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CoverMore Travel Insurance: Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Planning a trip involves more than just booking flights and accommodations. Ensuring you’re covered for unforeseen circumstances through a solid travel insurance plan is crucial too.

One provider that’s become a go-to for many travelers is CoverMore. If you’re considering purchasing a policy from them, this comprehensive guide to CoverMore Travel Insurance is here to aid your decision.

In this article...

Who is CoverMore?

CoverMore is an Australian-based travel insurance provider that’s been operating since 1986.

Its experience, customer-centric approach, and extensive range of insurance products have earned CoverMore a place among the top travel insurance providers globally.

They serve millions of customers each year, providing coverage for everything from trip cancellation to medical emergencies.

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✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does CoverMore Travel Insurance Cover?

CoverMore provides a broad spectrum of coverage to cater to various traveler needs. Let’s look at the primary aspects their policies cover:

• Medical and Dental Expenses: CoverMore provides comprehensive medical and dental coverage, which includes hospital stays, surgical procedures, outpatient treatment, and emergency dental expenses.
• Amendments or Cancellation Costs: If you have to amend your travel plans or cancel your trip due to unforeseen circumstances, CoverMore offers coverage to minimize your financial loss.
• Luggage and Travel Documents: CoverMore provides coverage for lost, stolen, or damaged luggage and personal effects. This also extends to travel documents, including passports and credit cards.
• Delayed Luggage Allowance: If your luggage is delayed by a transport provider, CoverMore provides an allowance for you to purchase essential clothing and toiletries.
• Rental Car Insurance Excess: If you plan to rent a car during your travels, CoverMore’s coverage includes rental car insurance excess.
• Resumption of Journey: If you must return home due to an unexpected event, CoverMore will cover the cost of resuming your journey.
• Hospital Incidentals: If you’re hospitalized while traveling, CoverMore provides a daily allowance to cover incidental expenses.
• Personal Liability: CoverMore provides coverage in case you become legally liable for injuring another person or damaging their property.

Why Choose CoverMore Travel Insurance?

When evaluating travel insurance options, it’s natural to wonder why you should opt for CoverMore. Here are some reasons:

• Global Assistance: CoverMore operates its own global assistance network, ensuring round-the-clock access to medical and travel specialists wherever you are in the world.
• Flexible Policies: With CoverMore, you can choose from various policy options, allowing you to find one that best suits your travel needs and budget.
• High Medical Coverage Limits: CoverMore offers high coverage limits for medical and dental expenses, which is particularly beneficial for travel to countries where healthcare costs are high.
• Wide Range of Pre-existing Medical Conditions: CoverMore considers cover for a wide range of pre-existing medical conditions, making it a preferred choice for many travelers.

CoverMore Travel Insurance: Customer Reviews

Customer reviews offer invaluable insights when you’re considering a product or service. With an average rating of 4.2 out of 5 on Product Review, CoverMore is generally well-received by its customers.

Customers frequently praise the company for its efficient claims process, helpful customer service, and comprehensive coverage . However, some customers have noted that the cost of CoverMore’s policies can be higher than some competitors.

As always, it’s essential to read policy documents carefully and ensure you fully understand what’s covered before purchasing a travel insurance policy.

CoverMore Travel Insurance vs. Other Providers

As with any service, it’s beneficial to compare CoverMore with other travel insurance providers before making a decision.

While CoverMore shines in its comprehensive coverage and high medical limits, its prices can be higher than other providers. If cost is a primary concern for you, it might be worth exploring other options.

On the other hand, if you’re looking for robust coverage and don’t mind paying a bit extra for the peace of mind, CoverMore could be an excellent choice. The decision ultimately depends on your personal needs, travel plans, and budget.

This guide has aimed to shed light on CoverMore Travel Insurance, helping you make an informed decision about whether it’s the right choice for you.

Remember, the best travel insurance policy is one that offers the coverage you need at a price you’re comfortable with.

Happy and safe travels!

FAQs about CoverMore Travel Insurance

Does CoverMore cover COVID-19 related claims? Yes, CoverMore offers coverage for COVID-19 related claims under certain conditions. Be sure to check their policy details for the latest information.

Can I get a CoverMore policy if I have a pre-existing medical condition? Yes, CoverMore considers cover for a wide range of pre-existing medical conditions. However, you must declare all conditions during the application process.

What should I do if I need to make a claim with CoverMore? If you need to make a claim, you should contact CoverMore’s claims department as soon as possible. Remember to keep all relevant documentation, as you’ll need it to support your claim.

Can I get coverage from CoverMore if I’m traveling to multiple countries? Yes, CoverMore offers travel insurance for single and multiple destinations. You’ll need to list all countries you plan to visit when applying for a policy.

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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..

In this guide

Find a Cover-More travel insurance policy

Here's your valid cover-more deal, summary of cover-more's international comprehensive+ policy, how does cover-more travel insurance cover covid-19, what policies does cover-more offer, here's a breakdown of cover-more travel insurance features, standard features, optional add-ons, how to make a cover-more travel insurance claim, here's the bottom line about cover-more travel insurance, frequently asked questions.

Destinations

• Most holidaymakers in Australia should get peace of mind with Cover-More's unlimited overseas medical expenses and additional expenses.
• Cover-More offers some cover for pandemic-linked expenses, including overseas medical and cancellation and amendment costs.
• Limited cover for pregnant travellers and those with certain serious medical conditions.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Earn Velocity Points with Cover-More

Get 3 Virgin Velocity Points for every $1 spent on travel insurance with Cover-More.

Table updated December 2023

Best Travel Insurance - Domestic finalist

Cover-More's domestic policy came third-place in the domestic category. Out of the 23 domestic policies we analysed, it offers competitively priced policies and covers rearrangement costs related to COVID, rental car excess insurance and more.

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 .

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 .

These are some of the main insured events a policy can cover you for:

International Basic

International Comprehensive

International Comprehensive+

Annual Multi-Trip

Domestic Basic

Domestic Comprehensive

Domestic Comprehensive+

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 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
• Personal liability
• Loss of income
• Luggage and travel documents
• Overseas medical and dental expenses
• Rental vehicle insurance excess
• Resumption of journey

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.

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 due to a pre-existing medical condition (unless approved for cover)
• If you fail to take reasonable care of your property
• If you travel against medical advice or to seek medical treatment
• If your claim involves travelling in international waters in a private vessel
• If your claim arises because you were under the influence of drugs or alcohol (except those prescribed by a doctor)
• 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.

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

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.

If you're still up in the air about Cover-More, you can compare some other travel insurance insurers here .

When do I need to lodge a claim?

Cover-More requires any claim to be lodged within 60 days of the policyholder's return home.

Can I extend my trip?

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.

How many children can be covered under a 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.

Does Cover-More provide cover for professional sporting activities?

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.

Cristal Dyer

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.

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11 Best Travel Insurance Companies in April 2024

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If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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Home > Travel Insurance > Cover-More Travel Insurance Review

Cover-More Travel Insurance Review

Learn about Cover-More travel insurance here and compare a range of policies online with Savvy.

Fact checked

For almost 40 years, Cover-More Travel Insurance has been offering protection for domestic or international travellers through its comprehensive selection of policies. Headquartered in Sydney, it’s one of the largest insurers in Australia, with more than a 40% share of the country’s market.

If you're wondering how Cover-More's travel insurance policies stack up against their competitors, Savvy can help. By comparing with us, you can weigh up the pros and cons of Cover-More's policies. This helps you find the best travel insurance policy for your holiday, whether you're planning to visit the outback of Australia or hop from island to island in Greece.

Letting us help you with the decision-making process will give you the right policy for your holiday today.

*Please note that Savvy does not represent Cover-More for its insurance products.

More about Cover-More travel insurance

What travel insurance policies does cover-more offer.

As any well-travelled globe-trotter will tell you, no two travel insurance products are the same. Every provider and their respective policies offer a different range of inclusions, exclusions and claim limits, making comparing with Savvy essential when you’re doing your homework before you jet off.

