When you’re travelling, it is easy to forget about all the things that could go wrong. Expenses that you never saw coming can quickly arise and throw your trip into disarray. Cover-More can help protect you and your finances when you encounter unforeseen incidents.
Cover is provided for a range of issues such as if you get sick or die while on your trip, or if you need to get home because your house has been destroyed by a fire, earthquake or flood. Having our travel insurance can also assist if your relative or business partner becomes sick in Australia and you are required to return home, among other circumstances. Please refer to our full PDS for further information.
Save yourself the hassle of additional expenses and consider Cover-More travel insurance. Get a free quote online or call us on 1300 72 88 22 to discuss your trip coverage options.
Check out our definitions below that relate to this section of the policy.
“Additional” means the cost of the accommodation or transport You actually use less the cost of the accommodation or transport You expected to use had the Journey proceeded as planned.
“Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease which first shows itself during the Period Of Insurance and which requires immediate treatment by a qualified medical practitioner or dentist.
“Home” means Your usual place of residence in Australia.
“Relative” means a person who is Your spouse, de facto, parent, parent-in-law, stepparent, guardian, grandparent, child, foster child, grandchild, brother, brother-in-law, half-brother, stepbrother, sister, sister-in-law, half-sister, stepsister, daughter, daughter-in-law, stepdaughter, son, son-in-law, stepson, fiancé, fiancée, uncle, aunt, niece, or nephew.
Cover is subject to the written advice of the treating qualified medical practitioner and acceptance by our emergency assistance team.
f you suffer a disabling injury, sickness or disease, cover is provided for reasonable additional accommodation (room rate only) expenses and additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred by:
Cover is also provided for reasonable expenses incurred in returning your rental car to the nearest depot if you suffer a disabling injury, sickness or disease provided that, on the written advice of the treating qualified medical practitioner, you are unfit to drive it.
Cover is provided for reasonable overseas funeral or cremation expenses or the cost of returning Your remains to Australia if:
Cover is provided for reasonable Additional transport expenses at the same fare class as originally booked if You are required to return Home due to the sudden Disabling Injury, Sickness or Disease or death of a Relative or Your business partner in Australia.
Cover is provided for the reasonable Additional transport expenses at the same class as originally booked for Your early return Home if it is totally destroyed by fire, earthquake or flood while You are on Your Journey.
Cover is provided for your reasonable additional accommodation (room rate only) and additional transport expenses, at the same fare class and accommodation standard as originally booked, incurred on the Journey due to an unforeseeable circumstance outside your control and resulting from:
The maximum benefit limit for this section is:
|Medical Only Plan||$Unlimited|
|Domestic Cancellation Plan||Cover chosen*^|
^Combined limit of Section 2 and 3. *Combined limit of Section 1 and 2.
For approved claims under this Section and Section 3 for the same or similar Additional expenses or prepaid travel costs over the same period, We pay the higher of the two amounts claimed, not both.
If any point a)-f) above cannot be met e.g. if your non-travelling relative was in a nursing home or did have a terminal illness, which means your claim would otherwise be excluded, we will pay no more than $1,000 under all sections of the policy combined.
Do you have a question about our additional expenses benefit? Give us a call on 1300 72 88 22 to discuss. Get a free quote online for Cover-More travel insurance.
The information on this page relates to the Direct Cover-More travel insurance product effective 31 March 2021.