Cover-More Travel Insurance

This Travel Insurance company is really bad, they have had me going 6 months to the point i will be instituting Legal Proceedings against them, my advise don't use them.

Never again will I use this insurance company again. PDS is unreasonably against you to say the least. Please check other insurers on here that have excellent reviews before deciding. Cheaper policy doesn’t mean value, rather it will leave you financially out of pocket. I am unable to state company details of other well regarded travel insurance companies but just check under travel insurance and reviews.

I have took a trip in March and had to call up because it wouldn’t accept my name; Natasha
Same problem again now. I call and then I am disconnected during the terms speech.
I ring back and I get the same problem.
Fix your website!

BEWARE of cover more fine print, in there fine print it says that if you of a family member has been hospitalised in the last 2 years you are not covered. As l took cover more travel insurance and when l took it out with the travel agent l said to make sure that l am covered for an emergency AND DIDNT READ THE FINE PRINT. My partner had a pre existing issue which we paid extra insurance for but when l got a call that my dad had gone into palliative care we had to rush home, the only flight l could get was flying out the next day and it cost me $8500 to get home l didn't hesitate as l had to get home before he passed away thinking l was covered with travel insurance. Once l was home and put in a claim (even with a Death certificate) my claim was knocked back because in the fine print it says that if you of a family member has been hospitalised in the last 2 years you are not covered. This insurance company didn't even look into it because if they did they would know that the hotel offered to refund our full accommodation but one day which we where there so BECAREFUL AND MAKE SURE YOU READ THE FINE PRINT WITH THIS COMPANY.

My partner and I booked a holiday over Easter/ANZAC period to Bali on 20/04/2019. Unfortunately our flight from Melbourne to Bali was unfortunately delayed by 18 hours. It was scheduled to depart on 7AM, so we went to the airport at 4AM, and found out the flight is delayed. We stayed around until 8AM and was told to go home and the flight is rescheduled to 8 PM (which is 13 hours delay at that time). I called CoverMore to confirm whether my travel insurance would cover any additional costs due to this delay and the lady who answered the phone said because my flight is delayed more than 12 hours, I can claim up to $200. So I was under the impression that I had $200 to spend. So we took a taxi and went home to get some sleep, and the round-trip costed roughly $180. When we went back to the airport at 5Pm, we found out that the flight is further delayed until 1 Am next morning. So we waited at the airport for another 8 hours.

After we got to Bali, there was nobody to pick us up, even though we had prebooked Airport transportation. So we had to take another taxi to our hotel, that cost roughly $30 AUD. Not to mention that we lost a day of prebooked hotels.

After we came back to Melbourne, I submitted all of the documents (including a letter from the airline, which is issued to everybody on the flight specifically for insurance claim purposes) and receipts for a claim of $200. However they simply rejected my claim. I just felt I was scammed, because I was under the impression that I am eligible for $200. Had the lady who answered the phone said No claim initially I would've probably seeked alternative transportation.

In the future I would probably purchase from a better travel insurance company. I've talked to a few people on the same flight and they all got their claims. I kindly explained to them my situation and they just simply wouldn't pay. To be honest I feel CoverMore is not worth my time and money to deal with after this experience.

Due to a misunderstanding between my husband and I, our claim for medical expenses when our daughter suddenly got sick in Singapore did not get lodged until 12 months later and Covermore paid the expenses less excess without questioning this oversight on our part. Thank you. Will reinsure with Covermore for our next family policy.

We have always used Cover-More insurance and have never made a claim until now!

I cannot believe that we were not covered for new flights that had to be booked with another airline due to Jet Airways no longer operating because of financial debt!

I think it’s a joke that travel agents booked these flights for us, encourage that we use Cover-More (over $600 worth of insurance and nearly $1,000 for new flights) and we get a... ‘sorry’ we’re not paying out!

Not to mention, I can’t even find this clause in the underwriters policy exclusion on the documentation we received! Absolutely laughable!

Don’t use cover-more!!!

Denied cash claim aspect of claim as it was not on me physically. Not happy to say the least.

Refused to pay the RRP of the phone, amount refunded was approximately $1000 short of what it would cost for me to get a replacement phone.

Think twice before you opt for Covermore Insurance, you will be sorry.

Not happy.

They have not been able to process my refund request for a cancelled flight for over a month. I spoke to numerous supervisors and managers but all they say is keep waiting, they are trying to resolve the issue.

Very clever to send the policies by the time you wanted to cancel or rebook your flight, but doesn't even provide details before your making the booking. Just a total waste of money.

Taking out travel insurance online was no issue. However I am concerned now reading all the 1 star reviews of cover more insurance. I'm hoping nothing goes wrong however I expect my premium cover to be honored and not deceived like so many. I would like to know an alternate insurance company other that cover more for travel insurance if someone can reply would appreciate it.

