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Life at Cover-More is caring, committed and packed with opportunity.

Working with cover-more group opens a world of opportunity..

Careers at Cover-More Group

Wherever you work in our global network, caring is at the core of your career with us.

We care – about our colleagues, our customers and our partners. We are optimistic and motivated.

We can be trusted to live up to our promises and be there when our customers, partners and colleagues need us the most. We’re determined and agile. We will always choose the best path forward, not the easiest. We know we are stronger together – none of us can have as big an impact than all of us together. We collaborate, we innovate, we are driven to succeed and grow. We know who we are and how to get to where we want to be.

We all belong to one global group with a shared goal of looking after our colleagues, customers, our business partners and collaborators – their dreams, aspirations and success.

By reaching across international borders and internal team structures, we’re creating a brighter future by working together.

Leadership: Driven to Inspire

Justin Sebire

Interim Group Chief Executive Officer

Justin Sebire was appointed Interim Group CEO in February 2024. In this role he oversees the group’s day-to-day operations, on top of his responsibilities as Group Chief Financial Officer, a position he has held since March 2023.

With an accomplished background as a finance executive, Justin has more than 25 years of global leadership experience in financial services, insurance and consulting in Australia, France, the UK and Japan, working with major insurance companies.

He is focused on driving growth for Cover-More Group through strategic operational and management reporting, analysis, and business planning.

Justin is based in Sydney, Australia.

Todd was promoted to Chief Executive Officer, Australia in 2023 after more than 11 years with Cover-More in progressively more senior leadership roles.

As CEO, Todd is responsible for travel insurance distribution partnerships and operations in Australia, Cover-More’s foundation travel insurance market.

Todd has deep experience in global travel and financial services industries and specialist expertise in managing large scale growth strategies and teams.

Prior to joining Cover-More, Todd spent 10 years with IBM Australia in the digital and channel partner teams. He is based in Sydney, Australia.

Donna Dorairajoo

Chief Executive Officer, Europe

Donna joined Cover-More in November 2021 as Head of Strategic Relationships and was appointed CEO of Cover-More Europe in February 2022.

With more than 20 years’ experience in the travel industry, Donna manages the integration and establishment of our European businesses, both in the business to business and direct to consumer markets. Prior to joining us, Donna was with Chubb for nine years, including three years as Vice President, Regional Head of Travel Insurance, Asia Pacific and before that she worked in Chubb’s EMEA region.

Donna is responsible for the growth of Cover-More Group’s European Business. She is based in the UK.

Will leads our Travelex Insurance Services business in the US and Canada. He brings 20 years of experience in revenue growth, distribution expansion, customer experience, customer growth and profitability in the United States and around the globe to this position. He joins Cover-More Group from his role as North America Head of Sales and Distribution, Zurich Global Ventures.

He is based in Omaha, Nebraska.

Fernando García Ruiz

Chief Executive Officer, Latin America

Fernando is an experienced regional business and people leader with a demonstrated history of achieving business goals in the insurance and services industries, and of building and developing purpose-driven high performing teams. He was promoted to CEO, Latin America for Cover-More Group in April 2024 after more than six years as CEO of Universal Assistance S.A. which was acquired by Zurich Group in 2018.

Previously Fernando was CFO with Universal Assistance and has also worked in senior roles with both Chubb and PWC in Latin America.

He is based in Buenos Aires, Argentina.

Will joined Cover-More in July 2019 and is responsible for travel insurance distribution partners and operations in New Zealand and Malaysia.

Will has 20 years’ experience in the travel industry, 14 of which have been in travel insurance.

Before joining Cover-More, he was Chief Sales Officer at Allianz Partners in New Zealand, where he worked for 10 years. Originally from the UK, Will is based in Auckland, New Zealand.

Adrian Leach

Chief Executive Officer, World Travel Protection

Adrian joined Cover-More in 2019 to head Cover-More’s global medical assistance business which spans three continents and involves highly skilled teams of doctors, registered nurses, case managers, and travel and logistics specialists.

Previously Adrian worked with International SOS in Asia Pacific, leading the assistance organisation’s business in the region for the past three years, most recently as CEO Asia Pacific. Before joining International SOS in 2010, Adrian worked as a senior executive for Linfox in logistics and supply chain specialisation. He possesses a Bachelor of Economics from La Trobe University in Melbourne and a Masters of Science from the University of Denver.

