Cover-More Travel Insurance
Disclaimer:
Cover-More is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.
Policy Options Available from Cover-More
Premium: The Premium travel insurance policy from Cover-More offers comprehensive benefits to cover you on international trips. This policy is available with both single and multi-trip options.
Medical Only: This plan offers unlimited overseas medical and dental cover for international travellers.
Inbound: This plan if for non-Australians travelling into and around Australia.
Domestic: This plan offers basic cover for local Australian travellers in and around Australia. This option is available as both single and multi-trip domestic policies.
Domestic Cancellation: This plan offers coverage for any cancellation, travel amendments, and additional expenses at your chosen premium level.
Business: The Business plan offers cover for business travellers and their families.
Corporate: This plan covers organisations of any size for employee business travels.
| Benefit | Premium Single or Multi-Trip | Medical Only | Inbound | Domestic Single or Multi-Trip | Domestic Cancellation |
| Overseas medical and dental | Unlimited | Unlimited | $10,000,000 | – | – |
| Additional expenses | Unlimited | Unlimited | $10,000,000 | $10,000 | Cover chosen |
| Amendments or cancellation costs | Cover chosen | – | Cover chosen | Cover chosen | Cover chosen |
| Luggage and travel documents | $15,000 | – | $3,000 | $3,000 | – |
| Delayed luggage allowance | $750 | – | $250 | – | – |
| Stolen cash | $250 | – | – | – | – |
| Rental Car insurance excess | $6,000 | – | – | $4,000 | – |
| Travel delay | $2,000 | – | – | $750 | – |
| Resumption of journey | $3,000 | – | – | – | – |
| Special events | $5,000 | – | – | $2,000 | – |
| Hospital incidentals | $6,000 | – | $1,000 | – | – |
| Hijacking | $5,000 | – | $2,000 | – | – |
| Loss of income | $10,400 (up to $1,733.33 per month) | – | – | $1,500 (up to $250 per month) | – |
| Disability | $25,000 | – | – | $10,000 | – |
| Accidental death | $25,000 | – | $10,000 | $10,000 | – |
| Personal liability | $2,500,000 | $2,500,000 | $1,000,000 | $200,000 | – |
| Medical and dental expenses in Australia | – | – | $1,000,000 | – | – |
* Reduced benefits may apply for seniors over the age of 70-years. Cover-More provides Travel Insurance for people 84-years and younger. If you are over the age of 84, you will need to contact Cover-More for further advice.
| Additional cover options | ||
| Benefit | Business Plan | Corporate Plan |
| Overseas medical and dental | Unlimited | Unlimited
(Not exceeding 12-months) |
| Additional expenses | Unlimited | Unlimited |
| Amendments or cancellation costs | Unlimited | Unlimited |
| Luggage and travel documents | $15,000 | $15,000 |
| Delayed luggage allowance | $2,000 | $2,000 |
| Stolen cash | $1,000 | $1,000 |
| Rental car insurance excess | $4,000 | $4,000 |
| Travel delay | $2,000 | $2,000 |
| Alternative staff | $15,000 | $15,000 |
| Special events | $2,000 | – |
| Hospital incidentals | $8,000 | $5,000 |
| Hijacking | $10,000 | $10,000 |
| Kidnap and ransom | $250,000 | $250,000 |
| Loss of income | $9,000 up to $1,000 per month | $36,000 |
| Disability | $25,000 | $50,000 |
| Accidental death | $25,000 | $50,000 |
| Personal liability | $5,000,000 | $5,000,000 |
| Extraterritorial workers compensation | – | $500,000 |
* The Business plan offers cover for seniors up to 74-years of age. The Corporate plan does not automatically offer cover for seniors over the age of 70-years, and you will need to contact Cover-More for further assistance.
General Exclusions from all Cover-More Policies
* Exclusions may vary slightly for Business and Corporate policy plans
- Claims for costs outside your insured period.
- Any consequential loss of any kind, including loss of enjoyment.
- Reckless behaviour resulting in the loss or theft of personal belongings, or bodily harm.
- Claims as a result of war, conflict, civil unrest, or political demonstrations.
- Claims arising from any unlawful act committed by yourself.
- Any government interventions, detentions, confiscations, or restrictions.
- Any circumstances where an advance warning was given by the Australian Government, such as natural disasters, terrorism, or health issues.
- Claims arising from any existing medical conditions you may have outside of the automatically covered list.
- Pregnancy after the 24th week.
- Any elective cosmetic or dental surgery while travelling.
- Attempted suicide or bodily harm resulting in a medical emergency.
- The insolvency of a travel agent, tour operator, accommodation provider, airline, car rental agent, or other service providers and their failure to provide a service.
- Participation in any high-risk activities where your safety is a concern.
Cover for Pre-Existing Medical Conditions with Cover-More
Cover-More automatically covers certain pre-existing medical conditions, with certain criteria being met, which you can read more about in the PDS. These conditions include:
* Medical conditions may vary slightly for Business and Corporate policy plans
| Acne
Allergies Asthma Bell’s Palsy Bunions Carpal Tunnel Syndrome Cataract Glaucoma Coeliac Disease Congenital Blindness Congenital Deafness Ear Grommets Epilepsy Folate Deficiency Gastric Reflux Goitre Gout |
Grave’s Disease
Hiatus Hernia Hip replacement Hypercholesterolemia (High Cholesterol) Hypertension (High Blood Pressure) Menopause Migraine Gastric Ulcer Peptic Ulcer Plantar Fasciitis Raynaud’s Disease Skin Cancer Trigger Finger Urinary Incontinence Underactive Thyroid Overactive Thyroid |
Making a Claim with Cover-More
- Complete an online form via claims.covermore.com.au and follow the pop-up prompts.
- Alternatively, you can download a form via covermore.com.au, print and complete it and send back to Cover-More via scanned email or post.
- Attach any supporting documents with your claim – read through the checklist for which documents are required.
- For postage, send to:
Cover-More Travel Insurance Claims Department
Private Bag 913
North Sydney
NSW 2059
Cover-More Contact Details
| Underwriter | Zurich Australian Insurance Limited |
| Website | http://www.covermore.com.au |
| enquiries@covermore.com.au | |
| Enquiry Number | 1300 135 800 |
| Customer service and claims | 1300 72 88 22 Fax: (02) 9202 8001 |
| Overseas Emergency Number | UK: 0800 892 014
USA: 1800 937 9763 Canada: 1800 645 8714 NZ: 0800 445 524 All other countries: +61 (0) 2 8907 5619 |
| Address | Private Bag 913, North Sydney NSW 2059 Australia |
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