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Log in to our customer portal using your name and Cover-More policy number.

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What can I do online?

You can review and edit the key elements of your travel insurance policy, including:

• Updating your traveller details
• Customising your policy inclusions
• Editing your trip dates
• Cancelling your policy

You can find the answers to FAQs here .

You can also call us on 1300 72 88 22 (we're here to help Monday to Friday 8am - 7pm, Saturday 9am - 4pm, and Sunday 10am - 3pm AEDT) or email us at [email protected] .

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.

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• Travel Insurance

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Cover-More Comprehensive Travel Insurance Review

Published: Mar 20, 2024, 2:42pm

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.

Related: Best Travel Insurance Providers for Australians

• Unlimited medical cover
• Maximum age limit of 99 years of age
• Automatic cover for nearly 100 sports and activities
• 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, what is covered by cover-more, does it cover me for covid, what about pregnancy, what about sports and activities, customer service.

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

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

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

Cover-More Travel Insurance

Covid Cover?

Maximum age limit?

99 years old

Lost luggage cover?

Yes, up to $15,000

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

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.

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.

Related: Review of Travel Insurance Saver Insurance

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?

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.

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.

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 [email protected].

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.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Life at Cover-More is caring, committed and packed with opportunity.

We’re there every step of a traveller’s journey..

We are here for travellers before, during and after they travel, keeping them safe, protected and cared for every step of their journey.

A global group with specialist capability in travel insurance, assistance and travel risk management.

Where we’ve come from: our australian heritage..

Global reach, personalised feel.

We are a global company where empathy and respect, diversity and inclusion are at our core.

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency Assistance
• Travel Alerts COVID-19 International Travel Tool Cover-More App
• Manage Policy
• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

FAQs About Cover-More Travel Insurance

Everything you want to know about our Cover-More travel insurance

Got a question about travel insurance and our Cover-More plans?

From how to contact us in an emergency or to speak to our policy sales team, to what to consider when choosing cover and how to make a Cover-More travel insurance claim, see below for the answers to our customers’ most asked questions.

Ready to protect your trip? You can get a free quote in minutes online.

If the answer to your question is not on this page, please contact our friendly Customer Service Team on 1300 72 88 22.

You might also find the answer to your question on these dedicated FAQs pages:

• Inbound Plan FAQs
• Domestic Travel Insurance FAQs
• Annual Multi-Trip Plan FAQs
• Adventure Travel FAQs
• Cruise Cover FAQs
• Snow Sports Cover FAQs
• Pregnancy Travel Insurance FAQs
• Senior Travel FAQs
• COVID-19 FAQs
• Managing Policy Online FAQs

Skip ahead to read frequently asked questions about:

• Cover-More travel insurance cover

Policy changes, refunds, and complaints

Destinations and plans, how can i contact cover-more travel insurance.

• General enquiries: 1300 72 88 22
• Emergency Assistance: +612 8907 5619  For toll-free assistance phone numbers in popular destinations, you can find all our Cover-More's emergency numbers here.
• Claims: 1300 36 26 44
• Complaints: you can submit a complaint via the online form on this page .

Cover questions

Will cover-more cover me for a one-way trip.

Yes, our policies can provide cover for one-way trips provided you are not staying for longer than 12 months.

Will Cover-More Travel Insurance cover me if I'm going overseas for over a year?

No. The maximum duration of our single trip policies are 12 months.

Cover commences at the time you leave your home and ceases at the time you return to your home.

Does Cover-More Travel Insurance offer Business travel insurance plans?

Travelling for business? Our Comprehensive+ Plan includes a Business Pack, which offers many benefits to business travellers, such as:

• Cover for the loss, theft, or damage of business equipment
• Business equipment hire in the event your equipment is lost, stolen or damaged
• Alternative staff replacement if you must return home because of an injury, sickness, or disease
• Kidnap and ransom cover
• Stolen business money cover

This Business Pack is available on both international and domestic policies under the Comprehensive+ Plan. See the PDS for policy limits, sub-limits, exclusions, and conditions that apply.

