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COVID-19 Travel Insurance Cover

IMPORTANT: Our customer service team cannot provide customers with personal advice over the phone or confirm if a claim will be approved. All claims need to be submitted online via our claims portal for consideration by our claims team. For general questions related to our Cover-More COVID-19 cover, please read the PDS and/or your Policy Wording, review our COVID-19 FAQs, or call us on 1300 72 88 22.

Family going on holiday at airport wearing face masks

Protect your international or domestic trip with our COVID-19 benefits

Looking for travel insurance with COVID-19 cover for trips within Australia and overseas?

At Cover-More, we provide several COVID-19 travel insurance benefits across our international and domestic plans to help you book and travel with confidence. Yes, this means you can focus on planning your getaway knowing we’re by your side to support you during the coronavirus pandemic.

For more information on our travel insurance with COVID-19 cover, keep reading below or skip ahead to learn:

You can also read the COVID-19 travel insurance cover FAQs or get a quote online now.

 
 

What is COVID-19 travel insurance cover?

A travel insurance policy that includes cover for unforeseen COVID-19-related scenarios can help reduce the financial risk of travelling during the novel coronavirus pandemic. It is common for travel insurance with COVID-19 benefits to include cover for incidents relating to overseas medical expenses, trip amendments and cancellation costs, and additional expenses.

However, policies will vary from provider to provider, so it’s important to understand what you are – and aren’t – covered for when it comes to international and domestic travel insurance with COVID-19 cover when choosing the best travel insurance for you during the current pandemic.

 

Does Cover-More provide travel insurance with COVID-19 cover?

We have provided some COVID-19 travel insurance cover since December 2020 to help support our Cover-More customers who continued to travel throughout the coronavirus pandemic.

As of 20 April 2022, many COVID-19 travel insurance benefits are still available on all our plans; however, coverage varies between our International Plans and Domestic Plans, and across our three tiers of cover: Basic, Comprehensive, and Comprehensive+.

Before deciding if our travel insurance with COVID-19 cover is right for you, we recommend you read the PDS and compare our International Plans' and Domestic Plans' COVID-19 cover below.

 

What do Cover-More’s COVID-19 benefits cover?

At Cover-More, our COVID-19 travel insurance benefits help protect you from unforeseen expenses related to the current coronavirus pandemic. These benefits include:

 

overseas medical expenses icon

Cover for COVID-19
Overseas Medical Costs*#~

COVID-19 Cancellation

Cover for COVID-19
Amendments and Cancellation Costs*^

Wallet icon

Cover for COVID-19-Related
Additional Expenses*#^

 

For more details on our COVID-19 travel insurance benefits and how they apply to each plan, compare the COVID-19 cover available on our International and Domestic travel insurance plans below or view the PDS.
 

What don’t Cover-More’s COVID-19 benefits cover?

Unfortunately, our COVID-19 travel insurance cover can’t cover absolutely every scenario resulting from the global coronavirus pandemic. To help provide clarity from the get-go, our travel insurance COVID-19 benefits don’t cover the following:
 

COVID-19 lockdown icon

Government Border Closures, Lockdowns or Quarantine

 

COVID-19 Test Icon

Mandated COVID-19 Tests (PCRs and Rapid Antigen Tests)

 

COVID-19 Close Contact Icon

Close Contacts of a Person Diagnosed with COVID-19

 

COVID-19 Cruise Cover Icon

Cruise Cabin Confinement Costs Related to COVID-19

 

To ensure you understand the COVID-19 scenarios you aren’t covered for – plus more details on any general exclusions beyond our COVID-19 travel insurance benefits – we encourage you to read the PDS.

Ready to travel? To understand the latest information on COVID-19 and government travel restrictions when planning your trip, please visit smartraveller.gov.au or the relevant Australian State or Territory Government website before getting a quote online.
 

Important reminder: No travel insurance cover for COVID-19 is provided if you enter a country with an active “Do not travel” warning from the Australian Government. To find out the current overall advice rating of your intended destination, visit Smartraveller’s destinations page.

 

What COVID-19 cover do Cover-More’s international travel insurance plans provide?