Kate Hughes

Group Chief People Officer

Kate is responsible for leading all aspects of Group Human Resources and ensuring our group has the optimum global workforce, skills and talent to achieve our strategic objectives.

Kate has more than 20 years of HR experience and joined Cover-More from Zurich Group in Switzerland where she was Group Head of Employee Experience, Diversity and Wellbeing.

She has also worked with Westpac Banking Corporation, American Express Limited and the law firm Ashurst Australia. Kate holds a Bachelor of Arts from the University of Canberra, and an MBA from Charles Sturt University.

Kate is based in Sydney, Australia.

Manuel Lewin

Group Chief Risk and Compliance Officer

Manuel is a highly experienced risk, investment and sustainability professional and joined Cover-More following 12 years with Zurich in Switzerland and the US, most recently as Head of Risk Strategy and Reporting.

His in-depth working knowledge of Zurich’s global risk and compliance frameworks is pivotal for Cover-More’s global operations and strategic growth aspirations.

Manuel is a graduate of the London School of Economics and holds a Master’s Degree in Business and Economics from the University of Basel. He is a charterholder with the Chartered Financial Analyst (CFA) institute.

Manuel is based in Sydney, Australia.

Charles Whattam

Group General Counsel

Charles leads the legal teams across our global businesses and provides critical support for the implementation of Cover-More’s growth strategy. He brings considerable industry experience in travel insurance to Cover-More as well as strong commercial acumen and understanding of government regulatory frameworks in Australia and internationally.

Before joining Cover-More, Charles was General Counsel with Chubb in Sydney and also previously worked with nib/World Nomads and with Allianz in Australia.

Charles is based in Sydney, Australia.

Interim Group Chief Information Officer

Rob joined Cover-More as Interim Group CIO in January 2024. He brings to the role more than 25 years’ experience in sectors including IT, travel, financial services and retail.

With specialist skills and experience in shaping technology and business strategy, transformation programs, cybersecurity uplift, digital and data transformations, and operating model design, Rob has worked for, and with, brands including Vodafone, TPG, iiNet, AAPT and Qantas. He is based in Sydney.

Chris Noble

Group Chief Marketing Officer

Chris joined Cover-More Group in 2021 and leads our global priorities in digital and direct channels. He oversees marketing in 15 countries across the UK, Europe, US, Latin America and Asia Pacific.

Previously General Manager and Chief Marketing Officer with online travel insurance provider World Nomads, Chris is a highly respected digital marketing specialist. He has more than 20 years’ experience in brand strategy development, e-commerce growth, strategic partnership development, team development and leadership, and community development.

Chris is based in Sydney, Australia.

James joined Cover-More Group in 2018 as Head of Operational Efficiency & Transformation and was appointed as EGM, Strategic Delivery in 2019.

James is an experienced corporate strategist and is responsible for global strategy design, performance improvement, and corporate business operational management.

Prior to joining Cover-More Group, James worked in executive consulting with EY. He is based in Sydney, Australia.

Your next career move

It takes people from all our teams, all over the world, to keep Cover-More Group improving, growing and offering the trusted insurance and assistance for which we’re known. We’re always looking for bright, creative minds to join our teams.

HOW WE HIRE

Open up a world of opportunity at cover-more.

A world of opportunity exists for Cover-More Group team members. We care, we communicate, and we empower our people to be the best they can be. The trajectory to incredible opportunities follows our trusted hiring process. Here’s what you can expect:

1: Search and apply

Start your next career move with a job search for our latest opportunities here , on LinkedIn and on other job sites, to find the perfect fit for you. Follow the application steps and attach your updated CV, if required.

2: Hello, it’s us

Our Talent team will contact successful candidates via phone or email and arrange an informal screening chat to discuss role details and your expectations. If you don’t hear within two weeks, it’s not you.

3: Interview time

If you advance, our Talent team will arrange an interview, providing all details to ensure you are fully prepared. Interviews are conducted onsite or via Teams, with two interviewers, across one to three meetings, depending on the role.

4: After the interview

The Talent team will provide feedback and advise if you will progress to the next round or receive an offer. If unsuccessful, constructive feedback will be provided, and we will keep your details on file for future opportunities.

Equal opportunity

Cover-More Group values diversity and is proud to be an equal opportunity workplace. We promote merit and fairness in our selection processes and are committed to equal employment opportunity regardless of a person’s race, ancestry, national origin, religion, age, sex, gender identity, sexual orientation, citizenship, marital status or disability. See Cover-More Group’s Policy for more information. If you have a need that requires accommodation, please let us know by contacting us or specifying in your application.

