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Cover-More Comprehensive Travel Insurance Review

Published: Mar 20, 2024, 2:42pm

Cover-More Travel Insurance offers Australians high-quality cover within its comprehensive plan, including unlimited medical cover that extends to Covid-19. While dental isn’t included in the unlimited medical cover, it is still covered up to $2,000. Plus, Cover-More provides automatic cover for nearly 100 sports and activities, making it a great choice for the adventurous traveller.

Related: Best Travel Insurance Providers for Australians

• Unlimited medical cover
• Maximum age limit of 99 years of age
• Automatic cover for nearly 100 sports and activities
• Snow, cruise and adventure cover cost extra
• Dental not included in unlimited medical cover
• No online discounts

Table of Contents

About cover-more travel insurance, what is covered by cover-more, does it cover me for covid, what about pregnancy, what about sports and activities, customer service.

Cover-More Travel Insurance is part of the Zurich Insurance Group, with the Australian Cover More Travel Insurance policies underwritten by Zurich Australian Insurance Limited. Cover-More was established in 1986 in Sydney, and claims to protect more than 15 million travellers per year with its policies.

The company has won numerous industry awards over the years, and its comprehensive policy has received a 3.3 star ranking from 2843 customer reviews on Australia’s leading consumer review site, ProductReview.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

Covid Cover?

Maximum age limit?

99 years old

Lost luggage cover?

Yes, up to $15,000

Southern Cross Travel Insurance

Medical Cover

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

$2,500 with option to increase to unlimited

Cover-More’s Comprehensive Travel Insurance policy is available for travellers up to 99 years of age, subject to meeting the acceptance criteria. Dependent children are also automatically included up to 21 years of age, provided they are financially dependent and are not in full time employment–making this policy a good choice for family holidays.

While Cover-More doesn’t state a maximum amount of credit card fraud it will cover in its comprehensive plan, it does say that it will repay the legal liability of illegal use and also provide a replacement. As for personal liability, this is covered up to $2.5 million.

Additionally, missed connecting flights are covered up to $3000, and there is cover for hire car excess up to $5000 as well. Cancellations are also covered, with the amount chosen by the customer upon taking out the policy.

Lost luggage

Yes, the Cover-More Comprehensive Travel Insurance policy includes lost luggage cover up to $15,000. Sub limits apply; however, item limits can be increased when taking out the policy if required.

Cover-More’s Comprehensive Travel Insurance policy comes with unlimited medical cover. This includes COVID-19 (as explained below) and some pre-existing medical conditions.

There are 32 conditions that are automatically covered in Cover-More’s policy, provided they meet certain criteria. These conditions include epilepsy, asthma, coeliac disease and more.

Other medical conditions require an assessment to determine whether cover will be provided, and may incur an additional premium on the policy. Cover-More urges policyholders to disclose all medical conditions upon taking out a policy to ensure the correct level of cover is provided throughout the trip.

Is Dental Cover Included in Medical?

Dental is not included in Cover-More’s unlimited medical cover. However, policyholders are covered for dental costs up to $2,000.

Related: Review of Travel Insurance Saver Insurance

Yes, Cover-More includes Covid-related medical expenses within its unlimited medical cover. There is also cover up to $5,000 for trip cancellations due to Covid, and additional expenses–such as emergency accommodation if required to isolate–are covered up to $2,500.

Related: Are You Covered for Covid?

When it comes to pregnancy, a single-child pregnancy is automatically covered with Cover-More’s comprehensive plan. For multiple babies, or if the pregnancy was IVF-assisted, policyholders must apply for extra cover upon taking out the policy.

The pregnancy cover that Cover-More provides is only up to week 24 of the pregnancy, and only for serious and unexpected complications. Childbirth is not covered.

Cover-More provides its customers with plenty of choice when it comes to cover for sports and activities on their holiday. Automatically included in the travel insurance policy are 96 different activities, which range from windsurfing and swimming with dolphins to paint balling and archery.

Some activities that are automatically included come with extra conditions in order to be covered, such as hiking/trekking only up to 2000 metres, and hot air ballooning as a passenger through an organised activity only.

Cover-More adds that all activities listed within its 96 automatic-inclusions must be undertaken recreationally and in a non-professional capacity, with certain limits and sub-limits applying.

For travellers looking for travel insurance that covers other sports and activities outside of the 96 listed, Cover-More provides optional add-ons at an extra cost. This includes adventure activities, snow packs and cruise cover.

Cover-More offers its customers 24/7 emergency assistance via a dedicated overseas medical and emergency assistance team known as Cover-More Assist. Policyholders can contact Cover-More Assist by calling +61 2 8907 5619 from anywhere in the world.

There is also a general customer service phone line, and a separate claims line. Alternatively, customers can choose to submit claims online via the Cover-More website.

Frequently Asked Questions (FAQs)

Is there a discount for cover-more travel insurance.

No. At the time of writing, there are currently no online discounts for Cover-More Travel Insurance.

Cover-More does frequently run promotions for its customers (such as the chance to win a $2,000 Visa giftcard or 15% off your policy), with these promotions and deadlines found online at the Cover-More website.