Cover-More has three different products for both international and domestic trips, ranging from cheaper basic options to more expensive and comprehensive policies. These include:

• International comprehensive: this policy includes cover for overseas medical expenses, cancellation, luggage and the excess on a rental car. The claim limits are also greater under this policy option, especially across the areas of travel delays, missed connections and loss of income.
• International comprehensive plus: Cover-More's broadest policy, this top-tier cover gives you the same level of protection as the comprehensive policy but offers greater claim limits. For example, while the standard comprehensive policy allows you to claim $250 for stolen money, this policy allows you to get back up to $500.
• International basic: this policy provides customers with the bare necessities when they’re travelling, primarily focusing on unlimited overseas medical expense coverage. Unlike the other policies, this is only available for single-trip insurance .
• Domestic comprehensive: this level of cover provides you with protection for cancellation and delays, plus the loss or damage of your luggage, some valuables and the excess on a hire car. The claim limits are also more generous than those offered on the basic plan.
• Domestic comprehensive plus: Cover-More's most extensive domestic policy, this provides all the same coverage as the comprehensive option but with greater claim limits. For example, if your luggage is delayed, you can claim up to $1,500 compared to standard comprehensive, which only lets you claim $1,100.
• Domestic basic: when comparing domestic travel insurance , you’ll find that this type of travel insurance provides limited cover for cancellations or delays and personal liability. If you’re chasing cover for your luggage or valuables, you’ll more than likely have to pay extra.

What optional extras are available through Cover-More?

While some travel insurance policies do seem extensive, they won’t cover you for absolutely everything on your international or domestic holiday. As such, Cover-More requires you to pay extra for the following:

• Cruise cover: if you’re cruising through Australian waters or international oceans, you'll need to purchase cruise cover. This covers the cost of medical expenses onboard your ship, assistance if you need to be medically evacuated or covering for any loss of personal items, such as your mobile phone or luggage.
• Additional item limits: if you’re taking a brand-new camera or laptop on holiday with you, you may need to pay extra to boost your claimable limit. Cover-More caps the amount you can claim on individual items at $7,000.
• Adventure activities: whether you’re planning to do a spot of dune buggying or ice fishing, Cover-More requires you to pay extra for coverage when participating in high-risk activities. Some activities which can be included under adventure coverage include speed skating, scuba diving and rowing.
• Winter sports: if you’re planning to carve up the ski slopes on holiday to Switzerland , Cover-More offers two skiing policies: Snow Sports and Snow Sports Plus. Snow Sports covers you for on-piste snow skiing, snowmobiling, snowboarding and heli-skiing. Snow Sports Plus covers you if you’re skiing with a licensed guide.
• Motorcycle or moped riding: Cover-More offers two levels of cover: one for engine capacities up to 250cc and a higher level of cover with an uncapped engine capacity. Conditions vary between policies, but both require you to be wearing a helmet and not taking part in motocross.

What exclusions should I be aware of when buying travel insurance through Cover-More?

Some of the exclusions on policies offered by Cover-More include:

• Unapproved pre-existing conditions: Cover-More travel insurance won’t cover you for medical expenses relating to unapproved pre-existing conditions, such as certain types of diabetes, mental illness or health conditions.
• Complications with your pregnancy: if you’re over 24 weeks pregnant, or if you’ve had prior complications with your pregnancy or are expecting more than one child, you won’t be covered.
• Not keeping an eye on your belongings: if your bags or personal items are swiped while you’ve got your back turned, Cover-More won’t reimburse you for their replacement.
• If you’re caught up in civil war: while Cover-More does cover medical expenses and some other costs associated with terrorist attacks, they won’t accept claims resulting from war, revolutions or invasions that impact your destination.
• If goods are destroyed by customs: Cover-More won’t reimburse the cost of goods found to be hazardous to the Australian environment and subsequently destroyed. For example, your claim will most likely be rejected if timber goods bought on a Bali holiday are destroyed because they are found to contain hazardous insects.
• Accidents caused by alcohol or drug use: if you sustain an injury due to an accident because you are under the influence of alcohol or drugs, Cover-More's policies won’t cover any medical treatment you require.
• Travelling on a private vessel: if you set sail on a private sailing vessel through international waters, Cover-More won’t cover the cost of any medical treatment.

Before you go ahead and purchase your chosen policy, it’s important to consult the Product Disclosure Statement to ensure you get the coverage you need from your insurance. There’s no point taking out travel insurance if it doesn’t cover you for the incidentals you need while you’re on holiday.

What we like about Cover-More travel insurance

What we like, extensive covid-19 coverage.

Cover-More provides some protection against costs associated with COVID-19, such as medical care received when travelling abroad and policy cancellation or change fees.

Unlimited overseas medical costs

Cover-More offers coverage for medical care and other costs incurred abroad without limits, allowing Australian holidaymakers to put their minds at ease.

High maximum age limits

Cover-More travel insurance policies have a maximum age of 99 years old, compared to many competitors who begin restricting coverage for those over 65.

What we don't like

Limited pregnancy cover.

Travellers who are more than 24 weeks pregnant have little coverage, with most policies restricting access to those who are under a certain number of weeks.

Pay extra for cruise cover

While many travel insurance companies provide automatic coverage for cruises, Cover-More requires you to pay extra if you’re needing coverage for an international or domestic cruise.

Lack of coverage for serious health issues

If you’re suffering from a serious pre-existing condition, it may be hard to get coverage through Cover-More for your holiday. For example, if you’ve got a known heart condition, you likely won’t be covered.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Cover-More travel insurance

Making a claim through Cover-More is relatively easy if you’re doing it online. Once you’ve double-checked with your PDS that the incident you’re claiming for is covered, you can begin to do the following:

• Enter your first and last name and your policy number
• Submit documents (receipts, photographs and medical reports)
• Await a response from your insurance company
• Provide your bank details to receive your reimbursement

Cover-More's international and domestic policies provide coverage for a wide range of COVID-19-related costs if you test positive, including:

• Overseas medical costs
• Cancellation, delay and amendments due to COVID-19
• Any additional expenses incurred

  However, they won’t cover you for the following:

• Border closures, quarantine or lockdowns
• The purchase of testing equipment
• Being a close contact if someone you’re travelling with tests positive
• Cabin confinement related to COVID-19

When it comes to how much you pay for your travel insurance , there is no ‘average’ cost per se. Instead, the price of your premium depends on several variables which include:

• How long you’re planning to travel
• The destinations you’re visiting
• Whether you suffer from any pre-existing conditions
• If you need any optional extras, such as cruise or adventure sports cover
• The travel insurance company you choose and the level of coverage you’re prepared to pay for

Single-trip travel insurance only covers you for one holiday taken over the space of 12 months. However, multi-trip travel insurance covers you for multiple holidays (sometimes up to 90 travel days in total) over the course of a year. One-way travel insurance covers your holiday for up to 12 months if you don’t have a return ticket booked, and there’s the ability to extend this coverage by another 12 months.

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• 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
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• 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.

Cruise Travel Insurance Benefits

Protect your cruise holiday from medical expenses and more

Whether you’re on a cruise to the Pacific Islands, sailing through the Caribbean, or exploring the seas of Australia’s tropical north, cruise travel insurance benefits can help protect your trip from costs if something goes wrong.

At Cover-More, our goal is to provide you with quality cruise insurance benefits to help keep you safe. If you’re going on a multi-night cruise on the sea or ocean, you must tell us about your cruise for Cruise Cover to be added to your policy and an extra premium will apply. (This cover is not required for river cruises within Australia or international destinations.)

Still deciding whether to take a cruise or not? Read our helpful guides on how to choose the best cruise for you , and essential travel advice for your cruise . (Plus, check out our useful holiday preparation list , too.)

If you have specific questions about our Cover-More cruise insurance benefits, read our Cruise Cover benefits FAQs .

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Why do I need cruise travel insurance benefits?

Will medicare cover me for a cruise in australia, what happens if i get sick on a cruise, does cover-more travel insurance include cruise insurance benefits, what are cover-more's cruise travel insurance benefits, how do i buy cover-more's cruise cover.

