3
3
3.3
3,075 reviews
PositivevsNegative
58% · 1,7881,219 · 40%
- See all
Claim Resolution Time
- <1 day
- <1 week
- 1-2 weeks
- 2-4 weeks
- 1-2 months
- 3+ months
Claim ApprovedYes · No
Value for Money
2.6
Transparency
2.5
Customer Service
2.5
Helpful customer service
Easy to apply
Can take a while to finalise claims
Reviews
Lyn B
Single TripMore
0
More
Processing a refund
I bought Covermore Travel insurance for a 3 week trip to UK, Ireland and Germany, but found it did not suit my needs so cancelled within the cooling off period. I was emailed that my refund would be credited to my PayPal account within 10 business days. This did not happen. I rang Covermore and was told to check my PayPal account. Nothing. I rang again and was told to email refunds@covermore.com.au. Only a response to say check my PayPal account. Rang again, told to email adminagentenquiries@covermore.com.au. Received a reply to say check my Pa... Read moreyPal account and if any problems ring Covermore. Covermore operator then said to hold and he'd check. Came back to say refund paid to PayPal and gave me a reference number. Rang PayPay, reference number was not one of theirs. Rang Covermore. Agent said to hold and he'd investigate. Held for 25 minutes then disconnected. Rang again and told to email refunds@covermore.com.au once again. Still no joy after over a month of trying. Imagine trying to process a claim if this is the service one receives for a simple refund.
Tullagirl Murray Region, NSW 4 posts
InternationalMore
0
More
More than 1person on Policy
Good value and you can have more than 1person on the same policy Show details · 1
Michael N 2 posts
Multi-TripMore
0
More
You think you’re Insured but you’re not with Cover-‘Less!’
Absolutely do not buy Cover-More Premium Travel Insurance EVER. We had to change a flight unexpectedly. We took out what we thought would be comprehensive cover way in advance. It did not occur to us we would not be covered but surprise, surprise Cover - More did not honour our claim. We ended up paying for the flight twice. Qatar Airways were terrible too and charged us $800 on top of the new flight fee. You put your faith in the product and they totally screw you. Never trust them, never use their services. A total waste of money especially w... Read morehen you think you’re protected and you're not. The only good thing to come out of it is we will never use Cover-More or Qatar Airways again and we’re advising all our friends and family to avoid them. Multi Nationals exploit every loop hole in the book. Thank goodness it wasn’t something more serious. Just terrible!
Jenny H. Sydney, NSW 3 posts
Medical Only Travel InsuranceMore
0
More
Happy with the outcome
My claim was processed as per timeframe stated in the correspondence. I am very satisfied with the outcome. No one goes away thinking they will have a problem, but when I did have a serious, sudden problem, it was dealt with well. Show details · 1Value for MoneyTransparencyCustomer Service
Jason Gippsland, VIC 4 posts
Multi-TripMore
0
More
Cover-More travel insurance scam alert
one star only cause sub zero is not an option. bad value and most important . their service basically isn't worth the time of day. their travel insurance is basically a scam. had to pay my medical bills as they couldn't get their so called emergency care in order. provided all the info and endless emails . claimed happened by in early May. claim sill not resolved. l feel they pass endless hurdles with the aim . you will give up .. and thats seems to be working. as l need to move on from this nightmare company . Show details
carolyn T South East Queensland, QLD 7 posts
Multi-TripMore
0
More
Think Twice Before Purchasing
Policy was easy to set up. Went overseas. I'm more frail and need a wheelchair. I had to carry my handbag, walking stick and cpap machine. Only place for my in-flight bag was underneath the wheelchair. I had valuables in there. While in the airport the contents of my bag were stolen. Approx $18,000 of jewellery, all my meds and other things. I was told to stay seated in the wheelchair. Don't know if goods were stolen in brisbane or wellington as had a few attendants looking after me and my things. Covermore did help in suggesting where I can ge... Read moret more meds, thus the 2 stars. However because I could not see the bag underneath me covermore has rejected my claim. I had no reason to look at the bag as the different attendants said it will be safe there. Very upsetting. I saw in the stats covermore reject alottttt of claims. Therefore as this is the 2nd time ive use them, but have used them along time ago without claiming. I thought highly of them. BUT no more. I suggest you shop elsewhere and get another company for insurance. I was devastated. Yes of course I lodged a claim, took a little while to get back to me and rejected. I showed paperwork for my claim. Carolyn
Cover-More Travel Insurance DM
More
Hello Carolyn, Thank you for taking the time to submit your review.... Read more
It is unfortunate to hear that your claim was unsuccessful although our claim officers do need to process claims in accordance with the appropriate interpretation of the terms and conditions of your policy as set out in your Product Disclosure Statement (or PDS). If you have reason to believe your claim should have been approved based on the benefits of your policy you can request for the outcome to be reviewed. The information and instructions to make this request are included in the letter that you have received advising of your claim outcome which was sent via email. If you do require assistance in relation to this process please feel welcome to advise of your claim number and one of our representatives will reach out to you directly to help you with this matter. Please note, as this is a public forum it is advisable that you do not list any personal details via this review as a security precaution. Kind Regards CS
Bhutanese Pradhan 4 posts
Single TripMore
0
More
Cover more. And cover
Good cover and I will recommend it to all of humanity. Show details · 1
Brian R.
