Covermore.com.au Reviews

Based on looking at the website, Covermore.com.au appears to be a robust travel insurance provider offering a comprehensive range of policies designed to cover various travel needs, from basic essentials to extensive medical and cancellation benefits.

They cater to a broad spectrum of travelers, including solo adventurers, families, seniors, and those with existing medical conditions.

The platform emphasizes 24/7 emergency assistance, an award-winning mobile app, and a clear claims process, aiming to provide peace of mind for travelers exploring both domestic and international destinations.

Covermore.com.au positions itself as a long-standing expert in the travel insurance space, with over 35 years of experience and having covered more than 15 million travelers since 1986. Their commitment to customer support is evident through readily available contact channels, including phone and email, and a dedicated emergency assistance line.

The website highlights various plan options, such as International Basic, International Comprehensive, and Premium International Comprehensive, each offering different levels of coverage for medical emergencies, luggage, and cancellation costs, including specific provisions for COVID-19 related incidents.

They also offer specialized covers for cruises, snow sports, adventure activities, and motorcycle/moped travel, suggesting a flexible approach to diverse travel styles.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Understanding Covermore.com.au’s Travel Insurance Offerings

Covermore.com.au positions itself as a comprehensive travel insurance provider, offering a variety of plans tailored to different traveler profiles and trip types. This isn’t a one-size-fits-all deal.

They understand that a backpacker’s needs differ wildly from a family on a cruise or a senior enjoying an extended holiday.

It’s about matching the right cover to your specific adventure, ensuring you’re not over-insured for a simple weekend getaway but adequately protected for a complex international journey.

Types of Travel Insurance Plans Available

Cover-More breaks down their offerings into several key plan types, designed to provide flexibility.

It’s like picking your ideal gear for an expedition – you wouldn’t bring mountaineering boots for a beach stroll, right?

• Single Trip Policies: Ideal for one-off holidays, whether domestic or international. This is your go-to if you only travel once or twice a year and want specific coverage for that particular journey.
• Annual Multi-Trip Policies: For the frequent flyer, this policy covers an unlimited number of trips within a 12-month period, provided each trip doesn’t exceed a certain duration e.g., 30, 45, or 60 days, depending on the chosen plan. This can be a significant time and cost saver if you’re hitting the road regularly.
• Inbound Plan: Specifically designed for non-Australian residents visiting Australia. This is crucial for international visitors who need local protection while exploring the land down under.
• Domestic Plans: For those exploring Australia without crossing international borders. While often overlooked, domestic travel still carries risks, from flight delays to unexpected medical needs far from home.
• International Plans Basic, Comprehensive, Premium: These plans offer varying levels of cover for overseas travel.
  • International Basic: Covers essential needs, including limited overseas emergency medical expenses and some luggage cover. It’s the lean, mean, budget-friendly option.
  • International Comprehensive: Their most popular option, offering higher benefit limits for medical expenses, luggage, and includes pre-trip and on-trip COVID-19 cover. Think of it as the balanced choice.
  • Premium International Comprehensive: The “more is more” plan, providing the highest benefit limits, extensive luggage cover, and additional perks like business trip benefits. This is for those who want maximum peace of mind.

Key Benefits Across Plans

Regardless of the specific plan, Cover-More highlights several core benefits that are generally included or available as optional add-ons, forming the bedrock of their protection.

• Unlimited~ Overseas Emergency Medical Expenses: A critical component for any international travel insurance. This covers costs for medical treatment, hospital stays, and emergency evacuation. The ‘~’ indicates conditions, such as cover not exceeding 12 months from the onset of the illness, condition, or injury.
• Luggage Cover: Protection against loss, theft, or damage to your belongings. Benefit limits vary significantly between plans, ranging from $5,000 on Basic plans to $25,000 on Premium Comprehensive.
• Existing Medical Conditions Cover: A significant feature, as many insurers shy away from pre-existing conditions. Cover-More offers an online medical assessment to determine eligibility and potential additional premiums.
• Optional Cancellation Cover: Allows you to recover non-refundable expenses if your trip is canceled or cut short due to unforeseen circumstances.
• Rental Vehicle Insurance Excess: Covers the excess you’d have to pay if your rental vehicle is damaged or stolen. This can save you a bundle compared to buying the rental company’s often expensive excess reduction.
• 24/7 Emergency Assistance: This is non-negotiable for serious travel issues. Their global assistance team is available around the clock to help with medical emergencies, evacuations, and other crises.

The interplay of these benefits determines the suitability of a plan for different travelers.

For example, a senior traveler with existing medical conditions would highly value the comprehensive medical coverage and the ability to declare pre-existing conditions, while an adventurer might prioritize cover for specific activities.

Cover-More’s Approach to COVID-19 and Medical Conditions

Cover-More seems to grasp this, aiming to provide clear, albeit conditional, coverage in these critical areas.