We also offer a dedicated Business Policy, which offers annual cover designed for business travellers who go away multiple times during the year. The policy:

• Can protect travellers up to 74 years
• Provides cover for an unlimited number of trips throughout the year up to the maximum duration you’ve selected
• Gives you the choice of 30, 60, or 90 days for the maximum duration of any one trip (the longer the duration you choose, the higher the premium)
• Provides protection where the destination is more than 250km from your home
• Includes up to six weeks of leisure travel during the year

To decide if this cover is suitable for you and your business travels, please consult the PDS .

To purchase our Cover-More Business Policy please contact our Customer Service team on 1300 72 88 22 or via the Live Chat feature on our website during Australian business hours.

How many accompanied children are allowed to travel on a Cover-More Travel Insurance policy?

There is no limit to the number of accompanying children on our leisure and business policies, if they are your own children or grandchildren, and they have the same itinerary as yourself.

Accompanying children are defined as your own children or grandchildren, who are identified on the certificate of insurance, travelling with you on the journey, under 21 years of age, financially dependent on you and not in full-time employment.

For Corporate Plans, six accompanying children can travel on the Corporate Policy as long as they are travelling with the policyholder, provided they are not in full-time employment, they are financially dependent on you, and they are under the age of 21 years.

Under our standalone Business Plan, there is no limit to the number of accompanying children. Read the PDS for full details and conditions.

Does Cover-More Travel Insurance provide cover for damage to my rental car?

We provide two different types of protection for rental vehicles:

• Rental vehicle insurance excess – available on our Comprehensive and Comprehensive+ Plans
• Rental vehicle comprehensive cover – available on our Comprehensive+ Plan only

Rental vehicle insurance excess cover

When you hire a rental car, you will typically receive a rental car agreement that lists an excess amount you are liable to pay if there is damage to the rental vehicle. It is the reimbursement of the excess amount you have paid to the rental car company that our Cover-More comprehensive policies can provide cover for, if you need to make a claim for rental car insurance excess and it is approved.

Remember to read the exclusions and limitations listed in the  Product Disclosure Statement  (PDS) as these will apply. We will not pay for:

• any payment or any claim for which you are not liable under the vehicle rental agreement for loss or damage to the rental vehicle
• any payment or any claim where you have not met the terms of your vehicle rental agreement
• where the rental vehicle is not driven by you or in your charge or is driven by a person not named on the vehicle rental agreement

Please refer to the Product Disclosure Statement (PDS) for coverage limits – or find further information here .

Contact our Customer Service team on 1300 72 88 22 or via the Live Chat feature on our website if you wish to increase your cover.

To help understand how much cover you may need, consider checking with your rental car company and check what their standard insurance excess amount is.

Rental vehicle comprehensive cover

This rental vehicle cover includes benefits beyond the insurance excess, such as misfuelling, lock out, cancellation of Rental Agreement fees, and more.

This cover applies if you:

• have purchased a Cover-More Comprehensive+ policy;
• hire a rental vehicle;
• are the nominated driver on the rental vehicle agreement; and
• have comprehensive motor vehicle insurance for the rental vehicle for the hire period.

You must also:

• take all reasonable steps to protect the rental vehicle against loss and damage;
• ensure the rental vehicle value does not exceed $200,000 and that it is not more than 10 years old.

Please read the PDS for full details and coverage limits. You can also find more information here .

Does Cover-More Travel Insurance cover skiing/snowboarding/snowmobiling?

Yes, we can provide cover for snow sports. This cover is available when you add one of our Snow Sports Cover options to your travel insurance policy for an additional premium.

We offer two types of cover so you can choose the cover that suits you best:

• Snow Sports: this provides cover for on-piste snow skiing, snowboarding, snowmobiling and cross-country skiing. This cover is suitable for travellers spending their time at ski resorts, as off-piste or backcountry skiing is not covered.
• Snow Sports+: this cover includes the above activities as well as off-piste snow skiing/boarding and guided heli-skiing/boarding tours. This is suitable for more advanced skiers or those planning more adventurous activities.

