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3Cover-More Travel Insurance

Cover-More Travel Insurance

 Verifiedwww.covermore.com.au/
3Cover-More Travel Insurance
3.7

3,755 reviews

Positive vs Negative
64%36%
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Claim Resolution Time
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
3.2
Customer Service
3.2
Value for Money
3.3
5 Mary richard  · Fast efficient and genuinely backed what hey said they would.
5 Garry S.  · Claims process was easy and quick. Any questions I had were answered. Worth the money
4 Paul Oates  · Good customer service when get thru on phone Email follow up good
4 Sally  · After all the required documents were assembled the process was efficient and [unctual.
5 Anthony Rutherford  · Claimed settled in a timely manner good communication provided by cover more No issues
5 Helen  · Easy to follow claims process - logical and clear . Timely resolution .
Paul and Kim Hook
Paul and Kim HookQLD2 posts
  Multi-Trip

Due to unforeseeable circumstances, we had to cancel our trip due to medical reasons. We had all the necessary information and paperwork. Lodging our claim was really easy. The process took hardly any time at all. We have been really happy with the outcome. We will certainly use Cover-More when we rebook our trip. We have used Cover-More on many of our International flights. Show details ·  1

Ask the reviewer
Danielle
Danielle2 posts
  Single Trip

Highly recommend Cover-more comprehensive international insurance. They were very efficient, professional and affordable. Unfortunately the tour company I booked a tour though went into liquidation. After submitting the necessary evidence, this insurance company processed my claim in a timely manner, and I was extremely relieved to receive 85%… Read more ·  1

compensation. Many others were not so fortunate. Thank you Cover-More I would not hesitate using your services and recommending you to other travellers.

Paul B.
Paul B.QLD
  International

This was the first time I've ever made a travel insurance claim of any sort, and I had some initial difficulty in finding the link from the Commbank Website to what I understand to be the actual Cover-More "make a claim" web site. It took me a while to understand exactly what information I needed to supply, and the Medical Form (to be completed by… Read more ·  1

my doctor) was also somewhat confusing (hence 4 rather than 5 stars), but once I realised what info was actually required it was relatively easy to supply electronically (I very much appreciated not having to send hard copy by post etc.). When more information was needed, it was easy for me to understand what was being sought and to supply same.

The matter was resolved within the time frame as per Cover-More's undertaking, and I am of course happy that my claim was paid in full.

In particular, the Cover-More agent who was handling my claim, named Jason, was helpful and responsive. Thanks Jason!

Reviews with attachments

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Judith F.
Judith F.NSW
  Verified Medical Only Travel Insurance

I took insurance with Cover-More before attempting a climb to the summit of Mt Kilimajaro in Tanzania, Africa. The 10 day climb by the Northern Route was in October, 2025. Setting up the policy was easy and I did it all on-line. I had a medical issue one day from the summit requiring evacuation by helicopter. Submitting the insurance claim was… Read more ·  1

straightforward and Cover-More approved the claim. It took about 3.5 months to obtain approval but the delay was because I thought I had forwarded an additional, requested document but when Cover-More emailed me why they hadn't heard from me, I discovered I had not done so. Upon receipt of that document, Cover-More were quick in approving the claim. This was my first time using Cover-More. I am very happy with the service provided.

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Greig B
Greig BSA6 posts
  Verified Single Trip

Amazing , quick reimbursement for rental vehicle excesses from accidental damage and loss Thankyou Show details ·  1

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Marty
MartyTasmania3 posts
  Verified Single Trip