It’s about navigating the new normal of travel with a safety net, but it’s crucial to understand the fine print. Vikingassistance.dk Reviews

Detailed Breakdown of COVID-19 Coverage

The pandemic fundamentally shifted how travel insurance operates, and Cover-More has adapted its policies to address these concerns.

Their COVID-19 cover isn’t a blanket statement but rather a structured approach to specific scenarios.

• Pre-trip Cancellation/Amendment Cover: If you’re diagnosed with COVID-19 before your trip begins and certified by a qualified medical practitioner as being unfit to travel, Cover-More offers cover for amendment or cancellation costs. This applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included, with limits up to $5,000 per policy. This is a critical benefit for peace of mind, knowing that a last-minute positive test won’t necessarily mean a total financial loss.
• On-trip Overseas Emergency Medical Costs: Should you contract COVID-19 while overseas and require emergency medical treatment, Cover-More provides cover for these unforeseen medical expenses. This is part of the “Unlimited~ overseas emergency medical expenses” benefit, though specific sub-limits and conditions apply, and medical cover will not exceed 12 months from the onset. This ensures you’re not left with exorbitant hospital bills in a foreign country.
• Unanticipated Additional Expenses On-trip: If you’re diagnosed with COVID-19 while traveling and it leads to unforeseen additional expenses e.g., extra accommodation due to isolation, Cover-More may offer cover. Again, this is subject to limits up to $5,000 per policy and requires medical certification. A special excess will also apply.
• Exclusions and Limitations: It’s vital to note what isn’t covered. For example, there’s no cover for cabin confinement related to COVID-19 on cruise policies unless Cruise Cover is explicitly included. Domestic plans do not include cover for medical costs related to COVID-19, which makes sense as Medicare would typically cover this domestically. Always check the Product Disclosure Statement PDS for the most accurate and up-to-date information, as limits, sub-limits, conditions, and exclusions apply.

Handling Existing Medical Conditions

One of the biggest hurdles for many travelers seeking insurance is navigating existing medical conditions.

Cover-More appears to have a more inclusive stance compared to some competitors, offering a clear pathway for assessment.

• Online Medical Assessment: Cover-More utilizes an online medical assessment tool that allows travelers to declare all their existing medical conditions. This streamlines the process and provides a quick determination of whether cover can be provided. This is a significant advantage, as it removes the ambiguity and potential for manual underwriting delays.
• Automatic Coverage for Some Conditions: They pride themselves on providing cover for many existing medical conditions in their base plans, implying a certain level of automatic acceptance for common, well-managed conditions, provided specific criteria are met. The existing medical conditions cover page on their website provides more details on eligible conditions.
• Potential for Additional Premiums: While they aim to cover many conditions, complex cases or multiple conditions might incur an “extra premium.” This is standard practice across the industry, reflecting the increased risk. Crucially, some conditions might be included at no additional cost. The only way to know is to complete the online assessment during the quote process.
• Importance of Disclosure: The website strongly emphasizes the need to declare all existing medical conditions. Failure to do so could void your policy or lead to claims being denied. This isn’t just a suggestion. it’s a foundational requirement for valid coverage. “If you don’t declare it, you’re not covered” is the golden rule here.
• Definition of “Existing Medical Condition”: Typically, this refers to any illness, injury, or medical condition for which you’ve received diagnosis, treatment, or medication in a specified period e.g., the last 12 or 24 months before purchasing insurance, or for which you’ve been advised to seek medical attention. The PDS will contain the precise definition used by Cover-More.

Navigating these aspects of insurance requires diligence.

While Cover-More makes an effort to simplify the process, particularly with their online assessment, the onus remains on the traveler to accurately disclose information and understand the specific terms of their chosen policy.

The PDS is your definitive guide, detailing every aspect of what is and isn’t covered.

Customer Experience and Support Channels

A robust travel insurance policy is only as good as the support infrastructure behind it.

When things go sideways thousands of miles from home, you need to know you can reach out and get help, fast.

Cover-More appears to prioritize accessibility and responsive assistance, which is a major positive. Carlinkitcarplay.com Reviews

24/7 Emergency Assistance

This is arguably the most critical feature of any travel insurance.

If you’re in a car accident in Thailand or have a medical emergency in Poland, you need immediate, expert help, not a voicemail.

• Global Reach: Cover-More explicitly states their emergency assistance team is available 24/7, from anywhere in the world. This means they are equipped to handle emergencies regardless of time zone differences.
• Crisis Management: Their team can assist with a range of serious incidents, including medical emergencies arranging medical care, hospital admissions, emergency evacuations, legal assistance, and potentially helping with lost passports or travel documents. The case studies on their website, like Shannon’s dengue fever in Bali or Natalie’s boating mishap in Thailand, illustrate real-world scenarios where their assistance team stepped in.
• Contact Methods: For emergencies, the primary contact is a dedicated international phone number +61 2 8907 5619. Crucially, their award-winning app also offers a “tap-to-call” assistance button, providing a quick and easy way to connect without fumbling for numbers. This is a significant convenience feature when under duress.

