PROTECT YOUR JOURNEY WITH US
We understand that travel is an adventure filled with unforgettable moments. However, unexpected situations can arise, and that’s why we offer travel insurance to ensure your peace of mind.
Travel With Confidence
INSURE YOUR TRAVELS
Travel insurance is essential to safeguard your trip against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more. With CoverMore, you can enjoy your journey with confidence, knowing you’re protected every step of the way.
Insurance Packages
INSURANCE Plans
International BASIC
Does what it says on the tin – budget friendly cover when you just want to cover the essentials.
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $5,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies
International COMPREHENSIVE
More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.
- Pre-trip cover if you’re diagnosed with COVID-19
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $15,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies and annual multi-trip policies
- Rental vehicle insurance excess
International COMPREHENSIVE
Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.
- Pre-trip cover if you’re diagnosed with COVID-19
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $25,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies and annual multi-trip policies
- Rental vehicle comprehensive insurance excess
- Business trip benefits
Insurance Packages
TRAVEL INSURANCE PLANS
Budget or blowout, high-end or low-key, only you can know which level of cover is right for your trip – we just want to help you have fun while you travel, safely. Bag packed? Let’s go!
International BASIC
Does what it says on the tin – budget friendly cover when you just want to cover the essentials.
- Pre-trip cover if you’re diagnosed with COVID-19
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $5,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies
- Annual multi-trip policies
- Rental vehicle insurance excess
Budget
International COMPREHENSIVE
More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.
- Pre-trip cover if you’re diagnosed with COVID-19
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $15,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies and annual multi-trip policies
- Rental vehicle insurance excess
- Rental vehicle comprehensive cover
Most Popular
International COMPREHENSIVE
Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.
- Pre-trip cover if you’re diagnosed with COVID-19
- On-trip cover if you’re diagnosed with COVID-19
- Unlimited overseas emergency medical expenses
- Up to $25,000 luggage cover
- Existing medical conditions cover available
- Optional cancellation cover
- Single trip policies and annual multi-trip policies
- Rental vehicle comprehensive insurance excess
- Business trip benefits
Premium
GET A FREE QUOTE
With our easy quoting system, you can quickly get personalized travel insurance quotes. Whether for leisure or business, compare options and find the perfect plan in just a few steps. Get started today!
GET A FREE QUOTE
With our easy quoting system, you can quickly get personalized travel insurance quotes. Whether for leisure or business, compare options and find the perfect plan in just a few steps. Get started today!
Item Limits Apply
- Cover will not exceed 12 months from onset of the illness, condition, or injury.
- For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.
- Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.
- Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.
- Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.
The Perks
POPULAR BENEFITS
Discover how our benefits help safeguard you and your travels. Below, you’ll find our most popular travel insurance benefits and more, so you can learn how to get the most out of your Cover-More travel insurance policy.
Overseas Medical & Emergency Dental Expenses
Cover for unexpected medical and emergency dental expenses overseas if you get sick or injured.
COVID-19 Benefits
Protect your trip against several COVID-19 scenarios during the current coronavirus pandemic. (Does not include border closures.)
Additional Expenses Cover
Benefit to protect you from unforeseen additional expenses incurred during your travels.
Amendment & Cancellation Costs
Choose your level of protection in case of trip cancellation due to a coverable reason.
Luggage & Documents Insurance
Cover if your travel documents or luggage is lost, stolen, or damaged on holiday.
Delayed Luggage Cover
Get an allowance if all your luggage is delayed overseas for more than 12 hours on your journey.
Money Cover
Cover for money up to the benefit limit if it accidentally gets lost or stolen while on you or stolen from a locked safe or safety deposit box.
Rental Vehicle Insurance Excess
Cover for when you are liable to pay the insurance excess if your rental vehicle is damaged or stolen.
Travel Delays
Benefit for additional accommodation expenses if your pre-booked transport is delayed for at least 6 hours.
Resumption of Journey
Help you continue with your trip after having to unexpectedly return home bec. of the health of a non-travelling relative or business partner.
Special Events Insurance
Cover for additional expenses if you’re delayed during transit and need to arrive on time for a special event.
Hospital Incidentals
Cover for incidental costs incurred during your hospital stay overseas if your stay is over 48 hours.
Hijacking Cover
Cover if your overseas public transport is hijacked and you’re forcibly detained by the hijackers.
Loss of Income Cover
Cover for income loss if you suffer an injury or illness while travelling and can’t return to work.
Cover for Disability
Cover for total loss of sight or use of a limb that occurs due to an accident on your trip.
Accidental Death Cover
Benefit to your estate if you suffer an injury on your trip resulting in your death.
Personal Liability Cover
Protection if you’re unintentionally legally liable to pay compensation for property damage, injury, or death to someone else.
Medical & Dental Expenses in Australia
Cover for unforeseen medical and dental expenses for non-residents visiting Australia on our Inbound Plan.
The above section is a summary of the benefits available on some Cover-More plans. You should always read the Combined FSG/PDS as limits, sub-limits, conditions, and exclusions apply.
