Cover-More Travel Insurance Reviews

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.

Cover-More Travel Insurance reviews
Overall rating 6.5/10

Customer Experience

6.6/10
6.6/10

Claims Experience

5.9/10
5.9/10

Value for Money

6.6/10
6.6/10
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Covermore Scam

Review by Mackenzie Ferrier | 09 November 2018, 15:11 PM | 0 comment Reviewed by Mackenzie Ferrier on 09 November 2018, 15:11 PM

Booked a cruise just after Christmas for me and my wife and our two friends in May. Unfortunately due... Read more

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Worst insurance company Ive dealt with in 50 years

Review by Paul | 05 November 2018, 11:24 AM | 0 comment Reviewed by Paul on 05 November 2018, 11:24 AM

This review is in relation to a cancelled Ryan Air flight which caused massive disruptions to our hol... Read more

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HIGHLY DO NOT RECCOMEND

Review by Isabel | 09 August 2018, 02:16 AM | 0 comment Reviewed by Isabel on 09 August 2018, 02:16 AM

I went overseas to Hawaii in July 2017, resulted in having an allergic reaction and had to go to Hosp... Read more

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Not for Diabetics

Review by Sahs Veitch | 01 August 2018, 14:55 PM | 0 comment Reviewed by Sahs Veitch on 01 August 2018, 14:55 PM

Covermore used to cover Type 1 Diabetics automatically as long has you have a hba1c under 9. They now... Read more

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Delay tactics

Review by Glenn Sowter | 12 July 2018, 12:36 PM | 0 comment Reviewed by Glenn Sowter on 12 July 2018, 12:36 PM

Followed their advice whilst overseas. Now are facing endless delays in being paid. Very poor custome... Read more

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Unacceptable Delay

Review by Grahame | 19 April 2018, 15:53 PM | 1 comment Reviewed by Grahame on 19 April 2018, 15:53 PM

Annual policy taken out March 2017. Cancelled Norfolk Island trip as needed pacemaker October. Compl... Read more

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Dismissive and distressing

Review by Kathy M | 13 April 2018, 16:06 PM | 0 comment Reviewed by Kathy M on 13 April 2018, 16:06 PM

Interesting that positive reviews relate to ease of insurance purchase, not claiming. Interacting wi... Read more

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Just dont use them

Review by Colin Murray | 20 December 2017, 15:50 PM | 0 comment Reviewed by Colin Murray on 20 December 2017, 15:50 PM

Utterly a rip off and flight centre are as bad for selling the dodgy policies. Shall not use either a... Read more

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Cover-less! Waste of money

Review by Rose | 17 November 2017, 17:17 PM | 1 comment Reviewed by Rose on 17 November 2017, 17:17 PM

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 decency / DO NOT USE

Review by Jessica Evans | 07 November 2017, 12:30 PM | 1 comment Reviewed by Jessica Evans on 07 November 2017, 12:30 PM

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 Reviewed by Sarah on 30 October 2017, 12:40 PM

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 Reviewed by Wayne on 20 October 2017, 15:41 PM

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

age limit
Under 84
age limit
Under 75
multi trip duration
60 days
luggage cover
$500 per item limit
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