I've been travelling internationally for many years and never leave home without insurance. Never made a claim before but you never know when you need to. Unfortunately I was involved in a MVA on my latest trip and was admitted into hostpital with multiple broken bones and punctured lung. I gave the hostpital a copy of my travel insurance policy… Read more ·  1

and they contacted Covermore on my behalf as I was incapacitated. Everything went ahead relatively smoothly and stress free for me. I had regular phone calls from staff at Covermore with updates and various things I had to inform them of. As I needed surgery there were options discussed about having surgery in Thailand or being flown back to Australia for treatment. I was leaning towards surgery in Thailand and after discussing it with Covermore medical team, it was agreed that I be treated in Thailand. Good decision and great outcome. Im my opinion Covermore went above and beyond with how my claim was handled. All staff I spoke with by phone were extremely helpful and understanding of my situation. It was a stressful time for me but at no time did Covermore add to that stress. Once I returned to Australia I needed to put in a couple more claims for personal items damaged in Accident. I'm a dinosaur when it comes to all things computer so I actually needed to external help with these claims. I received emails and phone calls about these claims and was kept in the loop with what was happening. All aspects of my claims have been settled now and I can't thank Covermore and their staff enough. Anyone who travels without travel insurance is insane. You just never know. Medical costs in foreign countries is extremely expensive so being fully covered makes more sense than starting Go Fund Me page to try and raise the funds needed to cover everything. I can't recommend Covermore highly enough. They are next level Awesome.

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Kim Wood
Kim WoodQLD
  Verified Medical Only Travel Insurance

I had a fall in Bali in December 2024 which resulted in lacerations and a badly broken nose. I was admitted to the BIMC Hospital for a few days, and needed surgery. CoverMore reviewed my x-rays, recommended surgery in Bali because of the nature of the injury, and dealt directly with the hospital in approving all charges. Further, they had… Read more ·  1

good knowledge of the hospital and resolved my questions about the risks of surgery while overseas. They preapproved the hospital charges and regularly checked on my progress by phone. After I returned to Australia, they also approved my additional medical expenses paid for in cash during the holiday. They saved my trip, and there was no need to return to Australia early. CoverMore was simply outstanding! Thank you.

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Steve Braithwaite
Steve BraithwaiteNSW
  Verified International

Very open and friendly prompt service and always open for phone contact Show details ·  1

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Kate
KateWA
  Verified International

I purchased insurance when Covermore were advertising a 15% discount. Not only was the discount not applied, but the policy was cheaper to purchase the day after the discount ended. Customer service was non existent. Bought myself a policy elsewhere (for less) and will never use Covermore again. Show details

Cover-More Travel Insurance
Cover-More Travel Insurance    

Hello Kathryn, We appreciate your… Read more

Latest follow-ups

BernieC
BernieCQLD3 posts
  Single Trip

Insurance was easy to set up online and unfortunately I had to make a claim for a lost prescription diving mask. The claim process was easy and efficient online and completely without hassle. I will use CoverMore for my next international trip. Excellent Show details ·  1

 Follow-up  · The claim went through without any fuss and was paid in full minus the excess in a timely manner. Very happy customer.

kathryn
kathrynWA
  Single Trip

Outstanding service from Cover-More after injury and hospitalization required in Vietnam. They not only handled all financial transactions with the hospital efficiently and quickly, they also took the time to make sure my travelling companions were okay, giving them emotional and practical support and advice. Highly recommended. Show details ·  1

 Follow-up  · I'm assuming that as we were foreigners on holiday in Vietnam, the choice of hospital was decided by the Vietnamese medical team.. They transported us to the private hospital, French Hanoi Hospital, which I must say, was the cleanest hospital I have ever been in. The surgeons techniques and quality were complimented by our WA hospital surgeons,… Read more

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THANH QUAN
THANH QUANVIC4 posts
  Verified Medical Only Travel Insurance

I completely trust COVERMORE, it’s helpful, easy to claim. Don’t give me problems. Thank you Covermore Show details ·  3

 Follow-up  · 1) yes the currency conversion explains well, and the conversion was very good. 2) I think the policy excess is fair. 3) the claim payment process is very clear. I am 85yo Vietnamese Australian can claim Cover- More travel insurance easily myself.

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In-depth reviews

Jim
JimNSW
  Verified Medical Only Travel Insurance

I can't speak highly enough of Cover-More and the support they provided during a very difficult time. While overseas, I unexpectedly required surgery after a motorbike accident and was left in a challenging situation. From the moment I contacted Cover-More, their team was incredibly helpful, supportive, and professional. They went above and… Read more ·  1

beyond to assist me with my claim and made what should have been a very stressful experience much easier to deal with.