General Customer Service and Claims Support

Beyond emergencies, travelers often have questions about their policy, need to make changes, or eventually file a claim.

Cover-More offers multiple avenues for these interactions.

• Phone Support:
  • Customer Service: 1300 72 88 22 for general policy questions, cover queries, amendments, etc.. Operating hours are Monday-Friday: 8 am – 7 pm AEDT. Saturday: 9 am – 4 pm AEDT. Sunday: 10 am – 3 pm AEDT.
  • Claims Team: 1300 36 26 44 for questions related to submitting or managing a claim. Operating hours are the same as customer service.
• Online Portal – “Manage My Policy”: This portal allows customers to make changes to their policy online up until the trip start date. This includes amending traveler names, contact details, travel dates, and even cover options. You’ll need your Certificate of Insurance and mobile phone number to access it. This self-service option is highly convenient for minor adjustments.
• Email: While not explicitly listed with a direct email address for general inquiries on the homepage, the “Contact Us” link typically leads to a form or email option.
• Award-Winning App: As mentioned earlier, the app isn’t just for emergencies. It also stores your policy details and the Product Disclosure Statement PDS, making it easy to access all your policy information on the go. This is a smart move, ensuring travelers have all relevant documents at their fingertips.

Claims Process and Timelines

The true test of an insurance provider often lies in the claims process.

Cover-More aims to make it as straightforward as possible.

• Online Claims Tool: They offer a 24/7 online claims tool, allowing policyholders to submit claims from anywhere, at any time. This digital approach speeds up the initial submission.
• Documentation Requirements: The website emphasizes the need for supporting documentation. Their travel insurance claims page details what information and documents e.g., medical reports, police reports, receipts are required to support a claim.
• Claim Lodgement Deadline: Policyholders must lodge an online claim form within 60 days of the return date shown on their Certificate of Insurance. They are lenient if you’re waiting for documentation, advising you to contact the claims team and submit what you have while waiting for the rest. This flexibility is appreciated, as collecting documents can sometimes take time.
• Transparency: They direct users to their FAQs and the PDS for comprehensive information on making a claim, indicating a commitment to transparency regarding the process and requirements.

Overall, Cover-More appears to have a robust customer support ecosystem, leaning heavily on 24/7 emergency services and convenient digital tools like their app and online claims portal, while still providing traditional phone support for more complex queries.

This multi-channel approach aims to provide assistance whenever and wherever it’s needed.

Specialized Cover Options and Inclusions

Beyond the standard comprehensive plans, Cover-More differentiates itself by offering specialized cover options.

This is where they cater to specific niches, ensuring that whether you’re chasing thrills on the slopes or relaxing on a cruise, your unique activities are adequately protected. Virascape.com Reviews

It’s about recognizing that “travel” isn’t a monolith but a mosaic of diverse experiences.

Cruise Cover

Cruises come with their own set of unique risks and considerations that standard travel insurance might not fully address.

Cover-More offers specific “Cruise Cover” as an add-on.

• Specific Cruise-Related Expenses: This cover is essential if you’re heading out to sea for two nights or more. It’s designed to cover incidents that might occur specifically on a cruise ship.
• Medical Costs on Board: While often overlooked, medical facilities on cruise ships can be expensive, and standard health insurance typically doesn’t extend to maritime travel. Cruise Cover can help with medical costs incurred while at sea.
• Cabin Confinement: Importantly, the website mentions that there is no cover for cabin confinement related to COVID-19 unless Cruise Cover is explicitly included. This highlights the necessity of this add-on for cruise passengers in the current environment.
• Disruption and Evacuation: It likely covers aspects like cruise itinerary changes, missed ports, or emergency evacuation from the ship if required due to a medical emergency. Further details would be in the PDS.

Snow Sports Cover

For the ski bunnies and snowboard enthusiasts, hitting the slopes, whether domestically or overseas, comes with a higher risk profile.

Cover-More provides two levels of Snow Sports Cover.

• Injury and Medical Costs: This is paramount for snow sports, given the propensity for accidents. It covers medical expenses related to injuries sustained while skiing or snowboarding.
• Equipment Damage/Loss: Crucially, it would likely cover damage, theft, or loss of your own ski/snowboard equipment, or potentially even rental equipment. The exact limits and inclusions would be in the PDS.
• Piste Closure: Some snow sports cover also includes benefits for piste closure due to lack of snow or adverse weather conditions, though this would need to be confirmed in the PDS.
• Search and Rescue: In remote mountain areas, search and rescue operations can be incredibly expensive. This cover might include provisions for such eventualities.

Adventure Activities Cover

For those who view travel as an opportunity for adrenaline rushes, standard policies often exclude high-risk activities.

Cover-More’s Adventure Activities Cover is designed to bridge this gap.