• Do Cover-More's cruise travel insurance benefits cover medical costs?

Do Cover-More's Cruise Cover benefits cover emergency evacuations?

Does cover-more travel insurance cover existing medical conditions on a cruise.

Cruises are a great way to relax , bask in the sun and enjoy the sea breeze while exploring new destinations. So, it may come as a shock if your cruise experience isn’t exactly smooth sailing.

From delayed luggage to falling seasick, it can be difficult to predict what will happen on board – let alone the money you may lose if you must cancel your cruise before you even leave home.

Cruise Cover benefits can provide cover for medical costs on board, help you if you need to be medically evacuated off the ship, and provide reimbursement for lost luggage and non-refundable expenses (up to the cancellation amount you have added to your policy).

To enjoy the cruise holiday you deserve, we recommend you consider travel insurance for cruising for extra peace of mind, and support when you need it most.

No. Cruise ships are not obligated to have doctors registered to practice in Australia on board. This means if you visit a doctor on board, it may not be covered by Medicare and you may end up with out-of-pocket expenses.

This is why you should consider travel insurance for any cruises you take in Australia.

At Cover-More, our International plans include overseas medical expenses cover when you enter/select “Domestic Cruising” as your travel area and when you tell us about your cruise when you purchase travel insurance.

Our Cover-More cruise insurance international plans can include cruise cover when you tell us you are travelling on a sea or ocean cruise for two or more nights.

Domestic and international cruise ships do offer onboard medical assistance, but the medical staff are only there to stabilise your condition.

If you require urgent medical attention while on a cruise, you may need to be evacuated from your cruise and taken to hospital – which can be extremely costly depending on where you are in the world.

That’s where cruise travel insurance benefits can help when cruise cover is added to your international plan.

With our Cover-More cruise insurance benefits included in your policy, we can not only assist with medical costs, but you’ll have our expert 24-hour Emergency Assistance team on hand to help if you are hospitalised.

Travel insurance benefits for cruising are automatically included in our Cover-More travel insurance plans when you tell us you are travelling for two or more nights on a sea or ocean cruise.

If you are taking a multi-night cruise (except for river cruises within Australia), you must answer “Yes” to the question “Will you be travelling on an ocean or sea cruise for two or more nights?” and pay the additional premium to be protected in the event something goes wrong on your cruise. (This cover is not required for river cruises within Australia or international destinations.)

To see full details of our cruise insurance benefits, read the PDS .

Our Cruise Cover provides travellers with many benefits to assist if an accident, mishap, or delay occurs on their cruise holiday.

Our Cruise Cover benefits and benefit limits per adult are as follows:

Please refer to the PDS for limits, sub-limits, exclusions, and conditions that may apply to our travel insurance benefits for cruising.

Ready to get a quote? You can generate one online now.

Ready to book your cruising holiday and purchase our Cruise Cover to protect it? You can buy a travel insurance policy with cruise benefits through our website or by calling us on 1300 72 88 22.

To get a cruise quote online:

• Enter the area of travel you want cover for in the quote box . For international trips with cruises, choose the country, region, or “Anywhere in the World”. For domestic trips with cruises, choose “Domestic Cruise” – not “Domestic” – and an international plan with overseas medical expenses will be available. Our Domestic plans exclude cover for any medical expenses in Australia. (See below for more details on choosing your destination.)
• Select the dates of your first trip.
• Enter in the ages of travellers.
• Click ‘Get Quote’ to go to the next page.
• Select the best plan for you from the options displayed on the screen, including whether you want a Single Trip policy or an Annual Multi-Trip policy if the option is available to you.
• You’ll then be asked if you are travelling for two or more nights on a sea or ocean cruise. By selecting “Yes”, an additional premium will be added to your policy, and the cruise benefits will be included when the Certificate of Insurance is issued.
• Continue down the page to fill in the rest of your details.
• Declare any of your existing medical conditions.
• Pay for your policy.

Additional helpful information on how to choose the correct destination when getting a quote:

• If you’re cruising within Australia on an inland waterway (e.g. a Murray River cruise) or within Australian coastal waters (e.g. a Kimberley cruise where the cruise does not leave these waters), please chose or enter “ Australia ” for a Domestic Plan.
• If you're cruising from a port in Australia to another port(s) in Australia that does not stop at a port outside of Australia (e.g. a cruise from Sydney to Brisbane or a Kimberley cruise that leaves Australian waters), please choose or enter “ Domestic Cruising ” for an International plan which includes SECTION 1: Overseas Medical and Dental (including emergency repatriation/evacuation).
• If you're cruising overseas, possibly stopping in many destinations (e.g. a European river cruise, a Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/ Singapore), please enter every country you will be travelling to or enter a region.

Before purchasing our cruise travel insurance, read the PDS to ensure a Cover-More policy is right for you.

Do Cover-More's cruise travel insurance benefits cover medical costs on board?

Yes, our Cruise Cover benefits can provide cover for medical expenses incurred on board the ship and if you are offloaded from the ship. Without this type of cruise insurance benefit, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise.

One Cover-More customer visited their onboard cruise doctor after a sniffle that developed into influenza. Although quick, the doctor’s visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover, and we were able to settle their claim.

To find out how much it costs to protect your cruise, get a Cover-More quote online now.

Note: our claims are subject to approval.

Our cruise insurance benefits are vital in helping protect you against more serious medical claims, especially those that result in your emergency evacuation from a cruise.

It doesn’t matter if you’re on a cruise off the shores of Australia or on an overseas cruise, if you’re in the middle of the sea or ocean, it can be incredibly expensive to be transported to the nearest hospital via air or sea.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back to Australia for surgery totalled $86,000.

To protect your cruise with Cover-More, get a quote online or call 1300 72 88 22.

Not all existing medical conditions are automatically included in our plans, so you will need to go through the same medical assessment process we use for general travel.

If all of your conditions do not meet the existing medical condition criteria to be automatically included, you will need to complete an online medical assessment and if the cover is approved, pay the extra premium to us for cover. Ensure you disclose all your existing conditions to ensure you have the right cover.

You can visit our existing medical conditions (EMC) page to view a comprehensive list of conditions we cover.

Please note: if you are not approved for your existing medical conditions, we can still provide cover for lost luggage and travel documents, and any illness or injury not relating to your EMC.

Got more questions? Find your answers over on our dedicated FAQs for cruise travel insurance page .

Want us to protect your cruise holiday?

Find our Cruise Cover and get ready to set sail.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^Cover chosen applies per policy.    If you do not tell us about your cruise, claims in any way related to your multi-night cruise, and multi-night cruise travel or that arise while on a multi-night cruise are specifically excluded by this policy.

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Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

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

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

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

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Moscow Russia 1:12,500 Travel Map Map – February 1, 2008

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Skift India Report: Majority of Travelers Procrastinate Buying Insurance

Amrita Ghosh , Skift

September 5th, 2023 at 11:00 PM EDT

Lack of education about travel insurance remains the biggest obstacle for brands’ selling it. Companies must therefore inform consumers on why they need the product regardless.

Amrita Ghosh

Only 25% of Indians traveling abroad purchase travel insurance well in advance while making travel arrangements, while the majority of them wait until the last three days to buy it, according to data compiled by insurance aggregator Policybazaar .

“Early buying allows travelers ample time to carefully review and select a travel insurance policy that offers the specific coverage they need. Besides focusing on coverage limits, deductibles, and exclusions, travelers must ensure the policy covers the destinations they plan to visit and any specific activities they intend to do, such as adventure sports,” Manas Kapoor , business head of travel insurance, Policybazaar.com told Skift. 

What Influences this Behavior? A major chunk of Indian travelers visit Asian countries, where policy documents are not required until the day of the trip. This practice can lead to travelers overlooking the importance of securing insurance well in advance.

Benefits of Travel Insurance: To provide protection against baggage loss, flight cancellation, and medical emergencies.

