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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

www.covermore.com.au

Email

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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