Not only did they cover all of my eligible expenses, but they were also proactive in helping me get home safely and comfortably with my arm in a cast following my surgery. Their genuine care and willingness to help exceeded all of my expectations.

I was honestly surprised by how responsive, compassionate, and supportive they were throughout the entire process. Every interaction left me feeling reassured that I was in good hands.

I would highly recommend Cover-More to anyone looking for travel insurance.

Thank you to everyone at Cover-More for your outstanding support.

Kerry L.
Kerry L.VIC3 posts
  International

We recently went on a cruise where we had several missed ports due to extreme weather. I contacted Cover-more on our return, gave them our policy number and was advised we could claim for missed ports. They even told me how to calculate the claim. It took 3 weeks for them to even come back to me, they state they contact within 10 days. After 3… Read more

weeks I was advised we werent covered for missed ports. When i questioned why i was told we could, and now being told i couldnt and asked why the conflicting information i was bluntly advised again we werent covered. Other passengers also had the same experience, told they could claim then rejected. 1 passenger was even put through getting documentation on missed port pricing, then denied. The rating is not for the denied claim, if we werent covered then we're not covered. It is for the unprofessional way it was handled. Being told we could claim, and even how to work out claim amount then denied. And the wasted time for the other passenger getting information, even being told " we can only pay out if we have the amounts for each port from your travel agent" who were then after 6 weeks of going back and forth denied

Cover-More Travel Insurance
Cover-More Travel Insurance    

Hi Kerry, I'm sorry to hear that you… Read more (+1 reply)

Mich
MichWA18 posts
  Multi-Trip

I recently purchased travel insurance with Cover-More and had a very positive overall experience. The quote process was straightforward and the price was very reasonable compared with other insurers I looked at, which made it an easy choice when organising my trip. During my travels I unfortunately had an issue where the airline lost my luggage,… Read more ·  1

which caused me to miss a flight and incur additional expenses. I submitted a claim through Cover-More and found the online claim process to be simple and easy to follow, with clear instructions on what documentation was required.

Initially, my claim for the missed flight was declined. However, after I provided additional information and followed up with their team for further investigation, the claim was reassessed and ultimately approved. I appreciated that the team took the time to review the details and reach a fair outcome.

Overall, I found the process transparent and the customer support helpful. Based on my experience, I would consider using Cover-More again for future travel.

Recent reviews

Meryl
MerylQLD8 posts
  Single Trip

I have used this company many times over the years but have never needed to claim. I went on a Xmas trip with my partner to NZ. On the 4th night on returning to cabin I opened the heavy door & tripped on a metal strip across doorway & broke my humerus on left arm. Cruise doctor/nurse put my arm in a brace until next day then sent me by ambulance… Read more

to hospital. I needed an operation but because it was Xmas holidays no one was available but I was put in a special brace until I got home. When I returned home I had to find a surgeon , I got operated on 13th Jan. 17 days after the accident. I know the claim would be accepted if I was operated on in NZ but no one was available at the time. Trying to contact help through the app was very difficult & not successful.

Cover-More Travel Insurance
Cover-More Travel Insurance    

Hello Meryl, Thank you for taking… Read more

Stephen
Stephen
  Verified Inbound

Paperwork was a bit tedious but got there with patience. Submitted claim and within 5 working days later it was actioned and finalized. Well done, Cover-More and thank-you. Show details ·  1

David
DavidNSW3 posts
  Single Trip

I submitted a claim to Cover-More for losses incurred due to a medical issue. The personnel at Cover-More were helpful every step of the way. The Calims Officer, Hope, called today to advise on the outcome of the claim. All funds lost due to the cancellation were covered by Cover-More. I am very satisfied with the process and outcome of my claim.… Read more ·  1

I will definitely use Cover-More again. The policy seemed expensive at the time but it is now good value considering the outcome of my claim. It took 8 working days for the claim to be processed. We have used Cover-More four times now when travelling overseas.