• Two Levels of Cover: They offer two levels, implying different tiers of risk coverage, likely based on the intensity or inherent danger of the activity.
• Automatic Cover for 80 Activities: A significant advantage is that their base plans already provide automatic cover for over 80 “fun-packed activities” – from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding. This means many common adventure pursuits don’t require an extra add-on.
• Higher-Risk Activities: The Adventure Activities Cover is likely for those pursuits that fall outside the “80 activities” or are deemed higher risk, such as extreme sports, specific types of diving, or mountaineering. The website encourages users to “Check out the list” to see what’s automatically covered and what requires an add-on.
• Personal Liability: For adventure activities, personal liability is often a major concern if you accidentally injure someone or damage property. This cover likely includes provisions for such scenarios.

Motorcycle/Moped Cover

Traveling by two wheels, especially in Southeast Asia or Europe, is popular but carries distinct risks.

• Driver or Passenger: This cover is explicitly for those planning to travel on a motorcycle or moped, whether as the driver or passenger.
• Accident and Medical Expenses: It would cover medical expenses related to accidents involving a motorcycle or moped.
• Rental Vehicle Damage: Crucially, it would likely cover damage to the rented motorcycle/moped, which can be a significant cost if you’re involved in an accident.
• Licensing Requirements: It’s almost certain that valid licensing for both Australia and the country of travel would be a strict condition for any claim related to motorcycle/moped incidents. The PDS would detail these specific requirements.

These specialized covers demonstrate Cover-More’s understanding of diverse traveler needs. For any of these add-ons, the golden rule remains: always consult the Product Disclosure Statement PDS. This document will outline the exact inclusions, exclusions, benefit limits, and conditions for each type of specialized cover, ensuring you’re not caught off guard. For instance, specific height limits for abseiling or depth limits for might apply even if the activity is covered.

Technology and Digital Tools: The Cover-More App

Cover-More highlights its “award-winning app” as a key differentiator, aiming to provide convenience, information, and immediate support in the palm of your hand. This isn’t just a fancy accessory. Cultpens.com Reviews

It’s designed to be a practical tool for the modern traveler.

Features of the Cover-More App

The app’s utility extends beyond merely holding your policy details. It’s pitched as a comprehensive travel companion.

• Policy in Your Pocket: The most basic, yet essential, feature. Your Certificate of Insurance and the full Product Disclosure Statement PDS are digitally stored within the app. This means you don’t need to carry physical documents or worry about losing them. In an emergency, having immediate access to your policy number and coverage details is invaluable.
• Destination Information and Tips: The app provides “clever info about your destination” and “travel tips.” This could include cultural insights, local customs, practical advice on transportation, currency, or even recommendations for local experiences. This proactive approach helps travelers prepare and navigate new environments more effectively.
• Real-time Safety Alerts: A standout feature, the app can send “real-time safety alerts about incidents nearby as you’re travelling.” This is crucial for situational awareness, informing travelers about potential risks such as natural disasters, civil unrest, or significant disruptions in their vicinity. This empowers travelers to make informed decisions for their safety.
• Tap-to-Call Emergency Assistance: As previously mentioned, the app offers a direct, one-tap connection to Cover-More’s 24/7 emergency assistance team. This eliminates the need to remember or dial international numbers during a stressful situation, providing immediate access to help.
• Discover and Book Discounted! Experiences: This feature adds a leisure and lifestyle component. The app can help users “discover and book discounted! experiences” in their destination. While not directly insurance-related, it enhances the overall travel experience and provides added value to customers. This could include tours, attractions, or activities.
• Ease of Accessing Information: Beyond specific features, the app generally centralizes information. “7 ways our app can help you travel smarter” is a direct call-out on their homepage, suggesting a user-friendly interface designed for quick access to essential travel and policy-related details.

Benefits of Using a Travel Insurance App

Integrating an app into the travel insurance experience offers several tangible advantages for the traveler:

• Convenience: All essential documents and contact information are in one place, accessible even offline once downloaded. This reduces reliance on Wi-Fi or mobile data for critical information.
• Immediate Assistance: The tap-to-call feature for emergencies is a must, especially when in a foreign country and potentially facing language barriers or disorientation.
• Enhanced Safety: Real-time alerts provide an additional layer of security, allowing travelers to avoid dangerous areas or situations. This proactive safety measure is a significant benefit.
• Travel Smarter: Access to destination tips and local information helps travelers be more informed and make the most of their trip. It moves beyond just crisis management to enriching the travel experience.
• Reduced Stress: Knowing that your policy details are easily accessible and help is just a tap away can significantly reduce travel anxiety.

The emphasis on their app suggests Cover-More is investing in modern solutions to improve the customer journey.

For tech-savvy travelers, an app like this can genuinely enhance the value proposition of their travel insurance, making it more than just a piece of paper you hope you never need.

It transforms it into an active tool for safer and smarter travel.