Please note you will NOT be covered if:

• You are racing.
• You are participating in a professional capacity. “Professional” means undertaking any activity for which financial payment is received from another person or party.

More FAQs relating to snow sports can be found on our dedicated  Winter Sports FAQs Page . Please refer to the Product Disclosure Statement (PDS) for specific coverage options.

Will Cover-More Travel Insurance cover me if I am taking part in a race or sport competition?

Unfortunately travel insurance can’t cover absolutely everything. Our travel insurance – including additional cover such as Snow Sports Cover and Adventure Activities Cover – offers cover only when you are engaging in sports and activities in a non-professional capacity.

“Professional” means undertaking any activity for which financial payment is received from another person or party.

Please refer to the PDS for more information.

Does Cover-More Travel Insurance cover claims if the incident occurs while under the influence of drugs or alcohol?

It’s important to understand situations that may affect your Cover-More travel insurance claim before you travel.

As outlined in the PDS under General Exclusions, we will not pay for:

• chronic use of alcohol;
• substance abuse, drug abuse (whether over the counter, prescription or otherwise); or
• ingestion of any non-prescription drug or substance (e.g. marijuana, ecstasy, heroin).
• which is evidenced by the results of a blood test which show that your blood alcohol concentration level is 0.19% or above. (The level of alcohol in Your blood is called blood alcohol concentration (BAC). As a point of reference, a BAC of 0.19% is almost four times the legal driving BAC limit range in Australia which is currently 0.05%); or
• the report of a medical practitioner or forensic expert;
• the witness report of a third party;
• Your own admission; or
• the description of events you described to us or the treating medical professional (e.g. paramedic, nurse, doctor) as documented in their records.

Can I get a refund if I cancel my Cover-More Travel Insurance policy?

If you cancel your policy within a cooling-off period of 21 days after you are issued your Certificate of Insurance, you will be given a full refund of the premium you paid, provided you have not started your journey, or you do not want to make a claim.

After this period, you can still cancel your policy, however, we will refund you a proportion of the premium for the unexpired period of cover (less any non-refundable government charges and taxes that we have paid and are not recoverable).

You are not entitled to a refund if you have started your journey, you want to make a claim, or exercise any other right under your cover.

If you purchased your policy from our website and you want to cancel your cover, please contact our team by calling 1300 72 88 22 (within Australia) or +61 2 8907 5000 (from overseas) or by emailing  [email protected] .

To complete the cancellation of a policy, you must be the policyholder and you will need to provide your policy number to our team.

Any refunds will be paid onto the card used for purchase.

If you purchased your policy through a travel agent and wish to cancel it, please contact your agent directly.

How do I make changes to my Cover-More Travel Insurance policy?

For any changes to your policy including:

• Change of personal details (name, address, date of birth, etc.)
• Changing travel dates
• Including optional cover within your policy to vary your cover (e.g. Cruise Cover, Snow Sports Cover, Adventure Activities Cover, and Motorcycling/Moped Riding Cover)
• Updating your pre-existing medical conditions information

…please contact our Customer Service team to assist you on 1300 72 88 22 or via the Live Chat feature on our website during Australian business hours.

How do I get a copy of my policy documents?

If you have lost your copy of your Certificate of Insurance (COI), please check the email that you would have received confirming the purchase of your policy. A copy of your policy certificate will be attached.

If you cannot find that email, please contact our Customer Service team on 1300 72 88 22 or via the Live Chat feature on our website and provide your name, date of birth and address and we will send you a copy. If you purchased your policy through an agent or broker, you can also request a copy of your documents from them.

Am I still covered if I arrive home later than the return date on my Cover-More Travel Insurance policy?

When you purchase your policy, you need to make sure that the travel dates you enter cover the entire journey: from the date you leave your home in Australia to the date you return home after your journey.

“ Home ” means your usual place of residence in Australia.

“ Journey ” means the period commencing at the time you leave home and ceasing at the time you return home.

