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    Travel Insurance with Disability Benefits

    Disabled child in wheelchair on beach with parent

    Cover for a disability that happens after an accident while travelling

    At Cover-More, we know unexpected injuries can occur whether you’re travelling internationally or domestically. That's why our comprehensive travel insurance plans include a disability benefit.

    To understand our disability benefit, we recommend you read the below information, plus our PDS for full details on what is – and isn’t – covered, as we can’t cover absolutely everything.

    Ready to purchase a policy? Get a quick quote online or call us on 1300 72 88 22.

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    Why do I need disability cover in my travel insurance policy?

    Travelling away from home is an incredible experience, but occasionally unforeseen accidents occur; accidents that result in life-changing and expensive injuries. A travel insurance policy that includes a disability benefit can help you in some scenarios.

    What does Cover-More’s disability cover include?

    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.

    The maximum benefit limit for Cover-More’s disability travel insurance cover is:

    PlanBenefit Limit
    International Comprehensive+$30,000*
    International Comprehensive$25,000*
    International Basic$Nil
    Domestic Comprehensive+$30,000*
    Domestic Comprehensive$25,000*
    Domestic Basic$Nil

    *A maximum liability collectively applies for the Loss of Income; Disability; and Accidental Death benefits of $45,000 for the Comprehensive+ plans, and $30,000 for the Comprehensive and Inbound plans.

    Limits, exclusions, and conditions apply. Please check the PDS for full policy conditions.

    What does Cover-More's travel insurance define as "limbs"?

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

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

    Want help with this term or assistance with travel insurance? Contact our team on 1300 72 88 22.

    What does Cover-More's define as "permanent"?

    Whenever our Cover-More team refers to the word “permanent”, we mean:

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

    Need more clarification on this term or help with disability travel insurance benefits? Call our friendly Cover-More team on 1300 72 88 22.


    Looking for travel insurance that includes a disability benefit?

    Find our best plan for your travels today.