Manage Your Policy Online

Log in to our customer portal using your name and Cover-More policy number.

Your attempt to login has failed. Please check that the details you have entered match the details on your certificate of insurance and try again.

* Indicates a required field

What can I do online?

You can review and edit the key elements of your travel insurance policy, including:

• Updating your traveller details
• Customising your policy inclusions
• Editing your trip dates
• Cancelling your policy

You can find the answers to FAQs here .

You can also call us on 1300 72 88 22 (we're here to help Monday to Friday 8am - 7pm, Saturday 9am - 4pm, and Sunday 10am - 3pm AEDT) or email us at [email protected] .

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Cover-More Comprehensive Travel Insurance Review

Published: Mar 20, 2024, 2:42pm

Cover-More Travel Insurance offers Australians high-quality cover within its comprehensive plan, including unlimited medical cover that extends to Covid-19. While dental isn’t included in the unlimited medical cover, it is still covered up to $2,000. Plus, Cover-More provides automatic cover for nearly 100 sports and activities, making it a great choice for the adventurous traveller.

Related: Best Travel Insurance Providers for Australians

• Unlimited medical cover
• Maximum age limit of 99 years of age
• Automatic cover for nearly 100 sports and activities
• Snow, cruise and adventure cover cost extra
• Dental not included in unlimited medical cover
• No online discounts

Table of Contents

About cover-more travel insurance, what is covered by cover-more, does it cover me for covid, what about pregnancy, what about sports and activities, customer service.

Cover-More Travel Insurance is part of the Zurich Insurance Group, with the Australian Cover More Travel Insurance policies underwritten by Zurich Australian Insurance Limited. Cover-More was established in 1986 in Sydney, and claims to protect more than 15 million travellers per year with its policies.

The company has won numerous industry awards over the years, and its comprehensive policy has received a 3.3 star ranking from 2843 customer reviews on Australia’s leading consumer review site, ProductReview.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

Covid Cover?

Maximum age limit?

99 years old

Lost luggage cover?

Yes, up to $15,000

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Cover-More’s Comprehensive Travel Insurance policy is available for travellers up to 99 years of age, subject to meeting the acceptance criteria. Dependent children are also automatically included up to 21 years of age, provided they are financially dependent and are not in full time employment–making this policy a good choice for family holidays.

While Cover-More doesn’t state a maximum amount of credit card fraud it will cover in its comprehensive plan, it does say that it will repay the legal liability of illegal use and also provide a replacement. As for personal liability, this is covered up to $2.5 million.

Additionally, missed connecting flights are covered up to $3000, and there is cover for hire car excess up to $5000 as well. Cancellations are also covered, with the amount chosen by the customer upon taking out the policy.

Lost luggage

Yes, the Cover-More Comprehensive Travel Insurance policy includes lost luggage cover up to $15,000. Sub limits apply; however, item limits can be increased when taking out the policy if required.

Cover-More’s Comprehensive Travel Insurance policy comes with unlimited medical cover. This includes COVID-19 (as explained below) and some pre-existing medical conditions.

There are 32 conditions that are automatically covered in Cover-More’s policy, provided they meet certain criteria. These conditions include epilepsy, asthma, coeliac disease and more.

Other medical conditions require an assessment to determine whether cover will be provided, and may incur an additional premium on the policy. Cover-More urges policyholders to disclose all medical conditions upon taking out a policy to ensure the correct level of cover is provided throughout the trip.

Is Dental Cover Included in Medical?

Dental is not included in Cover-More’s unlimited medical cover. However, policyholders are covered for dental costs up to $2,000.

Related: Review of Travel Insurance Saver Insurance

Yes, Cover-More includes Covid-related medical expenses within its unlimited medical cover. There is also cover up to $5,000 for trip cancellations due to Covid, and additional expenses–such as emergency accommodation if required to isolate–are covered up to $2,500.

Related: Are You Covered for Covid?

When it comes to pregnancy, a single-child pregnancy is automatically covered with Cover-More’s comprehensive plan. For multiple babies, or if the pregnancy was IVF-assisted, policyholders must apply for extra cover upon taking out the policy.