What You Need To Know
Travel INSURANCE FAQs
What does Cover-More travel insurance cover?
Like you, we know how exciting travel can be, but we also know every traveller is different and has different needs. You might be a backpacker on a tight budget or a senior spending the kids’ inheritance on a bucket list trip (go you!), which is why we cover lots of things.
Whoever you are, and however you like to travel, we offer cover for more than 80 fun-packed activities in all our base plans, from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding, and many more. We’ve also got optional cover for cruises, snow holidays, and motorcycling!
And, while we hope you’ll never need to ask, we’re also here to help if something goes wrong. You can contact us 24/7 for assistance, which means you’ll never be on your own if your plans go a little pear-shaped.
We also have cover for less exciting things like flight delays, losing a bag, dropping a laptop, and much more. Plus, cover for emergency medical and dental costs overseas and COVID-19 (yes, it’s still lurking around…), and other unforeseen expenses that crop up while you’re away.
Want to know more? Have a poke around in our Cover-More travel insurance benefits page to learn more about our cover. You can also find the full details on all the benefits and benefit amounts included in our travel insurance plans in the PDS.
Ready to choose the right plan for you? You can compare our plans now or get a quote.
How do I get a Cover-More travel insurance quote?
It’s easy and fast, promise. Just fill in the quote box at the top of our Cover-More homepage (or any page across the entire site – take your pick!) with all your trip details and hit the big orange ‘Get quote’ button.
You’ll then see the plan(s) we have that are suitable for your trip based on the details you’ve shared, plus have the chance to vary your policy with extra cover options and declare any existing medical conditions.
To make sure you get the best quote for you, use our travel insurance checklist to help you through the process.
It should be walk in the park, which is hopefully the vibe of your upcoming trip, too.
Does Cover-More have an app?
Of course we do – we’re quite modern, you know – and it’s award-winning!
Our Cover-More app not only provides you with your policy in your pocket, but it also offers tips about your destination, can send you real-time safety alerts about incidents nearby as you’re travelling, and gives you tap-to-call access to our brilliant 24/7 emergency assistance team.
You can download it here. You’ll love it. (We do.)
Can I cancel my Cover-More travel insurance policy after I’ve bought it?
Absolutely! You are free to go… but do know we’ll miss you.
We offer a 21-day cooling-off period if you decide not to take us with you on your trip.
To be eligible to cancel your travel insurance policy during this period, you’ll need to still be at home (i.e. you haven’t started your trip yet) and not have made a claim or intend on making a claim.
If you want to find our more, take a peek inside the PDS.
Where can I find the Cover-More travel insurance PDS?
Great question! You can access the PDS here →
We like to think of the PDS as your travel insurance guru – it tells you everything you need to know, including what you’re covered for and what you’re not. Yes, it’s got all the information we could possibly tell you about your cover, so reading it means you ensure you’ve got the right cover for your trip before you’ve even let home.
Even though it sounds a bit dull (it is a bit), keeping it handy when you travel is also something to consider. But don’t worry – we make this easy for you. Once you’re a Cover-More customer, you’ll receive your policy details via email, but if you download our app, it’s super easy to access your policy detail and the PDS in there, too.
How can I contact Cover-More?
Whether it’s via our app, email, or phone, we’d love to hear from you.
If you’re already travelling and it’s an emergency, please contact our emergency assistance team on +61 2 8907 5619 from anywhere in the world. If you’ve got our app, open it and tap the assistance button at the bottom and follow the prompts to connect with us.
If you’re still in Australia and have a question about your Cover-More travel insurance policy, our cover, or anything that isn’t an emergency, our customer service team can help on 1300 72 88 22. If you’ve got a question about a claim, our claims team can chat to you on 1300 36 26 44. Both teams will be around to answer your call during these hours:
- Monday-Friday: 8am – 7pm AEDT
- Saturday: 9am – 4pm AEDT
- Sunday: 10am – 3pm AEDT
Does Cover-More travel insurance cover pre-existing medical conditions?
The answer is yes! We don’t think a medical condition should stop you exploring the world, and neither should you.
We’re rather proud of our travel insurance plans, even more so because we provide cover for many existing medical conditions in our base plans. (Our existing medical conditions cover page has lots of useful information about this – including the conditions you’ll need to meet for this cover to apply.)
Some medical conditions are a bit complex (and some travellers have more than one), which is why we have an online medical assessment that allows you to easily declare all your conditions so we can quickly tell you if we can provide you with cover.
Good to know: After you take the assessment, including cover in your policy for some conditions may mean you’re charged an extra premium, while some we can include in your policy for no additional cost. To find out, get a quote and take the assessment.
Want to learn more about our cover for medical conditions? We share all our helpful information on our existing medical conditions cover page.
How do I make a Cover-More travel insurance claim?
We’re sorry you’ve had a travel mishap, but the good news is this: we’ve made it super easy for you to make a travel insurance claim online using our online claims tool. It’s available 24/7, so you can submit your claim from anywhere, at any time. (Just make sure you lodge it within 60 days of arriving home!)