On an Annual Multi-Trip policy, the destination/s within your journey must be more than 250 kilometres away from your home, or, if they’re less than this distance, your journey must include at least one night of paid accommodation booked with an accommodation supplier or provider (such as a hotel, Bed & Breakfast, serviced apartment, or peer-to-peer service such as Airbnb).

“ Period of Insurance ” means:

• in respect of Single Trip Policies: from the time you commence the journey or the travel start date shown on your Certificate of Insurance (whichever is later) until the time you complete the journey or the travel end date shown on your Certificate of Insurance (whichever is the earlier).
• the time that you complete the journey; or
• the expiry of the maximum insured duration per journey (this maximum duration is shown on your Certificate of Insurance); or
• 12 months from the travel start date shown on your Certificate of Insurance.

If you are delayed from returning home due to no fault of your own, your policy will automatically extend until you are able to return home by the quickest and most direct route.

However, if you arrive home later than the return date on your Cover-More travel insurance policy and this is not because of the above, cover will cease from the return date listed on your Certificate of Insurance.

You can contact Cover-More before the expiry of your policy to discuss options you may have.

How many Velocity points will I receive from purchasing a policy directly from Cover-More Travel Insurance?

If you purchase directly from our website or via our telephone sales team, you may be eligible for 3 Velocity Points per $1 spent with us.

Make sure you provide your Velocity membership number at the time of purchase, or within 90 days of buying your policy.

See our Velocity Points page for all the terms and conditions.

How do I make a complaint to Cover-More Travel Insurance?

If you think we have let You down in any way, or our service is not what you expect (even if through one of our representatives), please let us know.

We will put you in contact with someone who can help to resolve the complaint.

See our guide to lodging a complaint for details, which includes our complaints form.

Luggage questions

Will cover-more travel insurance cover me if i am travelling with expensive luggage.

Most of our travel insurance plans include luggage and travel documents cover , which can protect items such as your phone, camera, laptop, jewellery, watch or one item specified by you.

The benefit limit per plan can be seen below, however, item limits do apply.

Please refer to the Product Disclosure Statement (PDS) for coverage limits.

If you’re travelling with expensive luggage, you may be able to increase your luggage item limit for an additional cost when you apply for a quote. The extra cover can then be added to your policy for an additional premium.

If you make a luggage claims, receipts or valuations no more than 24 months old must be available if requested by our team.

What is the luggage benefit limit on Cover-More Travel Insurance plans?

Our benefit limits for luggage and item limits that apply to any type of luggage claim vary between plans, items and the level of coverage you choose.

You should check the PDS to find out the exact limits that apply to luggage items when considering our plans.

While you can claim up to the luggage section limit for multiple items that have been lost, stolen or damaged, each individual, pair or set of items (such as a set of golf clubs vs. each individual club) will have a limit as well.

Read more about our luggage benefits here .

Does Cover-More Travel Insurance cover if my luggage is delayed by a transport provider?

If a transport provider overseas delays all pieces of your checked luggage for more than 12 hours, there may be provision to claim for the purchase of essential items of clothing and toiletries.

Make sure you keep all receipts for the essential items you purchase.

You must also get a written report from the transport provider confirming the delay and how long it was for.

Find more about our delayed luggage benefit here .

Does Cover-More Travel Insurance apply depreciation to luggage items?

For luggage items aged 0-24 months, we do not apply or deduct depreciation to approved Cover-More travel insurance claims.

For luggage items aged more than 24 months, a percentage of depreciation will be applied depending on the item’s age.

Read more about depreciation on our luggage benefits page and in the PDS .

If you have any questions about how the amounts have been calculated during a claim, please contact our office directly on 1300 36 26 44.

Claims questions

How long do i have to lodge a cover-more travel insurance claim.

You must advise us of any claim or occurrence that may result in creating a travel insurance claim as soon as possible and within 60 days of the return date shown on your Certificate of Insurance. You can do this by sending us a completed claim form.

If you are still within the 60-day time frame but believe you may exceed it, please contact our Claims team on 1300 36 26 44 to alert them to the fact.

