Travelling internationally is an incredible experience, but if you become unwell while you’re overseas, your trip can quickly turn it into a nightmare.
Whether you find yourself with a case of Bali belly, accidently slip and break your ankle, are involved in an accident, or more, our Cover-More team is here to help when you need us most.
If you’re ready to protect yourself with Cover-More travel insurance cover while you’re abroad, get a free quote online or call us on 1300 72 88 22.
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Travel insurance that includes overseas medical and emergency dental cover can help you pay for overseas medical or emergency dental expenses that occur during your trip.
If you encounter costs related to an unexpected illness, injury or medical condition that's covered by your travel insurance while you’re travelling, the travel insurance provider may reimburse you for the costs incurred, up to the plan limits on your policy.
Overseas medical and dental cover is one of the most essential benefits of travel insurance. Accidents and injuries can happen – and if you need emergency medical or dental care while overseas, the costs of medical bills can quickly add up.
A travel insurance plan that offers overseas medical and dental cover will help you travel with peace of mind knowing that you’ll be supported if something does go wrong.
Yes, all our international travel insurance plans offer overseas medical and overseas emergency dental cover to help protect our customers while travelling aboard.
If, during the period of insurance, you suffer a disabling injury, sickness, or disease, overseas cover is provided for the usual and customary cost of medical treatment and ambulance transportation provided outside Australia by or on the advice of a qualified medical practitioner.
Cover is also provided for 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 for overseas medical expenses will not exceed 12 months from the onset of the illness, condition, or injury and does not include cover whilst in Australia.
The maximum benefit limit for our overseas medical and emergency dental benefits are:
|Benefit||International Basic||International Comprehensive||International Comprehensive +|
|Overseas Medical Expenses||$Unlimited~||$Unlimited~||$Unlimited~|
|Overseas Emergency Dental||$2,000||$2,000||$2,000|
~Cover will not exceed 12 months from the onset of the illness, condition, or injury.
Our team at Cover-More provides expert emergency assistance when you need it the most.
All Cover-More policyholders can access our 24/7 global assistance team by calling the below toll-free numbers depending on their location:
Our dedicated team of doctors, nurses, case managers and travel agents can provide you with the following services:
To access our support, 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.
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.
Want to learn more about the benefits we can offer? Visit our travel insurance benefits page.
Travel insurance is designed to cover unforeseen incidents, illness, and injury; it cannot cover everything.
If you’re considering protecting your overseas trip with our Cover-More travel insurance benefits, there are conditions, limits, and exclusions related to our overseas medical and emergency dental cover you need to be aware of.
For example, our cover does not include cover for any medical or dental treatment provided in Australia, continuation or follow up treatment that started prior to your journey or routine medical visits, amongst others.
We also don't cover dental expenses involving the use of precious metals, whitening, or involving cosmetic dentistry or routine dental treatment.
Please refer to the PDS for full details on what overseas medical and dental travel insurance expenses we will and won’t cover.
Yes, our Cover-More travel insurance plans can automatically include cover for a range of existing medical conditions, but we can’t cover absolutely everything. Find out more here.
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The information on this page relates to the Direct Cover-More travel insurance product effective 29 September 2021.