Single TripMore
0
More
1st ever claim
Have never had to make a claim before so it took a bit of time to figure it out but once I got going and submitted it things were resolved in less than 12 hours. Policy and excess cost around $60 all up which was better than the extra $450 which I had to pay out to Virgin for us to get home. I have always used covermore for domestic and international travel and find it good value. Show details · 1
David W. South East Queensland, QLD 2 posts
Medical Only Travel InsuranceMore
0
More
Commbank - Cover.More - Credit card insurance cover
The Cover-More staff assessing and handling by insurance claim were, efficient, and had good communication. Approved claim in a short period of time. Very happy - no complaints what-so-ever.I have been using the credit card insurance for the past 12 years (for numerous trips) - I have had 2 claims - both accepted and claim payments made - less excesses.
David Show details · 2
Barbara Conway South East Queensland, QLD 5 posts
Verified InternationalMore
0
More
Quite good
Always find cover more easy to use and acceptable. The only issue I have is that I thought I was to get a 15% discount with the MOMENTS15 and I cannot see that I received this discount. Bit disappointing as I have used cover more for insurance more than once Show details · 1Customer Service
Linda 2 posts
InternationalMore
0
More
Amazing response time
I put in all my details online scanning invoices and receipts for all expenses incurred as well as required documentation proving my journey. The claim was approved 24 hours later. This is amazing!!! Show details · 1Value for Money
Mark South West, WA 3 posts
Medical Only Travel InsuranceMore
0
More
Hospital Emergency Visit in Canada
I recently had a fall whilst in Canada. This required a visit to a hospital emergency department where I had to have a CT scan. This was very expensive but my travel insurance covered these costs . The service by Cover - More through the Commonwealth Bank - was excellent. Everyone was helpful and filling in the required forms was relatively easy. I was very pleased with both the outcome of my claim and the whole process.The policy was definitely good value as it was free through the bank and the $250 excess was fair. Once I received all the documents from the hospital- which took three weeks- and submitted them it took barely two weeks to be settled. I was very grateful for this. Show details · 1
Trace 2 posts
Medical Only Travel InsuranceMore
0
More
Will recommend
First time needing to claim due to medical the process was easy to follow and claim was paid as outlined will use product again Show details · 1
Retired to cruise 2 posts
InternationalMore
0
More
Good value, supportive medical care and reimbursement
The annual policy is good value. Following a medical emergency, follow up and approval was prompt and supportive, with ongoing monitoring occurring.The online claims process is easy to use after initial frustration when it times out when doing a complex claim, requiring you to re-enter information. There should be a prompt for you to exit as this then saves and gives you the option to return to the claim.
The policy is not clear for lost luggage ‘other’ than for attractive items. We had to purchase a new suitcase and some replacement items.… Read more · 1
The cost of the suitcase was approved but only reimbursement on listing of contents and provision of receipts for clothing in the suitcase was possible. I was fortunately able to find some receipts. Lesson learned: keep receipts of items purchased for 1 year if travelling. This is not the case if your luggage is delayed. It was frustrating following up a request for further information where this had already been provided as customer service staff just repeated what was in the letter. This required me to repeat significant information by email. Requests for additional information were generally reasonable. A claims officer did try to call me and followed up by email. It is not possible to speak to a claims officer and a customer service staff member followed up a repeat request for information already submitted effectively. Reasonable explanation was provided for approvals and reimbursement was prompt.Customer Service
Rob C.