Key Findings: 

• As of July 2023, over 38% of the people traveling abroad plan their trips for more than 15 days, mostly for European countries, followed by 26% of them planning to stay for 7-10 days.
• 7 out of 10 people understand the importance of having an adequate sum insured while traveling abroad, choosing over 1 lakh dollars as the sum insured. While the rest of them choose almost half of it, which is the minimum coverage one can opt for.
• International leisure travel has rebounded to pre-pandemic levels, with over 97% of travelers exploring foreign destinations. Thailand continues to be the most preferred Asian travel destination for Indians. 
• Statistics for the first quarter of 2024 reveal that 50% Indians traveling to Asian countries belong to the age group of 18-35 years, while those in the age bracket of 36-50 years account for 24% of travelers. 

IndiGo Expands Fleet With Order for 10 More Airbus A320 Neo Planes

Budget carrier IndiGo has decided to place an order for another 10 A320 neo family aircraft.

Existing Order: The additional aircraft will be part of a previous order for 300 Airbus jets worth around $33 billion, which was placed in October 2019.

The latest decision comes three months after IndiGo announced placing a record order to buy 500 narrow-body planes from Airbus worth $50 billion , which was one of the largest-ever aircraft purchases by an airline.

Delivery: The aircraft will be delivered between 2030 and 2035, the airline had said.

International Operations: Foraying into Central Asia, IndiGo is set to operate four weekly non-stop flights between Delhi and Tashkent from September 22. The airline recently launched new flights to destinations in Africa , West Asia and Southeast Asia.

Russia Woos Indian Travelers With E-Visa and Foreign Tourist Card

Russia is pulling out all the stops to lure Indian tourists in a bid to shore up arrivals in a post-pandemic scenario and amid the ongoing Ukraine conflict.

“We are still on our way to restore the flow of Indian tourists in Moscow like it used to be before the pandemic. Before the pandemic, there was very steady growth like 12-15% on a year-on-year basis,” said Bulat Nurmukhanov , head of international cooperation division at Moscow City Tourism Committee.

Visa Offering: The e-visa facility with validity for 60 days and a processing time of just four workdays was extended to Indians last month. The facility is expected to cut short the extensive documentation process and reduce the processing time.

“In the first half of this year, we have already received about 20,000 Indians in Moscow – 56% higher than the same period last year. Indians are coming back,” Nurmukhanov added.

Enabling Cashless Payments: The Russian government is also working on a plan to issue a foreign tourist card to help address payment-related issues, after the departure of MasterCard and Visa from the Russian market. 

Chennai Airport to Have Two Domestic Terminals from October

Chennai airport will have two functional domestic terminals, starting from October. 

How This Will Benefit Passengers: The development aims to reduce congestion, streamline operations, and enhance passenger experience during peak hours.

Operations: The move comes following the opening of a part of the new integrated terminal (T2) to which the international flight operations have shifted in July. While the existing domestic terminal (T1) will operate as usual, the international terminal (T4) that was handling international flights till a few months ago will turn into the second domestic terminal.

Clear Signages: Airlines, including IndiGo, SpiceJet and Akasa Air, will use the T1 terminal while Air India, Air Asia and Vistara will shift to the T4 terminal, airport officials said. 

Signum Resort Igatpuri Opens Doors in Maharashtra

Hotel management company Signum Hotels & Resorts has announced the opening of Signum Resort Igatpuri in the western state of Maharashtra. 

Number of Rooms: The property will feature 35 rooms.

Recent Openings: Last month, Signum Hotels launched a property in Gujarat — Signum CityScapes Landmark in the port town of Dahej.

Footprint: The company has already opened 12 hotels in India and manages over 500 apartments spread across more than 40 locations.

Expansion Plans: Signum plans to open more properties in the fourth quarter of 2023.

Air India Express to Launch New Brand Soon

Air India Express , which will function as the low-cost arm of Tata Group-owned Air India, will follow in the footsteps of its parent company and unveil its new brand in the next couple of months, the airline said in a statement.

What the Rebranding Entails: Air India Express, which is in the process of getting merged with AIX Connect (formerly known as AirAsia India), will aim to establish meaningful connections’ including international routes, offer a ‘unique experience’ with an Indian touch, and offer ‘best-in-class value to its passengers, the airline said.

“Our ambitions will ride upon our huge fleet and network expansion, in the domestic India market as well as short-haul international region, unlocking synergies with the merger of the two entities,” said Aloke Singh , CEO of Air India Express and AIX Connect.

Integrated Website: In July, the two airlines had received regulatory approval to operate under the brand “Air India Express” and launched a unified website, airindiaexpress.com .

Operations: Air India Express and AIX Connect are subsidiaries of Air India, together operating over 300 flights daily across 30 domestic and 14 international airports, with a fleet of 54 aircraft, comprising 26 Boeing 737s and 28 Airbus A320s.

Vizag International Cruise Terminal to Launch Services in November

Set to launch services in November, the newly-inaugurated $11.56 million Vizag International Cruise Terminal is expected to boost cruise tourism from the port city in Andhra Pradesh .

Capacity: The terminal can accommodate 2000 passenger cruise ships. 

Other Facilities: Additionally, the terminal houses a covered storage shed-2 in port area, a truck parking terminal as well as one oil refinery berth to boost the capacity of the Vizag Port.

Cruise Services: The Visakhapatnam Port Authority — in association with cruise lines Cordelia, Royal Caribbean and MSC Cruises — plans to add services to Chennai, Colombo/Trincomalee, Singapore and Bangladesh, besides exploring coastal cruises to Orissa and the Sunderbans. 

UAE-India Flight Prices Set to Drop 15-30% After September 14

After three months of price hikes, airline ticket prices from the UAE to several Indian cities are expected to decrease by 15-30% after September 14. 

Airfare Range: One-way fares are expected to remain in the $215.39 to $258.26 range until November 1. Following this, fares are expected to stay elevated until the second week of January 2024, coinciding with the festival season as well as the New Year rush, according to travel agents. 

Sweet Respite: Many Indian expatriates returning to the UAE after the summer holidays had to delay their travel plans due to a more than 200% increase in fares compared to off-season dates. However, fares for round-trip travel have now significantly dropped. 

New Offering: Emirates will introduce Premium Economy services to Mumbai and Bengaluru from October 29, coinciding with the beginning of the winter peak season.

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Do not travel to Russia due to the security situation and the impacts of the military conflict with Ukraine.

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Do not travel to Russia. 

Do not travel to Russia due to the dangerous security situation and the impacts of the military conflict with Ukraine. 

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Do not travel to North Caucasus due to the high threat of terrorism and political unrest.

See Safety .

• There's an ongoing threat of terrorism. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life.
• Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and travel disruption. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.
• The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice, so have an alternate exit plan. 
• If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.
• There are limited transportation options, restrictions on financial transactions and possible shortages of essential products and services. 
• The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level covers the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments. 
• Russian authorities have made strong, negative comments in relation to Western countries. Local authorities may adopt a more negative attitude towards foreigners in Russia in reaction to perceived support for Ukraine and sanctions on Russia. Non-participating bystanders can draw scrutiny from security forces and have been detained. Remain vigilant, avoid protests or demonstrations and avoid commenting publicly on political developments.
• Continue to follow the advice on Smartraveller. If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Safety

• Laws about the import and use of medicines are strict. You need a doctor's letter and a notarised translation confirming your need for each medication that contains restricted substances. Contact the  Embassy of Russia  for details.
• Rabies and tick-borne encephalitis are on the rise. Ticks are common from April to October. Take care when travelling through forests.
• Infectious diseases such as typhoid, hepatitis, diphtheria, measles and tuberculosis are a risk. Boil drinking water or drink bottled water.
• Public medical facilities in Russian cities are below Australian standards and basic in rural areas.

