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      Benefits of Travel Insurance

      Kayaking around Emerald Lake in Banff, Canada

      Discover how our benefits help safeguard you and your travels

      When it comes to protecting your trip, travel insurance needs to cover you in more ways than one. Why? On the same trip you could lose your bag, sprain your ankle, or miss a flight – and that’s just in the first 24 hours.

      That’s why our Cover-More travel insurance plans are packed with useful benefits that may help support you when the unexpected occurs.

      From cover for unforeseen overseas medical emergencies and repatriation costs to certain COVID-19 scenarios and lost luggage, our plans can protect you from a variety of out-of-pocket expenses.

      But the benefits of travel insurance don’t end there.

      Below, you’ll find our most popular travel insurance benefits and more, so you can learn how to get the most out of your Cover-More travel insurance policy.


      Ready to protect your trip?


      Looking for something in particular? Skip ahead to find:

      Popular benefits of travel insurance

      overseas medical expenses icon

      Overseas Medical & Emergency Dental Expenses

      Cover for unexpected medical and emergency dental expenses overseas if you get sick or injured.

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      face mask icon

      COVID-19 Benefits

      Protect your trip against several COVID-19 scenarios during the current coronavirus pandemic. (Does not include border closures.)

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      additional expenses rescue helicopter icon

      Additional Expenses Cover

      Benefit to protect you from unforeseen additional expenses incurred during your travels.

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      travel cancellation icon

      Amendment & Cancellation Costs

      Choose your level of protection in case of trip cancellation due to a coverable reason.

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      luggage icon

      Luggage & Documents Insurance

      Cover if your travel documents or luggage is lost, stolen, or damaged on holiday.

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      delayed luggage icon

      Delayed Luggage Cover

      Get an allowance if all your luggage is delayed overseas for more than 12 hours on your journey.

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      money and wallet icon

      Money Cover

      Cover for money up to the benefit limit if it accidentally gets lost or stolen while on you or stolen from a locked safe or safety deposit box.

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      rental car insurance excess icon

      Rental Vehicle Insurance Excess

      Cover for when you are liable to pay the insurance excess if your rental vehicle is damaged or stolen.

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      travel delay icon

      Travel Delays

      Benefit for additional accommodation expenses if your pre-booked transport is delayed for at least 6 hours.

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      resumption of journey icon

      Resumption of Journey

      Benefit to help you continue with your trip after having to unexpectedly return home because of the health of a non-travelling relative or business partner.

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      special events insurance icon

      Special Events Insurance

      Cover for additional expenses if you're delayed during transit and need to arrive on time for a special event.

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      hospital incidentals icon

      Hospital Incidentals

      Cover for incidental costs incurred during your hospital stay overseas if your stay is over 48 hours.

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      hijacking icon

      Hijacking Cover

      Cover if your overseas public transport is hijacked and you’re forcibly detained by the hijackers.

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      loss of income icon

      Loss of Income Cover

      Cover for income loss if you suffer an injury or illness while travelling and can't return to work.

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      disability icon

      Cover for Disability

      Cover for total loss of sight or use of a limb that occurs due to an accident on your trip.

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      accidental death icon

      Accidental Death Cover

      Benefit to your estate if you suffer an injury on your trip resulting in your death.

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      personal liability icon

      Personal Liability Cover

      Protection if you're unintentionally legally liable to pay compensation for property damage, injury, or death to someone else.

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      inbound australia medical expenses icon

      Medical & Dental Expenses in Australia

      Cover for unforeseen medical and dental expenses for non-residents visiting Australia on our Inbound Plan.

      Find out more

      The above section is a summary of the benefits available on some Cover-More plans. You should always read the Combined FSG/PDS as limits, sub-limits, conditions, and exclusions apply.

      Is travel insurance worth it?

      While you never hope to need it, travel insurance can help offer assistance if things go wrong while you travel overseas or within Australia. Your policy could end up saving you tens of thousands of dollars if the worst were to happen, which helps make your travel insurance worth it.

      Cover-More customers Katie-Anne and Jacob racked up medical bills of $900,000 when they had a car accident in California. Luckily, their policy covered these expenses so they could focus on what mattered – recovering.

      Could you afford to keep travelling without travel insurance if this happened to you?

      Unforeseen illnesses, natural disasters and accidents can derail a well-planned holiday at any moment. It’s important to have a travel insurance policy that can protect you from the financial burden if something unfortunate happens.

      Do I need travel insurance?

      According to, the short answer is yes. Things might not go to plan while you’re travelling, unforeseen expenses can quickly add up while you’re overseas, and nothing will dampen a holiday faster than out-of-pocket bills.

      One of the most important benefits of comprehensive travel insurance is that it can help protect your financial future against unexpected expenses that arise. Remember the Australian Government will not assist in paying for your medical bills overseas. If you don't have travel insurance, you and your family may have to carry the cost.

      When you purchase a policy with us at Cover-More, you have access to our 24/7 Emergency Assistance team in case something goes wrong on your holiday.

      We can also safeguard you against a range of problems including lost or stolen luggage, travel delays, trip cancellation and more so you can focusing on travelling more and worrying less.

      Can I tailor my Cover-More travel insurance to suit my trip?

      Absolutely! We know each traveller and each trip is different, so we offer several additional options for you to upgrade your cover. From Snow Sports Cover and Adventure Activities Cover to Motorcycle/Moped Riding Cover, you can include one or more optional upgrades to suit your travel plans. You can also choose to add trip cancellation cover or to increase your luggage item limits with a Cover-More travel insurance policy.

      What should I know before buying travel insurance?

      Before you compare plans and get a quote, we recommend you:

      • Finalise your travel dates and destinations.    
        You’ll need to know your trip details, such as where you’re going and how long you’ll be away for, so you can arrange a travel insurance policy that protects your whole trip.
      • Read the relevant Product Disclosure Statement (PDS).    
        Get to know the travel insurance plan you’re considering buying so you can make an informed decision. Familiarise yourself with any terms, conditions and exclusions that are listed in the PDS to avoid disappointment.
      • Ask questions.    
        Chat to our friendly customer service team if you have any questions about what our policy does – and does not – cover. You can reach us via the Live Chat pop-up on our website during Australian business hours.
      • Get a quote for travel insurance and compare plans.    
        Generate a travel insurance quote online and see what options are available to you based on your travel plans.

      Once you’ve arranged travel insurance to protect your trip, you can start counting down the days until your departure!

      Where can I learn more about Cover-More travel insurance?

      Have a look around our website if you’d like more details about our travel insurance coverage. It’s also important to read the relevant Product Disclosure Statement so you’re aware what is – and is not – covered by the policy.

      If you have any questions and would like to speak to someone, give our customer service team a call on 1300 72 88 22.


      Want to insure your next trip?

      Find out how we can help protect your travels.