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Travel Insurance for Overseas Medical and Dental Expenses

medical treatment in hospital

Protect yourself from unforeseen medical bills on your trip abroad

Taking an international holiday is an exciting time in your life but becoming unwell while overseas can quickly turn it into a nightmare.

Whether you find yourself with a case of Bali belly or are involved in an accident, our Cover-More team is here when you need us most. All of our international plans can provide cover for unforeseen overseas medical and dental expenses, but please refer to our full PDS for all the relevant information.

Protect yourself and your health while abroad. Consider our travel insurance policies so you can travel with peace of mind. Get a free quote online or call us on 1300 72 88 22 to see how affordable it can be.

Want to learn more about the benefits we can offer? See our travel insurance benefits page today!

Emergency assistance when you need it

All Cover-More policyholders have access to our 24/7 global assistance team by calling +61 2 8907 5619. Our dedicated team of doctors, nurses, case managers and travel agents can provide the following services to all Cover-More customers:

  • Help you find a medical facility and monitor your medical care
    We can help you find an English-speaking doctor while abroad or assist in finding a nearby hospital.
  • Paying bills
    Becoming ill overseas can be expensive so those significant medical expenses can be paid by Cover-More directly to the hospital if your claim is approved. You, or someone on your behalf, should phone our emergency assistance team as soon as possible if you require hospitalisation, if your medical expenses will exceed $2,000 or if you want to return early.
  • Keep you travelling or getting you home
    Our team can decide if and when it is appropriate to bring you home and will coordinate the entire exercise.
  • Help if passports, travel documents or credit cards are lost
    If you need assistance in contacting the issuer of the document, our emergency assistance team can help.
  • Help to change travel plans
    If your travel consultant is not available to assist with rescheduling in an emergency, our team can help.

Certain services are subject to your claim being approved. Where your claim is excluded or falls outside the policy coverage, the giving of emergency assistance will not in itself be an admission of liability.

The medical standards, sanitary conditions, reliability of telephone systems and facilities for urgent medical evacuations differ from country to country. Responsibility for any loss, medical complication or death resulting from any factor reasonably beyond our control cannot be accepted by us.

Our overseas medical and dental expenses benefit

Are you wondering about what we consider “disabling injury, sickness or disease”? Read our definition below to find out.

“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.

If during the period of insurance, you suffer a disabling injury, sickness or disease, we will pay the usual and customary cost of medical treatment and ambulance transportation provided outside Australia by or on the advice of a qualified medical practitioner. This cover also includes the usual and customary cost of emergency repatriation or evacuation. In all cases, the cost of evacuation or to bring you back to Australia will only be met if your claim is approved by us and it was arranged by and deemed necessary by our emergency assistance network.

Cover is provided for a maximum of 12 months from the date of suffering the disabling injury, sickness or disease and does not include cover whilst in Australia.

The maximum benefit limit for this section is:

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

*Combined limit of Section 1 and 2.

We will not pay for:

  1. Medical treatment, dental treatment or ambulance transportation which is provided in Australia.
    This exclusion does not apply to medical treatment provided whilst on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters. However, this additional benefit does not apply to any medical treatment provided on Australian inland waterways or whilst the ship is tied up in an Australian port.
  2. Dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue; involving the use of precious metals; or involving cosmetic dentistry.
  3. The continuation or follow-up of treatment (including medication and ongoing immunisations) started prior to Your Journey.
  4. Routine medical or dental treatment or prenatal visits.
  5. Medical treatment, dental treatment or ambulance transportation which is provided in Your country of residence.
  6. 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.

Please also refer to our general exclusions and policy conditions.

Do you need cover for your existing medical condition? Find out more here.

Cover-More provides a range of options to choose from so you can protect yourself from unforeseen expenses. Discuss coverage for your next trip by calling our customer service team on 1300 72 88 22 or get a free quote online.

Visit our travel insurance benefits section to learn more.


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