Full travel advice:  Health

• Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you're subjected to mobilisation.
• Conscription occurs regularly in Russia. The Government may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. From 1 January 2024, the maximum age of conscription will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online, preventing conscripts from leaving the country once the notice is registered and sent.
• Russia has passed laws that severely inhibit free speech related to the current situation, imposing severe restrictions on the publishing and distribution of information related to the Russian armed forces and any military operations. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment. Don't share or publish information related to the current events in Ukraine and Russia.
• Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.
• Don't use or carry any illegal drugs. Penalties are severe. Carry your passport, visa and migration card at all times. Authorities won't accept copies.
• Don't take photos of military places or sensitive areas, such as passport control. It's also illegal to use commercial film, television, camera equipment or drones in public without permission. Hand-held video cameras are legal.
• Russia doesn't recognise dual nationals. We can only provide limited consular assistance to dual nationals who are arrested or detained. You'll need a valid Russian passport to leave.
• Same-sex relationships are technically legal but are not widely accepted. Violence against members of the LGBTI community occurs. Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". The promotion of LGBTI issues may be considered illegal by local authorities, and activists may face consequences under Russian law. In July 2023, the Russian President signed a decree banning gender changes without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.
• Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution.

Full travel advice:  Local laws

• If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. The security situation could deteriorate further with little warning. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Have an alternate exit plan.
• Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are often disrupted due to measures taken in response to military action in Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended. 
• If you're travelling through an overland border crossing into  Estonia  or  Latvia , confirm the entry requirements for your destination before arrival. Finland has closed border crossings with Russia indefinitely and maritime borders will close on 15 April. Latvia introduced an entry ban on vehicles registered in Russia in September 2023. There's a ban on vehicles crossing into/from Estonia at the Ivangorod- Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.
• Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. Research your railway and aviation provider before choosing their services. The International Civil Aviation Organisation has issued a Significant Safety Concern (or 'red flag') notice regarding the capacity of Russian airlines to oversee safety. 
• If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices. Entry requirements can change at short notice. Contact your airline or the nearest embassy or consulate of Russia to confirm entry requirements.
• Bank cards issued outside of Russia don't work in Russia. You won't be able to access funds from these cards once you enter Russia. You may not be able to exchange Australian dollars as well as old, worn, or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay.
• Dual nationals can't leave Russia without a valid Russian passport. If your Russian passport expires while you're in Russia or if you enter Russia using a repatriation certificate, you'll need to get a new Russian passport before you leave. This can take up to 3 months. The Australian Government won't be able to intervene or fast-track this process.  

Full travel advice:  Travel

Local contacts

• The  Consular Services Charter  details what we can and can't do to help you overseas.
• For consular help, contact the  Australian Embassy  in Moscow. Our ability to provide consular assistance in Russia is limited due to the evolving security situation. The Australian Government will not be able to evacuate you from Russia.
• The Australian Consulate in St Petersburg can provide limited help.
• If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Local contacts

Full advice

Terrorists are very likely to try to carry out attacks in Russia. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. Russia has seen a number of terrorist attacks which have caused large casualty numbers. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life. Russia's aviation has also been targeted. 

Russian authorities continue to announce arrests and the disruption of planned attacks.

Terrorists have attacked other European cities. Targets have included:

• places of worship
• government buildings
• shopping areas
• tourist sites
• restaurants
• entertainment venues
• transportation hubs
• major events which attract large crowds

To protect yourself from terrorism:

• be alert to possible threats, especially in public places
• be extra cautious around possible terrorist targets
• always have a clear exit plan
• report anything suspicious to the police
• monitor the media for any new threats
• take official warnings seriously and follow the instructions of local authorities

If there's an attack, leave the area as soon as it's safe. Avoid the affected area in case of secondary attacks.

Terrorism is a threat worldwide.

More information:

North Caucasus

There's a high threat of terrorism in parts of the North Caucasus, including:

• North Ossetia
• the south-eastern part of Stavropol bordering Chechnya
• Karbardino-Balkaria
• Karachay-Cherkessia

Terrorist attacks continue to occur in Chechnya. Several people have been killed and injured.

Our ability to provide consular assistance to Australians  in those parts of the North Caucasus  is limited.

If, despite our advice, you travel to these parts of the North Caucasus:

• monitor local conditions via media and travel operators
• arrange personal security measures

Georgia-Russia border

The Georgia-Russia border area is volatile because of tensions in Georgia.

If, despite our advice, you travel in the border region, read our  Georgia travel advice .

Security situation

Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and flight cancellations. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.

The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family.

The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level has been introduced in the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.

Ukraine border areas and Crimea

The Russia-Ukraine border is volatile due to the Russian invasion of Ukraine.

Security incidents regularly occur in Belgorod, Bryansk, Kursk and other regions of Russia bordering Ukraine, including explosions and large fires. The security situation in the region could deteriorate at short notice. You shouldn't travel to the Russia-Ukraine border or cross into Ukraine from Russia.

We currently advise you do not travel to Ukraine due to the volatile security environment and military conflict. Read the  Ukraine travel advice   for more information.

The Australian Government doesn't recognise Russia's claimed annexation of the Ukrainian region of Crimea or its other territorial claims in occupied Ukraine.

Leaving Russia

Where it's safe to do so, you should leave Russia immediately. Use your judgment to decide the best time and safest means of exit. 

Transport routes may be disrupted. Plan for delays at land border crossings. Expect disruption to travel and changes at short notice. Make sure you have an adequate supply of food, water, medication and fuel. Make sure you have payment options that will work during your journey and at your destination. 

Read your destination's travel advice to ensure you meet the entry requirements. These may differ when entering by road, rail or air. Be aware that some borders may close without notice. Commercial travel routes between Russia and Europe have been impacted by measures taken in response to the Russian invasion of Ukraine. Check with your airline or travel agent for current flight availability. Any travel options you pursue are at your own risk. See ' Travel '

For more information on entry requirements for countries bordering Russia, read the travel advice:

The European Union also has a website with  information on travel restrictions for people seeking to enter member states .

If you decide to stay in Russia:

• follow the instructions of authorities
• ensure your travel documents are up-to-date, and keep your passport and other travel documentation safe
• contact your family and friends in Australia so they're aware of your location and situation
• keep up to date with developments on the security situation, monitor reputable media, and regularly check our travel advice and  social media
• review your personal security plans and make contingency plans to leave as soon as you judge it safe to do so
• always be alert and aware of your surroundings
• avoid large gatherings and areas with groups of fighters and military equipment.

Civil unrest and political tension

Russia's parliament has passed laws that severely restrict free speech related to the current situation. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment.

While the effects of this law are still unclear, you may be detained or fined for:

• sharing or publishing information that local authorities deem false
• sharing or publishing information that may be detrimental to the armed forces
• calling for, sharing or publishing speech in support of sanctions against Russia

You should not:

• share or publish information related to the current events in Ukraine and Russia
• participate in demonstrations and large gatherings

Russian authorities may adopt a more negative attitude towards foreigners in Russia due to perceived support for Ukraine and sanctions on Russia. Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.

Avoid commenting publicly on political developments.

Anti-war and anti-mobilisation protests have taken place in cities across Russia over the invasion of Ukraine. Many protesters have been arrested.

Unsanctioned protests are illegal, and you can be arrested if you participate. Remain vigilant and avoid rallies, protests, demonstrations and other large public gatherings, as they can turn violent, and you may be arrested.

• Demonstrations and civil unrest

Theft and assault

Petty crime, pickpocketing and mugging is common. Groups of children sometimes commit crimes, too.

Hot spots for crime include:

• the Izmailovsky Market
• other tourist attractions
• the Moscow and St Petersburg metros

Thieves often steal passports. They target travellers in  robberies  and  assaults , particularly in large cities.

To protect yourself from theft and assault:

• keep your personal belongings close, particularly in tourist areas
• be aware of your security in public places, particularly at night
• monitor local media on crime
• racially or religiously motivated assaults may occur throughout Russia.

Drink spiking

Criminals may drug and rob travellers at nightclubs and bars. Sometimes this happens after people accept offers of food, drink or transportation from strangers.

To protect yourself from spiking-related crime:

• never accept food or drinks from strangers
• don't leave drinks unattended
• leave your drink if you're not sure it's safe
• stick with people you trust in bars, nightclubs and taxis
• don't accept offers of transport from strangers
• Partying safely

Using taxis

People have reported extortion and robbery while taking unauthorised taxis.