Understanding Policy Limitations and Exclusions

While Cover-More highlights its extensive coverage and benefits, any experienced traveler or insurance policyholder knows that the devil is in the details – specifically, the limitations and exclusions. It’s crucial to approach travel insurance with the mindset of understanding what isn’t covered just as much as what is. This is where the Product Disclosure Statement PDS becomes your ultimate guide, acting as the rulebook for your policy.

The Critical Role of the Product Disclosure Statement PDS

Cover-More frequently references their PDS throughout their website, signaling its paramount importance. They even call it your “travel insurance guru.”

• Definitive Source of Truth: The PDS is a legal document that contains all the terms, conditions, benefits, exclusions, limits, and sub-limits of your policy. It’s not marketing material. it’s the contract. As Cover-More states, “it tells you everything you need to know.”
• What You’re Covered For and Not For: This document provides the explicit details of what events, circumstances, and costs are covered, and equally important, what is specifically excluded. For example, while they cover over 80 activities, the PDS will list any specific exclusions e.g., professional participation, racing.
• Benefit Amounts and Sub-limits: The PDS will detail the exact monetary limits for each benefit e.g., “Up to $15,000 luggage cover*” is an example, but the PDS will specify item limits within that overall amount. It will also outline any “sub-limits” for specific categories within a larger benefit e.g., a total luggage cover of $15,000 might have a sub-limit of $500 for a single electronic item.
• Conditions for Cover: Every benefit usually comes with conditions. For example, for COVID-19 cancellation cover, a condition is being “certified by a qualified medical practitioner as being not fit to travel.” Failure to meet these conditions can invalidate a claim.
• Cooling-Off Period: The PDS will outline the 21-day cooling-off period, during which you can cancel your policy and receive a full refund, provided you haven’t started your trip or made/intend to make a claim.

Common Exclusions and Considerations

While the PDS is the definitive source, some exclusions are common across most travel insurance policies, and Cover-More likely adheres to these, among others.

• Reckless Behaviour/Gross Negligence: Engaging in activities that are deemed reckless or illegal, or acting with gross negligence, will almost certainly void coverage. This includes intentional self-harm or being under the influence of drugs or alcohol.
• Undeclared Medical Conditions: As highlighted earlier, failure to declare existing medical conditions will lead to claims related to those conditions being denied. This is a non-negotiable.
• Pre-existing Medical Conditions Specific: Even with their emphasis on covering existing conditions, some very high-risk or unstable conditions might still be excluded, or require a significant additional premium. The PDS and the online medical assessment will clarify this.
• War, Civil Unrest, Terrorism Specific Instances: While some policies might offer limited cover for travel disruptions due to terrorism, broader conflicts or civil unrest in known danger zones are typically excluded. It’s crucial to check government travel advisories.
• Acts of God/Natural Disasters Specifics: While some policies cover delays or cancellations due to natural disasters, specific exclusions might apply, especially if a warning was issued before you purchased your policy.
• Unattended Belongings: If your luggage or valuables are stolen because they were left unattended, particularly in a public place, your claim might be rejected. Most policies require you to take reasonable care of your belongings.
• Change of Mind: If you decide to cancel your trip simply because you changed your mind, there’s generally no cover unless it falls within the cooling-off period.
• Government Travel Warnings: Traveling against specific “Do Not Travel” or “Reconsider Your Need to Travel” warnings issued by government bodies e.g., Smartraveller in Australia will often void your policy for incidents related to that warning. Cover-More mentions “Global and local events might affect your upcoming trip and travel insurance cover. Read the big print,” emphasizing this point.
• Specific Activity Exclusions: While they cover 80+ activities, highly dangerous or professional sports, or activities undertaken without proper instruction or safety gear, might be excluded or require a very specific, high-tier add-on.

The takeaway here is crystal clear: read the PDS. Don’t skim it. It’s the critical document that defines the boundaries of your coverage. For those who invest in travel insurance for peace of mind, understanding these limitations is just as important as knowing the benefits. Avada.io Reviews

Customer Reviews and Reputation Based on Website Information

While a blog post cannot delve into independent customer reviews which would require external research, we can infer Cover-More’s presented reputation and highlight how they showcase positive customer experiences on their own website.

This offers an internal perspective on how they wish to be perceived by potential customers.

Internal Showcase of Positive Experiences

Cover-More includes a section titled “True travel claims stories: our Cover-More travellers share their tales,” which serves as a testimonial hub.

This is a common marketing tactic used by companies to build trust and demonstrate their value proposition.

