Cover-More Travel Insurance Review - Your guide to coverage, pricing, claims and more

Travel should be all about adventure, discovery and making memories, but sometimes unexpected events can disrupt your journey. That’s where travel insurance can come to the rescue, offering financial protection and support when things go awry.

One of Australia’s most well known providers, Cover-More offers a range of policies to suit different needs. In this guide, we’ll explore Cover-More’s travel insurance policies, breaking down coverage, cost, and exclusions of their international plans. We’ll also touch on Wise, a useful travel companion that can help your money go further overseas by saving on foreign transaction fees.

What is Cover-More Travel Insurance Australia?

Cover-More Australia is a travel insurance provider that’s underwritten by Zurich Australia. Their policies are largely designed for Australian residents, offering coverage for single international and domestic trips, as well as an annual multi-trip policy. They also offer inbound insurance for people coming to visit Australia.

Cover-More Travel Insurance Eligibility

To be eligible to hold a single or multi-trip insurance policy for domestic or international travel, Cover-More Australia only stipulates that you need to be an Australian resident.¹

Types of Cover-More insurance packages available

There are three international travel insurance packages available from Cover-More which can be purchased as a single trip or annual multi-trip policy.¹

• International Basic is a budget friendly plan that provides cover for the essentials like emergency medical.
• International Comprehensive is Cover-More’s middle tier plan, offering comprehensive travel insurance coverage.
• International Comprehensive+ is the highest level of cover available, featuring increased benefit limits and extra perks for business travellers.

Cover-More Travel Insurance Plans

Which plan is best for you will depend on factors like what level of medical and travel coverage you want, your budget and any limits or exclusions that could be deal breakers. Let’s take a look at each of these in more detail.

Cover-More travel insurance medical coverage

Starting with medical coverage, here are some of the core benefits and total limits for each policy on offer from Cover-More.¹

Cover-More travel insurance travel-related coverage

Aside from medical coverage, travel insurance policies can also offer protection against the impact that unexpected travel events can have. Here are some of the things that can be covered by travel insurance and what each of the Cover-More policies offers, keeping in mind that sub-limits may apply.¹

Cover-More Travel Insurance price

The cost of travel insurance generally depends on your individual circumstances and travel plans, with the destination, trip length, your age, pre-existing conditions, level of coverage, the excess and add ons all being factors that can shape the price.

To give you an idea of what a Cover-More travel insurance policy costs, here’s what a 35 year old taking a two week holiday to these destinations would pay for single trip insurance with a $250 excess.²

To get an idea of what coverage for your trip would cost, you can always get an up to date quote from the Cover-More website.

Cover-More policy exclusions

Most travel insurers, including Cover-More, have a list of policy exclusions which can be found in the Policy Disclosure Statement (PDS). Here’s some of the things Cover-More travel insurance doesn’t cover.³

• Claims arising related to your impairment from drinking too much alcohol
• Participating in certain activities including free climbing, BASE jumping, hang gliding and scuba diving without a qualification or instructor
• Skiing, snowboard or snowmobiling without the added cover
• Moped or motorcycle riding without the added cover
• Going on a multi-night ocean cruise without the added cover
• Existing Medical Conditions unless it is a condition automatically covered by Cover-More, or was explicitly accepted in writing
• Childbirth and the care of the newborn
• Loss or damage caused by detention, confiscation or destruction by Customs

Add-ons for Cover-More insurance plans

Cover-More has seven policy add-ons available which can be purchased for an additional fee to expand your coverage for certain activities. ¹

• Adventure Activities Cover
• Adventure+ Activities Cover
• Motorcycle/Model Riding Cover
• Motorcycle/Model+ Riding Cover
• Snow Sports Cover
• Snow Sports+ Cover
• Cruise Cover

Is there Cover-More Cruise insurance?

Cover-More offers cruise ship insurance as an add-on to their travel insurance plans for an additional premium.⁴ It’s needed if you’re going to be cruising for two or more nights on the open ocean, but not if you’re doing a river cruise in Australia or aboard.

These are the total additional benefits that come with Cover-More Cruise Cover.

You’ll notice that like the standard policies, the cancellation benefit is something you get to choose.

What is Cover-more Cancellation Cover?

Cover-More offers a variable level of cancellation cover for their policies, chosen by you. It’s there to help when you need to cancel something that’s non-refundable and has no other way to be recovered, such as pre-paid flights, accommodation, tours, transportation and cruises.

For Comprehensive and Comprehensive+ customers there’s also the option to buy Cancellation Plus Cover. The main benefit of buying this add-on is it gives coverage to a wider number of cancellation reasons than the standard policy, including simply changing your mind.

Something to be aware of though, is there are some events where you have no cancellation cover no matter what options you chose. For example, if you're not able to go on your trip due government border closures for non-essential travel or you cancelled within 48 hours of the trip departure date, there’s no cover.

How to make a Cover-More Insurance Claim

There are two ways to submit a Cover-More insurance claim; online and by mail.⁵

To submit a claim online go to the online claims portal and follow the prompts. To complete the process you’ll need to submit documents that support your claim or indicate that you’re waiting for some supporting documentation to be provided. This could include things like police statements, receipts, doctors reports, a travel itinerary, and documentation from a transport provider like an airline.

If you can’t use the online portal then you can submit your claim via mail using the Cover-More travel insurance claim form. Here’s what should be included in the package sent to them.

• Customer claim form
• Medical form (if relevant)
• Originals of any supporting documentation

Once your claim is submitted expect to hear back from Cover-More within 10 business days.

How to cancel a Cover-More Insurance Claim

If you need to cancel your claim you can reach out to Cover-More via email or phone to speak to someone who can help. It’s best to check their site for the latest contact details as these can change over time.

Travelling somewhere? Safeguard yourself from hidden fees with Wise.

Traveling with peace of mind starts with the right insurance. Once you’ve got your travel insurance lined up, it’s time to work out the best way to spend when you’re overseas. Meet the Wise account and card.

Open a Wise account online or in the Wise app, add money in AUD right from your bank account, and switch to any of the supported 40+ currencies with the mid-market exchange rate. That can mean you save significantly compared to using your bank, as you’ll avoid foreign transaction fees and rest assured you’re getting one of the fairest exchange rates out there along with low, transparent fees. You’ll also be able to get a linked Wise card to use for contactless payments, add your card to a wallet like Apple Pay, or make ATM withdrawals when you need cash.

No matter where you’re headed, take Wise with you, and save up to 7x when you spend internationally.

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Savings claim based on our rates vs. selected Australian banks and other similar providers in Jan 2025. To learn more, please visit https://wise.com/au/compare

Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Sources last checked on date: 6 March 2025