Cover-More Reviews & Buyer Experiences

Cover-More is an established Australian travel insurance brand focusing on providing medical and travel coverage for a variety of traveller needs. The company is recognized for its medical protection, including emergency overseas expenses and COVID-19 coverage. It aims to support diverse travellers, from budget-conscious to those requiring premium plans.

Cover-More offers a range of insurance packages tailored to different types of travellers, including options for adventure activities, seniors, and pre-existing medical conditions. Its services include 24/7 emergency assistance and a user-friendly online claims platform, helping customers access support quickly and efficiently. The brand positions itself as a comprehensive travel insurance provider in the Australian market.

• Wide medical and COVID-19 coverage
• Plans for over 80 adventure activities
• Coverage for pre-existing medical conditions
• 24/7 emergency support
• Online claims and dedicated app

The International Basic plan offers affordable coverage focusing on essential travel protections, including overseas emergency medical expenses and luggage cover. It is suited for travellers who want necessary protections without high costs. The plan provides unlimited overseas medical cover along with protections related to COVID-19.

This coverage includes benefits such as cover for existing medical conditions following an assessment, and up to $5,000 for luggage protection. Optional cancellation cover is also available to enhance the plan if desired. Both single trip and annual multi-trip policies can be selected based on travel needs.

The plan is designed to balance budget considerations with key coverage features, making it practical for individuals seeking essential insurance overseas. Its focus on medical emergencies and luggage provides foundational support during travel, while flexible options allow travellers to customise protection levels. Overall, it delivers cost-effective coverage for essential travel risks.

Cover-More International Basic

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The International Comprehensive plan provides extensive coverage designed for travellers needing reliable protection and flexibility. It includes unlimited overseas emergency medical expenses, ensuring support during unexpected health issues abroad.

Luggage is covered up to $15,000, and coverage extends to existing medical conditions, offering added security for those with pre-existing health concerns. Policies are available for single trips or annual multi-trip options, accommodating different travel needs.

Optional cancellation cover is offered, along with rental vehicle insurance excess cover, enhancing the overall protection for various travel situations. This plan aims to deliver broader benefits for a more comprehensive travel experience.

Cover-More International Comprehensive

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The International Comprehensive+ plan offers high benefit limits suitable for travellers requiring extensive coverage, including support for business trips. It includes unlimited overseas emergency medical expenses and up to $25,000 for luggage cover.

This plan also covers existing medical conditions, cancellation costs, and comprehensive insurance for rental vehicles. It can be purchased as a single trip or an annual multi-trip policy to suit different travel needs.

Overall, it provides a broad range of protection options designed to assist travellers with demanding itineraries, combining high limits with inclusive features for added peace of mind.

Cover-More International Comprehensive+

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Cover-More provides broad medical coverage including pre-existing conditions and extensive COVID-19 travel protection, which is beneficial for a wide range of travellers. Their plans accommodate different travel styles with multiple options and include support for seniors and business travellers, adding to their flexibility.

However, some users report long customer service wait times and challenges with rental car excess coverage claims. The claims process may also be slow and complex, particularly for non-medical situations, which could impact overall convenience and user experience.

Cover-More is an Australian travel insurer known for its comprehensive medical coverage and support for pre-existing conditions, distinguishing it from many budget providers. It provides higher emergency medical limits and more extensive COVID-19 benefits compared to Southern Cross Travel Insurance and InsureandGo Australia.

While Cover-More tends to have higher pricing, especially when bought directly rather than through partners, it offers competitive advantages such as extensive activity cover and 24/7 assistance. However, customer service responsiveness may not match that of some competitors.

• Mainstream Australian travel insurer
• Comprehensive medical coverage
• Support for pre-existing conditions
• Higher emergency medical limits
• Extensive COVID-19 benefits
• Extensive activity cover
• 24/7 assistance

• Lower emergency medical limits
• Less extensive COVID-19 benefits
• More budget-focused
• Potentially better customer service responsiveness

Cover-More offers travel insurance plans designed to meet diverse traveller needs, ranging from basic cover to premium comprehensive options. Plans provide protection for medical emergencies overseas, trip cancellations, lost luggage, rental vehicle excess, and various adventure activities. Optional add-ons are available for specific interests such as cruises, snow sports, and motorcycling.

Customisable Options include coverage for pre-existing medical conditions assessed online, cancellation and amendment protection including COVID-19 diagnosis, and the choice between single trip or annual multi-trip policies. Additional upgrades like rental vehicle comprehensive cover can be selected. This flexible structure enables travellers to tailor coverage to their itinerary and potential risks.

Cover-More’s claim process is primarily online, allowing policyholders to submit claims at any time from anywhere. The system guides users through documentation requirements, with claims typically needing to be lodged within 60 days of returning home. Medical claims are generally processed faster, while non-medical claims may require more detailed evidence.

Support Highlights include a 24/7 online claim submission portal, phone support during extended business hours, regular updates throughout claim assessment, and the option to contact emergency assistance globally. Although the process is streamlined, some customers experience delays and communication challenges, so early and detailed submission is recommended for smoother resolution.

You have a 21-day cooling-off period after purchase during which you can cancel the policy at no fee. This period allows for full cancellation as long as no travel has commenced and no claims have been made or intended. The cooling-off period applies strictly within these guidelines to ensure eligibility for a refund.

Cancellations are not permitted once the trip has started. Additionally, certain promotional or third-party purchased policies may have specific cancellation terms that differ from this standard return policy. It is important to review these terms carefully when purchasing such policies.

Policy documents and cover materials are delivered digitally across Australia via email and can be accessed through the Cover-More app. All communications and documents are provided electronically without any physical shipment. This ensures easy access and centralized management of your policy information.

Upon purchase, an email confirmation along with the policy documents is sent instantly. There are no shipping costs or tracking processes since delivery is fully digital and immediate. This approach promotes efficiency and speed for policyholders accessing their coverage details.

You can reach Cover-More for general inquiries, claims support, and emergency assistance through several contact methods. Choose the option that best suits your needs to get the support you require.

• Phone (Australia): 1300 72 88 22 (Customer service)
• Emergency Assistance International: +61 2 8907 5619 (available 24/7)
• Email: [email protected]

We encourage you to contact support whenever you need assistance. Emergency help is available 24/7 through the international phone number, ensuring you have access to aid whenever necessary.