• Story-driven Testimonials: They present three specific examples:
  • Shannon Dengue Fever in Bali: Highlights their responsiveness in a serious medical emergency, arranging for a specialist to accompany her home from Singapore when she wasn’t responding to local treatment. Shannon’s quote, “Cover-More were absolutely fantastic… I’m so glad I had Cover-More travel insurance,” emphasizes rapid, comprehensive medical assistance.
  • Natalie Boating Mishap in Thailand: Focuses on a severe injury fractured pelvis, brain haemorrhage from a speedboat crash. Natalie’s testimonial, “Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available,” underlines their role in managing complex medical cases and ensuring quality care.
  • Irene Broken Bones in Poland: Features a fall resulting in a severe fracture. Irene’s enthusiastic review, “Amazing. I can’t praise them highly enough. Wonderful, wonderful people… Nobody should travel without insurance,” speaks to their compassionate support and the sheer financial relief provided by their cover.
• Star Ratings: Each testimonial is accompanied by a 5-star rating five filled stars, visually reinforcing the positive feedback.
• Emphasis on “Caring Team”: The narrative surrounding these stories consistently emphasizes “a caring team by your side, 24/7” and “more care, less worry.” This aims to build an emotional connection with potential customers, suggesting they are not just an insurer but a supportive partner.

Awards and Industry Recognition

Beyond individual testimonials, companies often cite awards as a mark of industry credibility. Cover-More briefly mentions this.

• “We’ve won lots and lots of awards”: This broad statement suggests they have received multiple accolades. While specific awards aren’t listed on the homepage, this claim aims to bolster their reputation as a reputable and well-regarded insurer within the travel industry. An “award-winning app” is also specifically mentioned, which is a tangible piece of recognition.
• Long-Standing History: Their statement of having “taken care of more than 15 million travellers since 1986” reinforces a long history of service and a significant customer base, implying reliability and experience.

Brand Ownership and Underwriting

Transparency about who owns the company and who underwrites the policies is crucial for consumer confidence.

• Owned by Zurich Insurance: Cover-More Group is the parent company, and Cover-More Group is owned by Zurich Insurance. This immediately links them to a major, globally recognized financial services provider, implying significant financial backing and stability. Zurich Insurance is a multinational company, which often signals a robust and well-regulated entity.
• Underwritten by Zurich Australian Insurance Limited: For Cover-More Australia policies, the underwriter is specifically Zurich Australian Insurance Limited. This clarifies the legal entity responsible for the insurance obligations, providing an extra layer of clarity for Australian consumers. This is a positive indicator of transparent corporate structure.

While the website’s review section is self-selected and designed to highlight positive experiences, it clearly aims to build confidence by showcasing their commitment to customer care, their track record, and their strong financial backing under the Zurich umbrella.

For a comprehensive understanding of overall customer sentiment, independent review platforms would need to be consulted, but based on their own presentation, Cover-More projects an image of reliability and a customer-centric approach.

Company Background and Financial Stability

Understanding the lineage and financial backing of an insurance provider is paramount.

It’s not just about a pretty website or a friendly customer service line. Thegreatcoursesplus.com Reviews

It’s about knowing they have the deep pockets and proven track record to pay out substantial claims when catastrophic events occur.

Cover-More provides clear information regarding its ownership and history, which contributes significantly to its perceived stability.

History and Experience

Longevity in the insurance industry often correlates with reliability and expertise.

• Established in 1986: Cover-More proudly states they have been “doing this for more than 35 years.” This considerable history suggests they have weathered various global events, economic cycles, and changes in travel trends, accumulating valuable experience in managing risk and supporting travelers.
• Extensive Customer Base: “We’ve taken care of more than 15 million travellers since 1986.” This statistic is a powerful indicator of their scale and market presence. Insuring such a large volume of travelers implies a sophisticated operational infrastructure and a broad understanding of diverse travel needs and potential issues. This isn’t a fly-by-night operation. it’s a major player in the Australian travel insurance market.

Ownership by Zurich Insurance

This is arguably the most significant factor underpinning Cover-More’s financial stability and reputation.

• Parent Company: Cover-More Group is the parent company of Cover-More travel insurance.
• Global Insurance Giant: “Cover-More Group is owned by Zurich Insurance.” This connection immediately elevates Cover-More’s standing. Zurich Insurance Group Ltd. is a leading multi-line insurer serving customers in both global and local markets. It is one of the world’s largest insurance companies, based in Switzerland, with operations spanning numerous countries.
• Benefits of Zurich Ownership:
  • Financial Strength: Being part of a global conglomerate like Zurich provides immense financial strength and backing. This means they have substantial capital reserves to meet their obligations, even in the event of widespread, high-cost claims e.g., during a global pandemic or major natural disaster. Travelers can have higher confidence that valid claims will be paid out.
  • Global Reach and Expertise: Zurich’s global presence likely provides Cover-More access to international networks, local expertise, and robust operational infrastructure, which is crucial for delivering 24/7 emergency assistance worldwide.
  • Regulatory Compliance: Being part of a large, publicly traded or globally recognized insurance group often means adherence to stringent regulatory requirements and high standards of corporate governance, further enhancing trustworthiness.
  • Reputation Transfer: The well-established global reputation of Zurich Insurance Group positively reflects on Cover-More, lending it an air of reliability and professionalism.