If you believe you may exceed the time frame because you are awaiting documentation relevant to your claim, please submit your claim in the meantime and provide us with your documentation once available.

Visit our Claims page for further information.

Can I wait until I return home from travel before submitting a Cover-More Travel Insurance claim?

Claims can be submitted both during and after travel. Our Online Claims Portal allows you to submit your claim from anywhere in the world.

How do I lodge a new claim or check the status of an existing claim with Cover-More Travel Insurance?

If you would like to make a new Cover-More travel insurance claim, you can do so by visiting our Claims page here.

You can lodge a claim through our Online Claims Portal and upload copies of any supporting documentation that supports your claim. This is the quickest and easiest way to lodge a claim.

You may also download a copy of our paper claim form and lodge a claim through the post or email if you would prefer. You will receive an email notification when your claim has been received and registered.

If you would like to check the status of an existing claim, you can log onto the Online Claims Portal , which will show you the status of all the claims associated with your policy. You can also contact our Claims team by dialling 1300 72 88 22 and selecting the option for ‘Existing Claims’.

How long will it take to settle my Cover-More Travel Insurance claim?

We aim to respond to all claims within 10 working days.

If we need to request more information from either you or a third party (such as your doctor or travel agent) to make a decision on your claim, then your claim could be delayed.

We will notify you within 10 working days if more information is needed to process your claim.

We will tell you about the progress of your claim every 20 working days.

Once we have all documentation required, we will respond within 10 working days from the date we receive each document that is sent to us or have sufficient information to make a decision on your claim.

To reduce any delays, please send all the documentation mentioned in the Online Claims Portal and on the claim form for your type of claim. If you cannot provide something, please explain this clearly in when submitting your claim.

What happens if my Cover-More Travel Insurance claim is related to a large event that happens overseas?

For many large-scale events (e.g. terrorist attacks, major weather events, etc.) that occur around the world, we will prepare specific advice and publish this on our website. This advice will give you an understanding of the event and exactly what cover is provided for in relation to it.

All of our advice can be found on our Travel Alerts page .

If we do not have any advice on a specific event you want to know about, please contact our Customer Service team on 1300 72 88 22 or via the Live Chat feature on our website to chat directly with our Customer Service team.

What do I do if the section of the Cover-More Travel Insurance policy I want to claim under isn't available in the Online Claims Portal?

If you are submitting your claim via the Online Claims Portal , please select the "Other" option when you are prompted for the section of the policy you would like to claim under.

I have all my claims documentation and would like to submit it to Cover-More – do I have to mail the documents in?

The quickest option for your claim to be processed is to submit your claim and associated documents via our Online Claims Portal. Documents can also be submitted via email, fax, and mail.

While we do not require the originals of your documents, we may require them later for auditing purposes, so we ask that you keep the originals available if we request them.

Do I have to provide receipts for Cover-More Travel Insurance claims?

We always ask for receipts in the first instance. This is a policy requirement and provides us with documentary evidence of purchase.

It is your responsibility to provide us with evidence to support your claim for an item. This is ‘proof of ownership’.

Please note:

• we will accept the original or a copy of a purchase receipt, invoice and/or bank statement showing the purchase, the date of the purchase and the amount paid
• we may consider valuation certificates (issued prior to the relevant time), ATM receipts and warranty cards with accompanying bank statement of purchases
• we will not accept photographs, packaging, or instruction manuals as proof of ownership

If you do not have the receipts, please indicate that on your online claim submission when prompted.

Why does Cover-More Travel Insurance ask whether I have Home and Contents Insurance?

If you have Home and Contents insurance, sometimes it will also cover you for items even if they are lost while on holiday.

If this is the case, your Home and Contents insurer may be liable for part of the cost and will contribute to your claim.

If this is relevant to you, we will always settle your claim in full directly with you before contacting the other insurer.

Who has the authority to speak to act on my behalf while I am overseas?

If you need to extend the period of insurance, we do not require the authority, just a policy number and new end dates.