Does Cover-More Travel Insurance cover Covid-19?

Yes, Cover-More’s Comprehensive Travel Insurance policy includes cover for Covid-19. As Cover-More offers unlimited medical cover, COVID-19 related medical needs are included within this.

There is also cover up to $5000 for trip cancellations due to Covid, and additional expenses that incur due to contracting COVID-19 are covered up to $2500.

Is Cover-More Travel Insurance good?

Forbes Advisor compared a wide range of travel insurance policies to find the best choices for Australians. Cover-More Travel Insurance was rated 4.5 out of 5 stars by Forbes Advisor, and also has a 3.3 star ranking from 2,843 customers on independent site, ProductReview.

It is considered a good travel insurance option for Australians, largely due to its unlimited medical cover–which includes Covid coverage–and its many automatically included sports and activities.

Where Can I Find The Cover-More Policy Document?

Cover-More offers a range of different travel insurance policies to Australians, each with differing product disclosure statements (PDS) outlining their inclusions and limitations. The comprehensive plus policy’s PDS can be found here , while the standard comprehensive offering’s policy document can be found here .

For all PDS’ from Cover-More, including its domestic travel insurance offering , you can find them online on the Cover-More website .

Who underwrites Cover-More Travel Insurance?

Cover-More travel insurance is underwritten by Zurich Australian Insurance Limited.

How do I contact Cover-More Travel Insurance?

For general enquiries, Australians can contact Cover-More Travel Insurance by calling 1300 72 88 22.

For policy holders requiring emergency assistance, you can call Cover-More Assist 24/7 from any country on +612 8907 5619.

To make a claim over the phone, policyholders should call 1300 36 26 44.

Complaints can be made via the general enquiries line, by submitting a form online , or emailing [email protected].

Does Cover-More offer domestic travel insurance?

Yes. Along with Cover-More’s comprehensive offering, as reviewed above, the travel insurance provider also provides plans for those travelling domestically.

Cover-More’s domestic plan made it onto Forbes Advisor Australia’s list for our pick of the Best Domestic Travel Insurance , scoring 4 stars out of 5.

From our review, we found that the Cover-More Domestic policy is available for all ages up to 99 years, subject to acceptance criteria such as pre-existing medical conditions. Delays are covered up to $1000, missed connections are also covered up to the value of $2000, and the value of cancellation cover is chosen by the customer.

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

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Guide to Lodging a Complaint

At Cover-More, we are dedicated to providing our customers with consistently high levels of service.    We are committed to ensuring that we make it as easy as possible for any person to make a complaint if they are dissatisfied with Cover-More, our products, services, our complaints process or representatives. 

All our frontline staff receive ongoing training to help maintain this high standard. We help thousands of customers with their insurance needs and claim assistance. 

If you feel that you are dissatisfied with the way your matter has been handled and would like to lodge a complaint, please see below for details on how you can do this.

You can find more information on our commitment to managing complaints, and our complaints handling process, in our Internal Dispute Resolution policy available here .     

Notify us of your dissatisfaction

We endeavour to make sure our complaints management process is designed to be simple and easily accessible. Our staff are available to assist you or a representative of your choice, with making a complaint in a number of ways.

The first step is to contact us, and tell us what has happened. You can include any supporting documentation that will help us properly consider the matter, or lodge your complaint verbally by talking to our call centre staff If you require assistance with lodging a complaint, our call centre staff will endeavour to make the process as easy as possible for you, including dealing with a representative if you would like someone to assist you with making the complaint. 

You can contact us in the following ways:

General complaints email: [email protected]

Internal Dispute Resolution   Private Bag 913   North Sydney NSW 2059

You can contact us directly on 1300 72 88 22

The process

We will acknowledge receipt of your complaint within 24 hours or as soon as practicable, and begin our review and investigation of the facts. Provided we have all the information that we require, we will endeavour to provide a response to your complaint within 5 business days.

If you remain dissatisfied with the outcome of the initial review, please tell us. Your matter will be separately reviewed by the Cover-More Internal Dispute Resolution team. We will advise you of the outcome of this review and outline the reasons for our decision within 15 business days.

Provided we have all the information that we require, our final review and decision will be provided to you within 30 calendar days from the date you first lodged the complaint. If we need more information or more time to investigate and respond properly to the issue, we will contact you.

If you need additional help making a complaint

We understand some people may need help to make a complaint and you are able to ask someone to speak with us on your behalf, such as a relative, friend or legal representative, where we have your consent.

Cover-More will also provide additional assistance to those who require help to understand their policy or lodge a complaint. Cover-More will take steps to ensure that all customers are provided with the service they need and will work with you or your representative to identify how best to provide you with support. Should you require additional assistance, please contact us on 1300 72 88 22 so we can provide the necessary support to help you manage your complaint.

Additional resources are available that you can access if you are hearing impaired or require translation services.

Hearing and speech impaired customers can contact us via the National Relay Service on 1800 555 727.