Single TripMore
0
More
Cover more insurance are a scam
Due to a planned hwy closure I won't be able to get to my holiday. If I got an earlier flight I could get through but $1200 change flight fee.Because the transfer company refunded the $80 for the road closure transfer. Cover More said they wouldn't cover 1 cent of the flights, transfer or accomodations. Also lost $800 on a prebooked snorking tour I now can't get to. Cover more won't cover any of the costs and wouldn't put me through to a supervisor. It's a massive scam, don't use them.im out almost $4000 and don't get a holiday Show detailsCover-More Travel Insurance DM
More
Hello Rob, Thank you for taking the time to submit your review.... Read more
It is unfortunate to hear that your claim was unsuccessful although our claim officers do need to process claims in accordance with the appropriate interpretation of the terms and conditions of your policy as set out in your Product Disclosure Statement (or PDS). If you have reason to believe your claim should have been approved based on the benefits of your policy you can request for the outcome to be reviewed. The information and instructions to make this request are included in the letter that you have received advising of your claim outcome which was sent via email. If you do require assistance in relation to this process please feel welcome to advise of your claim number and a customer service representative will reach out to you directly to help you with this matter. Kind Regards CS
Questions & Answers
Tony K. · Cover-More Travel Insurance
0
More
Does your travel insurance policy cover repatriation from overseas in the event of accidental death?
TK
Cover-More Travel Insurance DM
0
More
Hi Tony, Thank you for your enquiry.
We can only provide the general information as per the Product disclosure Statement – not an outcome of a possible claim as this would be assessed by our Claims ... Read more
Mary Everingham · Cover-More Travel Insurance
0
More
Does Cover More travel insurance provide cancellation cover for close family illness or death (mother not travelling with us) over 85?
nick f.
0
More
Not sure
Mary Everingham
0
More
I need to contact CoverMore but just read a post on FB which shocked me..."most" companies don't! We'll have to hope nothing happens!
Cover-More Travel Insurance DM
0
More
Hi Mary, Thank you for your enquiry.
We can only provide the general information as per the PDS(link below)and not an outcome of a possible claim as this would be accessed at point of claim by our Cla... Read more
Andrew and Louise L. · Cover-More Travel Insurance
0
More
Does your cover apply for accidents after moderate drinking
Cover-More Travel Insurance DM
0
More
Hello Andrew and Louise, Moderation is key. All Cover-More policies exclude claims involving/arising from/related to a person’s impairment due to drinking too much alcohol. Under our policies, for ex... Read more
ample, a blood alcohol concentration (BAC) of 0.19% or higher is considered too much. (As a guide, 0.19% is almost four times the legal driving BAC limit range in Australia). Here is the complete wording from our PDS at https://www.covermore.com.au/pds. We will not pay for claims involving, arising from or related to Your impairment due to You drinking too much alcohol: a) which is evidenced by the results of a blood test which show that Your blood alcohol concentration level is 0.19% or above. (The level of alcohol in Your blood is called blood alcohol concentration (BAC). As a point of reference, a BAC of 0.19% is almost four times the legal driving BAC limit range in Australia which is currently 0.05%) OR b) taking into account the following, where available: (i) the report of a medical practitioner or forensic expert (ii) the witness report of a third party (iii) Your own admission or (iv) the description of events You described to Us or the treating medical professional (e.g. paramedic, nurse, doctor) as documented in their records. If you have any further questions, please just ask. Kind Regards CSDetails
About Cover-More Travel Insurance
Cover-More Travel Insurance offers the following types of insurance:
- Annual multi-trip travel insurance
- Domestic travel insurance
- Cruise travel insurance
- Ski & snowboard travel insurance
- Seniors travel insurance
They also offer insurance for adventure activities, motorcycles and mopeds, inbound plans, comprehensive insurance, and more. The company has been operating for over 35 years.
What have reviewers thought of Cover-More Travel Insurance so far?
