One medical emergency overseas can cost more than your entire holiday. For a few dollars a day, you can travel with the confidence that whatever happens — you're covered.
Travel is one of life's great joys. But overseas medical costs, cancelled flights, lost luggage and unexpected emergencies are a reality — and without insurance, they can be financially devastating.
A simple broken leg or appendicitis in the USA can generate a hospital bill that would make your eyes water. The US has no reciprocal healthcare agreement with Australia — you're on your own without insurance.
US hospital stays can exceed $10,000 per nightAirlines cancel and delay flights. When yours goes wrong, the cascading costs — hotels, new flights, missed pre-paid activities — add up fast. Insurance means you're not footing that bill alone.
Average disruption claim: $1,200–$3,500Airlines lose over 6 million bags every year worldwide. If yours is one of them, the airline's compensation is often far less than the actual value of what you've lost. Insurance bridges that gap.
Airline liability typically capped at ~$1,800 AUDA family emergency, sudden illness or unexpected job loss can force you to cancel a trip you've already paid for. Without cancellation cover, those non-refundable costs — flights, hotels, tours — are gone.
Average trip cancellation claim: $4,000–$12,000Cover-More travel insurance plans offer a range of protections to keep you safe and your wallet intact — wherever your travels take you.
Emergency medical, dental, hospital and evacuation costs while you're overseas. The most important cover you can have.
Non-refundable costs if you need to cancel or cut short your trip due to illness, injury, death of a family member or other covered reasons.
Cover for lost, stolen or damaged luggage, clothing, electronics, documents and personal belongings during your trip.
Extra accommodation, meals and transport costs when your flight is delayed beyond a set number of hours due to circumstances outside your control.
Medical evacuation back to Australia if you suffer a serious illness or injury and require specialist treatment not available locally.
If you accidentally injure someone or damage their property while travelling, your policy may cover the legal costs and compensation claims against you.
Whether it's a quick getaway or a year abroad, there's a Cover-More plan that fits. Not sure which one's right for you? Give us a call and we'll help you choose.
Great for budget-conscious travellers who want the key protections in place without all the extras.
Our most popular plan. Broad cover for peace of mind from the moment you leave home to the moment you return.
Travel multiple times a year? One annual policy covers all your trips — no need to buy a new policy every time you go.
Exact cover limits, sub-limits and exclusions apply per plan. Always read the PDS before purchasing. Not sure which plan suits you? Call us on 1800 242 373 — we're happy to help.
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Get My QuoteInsurance is 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. Limits, sub-limits, conditions and exclusions apply. Target Market Determination · Make a Claim · Emergency Assistance
Cover can be confusing, so we've answered the things travellers most often check before buying a policy — clearly and without the fine-print runaround.
As soon as you book your trip — not the day before you fly. Buying early protects you against cancellation events that might occur before you depart, such as illness, injury or a family emergency. If something happens after you book but before you buy insurance, you could miss out on a cancellation claim.
Travel insurance typically covers the cascading costs of a cancelled flight — additional accommodation, meals and rebooking fees — rather than the airline refund itself, which is the airline's responsibility. Cover-More plans include travel delay benefits that apply when your journey is disrupted. Always check the PDS for specifics.
Some pre-existing conditions are automatically covered, while others may require an assessment and possibly an additional premium. It's important to declare all conditions when you apply — failing to disclose a condition can affect your claim, so be upfront. Call us on 1800 242 373 if you're unsure.
Yes, but there's an important catch — if you've already left home, there's a 3-day no-cover period from when you purchase the policy. This means no cover for any event that has already occurred or arises within the first 3 days. It's always better to buy before you travel.
Cover-More plans include limited COVID-19 cover on some plans. Sub-limits and conditions apply, and there is no cover for travel to destinations under a 'Do Not Travel' advisory or where government-imposed border closures are in place. Check the PDS for full COVID-19 terms before purchasing.
A single trip policy covers one specific journey from the date you leave home to the date you return. An annual multi-trip policy covers unlimited trips throughout the year, up to a set number of days per trip (typically 90 days). If you travel more than twice a year, annual multi-trip is almost always better value.
Our Gold Coast team has been arranging travel insurance for Australians for over 30 years. We'll help you choose the right cover for your trip — no jargon, no pressure.