If you would like someone to lodge a claim on your behalf, anyone can log onto the Online Claims Portal as long as they have your policy details. Our Claims team will contact you to make sure that we have all the correct details before assessing your claim.

If you need someone to act on your behalf to amend your policy coverage, we will require you to provide the authority.

If you wish to list someone as having authority to speak or act on your behalf, please contact us and provide the name and DOB or mobile number as a way of identifying the person.

You or someone acting on your behalf can contact us on 1300 72 88 22 or via the Live Chat feature on our website to chat directly with our Customer Service team.

Why is my claim being investigated by Cover-More Travel Insurance?

Sometimes the size of a claim or the difficulties in gathering information can mean we might use an investigator who can gather information more quickly and accurately. This can help speed up the processing time of your claim and make sure that we have considered all factors before making a decision.

Why does Cover-More split payments or deposits instead of paying the whole amount for the claim?

At times, we will be able to approve one part of a claim while we still need to continue to gather information on another part.

Rather than delay the entire claim, we usually elect to settle the parts we can.

This means you will be financially better off more quickly while we continue to assess the remainder of the claim.

What happens to my replacement item or credit voucher if I don't user it within 6 months?

Please contact our Claims team on 1300 36 26 44 and we can contact our supplier to have the voucher re-activated.

Medical questions

Does cover-more travel insurance cover overseas dental expenses.

Our international travel insurance plans can cover overseas emergency dental expenses to the limit of $2,000.

Our Inbound Plan (for non-Australian residents travelling to Australia) can provide cover for emergency dental expenses in Australia up to the limit of $2,000.

Cover is provided for the usual and customary cost of emergency dental treatment provided outside Australia by or on the advice of a qualified medical practitioner or dentist to relieve pain or temporarily restore function.

There is no cover for routine dental treatment, or dental expenses involving the use of precious metals, whitening, or involving cosmetic dentistry.

Will Cover-More Travel Insurance cover medical expenses incurred in Australia?

No, medical expenses incurred in Australia are not covered by the policy if you are an Australian resident or eligible overseas representative.

However, if you are travelling to Australia on our Inbound Plan, cover may be available.

Please consider checking with Medicare for more details regarding countries with Reciprocal Health Agreements with Australia.

Read more about our Inbound Plan benefits here .

Do I need to complete a medical assessment every time I take out a new Cover-More Travel Insurance policy?

Yes, for each new policy you buy we require you to complete a new medical assessment.

If you have an Annual Multi-Trip Policy and you are diagnosed with a new condition and make further bookings, you may be required to complete a new medical assessment.

Will Cover-More Travel Insurance cover me if I have an existing medical condition?

Our travel insurance policies can automatically provide cover for some existing medical conditions. Other existing medical conditions will require assessment and, if approved, an additional premium will be applicable.

Even if you do not want cover for an existing medical condition, you will still need to declare it to us by completing a Cover-More medical assessment online.

Our online medical assessment can be complete by generating a quote via this website and following the steps as prompted.

Please read the applicable  Product Disclosure Statement  (PDS) for coverage details.

How long will it take for Cover-More Travel Insurance to assess my existing medical condition?

In most cases you will receive an outcome on completion of a Cover-More medical assessment online.

The medical assessment can be completed as part of generating an online quote via our website.

What existing medical conditions are automatically covered by Cover-More Travel Insurance?

These are some of the existing medical conditions that can be automatically covered, subject to policy requirements:

• Bell’s palsy
• Coeliac disease
• Congenital blindness
• Congenital deafness
• Hip replacement
• Knee replacement
• Shoulder replacement
• Hip resurfacing
• …and more, which you can find listed here .

If your existing medical condition is not able to be automatically included, cover for existing medical conditions can be assessed by completing a Cover-More medical assessment during the online quote process.

Be sure to refer to the applicable Product Disclosure Statement  (PDS) for coverage details.

Note: if you do need to complete an online medical assessment, we need to assess all your diagnosed conditions, not just the ones you want covered.

If you have any questions about the online assessment or prefer to talk with a customer service agent, please contact us on 1300 72 88 22.

