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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Great service from claims department.

Review by cherrytomato | 04 March 2013, 16:07 PM | 0 comment Reviewed by cherrytomato on 04 March 2013, 16:07 PM

I became very ill with suspected dengue fever whilst travelling in bali. I was in the hospital for da... Read more

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Great customer service.

Review by v_nguyen | 26 February 2013, 13:42 PM | 0 comment Reviewed by v_nguyen on 26 February 2013, 13:42 PM

Great customer service. Daughter got sick during the holidays and we were fully paid for the consulta... Read more

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Professional folks.

Review by ryanb | 26 February 2013, 12:53 PM | 0 comment Reviewed by ryanb on 26 February 2013, 12:53 PM

I have purchased covermore for my last 4 overseas trips and I feel completely confident and safe that... Read more

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Very satisfied, thanks Covermore.

Review by Bente | 26 February 2013, 12:06 PM | 0 comment Reviewed by Bente on 26 February 2013, 12:06 PM

Friendly, quick and efficient. Hubby dropped the camera and broke it. Had to buy a new camera. Made a... Read more

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They cover pre-existing medical conditions.

Review by Vanda26 | 25 February 2013, 12:09 PM | 0 comment Reviewed by Vanda26 on 25 February 2013, 12:09 PM

Buying travel insurance online was quick and easy. Both my husband and I have existing medical condit... Read more

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Expensive!

Review by jimmo1950 | 25 February 2013, 11:54 AM | 0 comment Reviewed by jimmo1950 on 25 February 2013, 11:54 AM

While cruising with my wife on the pacific ocean, I managed to get sea sick and required medical atte... Read more

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Strongly recommend.

Review by JerryW | 25 February 2013, 11:45 AM | 0 comment Reviewed by JerryW on 25 February 2013, 11:45 AM

I have used Covermore for more than 4 years for business and personal travel. Made a small claim for ... Read more

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Great customer service.

Review by dunford | 25 February 2013, 11:29 AM | 0 comment Reviewed by dunford on 25 February 2013, 11:29 AM

While travelling to China recently, my luggage was stolen/lost. The customer service made a very bad ... Read more

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Quick and easy.

Review by Maureen26 | 22 February 2013, 01:56 AM | 0 comment Reviewed by Maureen26 on 22 February 2013, 01:56 AM

Quick and easy to apply for travel insurance online. Questions were answered with pop ups and there i... Read more

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Review for cover-more travel insurance by hillybilly4

Review by hillybilly4 | 22 February 2013, 01:12 AM | 0 comment Reviewed by hillybilly4 on 22 February 2013, 01:12 AM

I found it difficult communicating with Covermore since having admited to a hospital in Seattle. I ca... Read more

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Awful and difficult to deal with.

Review by moderate_expectations | 22 February 2013, 00:46 AM | 0 comment Reviewed by moderate_expectations on 22 February 2013, 00:46 AM

These guys are bad. We bought the insurance knowing that my wife was pregnant. Just before the start ... Read more

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Surprisingly painfree claims process

Review by samuelong | 22 February 2013, 00:14 AM | 0 comment Reviewed by samuelong on 22 February 2013, 00:14 AM

I tore my meniscus midway through my trip. I have never made an insurance claim in my life and I thou... 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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