To protect yourself from robbery while travelling in taxis:

• only use official taxi companies
• always book your taxi in advance
• don't flag down taxis on the street
• don't share taxis with strangers
• always negotiate and confirm the fare before you get in a taxi

Credit card and ATM fraud

Credit card and ATM fraud is common.

To protect yourself from fraud:

• only exchange currency at banks
• keep your credit card in sight during transactions
• only use ATMs inside banks and during business hours
• always hide your PIN

Other scams

Criminals may try to cheat you by changing money in the street or a bank queue.

Some Australians have been victims of fraud by bogus internet friendship, dating and marriage schemes operating from Russia.

These are large-scale, well-organised  scams .

Criminals arrange to meet people through internet dating schemes or chat rooms. After getting to know each other, the criminal asks the Australian to send money so they can travel to Australia. However, the relationship ends after the money has been received, and the funds can't be recovered.

Be wary of people you meet through internet dating schemes or chat rooms.

People have also reported harassment, mistreatment and extortion by police and other local officials.

If you suspect you're being extorted by a police officer or other local official, offer to walk with them to the nearest police station. Once there, you can check their identity and their demands.

Cyber security 

You may be at risk of cyber-based threats during overseas travel to any country. Digital identity theft is a growing concern. Your devices and personal data can be compromised, especially if you're connecting to Wi-Fi, using or connecting to shared or public computers, or to Bluetooth. 

Social media can also be risky in destinations where there are social or political tensions or laws that may seem unreasonable by Australian standards. Travellers have been arrested for things they have said on social media. Don't comment on local or political events on your social media. 

More information:   

• Cyber security when travelling overseas  

Kidnapping  is common in parts of the Northern Caucasus.

It can be for:

• political purposes
• retribution

Foreigners have been targeted in the past.

If, despite the risks, you travel to an area where there is a particular threat of kidnapping:

• get professional security advice

The Australian Government's longstanding policy is that it doesn't make payments or concessions to kidnappers.

Climate and natural disasters

Severe weather  during winter can disrupt travel in Russia.

To protect yourself from accidents caused by severe weather:

• take care when walking in snowy, icy or windy conditions
• take care when driving
• use appropriate driving equipment, such as winter tyres or chains
• monitor the media and other sources for updates

If you're delayed, contact local authorities about a visa extension if required.

In April, severe flooding affected multiple settlements across Russia in the South Urals region east of Moscow, in Western Siberia and near the Volga River. 

Snow and ice

People are injured or killed yearly in wind, snow and ice-related accidents. These include:

• traffic accidents
• collapsed roofs and snow falling from roofs 
• falling debris 
• prolonged exposure to extreme cold

Slipping on ice can result in serious injuries, such as broken bones, back injuries or paralysis.

During summer, forest and peat  fires  can occur in Russia, including in the Moscow region.

Earthquakes and tsunamis

The North Caucasus and the far eastern region of Russia can experience  earthquakes .

Tsunamis  are common in all oceanic regions of the world.

To protect yourself from natural disasters, take official warnings seriously.

If a  natural disaster  occurs, follow the advice of local authorities.

Get updates on major disasters from the  Global Disaster Alert and Coordination System .

Travel insurance

Most Australian travel insurance policies won't cover you for travel to Russia. Do not travel to Russia. See ' Safety '

If you're not insured, you may have to pay thousands of dollars up-front for medical care.

Physical and mental health

Do not travel to Russia. If, despite our advice, you travel to Russia, consider your physical and mental health before you travel, especially if you have an existing medical condition. 

See your doctor or travel clinic to:

• have a basic health check-up
• ask if your travel plans may affect your health
• plan any vaccinations you need

Do this at least eight weeks before you leave.

If you have immediate concerns for your welfare or the welfare of another Australian, call the 24-hour Consular Emergency Centre on +61 2 6261 3305 or contact your  nearest Australian Embassy, High Commission or Consulate  to discuss counselling hotlines and services available in your location.

• General health advice  (World Health Organization)
• Healthy holiday tips  (Healthdirect Australia)

Medications

Not all medication available over the counter or by prescription in Australia is available in other countries. Some may even be considered illegal or a controlled substance, even if prescribed by an Australian doctor. 

Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products. 

If you plan to bring medication, check if it's legal in Russia. Take enough legal medication for your trip.

Russia has strict laws about the import and use of medications. This includes medications that are available over the counter in Australia, such as cold and flu tablets.

When you arrive in Russia, you must present a doctor's letter to authorities confirming your need for each medication. This is the case if your medications contain the following:

• barbiturate
• sibutramine
• anabolic steroids
• androgens and other sex hormones
• analgesic, such as tramadol
• psychostimulants
• other restricted substances

The letter must:

• contain a description of the medication, including the chemical composition
• describe the required dosage
• explain the underlying medical condition
• confirm the medicine is for personal use only
• be signed by your treating doctor

You must also have a notarised translation of the letter into Russian.

Before you leave Australia, contact the Embassy of Russia for the latest rules for bringing medicines into Russia.

• Russian Government website

Health risks

Tick-borne diseases.

Tick-borne encephalitis  (World Health Organization) and other tick-borne diseases are a risk, especially if you travel through forested areas.

Ticks are common in rural areas from spring to autumn: April to October.

People have reported increased incidents of tick-borne encephalitis.

Measles cases can routinely occur in Russia, with the country currently experiencing increased measles activity. Make sure your vaccinations are up-to-date before you travel.

• Measles immunisation service  (Department of Health and Aged Care)

Bird flu (avian influenza)

Avian influenza  is a risk in Russia.

HIV/AIDS  is a risk.

Take steps to reduce your risk of exposure to the virus.

There has been a reported increase in  rabies  across Russia.

Rabies is deadly. Humans can get rabies from mammals, such as:

• other animals

If you're bitten or scratched by a dog, monkey or other animal, get treatment as soon as possible.

Other health risks

Waterborne, foodborne, parasitic and other  infectious diseases  are common, including these listed by the World Health Organization:

• tuberculosis

Serious outbreaks sometimes occur.

To protect yourself from illness:

• drink boiled water or bottled water with sealed lids
• avoid ice cubes
• avoid uncooked and undercooked food, such as salads
• avoid unpasteurised dairy products

Get urgent medical attention if you have a fever or diarrhoea or suspect food poisoning.

Medical facilities

Public medical facilities in Russian cities are below Australian standards.

Standards are extremely basic in rural areas.

There are a few international-standard private facilities in major cities – these clinics can be very expensive to access.

Before you're treated, private facilities need either:

• up-front payment
• evidence of adequate insurance
• a written guarantee of payment

If you become seriously ill or injured, you'll need to be evacuated to get proper care. Medical evacuation can be very expensive.

You're subject to all local laws and penalties, including those that may appear harsh by Australian standards. Research local laws before travelling.

In July, the Russian President signed a decree banning gender changes, including gender transition surgery, hormone therapy and changing gender on official documents without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.

In November 2022, Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing information or public display of any material promoting "non-traditional relationships" is now a serious criminal offence.

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion has not been issued. The Russian Government may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government will not be able to intervene if you are subjected to mobilisation.

The US Government issued travel advice in March 2022 advising that Russian security services have arrested US citizens on spurious charges, singled out US citizens in Russia for detention and/or harassment, denied them fair and transparent treatment, and have convicted them in secret trials and/or without presenting credible evidence. The US Government warns that Russian officials may unreasonably delay consular assistance to detained US citizens.

Russian authorities have introduced criminal liability for publishing and distributing 'deliberately misleading' information about the Russian armed forces and any military operations. These laws have been interpreted and applied very broadly to many forms of dissent.

Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution. 

If you're arrested or jailed, the Australian Government will do what it can to help you under our  Consular Services Charter . But we can't get you out of trouble or out of jail.

Russian authorities imposed restrictions on real estate and foreign currency transactions for foreign residents. These restrictions can be revised at short notice. Seek advice from local authorities.