Underwriting Entity

For Australian consumers, knowing the specific underwriting entity is important for clarity and regulatory purposes.

• Zurich Australian Insurance Limited: “The underwriter for Cover-More Australia is Zurich Australian Insurance Limited.” This confirms that the policies sold by Cover-More in Australia are ultimately underwritten by Zurich’s local Australian entity. This is standard practice and clarifies the entity responsible for the insurance contract and any claim payouts within the Australian regulatory framework. This entity is regulated by the Australian Prudential Regulation Authority APRA.

In essence, Cover-More leverages its long history and vast customer base, but its ownership by Zurich Insurance Group is a strong indicator of financial robustness and global support.

For travelers, this translates to a higher degree of confidence in the insurer’s ability to fulfill its promises, especially when faced with large or complex claims overseas.

It positions Cover-More not just as a local provider but as a part of a globally connected and financially secure insurance ecosystem.

Pricing and Value Proposition

When evaluating travel insurance, pricing is often a primary consideration.

However, true value extends beyond the lowest premium to encompass the breadth of coverage, the quality of support, and the peace of mind it offers. Vaping101.co.uk Reviews

Cover-More’s website implicitly addresses its value proposition by highlighting specific features and benefits that justify its pricing, while also providing tools for quick quotes.

Factors Influencing Pricing

Travel insurance premiums are not arbitrary.

They are calculated based on a multitude of risk factors.

Cover-More’s quoting system will take these into account:

• Destination: Traveling to a country with high medical costs e.g., USA, Canada will significantly increase the premium compared to a region with lower costs e.g., Southeast Asia.
• Trip Duration: Longer trips inherently carry more risk, leading to higher premiums. An annual multi-trip policy might offer better value for frequent, shorter trips than multiple single-trip policies.
• Traveler’s Age: Age is a major factor. As travelers get older, the likelihood of medical claims generally increases, leading to higher premiums, especially for seniors. Cover-More states they cover travelers up to 99 years old, but premiums will reflect the increased risk for older age groups.
• Chosen Plan Level: The type of policy Basic, Comprehensive, Premium directly impacts the price. Higher benefit limits, more inclusions, and greater coverage for specific events naturally cost more.
• Optional Add-ons: Including specialized covers like Cruise Cover, Snow Sports Cover, Adventure Activities Cover, or Motorcycle/Moped Cover will increase the premium based on the added risks.
• Existing Medical Conditions: If pre-existing medical conditions are declared and covered, an additional premium may apply, reflecting the increased potential for medical claims. Some conditions might be covered at no additional cost, while others incur a surcharge.
• Number of Travelers: Insuring multiple individuals, especially children though Cover-More allows up to 10 accompanying children on a policy, will affect the overall cost.
• Activities: The nature of planned activities can influence pricing. While 80+ activities are included in base plans, exceptionally high-risk activities might require specific loading or even be excluded.

The Value Proposition

Cover-More aims to justify its pricing by emphasizing value beyond just the dollar amount.

• Peace of Mind: This is the core product of any insurance. Knowing you have 24/7 global emergency assistance, comprehensive medical cover including COVID-19, and protection for your belongings allows you to “Holiday more, worry less.” This intangible benefit is often priceless when things go wrong.
• Extensive Coverage Options: The ability to tailor a policy with various plans and add-ons means you can customize coverage to your specific needs, avoiding paying for what you don’t need while ensuring you’re covered for what you do. This flexibility adds value.
• Award-Winning Service and Technology: The mention of an “award-winning app” and a proven track record 15 million travelers covered suggests a commitment to quality service and leveraging technology for customer benefit. The app’s features, like real-time alerts and tap-to-call assistance, add tangible value to the policy.
• Handling Complex Situations: The real-life claims stories on their website highlight their ability to manage serious medical emergencies and evacuations, which can cost hundreds of thousands of dollars without insurance. For these high-stakes scenarios, the value of robust coverage is undeniable.
• Transparency: Their emphasis on the PDS and clear communication about what is and isn’t covered e.g., specific COVID-19 limitations aims to build trust, ensuring customers understand what they are purchasing.

Getting a Quote

Cover-More makes the quoting process straightforward, which is crucial for comparing prices and understanding options.

• Easy Online Quote Tool: The website features a prominent quote box where users can enter trip details destination, dates, traveler information and instantly get a personalized quote. This allows for quick comparison across their different plan levels and optional add-ons.
• Comparison of Plans: The quote process will typically display the various plans Basic, Comprehensive, Premium side-by-side, detailing their respective benefits and costs, helping customers choose the best fit for their budget and needs.
• Medical Assessment Integration: The online quote process integrates the medical assessment, which is a key step in determining the final premium if existing medical conditions are declared.