The pregnancy cover that Cover-More provides is only up to week 24 of the pregnancy, and only for serious and unexpected complications. Childbirth is not covered.

Cover-More provides its customers with plenty of choice when it comes to cover for sports and activities on their holiday. Automatically included in the travel insurance policy are 96 different activities, which range from windsurfing and swimming with dolphins to paint balling and archery.

Some activities that are automatically included come with extra conditions in order to be covered, such as hiking/trekking only up to 2000 metres, and hot air ballooning as a passenger through an organised activity only.

Cover-More adds that all activities listed within its 96 automatic-inclusions must be undertaken recreationally and in a non-professional capacity, with certain limits and sub-limits applying.

For travellers looking for travel insurance that covers other sports and activities outside of the 96 listed, Cover-More provides optional add-ons at an extra cost. This includes adventure activities, snow packs and cruise cover.

Cover-More offers its customers 24/7 emergency assistance via a dedicated overseas medical and emergency assistance team known as Cover-More Assist. Policyholders can contact Cover-More Assist by calling +61 2 8907 5619 from anywhere in the world.

There is also a general customer service phone line, and a separate claims line. Alternatively, customers can choose to submit claims online via the Cover-More website.

Frequently Asked Questions (FAQs)

Is there a discount for cover-more travel insurance.

No. At the time of writing, there are currently no online discounts for Cover-More Travel Insurance.

Cover-More does frequently run promotions for its customers (such as the chance to win a $2,000 Visa giftcard or 15% off your policy), with these promotions and deadlines found online at the Cover-More website.

Does Cover-More Travel Insurance cover Covid-19?

Yes, Cover-More’s Comprehensive Travel Insurance policy includes cover for Covid-19. As Cover-More offers unlimited medical cover, COVID-19 related medical needs are included within this.

There is also cover up to $5000 for trip cancellations due to Covid, and additional expenses that incur due to contracting COVID-19 are covered up to $2500.

Is Cover-More Travel Insurance good?

Forbes Advisor compared a wide range of travel insurance policies to find the best choices for Australians. Cover-More Travel Insurance was rated 4.5 out of 5 stars by Forbes Advisor, and also has a 3.3 star ranking from 2,843 customers on independent site, ProductReview.

It is considered a good travel insurance option for Australians, largely due to its unlimited medical cover–which includes Covid coverage–and its many automatically included sports and activities.

Where Can I Find The Cover-More Policy Document?

Cover-More offers a range of different travel insurance policies to Australians, each with differing product disclosure statements (PDS) outlining their inclusions and limitations. The comprehensive plus policy’s PDS can be found here , while the standard comprehensive offering’s policy document can be found here .

For all PDS’ from Cover-More, including its domestic travel insurance offering , you can find them online on the Cover-More website .

Who underwrites Cover-More Travel Insurance?

Cover-More travel insurance is underwritten by Zurich Australian Insurance Limited.

How do I contact Cover-More Travel Insurance?

For general enquiries, Australians can contact Cover-More Travel Insurance by calling 1300 72 88 22.

For policy holders requiring emergency assistance, you can call Cover-More Assist 24/7 from any country on +612 8907 5619.

To make a claim over the phone, policyholders should call 1300 36 26 44.

Complaints can be made via the general enquiries line, by submitting a form online , or emailing [email protected].

Does Cover-More offer domestic travel insurance?

Yes. Along with Cover-More’s comprehensive offering, as reviewed above, the travel insurance provider also provides plans for those travelling domestically.

Cover-More’s domestic plan made it onto Forbes Advisor Australia’s list for our pick of the Best Domestic Travel Insurance , scoring 4 stars out of 5.

From our review, we found that the Cover-More Domestic policy is available for all ages up to 99 years, subject to acceptance criteria such as pre-existing medical conditions. Delays are covered up to $1000, missed connections are also covered up to the value of $2000, and the value of cancellation cover is chosen by the customer.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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Travel / Travel insurance

Taking a break, skiing or relaxing on a cruise? We’ve got travel insurance cover for whatever holiday you're planning. 

Our two travel insurance options

International travel insurance available with eligible cards.

International travel insurance for cardholders, their spouse, and accompanied children travelling with them for the entire journey, is available with these CommBank credit cards :

• Low Rate Gold
• Low Fee Gold
• Gold Awards 1 , Platinum 2 , Diamond 2 , Smart and Ultimate

And with our World Debit Mastercard™ .

