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Medical and Dental Cover in Australia for Inbound Travellers

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Protect yourself against the unexpected when visiting the Land Down Under

As a traveller from overseas visiting Australia, we hope your itinerary includes seeing many of our striking local attractions. However, you could become sick or injured while travelling that could turn your holiday plans upside-down.

Thankfully, we’re here to help prevent unforeseen sickness or injury leaving you strapped for cash during your Australian holiday, with our Inbound Travel Insurance Plan available to non-Australian residents. Our medical and dental expenses benefit in Australia is included in Cover-More’s Inbound Policy and is only available to people who are not eligible for cover under Medicare.

If you’re a non-Australian resident and suffer from a disabling injury, sickness or disease when you travel to Australia from an overseas destination on Cover-More’s Inbound Plan, we can provide cover for expenses up to the amount of $1,000,000.

Want more details on this cover? Take a look at our full PDS to find out exactly what’s covered and what’s not – because unfortunately we’re unable to cover absolutely everything.

Read the information below detailing our current medical and dental expenses in Australia coverage, effective31 March 2021.

Considering our Inbound Policy but want more information? See our FAQs about Inbound Travel Insurance or chat to us via the Live Chat function on our website.

Get a quick quote online to see how affordable Inbound travel insurance to Australia can be!

Understanding our Inbound Plan medical and dental benefit

Considering Cover-More travel insurance and not sure if this benefit applies to you? Our coverage for medical and dental expense that occur in Australia only apply if you have purchased our Inbound Plan, you are a non-Australian resident, and you are not considered eligible for health insurance in Australia under the 1973 Health Insurance Act.

Should the unthinkable happen and you require medical help during your trip to Australia that’s covered by our policy, Cover-More is here to help. If your you suffer a Disabling Injury, Sickness or Disease during your policy period, the plan provides cover for the usual and customary cost of medical treatment, emergency dental treatment and ambulance transportation that is provided in Australia by or on the advice of a qualified medical practitioner or dentist.

Cover will not exceed more than 12 months from the date you suffer the Disabling Injury, Sickness or Disease that requires qualified help.

Please note the maximum benefit limit for Cover-More’s medical and dental expenses benefit in Australia is:

Premium Plan No cover
Medical Only Plan No cover
Domestic Plan No cover
Domestic Cancellation Plan No cover
Inbound Plan $1,000,000

We will not pay for:

  • medical treatment, dental treatment or ambulance transportation provided outside Australia.
  • dental treatment involving the use of precious metals, teeth whitening or cosmetic dentistry.
  • the continuation or follow-up of treatment (including medication) started prior to your journey.
  • routine medical or dental treatment or prenatal visits.
  • medical treatment, dental treatment or ambulance transportation provided in Australia if you are an Australian resident or a non-Australian resident who is an eligible person within the meaning of the Health Insurance Act 1973 (Cth.
  • private medical or hospital treatment where public funded services or care is available, including medical or hospital treatment under any Reciprocal Health Agreement between Australia and the Government of any other country unless we agree to the private treatment.
  • medical treatment, dental treatment or ambulance transportation provided in your country of residence.
  • Please also refer to our General Exclusions and Policy Conditions.

    Our policy definitions decoded

    If you’re considering our Inbound Plan for your trip to Australia, it’s important to understand what we consider “Disabling Injury, Sickness or Disease”:

    “Disabling Injury, Sickness or Disease” means a disabling injury, sickness or disease that first shows itself during your period of insurance and that requires immediate treatment by a qualified medical practitioner or dentist.

    Do you wish to speak to the Cover-More travel insurance team about our Inbound Plan? Call us today on 1300 72 88 22 or use the Live Chat function on our website. If you’re ready to purchase, you can get a free quote online.

    See the benefits of travel insurance here!


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