Ultimately, Cover-More’s pricing will vary based on individual circumstances, but their value proposition revolves around comprehensive coverage, tailored options, reliable 24/7 support, and a history of successful claims handling, all underpinned by the financial strength of Zurich Insurance.

For many travelers, the peace of mind offered by such a robust provider justifies the investment.

Frequently Asked Questions

What is Covermore.com.au?

Covermore.com.au is the official website for Cover-More, an Australian-based travel insurance provider.

They offer a range of travel insurance policies for domestic and international travel, including various levels of coverage for medical emergencies, cancellations, luggage, and specialized activities. Trycobio.com Reviews

Is Cover-More a reputable travel insurance company?

Yes, based on the website, Cover-More appears to be a reputable company with over 35 years of experience, having covered more than 15 million travelers since 1986. They are owned by Zurich Insurance Group, a major global insurer, which suggests significant financial backing and stability.

What types of travel insurance plans does Cover-More offer?

Cover-More offers several types of plans, including Single Trip, Annual Multi-Trip, Inbound for visitors to Australia, Domestic, and various tiers of International Plans Basic, Comprehensive, Premium International Comprehensive.

Does Cover-More cover COVID-19 related incidents?

Yes, Cover-More offers specific COVID-19 benefits on their International Comprehensive and Premium International Comprehensive plans, including pre-trip cancellation cover if diagnosed before departure and on-trip emergency medical expenses if diagnosed while traveling overseas, subject to conditions and limits.

Can I get Cover-More travel insurance if I have existing medical conditions?

Yes, Cover-More states they provide cover for many existing medical conditions.

They have an online medical assessment tool that allows you to declare your conditions, and they will advise if cover can be provided, potentially with an additional premium or at no extra cost.

How do I get a quote from Covermore.com.au?

You can get a quick quote by filling in your trip details destination, dates, traveler information in the quote box on their homepage or any page across the site and clicking the “Get quote” button.

What is the Cover-More app and what does it do?

The Cover-More app is an award-winning mobile application that allows you to access your policy details, the PDS, destination tips, real-time safety alerts, and provides a tap-to-call button for 24/7 emergency assistance.

How long does it take to lodge a claim with Cover-More?

You must lodge an online claim form within 60 days of your return date as shown on your Certificate of Insurance.

They encourage you to contact them if you’re waiting for documentation but need to start the process.

What is the 21-day cooling-off period?

The 21-day cooling-off period allows you to cancel your Cover-More policy and receive a full refund if you decide not to take it, provided you haven’t started your trip and haven’t made or intend to make a claim during this period. Binomo.com Reviews

Who underwrites Cover-More travel insurance policies in Australia?

Cover-More Australia policies are underwritten by Zurich Australian Insurance Limited, which is part of the global Zurich Insurance Group.

Does Cover-More offer 24/7 emergency assistance?

Yes, Cover-More provides a 24/7 global emergency assistance team that can be contacted from anywhere in the world for urgent situations.

Can I amend my Cover-More travel insurance policy after purchasing it?

Yes, you can make changes to your policy details, such as traveler names, contact details, travel dates, and cover options, up until the trip start date via their “Manage My Policy” online portal or by calling their customer service team.

Does Cover-More cover specific adventure activities?

Yes, Cover-More’s base plans automatically cover over 80 activities like abseiling, archery, and snorkelling.

For higher-risk activities, they offer two levels of optional Adventure Activities Cover.

Is Cruise Cover automatically included in all plans?

No, if you’re heading on a cruise for two nights or more, you’ll need to specifically include their optional Cruise Cover, as standard plans may not cover specific cruise-related expenses or incidents like cabin confinement due to COVID-19.

What is the maximum age for Cover-More travel insurance?

Cover-More covers travelers up to 99 years old, with specific provisions for seniors, reflecting their commitment to older travelers.

Can I buy Cover-More travel insurance if I’m already overseas?

Yes, you can purchase a Cover-More policy while already overseas, but there will be a three-day waiting period before your cover officially begins.

How many children can be included on a Cover-More family policy?

You can include a maximum of 10 accompanying children on their leisure and business policies, provided they are your own children or grandchildren, have the same itinerary, are under 21, financially dependent, and not in full-time employment.

Where can I find the full terms and conditions of my Cover-More policy?

The full terms, conditions, benefits, exclusions, and limits are detailed in the Product Disclosure Statement PDS, which is available on their website and also within their mobile app once you’re a customer. Aurumexchange.uk Reviews

What should I do if I have an emergency while traveling with Cover-More insurance?

If it’s an emergency, you should contact their emergency assistance team immediately on +61 2 8907 5619 from anywhere in the world, or use the tap-to-call feature in their mobile app.

Why should I consider Cover-More travel insurance?

Cover-More emphasizes its 35+ years of experience, coverage for 15 million+ travelers, 24/7 global emergency assistance, diverse range of plans including COVID-19 and existing medical conditions cover, award-winning app, and being backed by Zurich Insurance.