If you’re wanting to find the best COVID-19 travel insurance cover for your overseas trip, we can help. At Cover-More, we offer three tiers of international travel insurance with COVID-19 cover to assist you in finding the right cover for your trip, travel style and budget.

You can compare all the benefits of our International Plans here or compare our international Cover-More COVID-19 cover below:

International Basic
(Single Trip)
International Comprehensive
(Single Trip or Annual Multi-Trip)
International Comprehensive+
(Single Trip or Annual Multi-Trip)
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 and you cannot travel and the policy is purchased MORE THAN 21 days before your scheduled trip departure date.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 and you cannot travel and the policy is purchased WITHIN THE 21 days before your scheduled trip departure date.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy, but only for costs paid after you buy the policy and in the 48 hours prior to purchasing the policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if your non-travelling relative or business partner residing in Australia or New Zealand becomes ill with a life-threatening case of COVID-19.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you are an essential healthcare worker and have your leave revoked because of COVID-19-related reasons.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
ON-TRIP:
Overseas Medical Expenses
cover if you are diagnosed with COVID-19 overseas (including onboard emergency medical and ship-to-shore medical expenses on a multi-night cruise if Cruise Cover is included in your policy).

$Unlimited~

$Unlimited~

$Unlimited~
ON-TRIP:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 on your trip and you are required to self-isolate.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $500 applies^.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $500 applies^.

Up to $5,000 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $500 applies^.
ON-TRIP:
Additional Expenses
cover if you are diagnosed with COVID-19 on your trip and you are required to self-isolate and you incur additional transport and/or accommodation expenses.

$2,500
A special excess of $250 applies^.

​$2,500
A special excess of $250 applies^.

​$2,500
A special excess of $250 applies^.

For full details on our international COVID-19 travel insurance cover, please read the PDS.

Ready to cover your overseas trip? You can get a quote online now.
 

Did you know we offer extra COVID-19 benefits for international trips to New Zealand?

In addition to the benefits shown in the international COVID-19 cover table above, we offer the below benefits if you’re travelling to New Zealand from Australia. Because you’re travelling closer to home, we’re able to provide additional support for unexpected COVID-19 scenarios ruining your trip.

For trips to New Zealand, you’ll receive Additional Expenses cover (up to $2,500) for COVID-19 if:

  • the person you were planning to stay with in New Zealand is diagnosed with COVID-19 and must self-isolate, resulting in you needing to find alternative accommodation (cover for up to $150 per night across all plans)
  • your prepaid accommodation in New Zealand is unexpectedly closed or shut because of an outbreak of COVID-19 on the premises and hygiene measures are required, resulting in you needing to find alternative accommodation (cover provided for accommodation in the same class as the original booking)
  • the destination venue of your prepaid holiday activity (such as a ski venue, theme park, or cooking school) in New Zealand is closed because of an outbreak of COVID-19 on the premises and you can no longer participate in your activity as planned

Note: these additional benefits are also available on our three Domestic Plans (Basic, Comprehensive, and Comprehensive+) for Australians travelling within Australia. See the table below or the PDS for more details.

 

Tip: Consider purchasing our International Comprehensive+ Plan at least 21 days before your departure date if you’re after travel insurance that provides some COVID-19 cover against unforeseen events both before and during your overseas holiday.


What COVID-19 cover do Cover-More’s domestic travel insurance plans provide?

If you want to protect your Australian trip with domestic travel insurance with COVID-19 cover, we can help provide extra peace of mind. Whether you’re planning a city break in one of our beautiful major cities or planning a relaxing escape to the countryside, our travel insurance could help prevent unforeseen expenses from ruining your trip.