Our travel insurance claims page explains all the information you’ll need, including what documentation you’ll need to support your claim and when to let us know about any incident that leads to your claim. But, if you need us, we’re here to help on 1300 36 26 44.
How long do I have to lodge a Cover-More travel insurance claim?
Don’t keep it to yourself – if something goes wrong on your trip, let us know ASAP. All you need to do is fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.
Worried you might miss the 60-day deadline because you’re waiting for or missing documentation? Don’t stress – just contact our claims team on 1300 36 26 44 to let them know, and then submit the elements of your claim you do have while you’re waiting.
Got more questions? You’ll find everything you need to know about making a claim here.
How many children are allowed to travel on a Cover-More travel insurance policy?
Bring the whole gang – we don’t care! Actually, we do care – the more, the merrier.
The maximum number of accompanying children on our leisure and business policies is 10, they just have to be your own children or grandchildren and have the same itinerary as you.
Because we like to show you the ‘big print’, all the children must be:
- identified on the Certificate of Insurance
- travelling with you
- under 21
- financially dependent on you and
- not in full-time employment.
Does Cover-More travel insurance have an age limit?
What do they say, ‘You’re only as old as you feel!’? We think you’re never too old to explore the world. (Well, maybe at 100 you need to pop your feet up…)
We cover travellers up to 99 years old – right up until you get your letter from King Charles III. We value our senior travellers, and you can find out more about our travel insurance cover for seniors here.
Can I buy a Cover-More travel insurance policy if I’m already overseas?
Too busy jumping on your suitcase trying to get the zip closed to buy travel insurance? Don’t worry – you can still buy our Cover-More travel insurance once you’re on the road, but you’ll have to wait three days until your cover kicks into gear, so be good during that time!
The PDS is the font of truth and will explain all – check it out if you want to know more.
Can I edit my Cover-More travel insurance policy after I’ve bought it?
You betcha. You can make changes right up until the trip start date on your Certificate of Insurance, and you can amend details including traveller names, contact details, travel dates, your cover, and more’ (although there are a few details that are unable to be changed – sorry!).
Our Manage My Policy portal is your one-stop shop for making changes to your travel insurance policy. You’ll need to have your Certificate of Insurance and your mobile phone number handy to access it. Our FAQs will help if you need to know more.
Don’t want to change your policy details online? Not able to make the changes you want to online? Call our friendly team on 1300 72 88 22 – they can also help.
What company owns Cover-More travel insurance?
Are you sitting comfortably? Yes? Then we’ll begin…
Cover-More Group is the parent company of Cover-More travel insurance, and Cover-More Group is owned by Zurich Insurance.
Oh, and the underwriter for Cover-More Australia is Zurich Australian Insurance Limited.
Keeping up? Well, you did ask.
Why should I consider buying Cover-More travel insurance?
Ahem, shouldn’t you be asking why shouldn’t I consider buying Cover-More travel insurance?
We know we’re great at what we do, but here’s why you can feel good about travelling with us:
- We’ve taken care of more than 15 million travellers since 1986, providing them with quality travel insurance and help before, during, and after their trips
- We understand it’s important for you to feel safe and cared for while you travel so you can worry less, which is why we’re here for you 24/7
- We offer domestic, international, and inbound plans, so we can cover practically any trip and any traveller
- We provide cover for 80+ activities in our base plans so you can ditch the sun lounger to raise your heartbeat, safely
- You can access our global emergency assistance support no matter when or where you need our help. If you don’t believe us, ask Irene
- We’ve won (lots and lots of) awards
- We’re not afraid to talk about (OK, brag) about all the trips we’ve taken. We can’t stop travelling and we won’t stop travelling – it’s our passion.
Why Book W/ Us?
We offer hassle-free, memorable adventures with top-notch flights, accommodations, cruise packages and curated tours. Enjoy seamless, unforgettable journeys with ARIVO.
Why Book W/ Us?
We offer hassle-free, memorable adventures with top-notch flights, accommodations, cruise packages and curated tours. Enjoy seamless, unforgettable journeys with ARIVO.
From Our Happy Travelers
WHAT OUR CLIENTS SAY
Across the many times I’ve booked in my travels with the team at ARIVO, they have always been both very friendly and professional. My husband and I booked our flights and accommodation with ARIVO for our honeymoon and we were very happy as we were able to just go on holiday without worrying about anything as everything was organised so well which is exactly how it should be! Richard and Courteney in particular always communicated well any changes to our schedules so we were well aware of changes before our travel. I couldn’t recommend ARIVO enough to book in your next travels!
Christina
Thanks, Courtney for Your amazing and efficient service. You have made organising our trip to Singapore a breeze and have gone above and beyond with your advice and recommendations. Nothing has been too much trouble for you and we will definitely recommend ARIVO to friends and family. Thanks again!
Ruby
Extremely helpful with organising my upcoming trip with 8 people. They have been extremely flexible with all of our requirements.
Natasha
We are looking forward to our first holiday booked with Courteney from ARIVO. Relevant information was sent in a timely manner and bonus suggestions have been given to enhance our experiences.
Stephen