For eligible credit cards​

To receive cover, including Overseas Medical cover # , before you leave Australia you must:​

1.    Spend at least $500 in a single transaction on your prepaid travel costs using your eligible credit card; and​

2.    Activate your travel insurance​

You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption. 

Once you have met the spend requirement and activated, your international travel insurance cover includes:

• Unlimited overseas emergency medical assistance
• Cancellation cover
• Lost luggage and personal belongings
• Additional cover for travel delays and more

For World Debit Mastercard TM ​​ You need to activate your insurance to receive comprehensive cover. ​​

Overseas Medical cover, which includes overseas emergency medical assistance and hospital expenses and personal liability cover is automatically included. 

Here’s what you need to know about  international travel insurance available with credit cards  and  international travel insurance available with our World Debit Mastercard (PDF) .

Doing more than relaxing? You should consider additional cover if you’re participating in activities  like skiing, motorbiking or adventure sports. A premium will apply.

Activate now

Discover more

CBA travel insurance (domestic & international)

CBA Travel Insurance has got you covered with international and domestic travel insurance plans that you can tailor for yourself (as the policyholder) and up to 10 people travelling with you for the entire journey. Plans available include:

• Comprehensive cover  including unlimited 3 overseas emergency medical and hospital expenses cover and more
• Essentials cover  is our no-frills plan which covers listed pre-existing conditions and more
• Medical only
• Cancellation only
• Domestic  for your holiday or work trip within Australia

Doing more than relaxing? You should consider additional cover if you’re participating in activities like skiing, motorbiking, or adventure sports. A premium will apply.

Get a quote

Travel insurance checklist

• Remember to check the Travel Alerts page regularly to see if there are any global events that can affect you and your travel insurance policy
• Organise your travel insurance cover as soon as your trip is booked.  Tell me more
• Once you've purchased your CBA Travel Insurance or activated your CBA credit card or debit card international travel insurance, we'll email you a Certificate of Insurance which confirms: - Period of cover - Your premium - What cover options and excess applies - Any variances to the standard terms 
• Print out and take a copy of your Certificate of Insurance with you as it may come in handy
• Tell us before you go – register your travel destinations in the CommBank app or  NetBank
• Read our  Travelling overseas: 10 step money checklist , or info about online banking while you're overseas  
• Lock Block, Limit  your CommBank credit card or Lock, Block  your CommBank debit card

How to make a claim

Your claim will be managed by cover-more, our travel insurance provider..

Make a claim online or call Cover-More, 8am-5pm Mon - Fri and 9am-4pm Sat (Sydney/Melbourne time)

• Within Australia: call Cover-More on  1300 467 951
• From overseas: call Cover-More on + 612 8907 5060   (call charges may apply)

Here's how to make a claim

In an emergency

Make a local or international call.

• Within Australia:  call Cover-More on  02 8907 5641  (24/7)
• Within Australia, to report a lost or stolen CommBank card:  call us on  13 2221  (24/7)
• From overseas:  call Cover-More on    +61 2 8907 5641  (24/7)
• From overseas, to report a lost or stolen CommBank card:  call us on + 61 2 9999 3283  (24/7)

Protect your cards & money in the CommBank app & NetBank

• Lock, Block, Limit your CommBank credit card  
• Lock, Block your CommBank debit card
• Manage your Travel Money Card
• Cancel and order replacement CommBank cards in NetBank or the CommBank app

Managing your travel insurance policy online

Update your contact details, locate your Certificate of Insurance, add or remove travellers and make changes to your travel insurance policy.

Discover how

Things you should know

1  Gold Awards cards are no longer available for sale from 23 March 2018 .

2  Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.

3 Medical and dental cover and assistance will not exceed 12 months from onset of the illness or injury. Sub-limits apply.

# For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia ( CBA ).

Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over for CBA Travel Insurance, and 80 years or over for insurance available with eligible cards), benefit limits, sub-limits and excesses may apply to all insurances. Before activating the international travel insurance included in your CommBank credit card please read the  Credit Card Insurances Product Disclosure Statement and Information Booklet  for more information. If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023 .

Before activating the international travel insurance included in your World Debit Mastercard, please read the  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.

If you have activated international travel insurance included in your World Debit MasterCard on or before 9 August 2022, please refer to the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet – effective 29 September 2021 .

Before making a decision on CBA Travel Insurance please read the  CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide  for more information.

