COVID-19 NOTICE: Travel restrictions and social distancing rules may remain because of the global coronavirus pandemic. Because of this, the below content may reference activities travellers cannot currently partake in and therefore is for informational purposes only. For the latest information on COVID-19 and travel restrictions, please visit trusted sites such as smartraveller.gov.au.
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.
Skip to read:
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.
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:
…and more.
With international travel insurance you can worry less and travel more, knowing you’ve got protection if something goes wrong.
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.
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.
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.
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:
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.
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:
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.