Rob D
Rob DSA3 posts
  Verified International

Cover-More's communication quality throughout was outstandingly clear and easy to understand, every step of the way. I was very pleased with and supportive of Cover-More's depth and breadth of investigation, because it provides confidence in the value of their service. Show details ·  1

Sandy
SandyWA
  Single Trip

Absolutely appreciated the prompt response to our claim and will definitely recommend and use your company again. We put the claim in on a Friday morning and it was approved on the following Wednesday (3-4 business days) which is the best response we have ever had to a claim (only ever had 1 other in all ours years of travelling). Makes life so… Read more ·  1

much easier knowing that we can rely on a company to treat us well and respond quickly. Thank you so much. Sandy

lance
lance4 posts
  Verified Inbound

I had to attend a wedding in Canberra at 1530, I was flying out earlier that same day to make the wedding in time to fly in, get dressed and arrive on time ready to celebrate. I was sold a plane ticket by Virgin that only had a 20 minute delay between connecting flights which is against airline guidelines of a minimum of 60 minutes. Virgin staff… Read more ·  1

told me by phone that it was my fault for choosing the flight and their flights are never delayed. Predicably the flight was delayed and I was given a new flight at 1700, as I would miss the wedding completely I was forced to hire a car and drive from Syd to Canberra. Deb from Cover-more assisted me promptly with required paperwork and the claim was finalised in record time and I am no longer out of pocket. Many thanks to all invoved

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Greg j
Greg j
  International

Unfortunately due to a cyclone on the North Island of New Zealand last month we had to submit a claim for additional expenses relating to our travel arrangements. The service and help from Cover-More was exceptional. Their staff guided us through the full claim process from completing the claim forms right through to resolution and claim payment.… Read more ·  1

I cannot recommend Cover-More highly enough and wish to openly thank them and express my gratitude for making the whole process easy and stress free.

Lionel H.
Lionel H.
  Single Trip

My Covermore insurance was great value. When I lost a hearing aid it took less than 5 business days to process my claim and approve the replacement. For such a small policy outlay this was a huge relief because of the high cost of replacement. Show details ·  1

Sharon
SharonNSW
  Medical Only Travel Insurance

Cover-More were prompt in their responses to our claim and met all of their time lines they advised. Our claim was received, acknowledged, assessed, approved and paid within 14 days of submission. They were faultless. This is the 4th time we have used Cover-More and the first time we have had to make a claim. I did have a couple of questions… Read more ·  1

regarding the claim form and their Customer Service were extremely helpful and courteous. We recommend Cover-More Travel Insurance and will definitely going with them again.

Helen G
Helen G
  Multi-Trip

I had a bad fracture of my little while on a cruise to Fiji. I sent the claim in and within 1 day I received a claim number and in 6 days I received an email and phone call to advise me that my claim had been approved and expect my refund in my bank within a few days. Amazing professional service and the online process was easy. After the horror stories we hear about travel insurance claims, this was a relief and no issues in claiming. Show details ·  1

Lauren Murdoch
Lauren Murdoch
  Single Trip

My Jordan tour was cancelled due to unpredictable flight interruptions. My airfare was paid by me separately. I was so happy that I was paid out the difference of my refund and the money I lost. Show details ·  1

Jon Carson
Jon Carson
  Single Trip

Our trip to Japan had to be cancelled due to a need for urgent chemotherapy treatment of a leukaemia condition. We had to pay a cancellation fee to cancel our airline tickets. Also, the land content provider forfeited our deposit but gave us a credit for half the amount of the deposit. Upon us providing medical evidence and evidence of our losses… Read more ·  1

Cover-More paid us the amount of our losses except the amount of the credit. We then cancelled the credit and Cover-More paid us the amount of the credit. We are delighted with this result and have insured with Cover-More for our trip to the Kimberley and the NT.

Penny T.
Penny T.NSW
  Corporate

My luggage was lost whilst travelling and Covermore processed my claim within days. The process was so easy and the response time was faster than I expected. THANK YOU Covermore! Show details ·  1

Paul O.
Paul O.NSW2 posts
  International

After my travel had to be cancelled due to a medical issue, Cover-More Travel Insurance very promptly assessed my insurance claim and paid my claim. I was kept informed throughout the process. I am very satisfied with the service I received. Show details ·  1

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