Where used, the term “ unlimited” only means there is no capped dollar sum insured. All costs and expenses claimed must be reasonable. You are only covered for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened. Sub-limits may apply.

The target market for this product will be found within the product’s Target Market Determination,  available here .

For products offered by Cover-More, information about the Target Market can be found in the Target Market Determinations (TMD) available  here .

CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a CBA Travel Insurance policy or purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium.

CoverMore Travel Insurance: Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Planning a trip involves more than just booking flights and accommodations. Ensuring you’re covered for unforeseen circumstances through a solid travel insurance plan is crucial too.

One provider that’s become a go-to for many travelers is CoverMore. If you’re considering purchasing a policy from them, this comprehensive guide to CoverMore Travel Insurance is here to aid your decision.

In this article...

Who is CoverMore?

CoverMore is an Australian-based travel insurance provider that’s been operating since 1986.

Its experience, customer-centric approach, and extensive range of insurance products have earned CoverMore a place among the top travel insurance providers globally.

They serve millions of customers each year, providing coverage for everything from trip cancellation to medical emergencies.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does CoverMore Travel Insurance Cover?

CoverMore provides a broad spectrum of coverage to cater to various traveler needs. Let’s look at the primary aspects their policies cover:

• Medical and Dental Expenses: CoverMore provides comprehensive medical and dental coverage, which includes hospital stays, surgical procedures, outpatient treatment, and emergency dental expenses.
• Amendments or Cancellation Costs: If you have to amend your travel plans or cancel your trip due to unforeseen circumstances, CoverMore offers coverage to minimize your financial loss.
• Luggage and Travel Documents: CoverMore provides coverage for lost, stolen, or damaged luggage and personal effects. This also extends to travel documents, including passports and credit cards.
• Delayed Luggage Allowance: If your luggage is delayed by a transport provider, CoverMore provides an allowance for you to purchase essential clothing and toiletries.
• Rental Car Insurance Excess: If you plan to rent a car during your travels, CoverMore’s coverage includes rental car insurance excess.
• Resumption of Journey: If you must return home due to an unexpected event, CoverMore will cover the cost of resuming your journey.
• Hospital Incidentals: If you’re hospitalized while traveling, CoverMore provides a daily allowance to cover incidental expenses.
• Personal Liability: CoverMore provides coverage in case you become legally liable for injuring another person or damaging their property.

Why Choose CoverMore Travel Insurance?

When evaluating travel insurance options, it’s natural to wonder why you should opt for CoverMore. Here are some reasons:

• Global Assistance: CoverMore operates its own global assistance network, ensuring round-the-clock access to medical and travel specialists wherever you are in the world.
• Flexible Policies: With CoverMore, you can choose from various policy options, allowing you to find one that best suits your travel needs and budget.
• High Medical Coverage Limits: CoverMore offers high coverage limits for medical and dental expenses, which is particularly beneficial for travel to countries where healthcare costs are high.
• Wide Range of Pre-existing Medical Conditions: CoverMore considers cover for a wide range of pre-existing medical conditions, making it a preferred choice for many travelers.

CoverMore Travel Insurance: Customer Reviews

Customer reviews offer invaluable insights when you’re considering a product or service. With an average rating of 4.2 out of 5 on Product Review, CoverMore is generally well-received by its customers.

Customers frequently praise the company for its efficient claims process, helpful customer service, and comprehensive coverage . However, some customers have noted that the cost of CoverMore’s policies can be higher than some competitors.

As always, it’s essential to read policy documents carefully and ensure you fully understand what’s covered before purchasing a travel insurance policy.

CoverMore Travel Insurance vs. Other Providers

As with any service, it’s beneficial to compare CoverMore with other travel insurance providers before making a decision.

While CoverMore shines in its comprehensive coverage and high medical limits, its prices can be higher than other providers. If cost is a primary concern for you, it might be worth exploring other options.

On the other hand, if you’re looking for robust coverage and don’t mind paying a bit extra for the peace of mind, CoverMore could be an excellent choice. The decision ultimately depends on your personal needs, travel plans, and budget.

This guide has aimed to shed light on CoverMore Travel Insurance, helping you make an informed decision about whether it’s the right choice for you.

Remember, the best travel insurance policy is one that offers the coverage you need at a price you’re comfortable with.

Happy and safe travels!