You can compare all the benefits included in our Domestic Plans here or view the tables below to compare our domestic travel insurance COVID-19 cover for Australian trips:

Domestic Basic
(Single Trip)
Domestic Comprehensive
(Single Trip or Annual Multi-Trip)
Domestic Comprehensive+
(Single Trip or Annual Multi-Trip)
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 and you cannot travel and the policy is purchased MORE THAN 21 days before your scheduled trip departure date.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 and you cannot travel and the policy is purchased WITHIN THE 21 days before your scheduled trip departure date.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy, but only for costs paid after you buy the policy and in the 48 hours prior to purchasing the policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if your non-travelling relative or business partner residing in Australia or New Zealand becomes ill with a life-threatening case of COVID-19.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
PRE-DEPARTURE:
Amendment or Cancellation Costs
cover if you are an essential healthcare worker and have your leave revoked because of COVID-19-related reasons.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
ON-TRIP:
Domestic Medical Expenses
cover if you are diagnosed with COVID-19 in Australia.
ON-TRIP:
Amendment or Cancellation Costs
cover if you or your travelling companion are diagnosed with COVID-19 on your trip and you are required to self-isolate.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $250 applies^.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $250 applies^.

Up to $2,500 per policy if Amendment and Cancellation Cover is included in your policy.
A special excess of $250 applies^.
ON-TRIP:
Additional Expenses
cover if you are diagnosed with COVID-19 on your trip and you are required to self-isolate and you incur additional transport and/or accommodation expenses.

$2,500
A special excess of $250 applies^.

$2,500
A special excess of $250 applies^.

$2,500
A special excess of $250 applies^.
ON-TRIP:
Additional Expenses
cover if the person you were due to stay with in Australia is diagnosed with COVID-19 and must self-isolate and you need to find alternative accommodation.

Up to $150 per night.

Up to $150 per night.

Up to $150 per night.
ON-TRIP:
Additional Expenses
cover if your prepaid accommodation is unexpectedly shut down or closed because of an outbreak of COVID-19 on the premises and hygiene measures are required and you need to find alternative accommodation.

(Accommodation must be in the same class as the original booking.)

(Accommodation must be in the same class as the original booking.)

(Accommodation must be in the same class as the original booking.)
ON-TRIP:
Additional Expenses
cover if the destination venue of your prepaid holiday activity in Australia is closed because of an outbreak of COVID-19 on the premises and you can no longer participate in the activity.

To understand more about our domestic COVID-19 travel insurance cover for Australian residents, please read the PDS. If you’ve got questions about our domestic cover – including why we can’t cover medical costs in Australia – check out our domestic plans and domestic FAQs pages.

If you’re a non-Australia resident looking to protect your trip to Australia, our Inbound Plan may be suitable for you. To find out more, read our Inbound Plan page and consult the PDS for details on our Inbound COVID-19 benefits.

Ready to cover your Australian trip? You can generate a quote online now.

 

Tip: Consider purchasing our Domestic Comprehensive+ Plan at least 21 days before your departure date if you’re looking to buy travel insurance with some COVID-19 coverage for events arising before and during your Australian holiday.


Why should I choose to travel with Cover-More travel insurance?

You can trust our Cover-More team to support you with more than COVID-19 travel insurance benefits. Our customers choose to travel with us by their side because we provide:

 

…and more. To learn more about us and our cover, visit our Cover-More Australia About Us page and read about our most popular benefits here.

 

FAQs about our Cover-More COVID-19 travel insurance cover

Good news: We’ve answered common questions about our Cover-More COVID-19 cover over on our COVID-19 FAQs.

If you can’t find the answer to your general question on this page, you can call our friendly team on 1300 72 88 22 or speak with them via Live Chat during Australian business hours.

 

Eager to travel again?

Find out how much it costs to protect your international or domestic trip with our travel insurance.

 
 
 

 

*Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits, please read our Product Disclosure Statement (PDS) document.
~Medical cover will not exceed 12 months from onset.
#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.
^A special excess will apply to COVID-19 claims under the Amendment or Cancellation and Additional Expenses sections of the policy. If you make a claim that falls under both sections, the higher special excess will be deducted. The special excess applies in addition to any other applicable excess. You cannot remove this special excess.

The information contained on this page is indicative and for illustrative purposes only to help provide information regarding likely coverage under the relevant terms and conditions of a policy. The information relates to policies sold on or after 20 April 2022, is correct at the time of writing on 8 April 2022, and may change at any time, so be sure to check here regularly for updates. For definitive confirmation for your situation, you will need to submit a claim for consideration via our online claims portal.