Possessing, selling, consuming, or carrying any illegal drugs is illegal.

Penalties are severe and include long prison terms.

Russia has strict rules around medication carried into the country for personal use, including some medications that you can get over the counter in Australia.

If you don't declare restricted medications, authorities could detain you. See  Health .

• Carrying or using drugs

Routine police checks are common in public places.

Carry your passport, visa and migration card with you at all times. Authorities won't accept copies.

If you can't provide travel documentation on request, authorities can detain and fine you.

In Russia, it's illegal to:

• take photos of military places, strategic sites and other sensitive areas, such as passport control and guarded railway sites
• use commercial film, television or camera equipment in public areas without permission, but hand-held home video cameras are allowed
• use drones without permission from the Russian aviation authority.

Penalties for breaching the law include fines, jail and deportation.

Russia regulates religious activity. Authorities restrict activities such as preaching and distributing religious materials.

If you plan to engage in religious activity, ensure you're not breaking local laws.

Contact the Embassy or Consulate of Russia for more information.

Cybersecurity laws

Russia has blocked or restricted some social media platforms and websites, including Facebook, Instagram, LinkedIn and Twitter.

Russia has banned certain Virtual Private Networks (VPN) and has indicated it will implement a nationwide ban on VPNs in March 2025.

• Cyber security when travelling overseas
• Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor)

Official documents

Some Australian documents, such as birth or marriage certificates, need to be  legalised  before Russian authorities will accept them.

If you have an Australian document that you need to use while in Russia, contact the Embassy or Consulate of Russia for information.

Apostilles  and some legal certificates can be issued by:

• DFAT  in Australia
• Australian embassies and high commissions  overseas

Surrogacy laws

Russia has laws governing child surrogacy and has passed legislation banning surrogacy for all foreigners except those married to Russian citizens. Recent court cases have resulted in long custodial sentences for some providers of surrogacy services. All children born through surrogacy in Russia are granted Russian citizenship, regardless of their parent's citizenship.

Get independent legal advice before making surrogacy arrangements in Russia or with residents of Russia.

• Going overseas for international surrogacy
• Going overseas to adopt a child

Australian laws

Some Australian criminal laws still apply when you're overseas. If you break these laws, you may face prosecution in Australia.

• Staying within the law and respecting customs

Dual nationality

Russia doesn't recognise dual nationality.

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion hasn't been issued. Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you are subjected to mobilisation.

Conscription occurs regularly, and Russia may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. Conscription in Russia occurs semi-annually, and conscripts typically serve one year. From 1 January 2024, the maximum conscription age will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online and preventing conscripts from leaving the country once the notice is registered and sent.

Russian authorities won't recognise your Australian nationality if you're a dual national. They will treat you like any other national of Russia.

If you're a dual national:

• you must enter and leave Russia on a Russian passport
• you can enter Russia using a repatriation certificate (svidetelstvo na vozvrashcheniye) if you don't have a Russian passport, but you must still leave Russia on a Russian passport
• you must declare any other nationalities or foreign residency permits to the Russian Ministry of Internal Affairs
• you could be conscripted into the Russian military if you're a male between the ages of 18 and 30 

If you're a dual national, this limits the  consular services  we can give if you're arrested or detained.

Contact the  Embassy or Consulate of Russia  well before any planned travel to Russia.

Dual nationals can't leave Russia without a valid Russian passport.

You'll need to get a new Russian passport before you leave if:

• your Russian passport expires while you're in Russia
• you enter Russia using a repatriation certificate

Getting a new Russian passport for non-residents is complex and can take up to 3 months. The Australian Government is unable to intervene or fast-track this process.

Children born outside Russia and added to their parents' Russian passports need their own passport to leave Russia.

If you're travelling alone with a child, Russian border authorities may require the following:

• documentary evidence of your relationship to the child
• written permission for the child to travel from the non-travelling parent
• Dual nationals

Local customs

Same-sex relationships are legal in Russia but not widely accepted.

Intolerance towards the LGBTI community is common, particularly outside Moscow and St Petersburg.

People have reported violence against members of the LGBTI community, including by local security forces.

In April 2017, there were reports of arrests and violence against LGBTI people in Chechnya.

In November 2022, Russia passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing or displaying material promoting "non-traditional relationships" is now a serious criminal offence. The bill broadens the existing law banning the promotion of 'non-traditional sexual relationships' to minors.

• Advice for LGBTI travellers

Visas and border measures

Every country or territory decides who can enter or leave through its borders. For specific information about the evidence you'll need to enter a foreign destination, check with the nearest embassy, consulate or immigration department of the destination you're entering. 

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.

You need a visa to enter Russia unless you're travelling on certain commercial cruise ships.

You can't get a visa on arrival.

If you arrive in Russia without a valid visa, authorities will fine, detain and deport you at your own expense. They may bar you from re-entering.

Make sure you apply for the correct visa type, such as 'tourist' and 'visitor' visas.

If your visa type doesn't match the purpose of your visit, authorities may:

• not let you enter 

You may need to provide biometric fingerprints for the visa application process.

After you get your Russian visa, check your passport details are correct, including the following:

• passport number
• date of birth
• intention of stay
• validity dates

If there are errors, return your passport to the  Russian Embassy or Consulate  for correction.

It's impossible to amend visa details once you're in Russia.

Discuss your travel plans with your cruise operator before you travel to check if you need a visa.

Check transit visa requirements if you transit through Russia to a third country.

• Russian Embassy
• Going on a cruise

Border measures

If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices.

Entry and exit conditions can change at short notice. Contact the nearest  embassy or consulate  for details about visas, currency, customs and quarantine rules.

Australians sanctioned by Russia

The Russian Foreign Ministry issued statements on its website advising that, in response to Australian sanctions, the Russian Government had added several Australians to a 'stop list', denying them entry into Russia on an indefinite basis.  

These statements can be viewed here (copy and paste the URL into a new browser if you can't open the link):

• 17 April 2024 statement – https://www.mid.ru/ru/foreign_policy/news/1944697/ (in Russian)
• 21 June 2023 statement -   https://mid.ru/en/foreign_policy/news/1890258/
• 16 September 2022 statement  -  https://mid.ru/ru/foreign_policy/news/1830085/  (in Russian)
• 21 July 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1823204/
• 16 June 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1818118/
• 7 April 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1808465/

DFAT can't provide advice on the implications of another country's sanctions. If you're listed, you should obtain legal advice if you have concerns about the potential impacts of the Russian sanctions. Do not travel to Russia if you're on Russia's 'stop list'. 

Other formalities

Migration card.

All foreign visitors receive a migration card on arrival in Russia.

If you receive a paper migration card, keep the stamped exit portion of the card with your passport.

The migration card covers both Russia and Belarus. You must show the stamped card to passport control when leaving either country.

If you lose your migration card:

• your departure could be delayed
• you could be stopped from staying at a hotel in Russia

You can get a replacement from the Russian Ministry of Internal Affairs, which is complex and could delay your departure.

Biometric fingerprinting

Foreign citizens entering Russia for work or intending to stay over 90 calendar days may be subject to biometric fingerprinting and regular medical check-ups. The procedure of biometric fingerprinting will need to be done only once. Medical check-ups will need to be re-taken upon the certificate's expiry (valid for 1 year).

Travel with children

If you're  travelling with a child , you may need to show evidence of parental, custodial or permission rights. This is particularly the case for dual nationals. See  Local laws

• Advice for people travelling with children

Electronics

The government strictly controls the import of electrical and some high-technology equipment.

The rules are complex.

You may import terminal global positioning systems (GPS) devices if you declare them on arrival. However, you'll need a special permit to import a GPS device connected to a computer or an antenna.

Authorities can detain you if you don't have a permit.

You must show proof of advanced approval to import a satellite phone. Request approval from the  Federal Service for the Supervision of Communications .

Russian border officials can demand to inspect any electronic device, including installed software when you leave.

Travel between Russia and Belarus

Do not travel to Russia and Belarus due to the security environment and impacts of the Russian invasion of Ukraine. If you’re in Russia or Belarus, leave immediately using the limited commercial options available or private means if it's safe to do so.

