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Choose your cover

International cover

International travel insurance plans help to protect your trip abroad and can provide cover for overseas emergency medical expenses, missed flight connections or travel delays, lost or stolen luggage, and so much more.

Going overseas?

Travel more and worry less, knowing your travel insurance is sorted if things go wrong while you're away.

Cover-More’s International Travel Insurance plans give you a choice of cover options which can provide cover for overseas emergency medical expenses, personal liability, luggage and travel documents, cancellation costs and more.

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Domestic cover

Need a little extra protection for your Australian holiday? Domestic Travel Insurance plans give Australian residents cover for expenses such as lost or damaged luggage and personal effects, cancellation costs, rental car insurance excess and more.

We can help arrange Domestic Travel Insurance for your trip, through Cover-More Travel Insurance.

Cover-More offer Domestic Comprehensive and Domestic Cancellation plans, if you’re an Australian resident travelling within Australia. Domestic travel insurance can help if something unexpected happens and you need to rearrange or cancel your trip (like if you get sick while you're away).

When you choose Domestic Comprehensive cover, your policy will include cover for:

  • Luggage and travel documents
  • Rental car insurance excess
  • Travel delays
  • Additional travel and accommodation expenses.

This cover has limits, sub-limits and exclusions, so read the Product Disclosure Statement (PDS) for full details of what’s covered.

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Single or multi-trip options

Cover-More offer a range of plans to choose from, depending on your travel needs. Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

Cover-More offer a range of plans to suit different travel needs and budgets. Annual Multi-Trip plans give you the flexibility to travel without the need to purchase a new policy for every trip. Whether you are planning just one trip this year or several, Cover-More have a range of travel insurance plans to choose from. Cover-More’s International Comprehensive Plan and Domestic Comprehensive Plan are both available as a Single Trip or Annual Multi-Trip policy. 

Travel Insurance Plan options

Annual multi-trip plans give you the flexibility to travel without the need to purchase a new policy for every trip.

  • Gives you year round cover to destinations that are over 250 km from your home.
  • Gives you year round cover to destinations that are less than 250km from home, if your trip includes at least one night of paid accommodation (like in a hotel or Airbnb).
  • The option to select your preferred trip duration and the flexibility to take an unlimited number of trips within your annual policy period. You can choose 30, 45 or 60 days on the International Comprehensive Plan, or 15 or 30 days on the Domestic Comprehensive Plan.

A Single Trip policy gives you insurance cover for one journey. If you don’t need cover for multiple trips in a year, consider if a Single Trip policy suits your travel needs.

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COVID-19 cover

If you are diagnosed with COVID-19 whilst travelling, we have benefits available on our domestic and international policies including cover for overseas medical costs.

Common scenarios for COVID-19 cover will be automatically included when taking out travel insurance with Cover-More. The level of benefits included will depend on the coverage and the type of policy you decide to purchase. COVID-19 benefits may include: 

  • COVID-19 cover for overseas medical costs1 
  • COVID-19 cover for cancellation and amendments2
  • Cover for additional COVID-19 expenses3

Here when you need us

Emergency assistance

If you need urgent help, you can call Cover-More 24/7. Depending on your needs, Cover-More can help if:

  • You need to find a medical facility or a doctor who speaks English
  • You need to pay medical bills (if your claim is approved)
  • You’ve lost your passports, travel documents or credit cards
  • You need legal help or help getting home

From Australia

If you are travelling in Australia, call 1300 889 137

From overseas

Cover-More also has numbers you can call from outside Australia. If you're in:

When you call, have your Cover-More Travel Insurance policy number handy and a phone number Cover-More can call you back on.

Claims

It’s simple and easy to make a claim. Call Cover-More to get started.

From within Australia

Call us on 1300 889 137.

From overseas

Call us on +61 2 8907 5221.

Claim online now through Cover-More’s easy, 5-step process

Step 1

Describe the incident

Step 2

Enter your expenses or losses

Step 3

Upload any supporting documents

Step 4

Provide your bank details

Step 5

Review and finalise your claim

You can save and return to an incomplete claim for up to 28 days.   

Once you've lodged your claim, Cover-More will update you on how it's progressing within 10 working days.

Policies purchased prior to 25/03/2024

For CGU Travel Insurance purchased prior to 25/03/2024 your policy is issued by Insurance Australia Limited (ABN 11 000 016 722), trading as CGU Insurance.

Make a claim

Policies purchased on or after 25/03/2024

For Travel Insurance purchased on or after 25/03/2024 your policy is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713).

Make a claim

Cover-More understand that as a result of your incident, you might already be out of pocket. That's why Cover-More try to process claims as quickly as possible.

You'll hear from Cover-More within 10 working days from the time they receive your claim.

To check your claim's progress, log into Cover-More’s online claims centre or contact them for more details.

Log in check your claim

Here when you need us

Call

Call 1300 889 137 to speak to Cover-More about an existing policy.

Call 1300 889 137

Email

Email Cover-More about an existing policy

Email Cover-More

Claim

Make a claim or check on an existing policy online.

Make a claim

Important information

Limits, sub-limits, conditions and exclusions apply. Any advice provided is general only and does not consider your needs or financial situation. To see if the product is right for you, always consider the Product Disclosure Statement and Target Market Determination.

Cover is subject to limits, sub-limits, conditions, and exclusions in the PDS. Travel insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713), and promoted and distributed by Insurance Australia Limited (ABN 11 000 106 722; AFSL 227681) trading as CGU Insurance and its distribution partners (including Police & Nurses Limited (P&N Bank) (ABN 69 087 651 87; AFSL 240701)). Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined PDS/FSG to decide if this product is right for you. For information on the Target Market see the Target Market Determinations.

Covid-19 Cover Disclaimer

  1. Medical cover will not exceed 12 months from onset. Medical evacuation cover subject to claim approval. 
  2. Conditions and limits apply to COVID-19 cancellation cover. Cancellation cover applies to the International and Domestic Comprehensive policies. See the Combined FSG/PDS for more information.
  3. Cover is for reasonable Additional accommodation expenses (room rate only) and Additional transport expenses. Conditions apply to COVID-19 additional expense cover. See the Combined FSG/PDS for more information.