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Protection for Injuries Resulting in Disability


Cover for disability that happens after an accident while travelling

We understand that the unexpected can happen when you’re travelling. Thankfully, Cover-More policies can include disability cover, which can give you extra peace of mind when you’re away from home. Please make sure you read our full PDS to find out exactly what’s covered.

Ready to purchase a policy? Get a quick quote online for Cover-More travel insurance or call us on 1300 72 88 22.

Understanding our disabilities benefit

Travelling away from home is an incredible experience, but occasionally unforeseen accidents occur. If during the period of your insurance policy you suffer from an injury caused solely and directly by violent, accidental, visible and external means – that is not caused by a sickness or disease – Cover-More may be able to help.

We provide cover for disability that occurs within one year of the date of an accident whilst you're travelling, if your injury results in permanent total loss of sight in one or both eyes, or the permanent total loss or use of one or more limbs within one year of the date of the accident.

Please note the maximum disability cover limit for any accompanying children is $10,000 for each child, while the maximum benefit limit for Cover-More’s disability cover is:

Premium Plan $25,000*
Medical Only Plan No cover
Domestic Plan $10,000*
Domestic Cancellation Plan No cover
Inbound Plan No cover

*A maximum liability collectively applies for the Loss of Income; Disability; and Accidental Death benefits of $25,000 for the Premium Plan, and $10,000 for the Domestic Plan.

Please also refer to our General Exclusions and Policy Conditions.

Our disability definitions decoded

When purchasing Cover-More’s travel insurance and submitting claims, it’s important to understand what we mean by the following terms:

“Limbs” means a hand at or above the wrist, or a foot at or above the ankle.

“Permanent” means a period of time lasting 12 consecutive months after the expiry of which we consider there is no reasonable prospect of improvement.

Need more clarification on these terms or assistance with disability cover? Contact Cover-More on 1300 72 88 22.

See more travel insurance benefits here!


The information on this page relates to the Direct Cover-More travel insurance product effective 31 March 2021.