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International Travel Insurance for Australians

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Protect your overseas trip with international travel insurance

Planning an overseas trip? Don’t forget to pack the one important item that can help ensure extra peace of mind while you’re travelling abroad – an international travel insurance policy.

At Cover-More, we provide Australian residents with travel insurance for international trips to help protect against an array of unforeseen complications – from unexpected injury or illness to travel delays, lost luggage, and more.

Whether you are a frequent traveller, seeking the most comprehensive cover or on a budget, you can compare our plans to find the best international travel insurance for you. After all, taking out a policy could save you and your family on overseas medical bills, emergency evacuation costs and/or other unforeseen expenses.

 
 

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What is international travel?

International travel is any travel that takes you out of Australia. This could be for work, a personal holiday, or to visit relatives who live overseas.

It might be an island escape to Fiji, a snowboarding trip to Japan, a backpacking trip through Europe, or a cruise in the South Pacific. Whether you’re taking a short trip or are travelling for an extended period, protecting your trip with international travel insurance for Australians is important.

 

Why do I need international travel insurance?

It’s important to consider protecting your trip abroad with the right level of travel insurance for you.

From minor mishaps to major emergencies, international travel insurance may help offer financial protection when things go wrong – and could even help get you back home if need be.

Worldwide travel insurance can provide cover for incidents such as:

  • Overseas emergency medical and dental costs – which can be extremely expensive in many countries
  • If your luggage is lost, stolen, or delayed
  • Missed flight connections or travel delays

…and more.

With international travel insurance you can worry less and travel more, knowing you’ve got protection if something goes wrong.

 

What international travel insurance plans does Cover-More offer?

At Cover-More, we offer three different international travel insurance plans. You can choose the plan that suits the level of cover you require – and your budget.

  1. International Comprehensive+: our most comprehensive international travel insurance for Australian travellers with our highest benefit levels, plus extra business-related benefits included for business travel.
  2. International Comprehensive: our mid-tier comprehensive plan with excellent benefits and coverage levels for travellers who want comprehensive cover for their trips abroad.
  3. International Basic: our base-level insurance plan with essential benefits – including $Unlimited~ overseas medical expenses – for Australian travellers on a budget.

If you’re a frequent traveller, our International Comprehensive+ and International Comprehensive Plans can be purchased as an Annual Multi-Trip policy. This provides cover for unlimited trips (up to the maximum duration per trip you choose) to your selected destinations over a 12-month period.

 

What does Cover-More international travel insurance cover?

If you travel overseas as a Cover-More international travel insurance policyholder, you can have extra peace of mind knowing we’ll be here to help if something goes wrong.

Check out some of the benefits below. Each plan has different benefits so consider carefully what your needs may be.

Each of our three international travel insurance plans for Australian travellers have some benefits that differ and the benefit coverage amounts can vary. You can compare our plans below to find the best international travel insurance plan for you:

International Basic
(Single Trip)
International Comprehensive
(Single Trip or Annual Multi-Trip)
International Comprehensive+
(Single Trip or Annual Multi-Trip)
Overseas Medical and Dental Expenses
Overseas medical expenses
$Unlimited~ $Unlimited~ $Unlimited~
Overseas emergency dental expenses
$2,000 $2,000 $2,000~
Additional Expenses*
$Unlimited $Unlimited $Unlimited
Return of mortal remains
$25,000 $50,000 $60,000
Pet cat or dog boarding*
$Nil $300 $300
Travel Services Provider Insolvency
$Nil $5,000 $10,000
Amendment or Cancellation Costs*
$Cover chosen^ $Cover chosen^ $Cover chosen^
Cancellation Extensions
Upgrade: If your non-travelling relative or business partner becomes ill, injured, or dies
X
Upgrade: If there are complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy)^^
X
An act of terrorism
X
If your pet cat or dog becomes ill or injured or dies
X
Wedding-related cancellation
X
Dissolution of your relationship with your spouse or de facto
X
Luggage and Travel Documents*
$5,000 $15,000 $25,000
Phone or smart watch - limit per item•
$1,000 $1,500 $2,500
Camera or video camera - limit per item•
$3,500 $4,000 $6,000
Laptop computer - limit per item•
$3,000 $4,000 $5,000
Tablet computer - limit per item•
$3,000 $3,000 $3,000
Drone (with or without camera) - limit per item•
$1,000 $1,200 $2,000
Artificial limb, removable dental appliance, dentures or medical device e.g., hearing aids, CPAP machine - limit per item•
$1,000 $1,200 $1,500
Jewellery or watch or any other item - limit per item•
$1,000 $1,200 $1,500
Delayed Luggage Allowance*
$600 $1,100 $1,500
Money
$Nil $250 $500
Driving Holidays
Rental vehicle insurance excess
X $5,000 $5,000
Rental vehicle comprehensive cover
X X
Travel Delay*
$Nil $2,000 $3,000
Resumption of Journey
$Nil $3,000 $6,000
Missed Connections
$Nil $3,000 $3,000
Special Events
$Nil $5,000 $6,000
Hospital Incidentals*
$Nil $6,000 $10,000
Hijacking*
$Nil $5,000 $10,000
Loss of Income*
$Nil $30,000† $45,000†
Disability
$Nil $25,000† $30,000†
Accidental Death
$Nil $25,000† $30,000†
Personal Liability
$1,000,000 $2,500,000 $5,000,000
Business Pack
Business equipment
X X $7,500
Business equipment hire
X X $1,500
Alternative staff
X X $15,000
Business money
X X $2,000
Kidnap and ransom
X X $250,000
Cruise Cover
Cruise cancellation
$Cover Chosen^
On-board medical and dental cover
$Unlimited
Ship to shore medical cover
$Unlimited
Sea sickness cover
$Unlimited
Cabin confinement
$100 per day - up to a maximum of $1,500
Missed port (embarkation)
$1,000
Missed shore excursions
$1,000
Adventure Activities Packs
Included activities
See PDS for full details
Adventure Activities
Option to vary cover
Adventure+ Activities
Option to vary cover
COVID-19 Benefits
See PDS for full details
Motorcycle/Moped Riding Cover
Motorcycle/Moped Riding Cover
Option to vary cover
Motorcycle/Moped+ Riding Cover
Option to vary cover
Snow Sports Cover
Snow Sports Cover
Option to vary cover
Snow Sports+ Cover
Option to vary cover

* Sub-limits apply. Please refer to the PDS for full policy conditions.
** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.
^ Cover chosen applies per policy.
^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.
Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.
Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See PDS for full details.

For full details on the terms and conditions, sub-limits, and exclusions you should consider before you purchase, read the PDS. You can also get a free quote online now.

 

How do I know which Cover-More international plan is right for me?

You can compare our worldwide travel insurance plans above to find the one that best fits your travel requirements and budget. We recommend you also read the Product Disclosure Statement before purchasing to understand what you are – and aren’t – covered for under our plan.

If your trip includes a multi-night cruise you need to tell us and Cruise Cover will be added to your policy. An additional premium applies.

As a Cover-More customer, you can also vary your cover to fit your individual requirements for an additional premium by:

  • adding a suitable level of amendment and cancellation cover; some plans include a cancellation extension upgrade that provide extra cover for non-travelling relatives or business partners and pregnancy;
  • adding our Snow Sports or Snow Sports+ Cover to your policy if your winter holiday includes snow skiing, snowboarding, and/or snowmobiling;
  • including our Adventure Activities or Adventure+ Activities Cover if you’re planning on engaging in activities not automatically included in our plans;
  • adding Motorcycle/Moped Riding Cover or Motorcycle/Moped Riding+ Cover if you’re planning on driving or riding motorcycle or moped while aboard.

Got questions? Call our team on 1300 72 88 22 during business hours.

Ready to purchase? All Cover-More policyholders are covered by a 21-day cooling-off period**, which means we can refund you for the cost of your policy should you change your mind within this period.

 

Why should I consider Cover-More travel insurance?

At Cover-More, we encourage all international travellers to consider taking out worldwide travel insurance as part of their holiday preparation – because you never know what might happen while you’re away.

Our customer Katie-Anne was involved in a car accident while on a trip in the United States of America. Our Cover-More team was there to help in her time of need – liaising with medical staff, paying for hospital bills, and making sure that Katie-Anne and her partner Jacob had the emotional support they needed. We also paid Katie-Anne's overseas medical expenses claim, which ended up totalling over $900,000.

Watch as she shares her heartfelt story:

Want us to safeguard your overseas holiday?

Discover our best international travel insurance plan for you.

 
 
 

The information on this page relates to the Direct Cover-More travel insurance product effective 29 September 2021.

** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.