Cover-More Travel Insurance

Cover-More Travel Insurance: travel insurance for the Australian market

Cover-More Travel Insurance is a travel insurance company operating in Australia and presents itself as the official travel insurance partner of the NRL. The company states it has helped Australian travellers "worry less" since 1986. Its offering is structured around international, domestic and inbound plans, with the option to add extra cover depending on the itinerary.

International plans and cover

The company offers three main tiers for overseas travel: International Basic, International Comprehensive and International Comprehensive+. The Basic plan is aimed at those looking to cover the essentials on a tight budget; Comprehensive is the most popular according to the company; and Comprehensive+ extends benefit limits. All include pre-trip cancellation cover related to COVID-19, overseas medical expenses with no stated limit, luggage cover, smartphone cover and travel delay cover, with amounts varying by plan.

The company also offers plans for domestic travel, cruises, inbound travel to Australia and specific cover for skiing and snowboarding, motorcycles and mopeds, adventure activities, senior travellers and pre-existing medical conditions.

Emergency assistance and additional services

Cover-More provides its policyholders with an emergency assistance team made up of doctors, nurses, case managers and travel agents, available 24 hours a day, seven days a week. The company recommends contacting this team in the event of hospitalisation, if medical expenses exceed $2,000 or if you wish to return earlier than planned.

Among the complementary services, the website mentions the possibility of earning Velocity Points (3 points per dollar spent) by entering the Velocity number when getting a quote, and payment via Afterpay for policies between $50 and $600. A dedicated mobile app and travel alerts are also offered.

COVID-19 cover and pre-existing medical conditions

International plans include cover for medical expenses due to COVID-19, cancellation or modification of the trip due to a COVID-19 diagnosis and additional expenses, with specific conditions and limits. Cover does not extend to government border closures, lockdowns, self-isolation, quarantine, mandatory tests, close contacts, cruise cabin confinement or medical expenses if travelling to a country with a COVID-19 "do not travel" advisory on smartraveller.gov.au.

Regarding pre-existing medical conditions, the company automatically covers several conditions and allows you to apply for cover for others through an online medical assessment, with a possible additional premium.

Activities covered and target audience

The company states that its plans include automatic cover for 80 activities, from snorkelling to sleigh riding, and markets specific products for senior travellers, ski and snowboard trips, motorcycles and mopeds, and adventure activities. It also offers an inbound plan for non-resident visitors to Australia, covering unforeseen emergency medical and dental expenses, provided they are not eligible for Medicare.

Presence and contact

The company operates in Australia and its domain is covermore.com.au. The customer service phone number listed on the website is 1300 72 88 22. The company presents itself as the official travel insurance partner of the NRL.