Cover-More Travel Insurance offers Australians high-quality cover within its comprehensive plan, including unlimited medical cover that extends to Covid-19. While dental isn’t included in the unlimited medical cover, it is still covered up to $2,000. Plus, Cover-More provides automatic cover for nearly 100 sports and activities, making it a great choice for the adventurous traveller.
Pros
- Unlimited medical cover
- Maximum age limit of 99 years of age
- Automatic cover for nearly 100 sports and activities
Cons
- Snow, cruise and adventure cover cost extra
- Dental not included in unlimited medical cover
- No online discounts
Table of Contents
About Cover-More Travel Insurance
Cover-More Travel Insurance is part of the Zurich Insurance Group, with the Australian Cover More Travel Insurance policies underwritten by Zurich Australian Insurance Limited. Cover-More was established in 1986 in Sydney, and claims to protect more than 15 million travellers per year with its policies.
The company has won numerous industry awards over the years, and its comprehensive policy has received a 3.3 star ranking from 2843 customer reviews on Australia’s leading consumer review site, ProductReview.
Featured Partners
1
Fast Cover Travel Insurance
Medical cover
Unlimited, 24/7 Emergency Assistance
Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
2
Cover-More Travel Insurance
Covid Cover?
Yes
Maximum age limit?
99 years old
Lost luggage cover?
Yes, up to $15,000
3
Southern Cross Travel Insurance
Medical Cover
Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs
Cancellations
$2,500 with option to increase to unlimited
What Is Covered by Cover-More
Cover-More’s Comprehensive Travel Insurance policy is available for travellers up to 99 years of age, subject to meeting the acceptance criteria. Dependent children are also automatically included up to 21 years of age, provided they are financially dependent and are not in full time employment–making this policy a good choice for family holidays.
While Cover-More doesn’t state a maximum amount of credit card fraud it will cover in its comprehensive plan, it does say that it will repay the legal liability of illegal use and also provide a replacement. As for personal liability, this is covered up to $2.5 million.
Additionally, missed connecting flights are covered up to $3000, and there is cover for hire car excess up to $5000 as well. Cancellations are also covered, with the amount chosen by the customer upon taking out the policy.
Lost luggage
Yes, the Cover-More Comprehensive Travel Insurance policy includes lost luggage cover up to $15,000. Sub limits apply; however, item limits can be increased when taking out the policy if required.
Medical
Cover-More’s Comprehensive Travel Insurance policy comes with unlimited medical cover. This includes COVID-19 (as explained below) and some pre-existing medical conditions.
There are 32 conditions that are automatically covered in Cover-More’s policy, provided they meet certain criteria. These conditions include epilepsy, asthma, coeliac disease and more.
Other medical conditions require an assessment to determine whether cover will be provided, and may incur an additional premium on the policy. Cover-More urges policyholders to disclose all medical conditions upon taking out a policy to ensure the correct level of cover is provided throughout the trip.
Is Dental Cover Included in Medical?
Dental is not included in Cover-More’s unlimited medical cover. However, policyholders are covered for dental costs up to $2,000.
Does it cover me for COVID?
Yes, Cover-More includes Covid-related medical expenses within its unlimited medical cover. There is also cover up to $5,000 for trip cancellations due to Covid, and additional expenses–such as emergency accommodation if required to isolate–are covered up to $2,500.
Related: Are You Covered for Covid?
What About Pregnancy?
When it comes to pregnancy, a single-child pregnancy is automatically covered with Cover-More’s comprehensive plan. For multiple babies, or if the pregnancy was IVF-assisted, policyholders must apply for extra cover upon taking out the policy.
The pregnancy cover that Cover-More provides is only up to week 24 of the pregnancy, and only for serious and unexpected complications. Childbirth is not covered.
What about Sports and Activities?
Cover-More provides its customers with plenty of choice when it comes to cover for sports and activities on their holiday. Automatically included in the travel insurance policy are 96 different activities, which range from windsurfing and swimming with dolphins to paint balling and archery.
Some activities that are automatically included come with extra conditions in order to be covered, such as hiking/trekking only up to 2000 metres, and hot air ballooning as a passenger through an organised activity only.
Cover-More adds that all activities listed within its 96 automatic-inclusions must be undertaken recreationally and in a non-professional capacity, with certain limits and sub-limits applying.
For travellers looking for travel insurance that covers other sports and activities outside of the 96 listed, Cover-More provides optional add-ons at an extra cost. This includes adventure activities, snow packs and cruise cover.
Customer Service
Cover-More offers its customers 24/7 emergency assistance via a dedicated overseas medical and emergency assistance team known as Cover-More Assist. Policyholders can contact Cover-More Assist by calling +61 2 8907 5619 from anywhere in the world.
There is also a general customer service phone line, and a separate claims line. Alternatively, customers can choose to submit claims online via the Cover-More website.
Frequently Asked Questions (FAQs)
Is there a discount for Cover-More Travel Insurance?
No. At the time of writing, there are currently no online discounts for Cover-More Travel Insurance.
Cover-More does frequently run promotions for its customers (such as the chance to win a $2,000 Visa giftcard or 15% off your policy), with these promotions and deadlines found online at the Cover-More website.
Does Cover-More Travel Insurance cover Covid-19?
Yes, Cover-More’s Comprehensive Travel Insurance policy includes cover for Covid-19. As Cover-More offers unlimited medical cover, COVID-19 related medical needs are included within this.
There is also cover up to $5000 for trip cancellations due to Covid, and additional expenses that incur due to contracting COVID-19 are covered up to $2500.
Is Cover-More Travel Insurance good?
Forbes Advisor compared a wide range of travel insurance policies to find the best choices for Australians. Cover-More Travel Insurance was rated 4.5 out of 5 stars by Forbes Advisor, and also has a 3.3 star ranking from 2,843 customers on independent site, ProductReview.
It is considered a good travel insurance option for Australians, largely due to its unlimited medical cover–which includes Covid coverage–and its many automatically included sports and activities.
Where Can I Find The Cover-More Policy Document?
Cover-More offers a range of different travel insurance policies to Australians, each with differing product disclosure statements (PDS) outlining their inclusions and limitations. The comprehensive plus policy’s PDS can be found here, while the standard comprehensive offering’s policy document can be found here.
For all PDS’ from Cover-More, including its domestic travel insurance offering, you can find them online on the Cover-More website.
Who underwrites Cover-More Travel Insurance?
Cover-More travel insurance is underwritten by Zurich Australian Insurance Limited.
How do I contact Cover-More Travel Insurance?
For general enquiries, Australians can contact Cover-More Travel Insurance by calling 1300 72 88 22.
For policy holders requiring emergency assistance, you can call Cover-More Assist 24/7 from any country on +612 8907 5619.
To make a claim over the phone, policyholders should call 1300 36 26 44.
Complaints can be made via the general enquiries line, by submitting a form online, or emailing customerrelations@covermore.com.au.
Does Cover-More offer domestic travel insurance?
Yes. Along with Cover-More’s comprehensive offering, as reviewed above, the travel insurance provider also provides plans for those travelling domestically.
Cover-More’s domestic plan made it onto Forbes Advisor Australia’s list for our pick of the Best Domestic Travel Insurance, scoring 4 stars out of 5.
From our review, we found that the Cover-More Domestic policy is available for all ages up to 99 years, subject to acceptance criteria such as pre-existing medical conditions. Delays are covered up to $1000, missed connections are also covered up to the value of $2000, and the value of cancellation cover is chosen by the customer.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