Customers requiring translation assistance can contact the Translating and Interpreting Service on 131 450 and request they contact us on your behalf. Alternatively, we can engage with your representative or appoint an interpreter to assist in our communications, where required.

Australian Financial Complaints Authority

Our procedures have been developed to deal fairly and promptly with your complaint. However, if you are not satisfied with our final decision, or we do not resolve your complaint within 30 calendar days, you can choose to have the matter reviewed independently by the Australian Financial Complaints Authority (AFCA). Its services are free to you, and as a member we agree to accept their decision. You have up to two years to contact AFCA after our final decision.

Call: 1800 931 678 (free call)

Address: GPO Box 3, Melbourne VIC 3001

Email: [email protected]

Website: afca.org.au

Please note: when processing travel insurance claims, Cover-More administers insurance on behalf of the Insurer, Zurich Australian Insurance Limited.

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Home insurance premiums rise but remain below historic peaks

Home insurance premiums rose 3% in the first quarter of 2024, following a severe winter for weather damage. Though prices remain below historic peaks. 1

The data from the Association of British Insurers (ABI) – which is based on prices paid rather than quotes 2 – shows the average home insurance (combined buildings & contents) premium rose to £375. Buildings-only cover rose 5% to £298 and contents-only cover remained static at £132.

The 3% quarterly rise is slightly less than Q4 2023 (+4%), but year-on-year (Q1’23 to Q1’24) home insurance premiums have increased by 19%. However, in real terms, prices sit below peaks seen in Q1’2016 when the average home policy cost £419.

2023 was a year marked by bad weather, with the worst weather-related home insurance claims on record at £573m. Most of this was caused by the succession of storms Babet, Ciaran and Debi, which struck in the final three months of last year and caused £352m of damage to homes.

The largest element of weather-related damage is caused by flooding. The ABI has repeatedly called on the government to ensure that flood defence and maintenance receives at least £1bn a year to keep pace with climate change.

However, since 2021 public investment in flood defence work has fallen short of this, meaning each year we fall further behind in our fight to resist floods.

Louise Clark, ABI’s Policy Adviser, General Insurance, said:

“An increase of the tax on insurance policies – Insurance Premium Tax (IPT) – was earmarked by government in 2016 to fund flood defences. This tax brings in billions for HMRC yet flood defence investment lags behind.

“There are other important steps we need to consider too, including reform of planning laws to prevent home building on high flood risk areas and a greater focus on climate-resilient properties.”

Notes for Editors:

1. ‘Home’ insurance refers to combined buildings and contents cover, which is the most common domestic property insurance product.

2. Data from price comparison site indices produce higher averages than actual price paid data because they are typically based on an average of multiple quotes and comparison sites attract a cross section of drivers not typical of the wider UK average. More on this on our blog .

Enquiries to:

The ABI is the voice of the UK’s world-leading insurance and long-term savings industry, which is the largest sector in Europe and the third largest in the world. We represent more than 300 firms within our membership, including most household names and specialist providers, providing peace of mind to customers across the UK

Travel Insurance You Can Trust

What country are you going to?

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

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

When are you going?

Please select the departure and return dates for your trip.

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

Who is travelling?

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

Only use as many boxes as you have travellers.

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

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

Guide to lodging a complaint

At Cover-More, we are dedicated to providing our customers with consistently high levels of service. To help ensure this, all our frontline staff receive ongoing training to help maintain a high standard. If, however, you feel your enquiry has not been handled correctly and you would like to lodge a complaint, you can find out how to do so below.

Notify us of the issue

The first step in lodging your complaint is to contact us and outline what has happened, making sure you include any supporting documentation that will help us properly consider the matter.

You can contact us via any of the below methods:

Online Form

• You can submit your complaint here using our online form .
• 0800 500 225
• General complaints email: [email protected]
• Claims complaints email: [email protected]
• Customer Relations PO Box 105 203 Auckland 1010

The process

We will consider the facts and respond to you within 10 business days provided we have all the information we require. If we need more information or more time to investigate and respond properly to the issue, we will contact you.

If you are not satisfied with our response, please tell us. We will undertake a separate review of the matter. This may be conducted by Cover-More’s Customer Relations Officer or referred to the Dispute Resolution Officer of Cover-More or our Underwriter. Provided we have the information we need, we will advise you of the outcome of this review and detail the reasons for our decision within 10 business days.

Our final review and decision will be provided to you within 45 days from the date you first lodged the complaint.

Cover-More adheres to the  Fair Insurance Code .

The Insurance and Financial Services Ombudsman

Our procedures have been developed to deal fairly and promptly with your complaint. However, if you are not satisfied with our final decision you can choose to have the matter reviewed independently by the Insurance and Financial Services Ombudsman (IFSO). Its services are free to you, and as a member, we agree to accept their decision. You have up to three (3) months to contact IFSO after our final decision.

• Insurance and Financial Services Ombudsman Phone: 0800 888 202 Post: PO Box 10-845 Wellington 6143 Email: [email protected] Website: ifso.nz

Please note: when processing travel insurance claims, Cover-More acts as an agent of the Insurer.

Please wait, generating your policy.