Reviews have been mixed, although there have been more positive reviews than negative reviews of Cover-More. Among positive reviews, reviewers said that although it could take a while on the phone to reach a representative, once they did reach them they were helpful, polite, and thorough.
Reviewers also said that it was easy to apply for a policy. One common point of pain among negative reviews said that it sometimes took a while for Cover-More to finalise their claim.
Compare all Cover-More Travel Insurance listings
| Get a Quote | Get a Quote | Get a Quote | Get a Quote | |
|---|---|---|---|---|
| Category | Travel Insurance | Travel Insurance | Travel Insurance | Travel Insurance |
| Underwriter | Zurich | Zurich | Zurich | Zurich |
| Maximum Age Covered | 99 years old | 99 years old | 99 years old | 99 years old |
| Medical Coverage | ||||
| Overseas Emergency Assistance | Unlimited | Unlimited | Unlimited | Unlimited |
| Accidental Death | $25,000 | $25,000 | Not Included | $25,000 |
| Emergency Dental | $2,000 | Unlimited | $2,000 | |
| Pregnancy (max weeks) | Optional cover for up to the 24th week | Optional cover for up to the 24th week | Optional cover for up to the 24th week | Optional cover for up to the 24th week |
| Resumption of Journey | $3,000 | Not Included | Not Included | $3,000 |
| Hospital Cash Allowance | $50 per day, up to $6,000 | Not Included | Not Included | $50 per day, up to $6,000 |
| Overseas Emergency Medical & Hospital Expenses | Unlimited | Not Covered | Unlimited | Unlimited |
| Loss of Income | $30,000 | $30,000 | Not Included | $30,000 |
| Permanent Disability | $25,000 | $25,000 | Not Included | $25,000 |
| Luggage & Personal Effects | ||||
| Theft of Cash | $250 | Not Included | Not Included | $250 |
| Delayed Luggage | $1,100 | $1,100 | Not Included | $1,100 |
| Credit Card Fraud | $15,000 as part of Travel Documents cover | $3,000 as part of Travel Documents cover | Not Included | $15,000 as part of Travel Documents cover |
| Travel Documents / Passport | $15,000 | $3,000 | Not Included | $15,000 |
| Maximum Single Item Limit | $4,000 (Cameras) | $4,000 (Camera, Video Camera, & Laptop), $3,000 (Tablet Computer) | $4,000 (Cameras) | |
| Luggage & Personal Effects | $15,000 | $5,000 | Not Included | $15,000 |
| Ancillary | ||||
| Personal Liability | $2,500,000 | $2,500,000 | $2,500,000 | $2,500,000 |
| Rental Vehicle Excess | $5,000 | $5,000 | Unlimited | $5,000 |
| Motorbike / Moped Coverage | Optional cover for up to 250cc motorbike | Optional cover for up to 250cc motorbike | Optional cover for up to 250cc motorbike | Optional cover for up to 250cc motorbike |
| Domestic Pet Care | Not Included | Not Included | Not Included | Not Included |
| Special Activities Packages | ||||
| Golf | Included | Included | Included | Included |
| Cruise | Optional Extra | Optional Extra | Optional Extra | Optional Extra |
| Adventure | Not Included | Not Included | Not Included | Not Included |
| Snow / Ski | Optional Extra | Optional Extra | Optional Extra | Optional Extra |
| Manual | Download manual | |||
Compare all Cover-More Travel Insurance listings
Contact info for Cover-More Travel Insurance
| Mon | 8:00 am - 7:00 pm |
|---|---|
| Tue | 8:00 am - 7:00 pm |
| Wed | 8:00 am - 7:00 pm |
| Thu | 8:00 am - 7:00 pm |
| Fri | 8:00 am - 7:00 pm |
| Sat | 8:00 am - 4:00 pm |
| Sun | 10:00 am - 3:00 pm |
- ABN: 95003114145
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Hello Michael, Thank you for taking the time to submit your review.... Read more
It is unfortunate to hear that your claim was unsuccessful although our claim officers do need to process claims in accordance with the appropriate interpretation of the terms and conditions of your policy as set out in your Product Disclosure Statement (or PDS). If you have reason to believe your claim should have been approved based on the benefits of your policy you can request for the outcome to be reviewed. The information and instructions to make this request are included in the letter that you have received advising of your claim outcome which was sent via email. Kind Regards, CS