Will Cover-More Travel Insurance bring me back to my home in Australia if I am sick or injured overseas?

All policyholders have access to our Emergency Assistance team, who are contactable 24 hours a day, 365 days a year. You can reach them by calling +612 8907 5619.

Our team of doctors, nurses, case managers and travel agents can provide the following services to all policyholders:

• Locate a doctor or hospital if you become ill or injured away from home – and help connect you with an English-speaking doctor too.
• Help you find a medical facility nearby and monitor your medical care.
• Paying bills - Becoming ill overseas can be expensive so significant medical expenses can be paid by us directly to the hospital if your claim is approved.
• Keeping you travelling or get you home – our team can decide if and when it is appropriate to bring you home and will coordinate the entire exercise.
• Help if passports, travel documents or credit cards are lost - If you need assistance in contacting the issuer of the document, our emergency assistance team can help.
• Help to change travel plans - If your travel consultant is not available to assist with rescheduling in an emergency, our team can help.

Note: certain services are subject to your claim being approved.

Does Cover-More Travel Insurance cover pregnancy?

We may be able to provide travel insurance cover for pregnancy. If you know you are pregnant at the relevant time, you will need to apply for cover for your pregnancy if:

• There have been complications with this pregnancy or a previous pregnancy;
• You have a multiple pregnancy e.g. twins or triplets; or
• The conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF.

“Relevant Time” in respect of:

• Single Trip policies means the time when the policy is issued.
• Annual Multi-Trip policies means the first time when a part of the relevant trip is paid for or the time when the policy is issued, whichever occurs last.

Please complete additional questions in an online Cover-More medical assessment to determine eligibility and obtain a quote. If you have any questions about the online assessment or prefer to talk with a customer service agent, please contact us on 1300 72 88 22.

Pregnancy restrictions

Whether or not you have to apply for pregnancy cover, the following restrictions apply to claims arising in any way from the pregnancy of any person:

• Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy (i.e. up to 23 weeks, 6 days). Gestational age is measured in weeks and days and is calculated from the last known date of your menstrual period or calculated from staging ultrasound.
• Childbirth is not covered.
• Costs relating to the health or care of a newborn child are not covered, irrespective of the stage of pregnancy when the child is born.

Expectant mothers should consider if our travel insurance is right for them, as costs for childbirth and neonatal care overseas can be expensive.

Always read our Product Disclosure Statement (PDS) before deciding on our travel insurance – and you can learn more about our pregnancy cover here .

What type of Cover-More Travel Insurance plan should I get if I am travelling to either Norfolk Island, Lord Howe Island, Keeling Islands or Christmas Island?

These destinations fall under our Domestic Plan, as all these locations are considered to be part of Australia.

Because of this, access to Medicare-covered treatment is available for Australian citizens at these destinations.

There is no cover for medical expenses or dental expenses under our Domestic Plans.

Do I need to list all my destinations when I get a quote on a new Cover-More Travel Insurance policy?

When you generate a quote for a travel insurance policy, we ask for the destinations you will travel to so that we can make sure we give you the best price.

To help us, in the quote box under “Where are you going?”:

• Enter or select every country you will be travelling to wherever possible.
• For each country you select, cover for travel to all other countries within that region are also included regardless of whether the countries are selected or not.

What to do if you do not know every single country you will be travelling to:

• If you are not sure of all your destinations, you can select a region instead. Cover then applies for travel to all countries within that region. (i.e. Europe or Africa.) You can also select “Anywhere in the World”.

Have a question we haven’t answered here? Contact our Customer Service team on 1300 72 88 22 or via the Live Chat feature on our website during Australian business hours.

Ready to book your next trip?

Find out how our travel insurance can help keep you travelling safely today.

Travel Insurance You Can Trust

What country are you going to?

Select the Area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas Area, it is compulsory to select a destination in the Americas Area for your policy.

If you are quoting a multi-trip policy please select “see region list” and select a destination in the appropriate region. For example United States for Worldwide cover or Spain for European cover.