If, despite our advice, you decide to enter Belarus from Russia, note that the government doesn't allow foreigners to cross the land border between Russia and Belarus.

If you travel between Russia and Belarus, it must be by air.

If you're travelling between Russia and Belarus, you must have visas for both countries.

Visa-free entry into Belarus doesn't apply to travellers arriving from or travelling to Russia.

Contact the  Embassy of Russia  and the  Ministry of Foreign Affairs of Belarus  for details.

Registering your stay in Russia

If you stay more than 7 working days, including your arrival and departure day, you must register with the Russian Ministry of Internal Affairs.

You have to pay a registration fee.

Most hotels do this for their guests, but you're legally responsible. Confirm with check-in staff on arrival that they've registered you.

The registration process can be complex if you're not staying at a hotel.

Register at the nearest post office if you're travelling on a visitor visa.

Register through your employer if you're travelling on a visa that lets you work. Confirm with your employer that they've registered you.

If you don't register, authorities can fine you or delay your departure.

• The Russian Embassy

Visa overstays

Make sure you leave Russia before your visa expires. Some visas, including tourist visas, can't be extended.

If you overstay your visa, you won't be allowed to leave Russia until the Russian Ministry of Internal Affairs determines your legal status or deports you.

Authorities can detain you until they've processed your case.

Penalties for overstaying include fines and deportation.

You may be banned from re-entering.

Exporting goods

Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products. Seek advice from local authorities.

Russia has strict regulations on the export of antiques, artworks and items of historical significance. This is for items purchased in Russia or imported to Russia from overseas. It includes modern art and posters if they are particularly rare or valuable.

Authorities may not allow the export of items more than 100 years old.

If you want to export any antiques, artworks or items of historical significance:

• keep receipts of your purchases
• obtain an export permit from the Ministry of Culture in advance of travel — export permits aren't issued at the airport
• declare each item to border authorities when you leave Russia
• be ready to show each item to border authorities
• be ready to show receipts for each item to border authorities

Don't try to export items requiring permits without the relevant paperwork. This is a serious offence.

Legislation about the export of artwork and antiques from Russia may change without warning.

Some countries won't let you enter unless your passport is valid for six months after you plan to leave that country. This can apply even if you're just transiting or stopping over.

Some foreign governments and airlines apply the rule inconsistently. Travellers can receive conflicting advice from different sources.

You can end up stranded if your passport is not valid for more than six months.

The Australian Government does not set these rules. Check your passport's expiry date before you travel. If you're not sure it'll be valid for long enough, consider getting  a new passport .

Lost or stolen passport

Your passport is a valuable document. It's attractive to people who may try to use your identity to commit crimes.

Some people may try to trick you into giving them your passport. Always keep it in a safe place.

If your passport is lost or stolen, tell the Australian Government as soon as possible:

• In Australia, contact the  Australian Passport Information Service .
• If you're overseas, contact the nearest  Australian embassy or consulate .

If your passport is lost or stolen while ashore, you will need to obtain an emergency passport and an exit visa to leave Russia within the 72-hour visa-free period. If it’s not done within 72 hours, you will face a court hearing and possible fine, deportation and entry ban.

To arrange a new visa:

• obtain an official police report
• apply for a replacement passport through the  Australian Embassy in Moscow
• apply to Russian authorities for an exit visa
• include the police report with your application

If you replace your passport while in Russia, make sure authorities transfer your visa to the new passport.

Passport with 'X' gender identifier

Although Australian passports comply with international standards for sex and gender, we can't guarantee that a passport showing 'X' in the sex field will be accepted for entry or transit by another country. Contact the nearest  embassy, high commission or consulate of your destination  before you arrive at the border to confirm if authorities will accept passports with 'X' gender markers. 

More information:  

•       LGBTI travellers  

The currency of Russia is the Rouble (RUB).

Russian authorities have imposed temporary restrictions on the export of foreign currency in cash out of Russia. Travellers exiting Russia can't take more than the equivalent of $US10,000 in cash.

Make sure a customs official stamps your declaration. Only stamped declarations are valid.

You must carry proof that your funds were imported and declared or legally obtained in Russia.

Due to the Russian invasion of Ukraine, Mastercard, Visa, and American Express have suspended operations in Russia. Cards issued outside of Russia will not work at Russian merchants or ATMs. Cards issued inside Russia may continue to work, but they won't work outside Russia. It may not be possible for you to access your funds through Russian banks or to make payments to Russian businesses with non-Russian credit/debit cards. Be prepared with alternate means of payment should your cards be declined.

You may not be able to exchange Australian dollars as well as old, worn or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay in Russia. 

Traveller's cheques aren't widely accepted, even in Moscow and St Petersburg.

Local travel

Postal services between Russia and Australia are temporarily suspended. 

More information 

• Australia Post website

Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are disrupted. Expect thorough security checks at the border, including questioning and inspections of electronic devices.

Flights between Russia and Europe have been affected by measures taken in response to the Russian invasion of Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended.

Finland  has closed border crossings with Russia indefinitely and maritime borders will close on 15 April. 

Latvia introduced an entry ban on vehicles registered in Russia in September 2023. More information can be found on the  State Revenue Service website . There's a ban on vehicles crossing into/from Estonia at the Ivangorod-Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. 

If you're travelling through an overland border crossing into  Estonia  or  Latvia , confirm the entry requirements for your destination before arrival.

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers. Confirm entry requirements for your  destination  before arrival, as additional restrictions or entry requirements could be imposed or changed suddenly.

If, despite our advice, you decide to go to Chechnya or the North Caucasus, you must first get permission from the Russian Ministry of Internal Affairs.

Several other areas of Russia, especially in Siberia and the Russian Far East, are also 'closed' areas.

Foreigners need government permission to enter 'closed' areas.

If you need government permission or are unsure if you need it, contact the Russian Ministry of Internal Affairs.

Driving permit

You should carry an International Driving Permit (IDP).

You may drive with an Australian driver's license if you carry it with a notarised Russian translation.

Road travel

Driving in Russia can be hazardous due to:

• poor driving standards
• ice and snow in winter
• poor road conditions in rural areas

The blood alcohol limit for drivers is 0%.

• Driving or riding
• the Russian Embassy

Some taxis appear official but aren't licensed by local authorities.

People have reported extortion and  robbery  while taking unauthorised taxis. See  Safety

Book an official taxi by phone, at major hotels and from inside airports.

Flights from Russia to other countries are limited. These may change or be suspended at short notice. You should contact airlines or travel agents directly for the most current information.

The  EU announced  that 21 Russian-owned airlines were banned from flying in EU airspace due to safety concerns.

Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. If you're flying domestically or internationally, research your aviation provider before choosing their services.

DFAT doesn't provide information on the safety of individual commercial airlines or flight paths.

Check Russia's air safety profile with the  Aviation Safety Network

Emergencies

Depending on what you need, contact your:

• family and friends
• travel agent
• insurance provider

Always get a police report when you report a crime.

Your insurer should have a 24-hour emergency number.

Consular contacts

Read the  Consular Services Charter  for what the Australian Government can and can't do to help you overseas.

For consular help, contact the Australian Embassy in Moscow.  Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.

Australian Embassy, Moscow

13 Kropotkinsky Pereulok Moscow 119034 Russia Phone: (+7 495) 956-6070  Fax: (+7 495) 956-6170  Website:  russia.embassy.gov.au Twitter:  @PosolAustralia

If you're in St Petersburg, you can also contact the Australian Consulate for limited consular help.

Australian Consulate, St Petersburg

Moika 11 St Petersburg 191186 Russia Tel: (+7 964) 333 7572 (NOT for visas) Email:  [email protected]  (NOT for visas)

Check the Embassy website for details about opening hours and any temporary closures.

24-hour Consular Emergency Centre

Australians in need of consular assistance should contact the Australian Government 24-hour Consular Emergency Centre:

• +61 2 6261 3305 from overseas
• 1300 555 135 in Australia

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