Protect your next trip with our travel insurance
Looking for Cover-More travel insurance online? Discover more about our coverage below.
Our travel insurance plans and policy types
International Comprehensive and Comprehensive+
Our best travel insurance plans for trips that take you across the globe.
International Basic
Our essential cover for overseas medical expenses, personal liability, and luggage insurance.
Inbound Travel Insurance
Our comprehensive international travel insurance for non-residents visiting Australia.
Domestic Comprehensive and Comprehensive+
Our best travel insurance plans for short or long trips within Australia.
Annual Multi-Trip
Our annual travel insurance offers the convenience of unlimited trips (up to the number of days per trip you choose) on the one policy.
Our top travel insurance benefits and cover options
Cancellation Cover
Spent your hard-earned savings on your holiday? You can choose the cancellation cover amount that suits you and your trip.
Cruise Travel Insurance
Travelling on a cruise? If you tell us you’re staying on a boat outside of Australian coastal waters for two or more nights, you’ll need our Cruise Cover to protect your boating trip.
Motorcycle/Moped Riding Cover
You can add motorcycle/moped travel insurance coverage to your policy if you’re planning on driving or riding on one while on holiday.
Snow Sports Cover
Our option to add travel insurance coverage for skiing, snowboarding, and snowmobiling is ideal for snow holidays.
Adventure Sports Cover
We automatically provide cover for over 40 adventure activities, plus our Adventure Activities Cover option can be added to include even more experiences.
Rental Vehicle Insurance Excess Cover
Planning on hiring a vehicle while you’re away? We can provide cover for your rental car insurance excess in case of a mishap.
Luggage and Travel Documents Cover
Taking important items with you on holiday? We can help protect your valuables while you’re travelling.
Existing Medical Conditions
You can complete an online health assessment to confirm the appropriate travel insurance coverage for you.
Business Cover
Travelling for work? Our Comprehensive+ Plan can protect your business equipment, and provide cover for kidnap and ransom.
Want to know more? See our full range of travel insurance benefits.
Got a question about travel insurance? We're here to help
Here are five questions people love asking about travel insurance.
1. What is travel insurance?
Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.
Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.
2. How much does travel insurance cost?
The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.
At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:
- Area: higher risk areas cost more.
- Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
- Age: higher risk age groups cost more.
- Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
- Cruise Cover: additional premium applies.
- Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
- Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
- Options to vary cover (where available): additional premium applies.
While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement (PDS) to ensure your needs are adequately covered should an incident occur.
3. How does travel insurance work?
Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.
The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.
However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-hour emergency assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.
Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.
4. What does – and doesn’t – travel insurance cover?
Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the Product Disclosure Statement before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.
For full details of the exclusions within our Cover-More travel insurance plans, consult the PDS .
5. When is the best time to purchase travel insurance?
The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.
Expert assistance when you need it the most
No one wants – or expects – to encounter an emergency situation while travelling overseas. But, sometimes, things can go wrong unexpectedly, no matter how cautious you are during your travels.
If the unthinkable does happen while you're on your trip, we can provide emergency assistance and support to get you back on track.
Here's how we recently helped Australian traveller Irena Caldwell when she unexpectedly became ill during an overseas holiday.
Need travel insurance for one of these popular destinations?
How to choose the right travel insurance for your trip
Our Cover-More travel insurance plans cover more of what’s important. However, each plan has different benefits and coverage conditions, so please consider your own needs carefully.
Our most comprehensive plans come with the benefits that are most important to you, including:
- Overseas medical expenses
- Overseas emergency dental expenses cover
- Luggage and travel documents cover
- Rental vehicle insurance excess
- 24-hour emergency assistance
- 21-day cooling-off period*
You can compare our Cover-More travel insurance plans side-by-side to find the level of cover and benefits that fit your budget and your journey. When you’re ready, you can get a quick quote online or call us on 1300 72 88 22 to find a policy that best suits your needs.
Reminder: before you consider purchasing our travel insurance, please read the PDS for our full policy details.
Ready to hit the road?
Find our best travel insurance coverage for you.
* Cooling-off period available when you cancel your policy within 21 days of purchase and you have not made a claim or departed on your journey.
** You can find a full list of automatically covered conditions on the Product Disclosure Statement (PDS) of your chosen policy.