When are you going?

Please select the departure and return dates for your trip.

For multi-trip policies the departure date will mark the start of your cover and it will automatically run for a year from that date.

Who is travelling?

Simply enter the age of each traveller including Adults and Accompanied Children*. Enter the age they are now.

Only use as many boxes as you have travellers.

*As per the Policy Wording: "Accompanied Children" means Your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment and they are under the age of 21 years at the Relevant Time. If an Accompanied Child is in full time employment then they will need to purchase their own policy.

If you require a policy for more than 6 travellers, please contact Cover-More on (0800) 500 225 as we may still be able to offer cover to you.

Cover-More team

Becoming a Cover-More agent

Our goal is to provide, quality, competitive cover to as many of your customers as possible.

The Cover-More team are dedicated to delivering you a superior product range you need and have designed the products and systems to be consistently easy for you and your customers.

We are specialists in travel insurance and will work closely with you by providing ongoing support and coaching from our dedicated BDM's, so you can always deliver first class results.

We are confident we represent the best preferred travel insurance option for you.

* All fields marked with an asterix are mandatory

Please wait, generating your policy.

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• Military Fitness
• Apache Crash Injures 2 Fort Riley Soldiers as Army Grapples with Nonstop Aviation Incidents

An Army AH-64 Apache crash at Fort Riley , Kansas, on Tuesday left two pilots injured, marking yet another aviation incident in a string of crashes for the service.

The pair of soldiers with the 1st Infantry Division's Combat Aviation Brigade were being treated for injuries after the crash, which occurred during gunnery training, according to a spokesperson for the installation. It's unclear what caused the crash, and officials are investigating the incident.

The Army has been marred by a seemingly constant string of helicopter incidents, particularly among Apache and Black Hawk helicopters. Last year, the service saw 10 incidents, including 14 fatalities -- far outpacing deaths occurring in combat operations abroad.

Read Next: Army Pumping Millions into Food Kiosks, But They May Soon Be Obsolete

Army aircraft have been grounded twice since the spring of last year -- once servicewide after nine soldiers died in April 2023 in a crash that involved two Black Hawk helicopters out of Fort Campbell , Kentucky.

That incident marked one of the deadliest training mishaps in Army history. Later that month, three 11th Airborne Division soldiers died when two Apaches collided .

Last year's incidents also include a November crash in which five Army special operations soldiers died in a Black Hawk crash in the Mediterranean Sea, off the coast of Cyprus.

As frequent as last year's crashes were, incident rates with Army aviation so far this year are roughly three times that compared to last year, according to data provided by the service.

The Army National Guard grounded its aircraft in February after back-to-back Apache crashes, one in Mississippi where two soldiers died and another earlier that month in Utah. That crew survived .

In March, two soldiers were injured in an Apache crash at Joint Base Lewis-McChord , Washington. Two days later, two more soldiers were injured in another Apache crash at Fort Carson , Colorado. Additionally, two New York Guardsmen supporting border security missions died in southern Texas in a UH-72 Lakota crash, which also killed a border patrol agent.

Units were ordered in early April to go over safety procedures and other additional training by Friday. However, the service has been short on answers as to why incidents are on the rise.

The incidents have been partly attributed to pilots flying less with the winding down of the post-9/11 wars. Since 2012, flight hours across the Army's top three helicopter platforms have dipped dramatically, according to data provided by the Army.

Flight time with the Apache dropped the most -- about 50%. Chinook pilots have 36% less time in the air, and the Black Hawk, the service's premier workhorse, is flying 25% less.

Service officials have historically been swift to place blame on service members and slow to examine equipment or training doctrine relevant to safety concerns.

"If we have known issues with certain helicopters, we need to know so we can resource your department in a manner that protects the lives of our brave women and men in uniform," Sen. Kirsten Gillibrand, D-N.Y., said in a letter to Defense Secretary Lloyd Austin last year.

Related: In Wake of Fatal Black Hawk Crash, Renewed Scrutiny of the Helicopter's Safety Record

Steve Beynon

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