FAQs about CoverMore Travel Insurance

Does CoverMore cover COVID-19 related claims? Yes, CoverMore offers coverage for COVID-19 related claims under certain conditions. Be sure to check their policy details for the latest information.

Can I get a CoverMore policy if I have a pre-existing medical condition? Yes, CoverMore considers cover for a wide range of pre-existing medical conditions. However, you must declare all conditions during the application process.

What should I do if I need to make a claim with CoverMore? If you need to make a claim, you should contact CoverMore’s claims department as soon as possible. Remember to keep all relevant documentation, as you’ll need it to support your claim.

Can I get coverage from CoverMore if I’m traveling to multiple countries? Yes, CoverMore offers travel insurance for single and multiple destinations. You’ll need to list all countries you plan to visit when applying for a policy.

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Cover-More Assist: 24/7 Emergency Assistance

Overseas medical and emergency assistance when you need it most.

Are you experiencing an emergency while on your trip? Do you need assistance or advice to help you deal with a situation during your travels?

If you’re a Cover-More Australia travel insurance customer, our Cover-More Assist team is here to help you 24/7.

What should I do during an emergency?

If you’re experiencing a life-threatening emergency, call the local emergency services in your area ASAP.

When you can or when it’s safe to do so, contact Cover-More Assist, our 24/7 overseas medical and emergency assistance team. We are here to help you at any time.

You can contact us in two ways

Please have your Cover-More travel insurance policy number and a phone number we can call you back on with you when you contact us.

When should I contact Cover-More emergency assistance?

If you are currently hospitalised, if your medical expenses will exceed $2,000, or if you want to return home early, you (or someone on your behalf) should phone our emergency assistance team - Cover-More Assist - as soon as possible. This allows us to manage your case and determine the best options for your care.

Our 24/7 emergency assistance team can also help Cover-More Australia policyholders with:

• Trip disruptions or cancellations while you’re travelling
• Locating a doctor or hospital if you become ill or injured away from home, and help connect you with an English-speaking doctor
• Dealing with lost or stolen passports or travel documents
• Finding local legal help if you require it during your trip
• Lost or damaged luggage and personal items
• Travel and weather alerts that may affect your trip or your coverage

What is the best contact number for Cover-More emergency assistance?

You can speak to our 24/7 Cover-More Assist emergency assistance team from anywhere in the world.

Through the Cover-More App

The simplest way to contact us in an emergency is through our Cover-More App. If you have downloaded and logged into our app, you can contact us by hitting the “Emergency” button within the app and then selecting “Call Now”. Your device will then automatically provide the correct number for you to call.

If you would like to download our Cover-More App, you can do so via the links below.

If you have not yet downloaded our app, you can reach our 24/7 Cover-More Assist emergency assistance team via the global numbers below. 

Global numbers to call for emergency assistance

The best emergency contact number will depend on the country you're calling from. We have local toll-free numbers available in the most popular destinations for Australian travellers:

• USA:  1800 937 9763
• Canada:  1800 645 8714
• UK:  0800 892 014
• New Zealand: 0800 445 524

Charges apply if you’re calling from a payphone or mobile phone.

If you experience any difficulties with the toll-free numbers or if you are calling from any other country, call the direct number below:

• Worldwide:  +61 2 8907 5619

Please have your travel insurance policy number and a callback number ready when you call.

If you need to fax any information through with your assistance case number or policy number, fax +61 2 9954 6250.

We’re here for you when you need us

We hope your trip goes smoothly, but if something unexpected happens, our Cover-More Assist team is here to help.

All our Cover-More Travel Insurance policyholders have access to our in-house, global, 24/7 emergency assistance team of doctors, nurses, psychologists, case managers, and support professionals work who around the clock to ensure we’re there whenever – and wherever – you need us.

For more information on who we are and our expertise in protecting travellers like you, please visit our About Us page.

Please note: 

If your trip involves travel to a country (or part of the country) the Australian Government advises travellers via  smartraveller.gov.au * to “Reconsider your need to travel” or “Do not travel”, and you choose to continue with your trip, please understand that we may not be able to provide you with emergency assistance at that location because the current situation (which is the subject of the warning) in that country (or part of the country) may limit our ability to do so.

For example: If you travel to a war zone, the airspace may be closed, which may prevent us from arranging emergency repatriation for a covered claim.

This condition applies regardless of whether your claim relates to the warning.

*Or the equivalent authority responsible in your country of residence for setting advisories for citizens and/or residents.