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Cover-More Travel Insurance Reviews

Cover-More has been providing travel insurance to Australians travelling domestically and internationally for more than 25 years. With many different levels of cover, there’s a policy to suit every budget. Policies are available to those under 84 years. Dependants travel for free with parent or grandparent. They offer 24/7 emergency assistance no matter where you are in the world. Underwritten by Zurich Australian Insurance Limited.

Overall rating 6.5/10

Customer Experience

6.5/10
6.5/10

Value for Money

6.4/10
6.4/10

Claims Experience

6.3/10
6.3/10
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Cover-less! Waste of money

Review by Rose | 17 November 2017, 17:17 PM | 0 comment

Covermore used to be a reputable company. In July, unknown to us, they were taken over by Zurich Ins... Read more

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Misleading insurer / Complete lack of common decenc...

Review by Jessica Evans | 07 November 2017, 12:30 PM | 0 comment

This is a genuine warning to ALL Australians travelling to avoid using Cover-More at all costs, not a... Read more

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Wouldn't Bother

Review by Sarah | 30 October 2017, 12:40 PM | 0 comment

We had top cancellation coverage. Husband had Routine nose op. 1 mth B4 travel Even paid $500 for ... Read more

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Cover-Less

Review by Wayne | 20 October 2017, 15:41 PM | 1 comment

They should be called Cover-Less. Our trip was cancelled due to the hurricane in Antigua. They woul... Read more

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Do not insure with Cover-More

Review by Pixie | 04 September 2017, 10:29 AM | 0 comment

Still waiting for payout after 6 months. Had emergency surgery a week before trip and still waiting f... Read more

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Two good experiences with them

Review by Dee Z. Treezy | 11 April 2017, 13:34 PM | 0 comment

I travel a lot and I have always paid my travel insurance with Cover-More.

Throughout the y... Read more

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Covermore are nothing but a disappointment

Review by Gretta Folan | 03 March 2017, 09:40 AM | 0 comment

My mum got sick and died overseas whilst we were away on a family holiday in Ireland. I rang covermor... Read more

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Cover-More Insurance (SCAM - DONT USE THEM)

Review by Mark Goode | 19 January 2017, 11:18 AM | 0 comment

We were sold Covermore insurance by Flight Centre in Frankston. The premium was 15% on top of the tot... Read more

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Absolutely terrible

Review by John Black | 06 December 2016, 09:02 AM | 0 comment

This would be the worst company I have ever dealt with. We arrived in the US, and my wife suffered a ... Read more

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Told by doctor not to travel

Review by christeen | 29 November 2016, 09:15 AM | 0 comment

Surgeon told my husband we could not travel even wrote them a letter now they wont pay us the $12,000... Read more

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Don't bother! Read the fine print and forget it...

Review by Meg | 15 November 2016, 17:04 PM | 0 comment

Purchased through Flight centre as their preferred Insurance company.
Had to make a claim after ... Read more

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Mrs

Review by Maria Taborda | 12 October 2016, 09:31 AM | 1 comment

Their excess limit is ridiculous (AUD$250)and they won't have your back when you need to claim mi... Read more

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Cover-More FAQ's

How many people can I include in my policy?

On Cover-More's website you can only buy a policy for up to 6 people.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific.

Am I covered for skiing and my equipment?

Yes if you purchase Cover-More’s snow sports activity option. This policy will cover for $1,500 worth of skiing equipment, $1,000 piste closure and $1,500 skiing pre-paid costs.

Are kids covered for free?

There is no limit on the number of children that can be covered under Cover-More Travel Insurance policies except for Corporate cover where the limit is 6. Accompanying children must be either your children or grandchildren and must be under 21 years of age and not engaged in full-time work.

Can I pay to reduce or cancel my excess?

Yes if you select their ‘buy-out’ option you can decrease your excess to nil.

What additional extras are there?

Cover-More allow you to increase the single item for luggage up to $4,500 by paying an additional premium. For multiple items the overall increase in limits cannot increase $7,000. You can also pay to increase car hire excess to $3,500.         

Am I covered if my tour company collapses?

Nope, you're not covered for any claims arising from the insolvency of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider that provides services or accommodation.

I’m not an Australian resident- can I buy cover?

No, you can only buy cover if you are a resident of Australia and will be returning home before your policy ends. Non-Residents living outside of Australia can obtain Australian inbound travel insurance cover provided they return to their country of residence at the completion of the period of insurance (and within 18 months of the journey commencing).

What size moped or motorbike am I covered to ride overseas?

You are only insured to ride a bike up to 200cc irrespective of what’s on your license. There is no cover unless you hold a valid license in Australia for the same class of vehicle you are operating overseas, and you are wearing a helmet.

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Having too much fun? You cannot extend your current policy, but it’s no problem to just purchase a new one. If a medical condition arises before buying the second policy, this condition may now be considered a pre-existing medical condition. So make sure you notify Cover-More if your health status changes at all.

Do they cover for my rental vehicle excess?

If you are planning to hire a car overseas, you may want to take out additional car hire excess to avoid a hefty bill from the rental company in the event of an accident. Both Options and Travel Sure already have car hire excess in place but you have the power to increase this excess to $3,500 for an additional premium loading. You are only covered for a rented sedan, campervan, hatchback or station-wagon (including 4WDs) rented from a licensed motor vehicle rental company.

Who underwrites them?

Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).

What's their cooling off period?

15 days.

Where are they based?

Sydney!

FOUR FAST FACTS

Under 84
Under 75
60 days
$500 per item limit
or
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