Finder makes money from featured partners, but editorial opinions are our own.
Cover-More Travel Insurance
Our verdict: A flexible policy means you can pick your own cancellation cover and excess, but you might need some add-ons to make sure you've got enough cover.
How does Cover-More Travel Insurance cover COVID-19?
Cover-More offers some cover for COVID-19 to help protect you from unforeseen expenses. The key benefits covered include:
COVID-19 overseas medical costs
Cover for COVID-19 amendments and cancellation costs
Cover for COVID-19-related additional expenses
Cover-More's cover for pandemic-related expenses is limited, however, and there are some things that are excluded altogether, including:
Government border closures, lockdowns or quarantine
Mandated COVID-19 tests
Close contact with a person diagnosed with COVID-19
Cruise cabin confinement costs related to COVID-19
If you're worried about unexpected pandemic-related expenses ruining your travel plans, we've compared providers that offer some cover for COVID-19 here.
What do Australians think of Cover-More travel insurance?
3.99/5 overall for Customer Satisfaction — lower than the average of 4.26, and this was the lowest score in the category
4.34/5 for Trust — lower than the average of 4.57
3.92/5 for Customer Service — lower than the average of 4.2, and this was the lowest score in the category
Cover-More has 6 main plans available: International Basic, International Comprehensive, International Comprehensive+, Domestic Basic, Domestic Comprehensive and Domestic Comprehensive+.
All of the Comprehensive and Comprehensive+ plans are available as a Single Trip or Annual Multi-Trip policy. Non-Australian residents travelling to Australia also have the option of a Cover-More Inbound plan.
This insurance is administered by Cover-More Insurance Services Pty Ltd and the issuer of insurance is Zurich Australian Insurance Limited (ZAIL).
The cooling-off period is 21 days which means if you change your mind and haven't made a claim, you can cancel the policy within this period and receive a full refund. If you're travelling internationally, you can choose your own excess. This is the amount you're required to pay when you make a claim, and generally, the higher your excess, the lower your premium will be.
Here's a breakdown of Cover-More Travel Insurance features
Here are some of the features that Cover-More will cover you for if things don't go according to plan on your trip. Some of these inclusions are only available for certain levels of cover (e.g. a comprehensive plan versus a basic one).
Accidental death
Amendments or cancellation costs
Delayed luggage allowance
Disability
Personal liability
Loss of income
Luggage and travel documents
Overseas medical and dental expenses
Rental vehicle insurance excess
Resumption of journey
Optional add-ons
For more flexibility, Cover-More Travel Insurance gives you the option to add extra cover to your policy. This allows you to tailor the policy to suit your holiday, so you pay for the things you need and ignore the ones you don't. Conditions still apply, so make sure to review the Product Disclosure Statement (PDS) in full before purchasing.
Cruise cover can cover you for claims relating to a cancelled cruise or incidents that occur while on a cruise.
Increase your luggage item limits by paying an additional premium to protect any items that are valued above the policy limits.
Adventure activities are covered up to a certain degree, but if you're planning anything that could be considered risky, you can bump up the level of cover.
Snow sports such as skiing, snowboarding and snowmobiling are excluded unless you purchase an add-on.
Motorcycle/moped riding (as the driver or pillion passenger) can be added, provided you hold a valid licence and wear a helmet.
Exclusions
All travel insurance policies have exclusions and Cover-More is no different. Your Cover-More policy won't provide any cover for a variety of events and circumstances. These include:
If your claim arises because you participate in any extreme sports or activities not covered in your policy
If your claim arises from pregnancy after the start of the 24th week
If your claim involves motorcycling or moped riding as a driver or pillion passenger and you don't have the add-on
Read the Cover-More Travel Insurance PDS for a more detailed list of exclusions and restrictions.
How to make a Cover-More Travel Insurance claim
The easiest way to make a claim is with Cover-More's online claim tool by following these steps:
Head to https://claims.covermore.com.au/
Enter your full name and policy number to log in
Describe the incident and provide expenses
Upload any necessary documents to support your claim
Submit, and you should receive a response within 10 business days
Here's the bottom line about Cover-More Travel Insurance
With 6 main plans to choose from and the ability to choose your own cancellation and amendment cover, Cover-More Travel Insurance should hit the mark for many types of travellers. Unlimited overseas medical expenses and additional expenses are nice-to-haves that you don't see with every insurer.
Cover-More's cover for motorcycle riding, pregnant travellers and some serious medical conditions is limited, however, and may not suit depending on what you have planned. Make sure to review the policy documents before committing so you'll be covered when you need it.
Cover-More requires any claim to be lodged within 60 days of the policyholder's return home.
Yes, in the event that you want to extend your trip, you must purchase a new policy prior to the expiry of the original policy.
There is no limit on the number of children that can be covered under Cover-More Travel Insurance policies, but accompanying children must be either your children or grandchildren, under 21 years of age and not engaged in full-time work.
Cover-More Travel Insurance will not pay claims arising from any professional sporting activity. A full list of the sports and other activities that Cover-More Travel Insurance will cover can be found in the product disclosure statement.
Was this content helpful to you?
Thank you for your feedback!
To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
Bitget is a fully-featured crypto exchange, but how does it actually measure up?
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.