveller.gov.au.
If you pack our travel insurance on your trip, you can get cover for the often expensive ‘what-ifs’ in case they actually happen. (Think: trip cancellations, delays, lost luggage, medical expenses, and emergency evacuations.)
And if something bad does go down? Our 24/7 care means we can help you whenever you need us. Yep, we’re not just here to pay the unexpected bills, but make you feel supported too.
Ooh, we do love a philosophical question. But you know what we think: of course travel insurance is worth it.
But it’s not only our opinion that matters. Why not ask Cover-More traveller Luke Spiezia’s for his?
Luke’s family trip to America for his mum’s 60th birthday ended up in a AU$2,700,000 travel claim. If they didn’t pack our travel insurance, this scary time would’ve been a whole lot more stressful without our caring team and financial support.
We can’t see the future, but we do know this: buying travel insurance might not be the most exciting part of planning a trip, but it can help you worry less about the what-ifs.
The benefits of travel insurance for international trips and Australian holidays are aplenty… The right cover can help protect you from the unexpected – and then get you the help you need when you really need it.
It can provide cover for things like trip cancellations, overseas medical expenses, lost passports, and the stuff you pack in your suitcase. It can also mean you’ve got access assistance 24/7. Just scroll back up to see all the benefits you’ll find in our travel insurance plans. There are a lot.
You should also compare our plans and check out the Product Disclosure Statement (PDS). They’ll show you the benefits of our travel insurance – and you can crosscheck what we offer with what you need from your cover.
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.