Would not recommend to anyone. Extremely poor service overall. The 10 day turn around for ANY communication is extremely unreasonable. 10 weeks since lodging our claim due to our daughter having pneumonia and we were unable to have our overseas holiday. Hospital/Doctor letters supplied along with all other documentation and still yet to see any progress. Definitely will be looking at other providers when or if we get our money back and will continue to not recommend this company. Very disappointing.

I have used Cover-more at least 15 times in the last 10 years, you'd think Dad's death was enough to claim, but hey Check the PDS,. No parental death cover(cancellation) if they aren't an Australian resident. In this multicultural world! Cover-more/Zurich should be ashamed of this technicality. It seems BUYER BEWARE for all you travellers who have parents in other parts of the world.
My profile has my nickname on it, but Cover-more knows my identity. Claim number 1240274.
Deplorable business ethics, take the origin of relatives out of your PDS cover-more!
It seems that it may present as a little racist...Do you really have to be a second generation born Australian to have the right to claim the death of your parent? Really...

They take upto 10 business days to reply to you all the time.i had lost my bag on my trip and gave them details and all the complaints made to authorities. Then They force you to get bills from people who gifted you. And in their documentation they said proof of ownership that can be in any ways but they stick to bills. Not helpful at all makes you feel more stressed over the situations you already had..

I bought cover more insurance on my holidays planned to Fiji last year. Unfortunately couldn’t travel due to a injury I had. I lodged a claim last year in May.. Matter still not resolved.. would never recommend them to anyone

Used CM for over 20 years however the last 5 years has proved exceedingly difficult. Their processes/procedures and level of cover is inconsistent. Considering how complex it was to get cover initially this year I am in serious doubt of how they would be if you needed to make a claim and I've found an alternate insurer for my next trip due to the experience.

The quote for one week was expensive and the excess was high.
I lost glasses and airpods at the airport and had to replace to see and they don’t offer old for new.
As I couldn’t see I had to go and buy glasses the next morning. I spent over $400 to get a set of glasses which was more then the original set that I lost.
As they depreciate the value of everything my claim doesn’t even cover the cost to replace my lost AirPods. So I am out of pocket on the cost of glasses and don’t even have the replacement airpods.
Buyers be where if you lost your luggage you will be severely out of pocket. There is much better options out there and I would hate for you to have your holiday ruined like mine.
Read the fine print very carefully and don't buy this rubbish policy, flight center you should be ashamed promoting this policy.

I have used Covermore continuously over last 8 years with excellent personal service.
They offer great cover and great price comparison.
They honor their policy. Easy to contact, and use website.

Would honestly never use these guys again. There are so many providers out there and Covermore is not one off the good guys. We purchased a Premium Plan and called up after having our flights home being cancelled and had the displeasure of speaking to a rude and unhelpful person who, when asked for additional clarification on a question, just repeated himself word for word with an increasingly rude tone still not answering our question until we ended the call. We read the PDS and then went on live chat, as the guy on the phone hadn't been any help and PDS hadn't contained the info to answer our question. After we began the chat and had some to and fro of conversation the live chat person took 7min to answer our question and told us "sorry I have 4 live chats going at the same time" - so the service you get isn't exactly Premium, or even half decent. Then that live chat person just copy and pasted bits of the PDS into the chat - so you're actually not getting any service either. These guys are just a waste of time - self insure or go elsewhere.

The reason you buy travel insurance is for when things go wrong.
Buyer Beware. Please read your Policy and choose your company carefully. We pay money in good faith and to cover for unforeseen circumstances. Overseas trips are once in a lifetime opportunities, we pay our hard earned money to have these opportunities. It's not often things go wrong but when they do, it can be a huge financial blow.
What is really sad is that the general public buys insurance products which give them back very little back and Insurance policy statements are confusing and therefore misleading in nature. Please read policy CAREFULLY, take out the necessary extra insurances

Covermore state in section 3 part 1 of their policy under Amendment of Cancellation Costs

Due to circumstances outside of your control and unforeseeable at the relevant time you have to rearrange your journey prior to leaving home, we will pay the reasonable cost of doing so.

Ummm No they won't!!! Read your policy because they won't cover airline cancellation for any other reason than the airline striking! To state that they will pay cancellation costs and then put a caveat in their policy to say they will only pay if the airline strikes ,in my opinion is misleading.

I had to change my tickets at a very high cost due to Garuda airlines completely cancelling a flight path to Nias Indonesia. I was going on a surf trip and I surf longboards. Garuda is the only airline company that would take my particular length boards. I had to change my entire flight path and all my tickets to be able to carry my surfing equipment with me as Lion air the only other operator available does not accept boards over the length I needed.

Covermore are not paying my claim for the costs of me re-arranging my journey due to not being able to carry my surf equipment because of a flight cancellation. The reason my tickets were changed was due to UNFORSEEABLE circumstances outside of my control resulting in me needing to re-arrange my ENTIRE journey. I cannot magically learn to surf a board half the size of my normal board in 2months after surfing particular boards for 14 years in order to take a flight path that is more convenient and cost effective.
However, Covermore is trying to avoid paying my claim by saying they do not cover airline cancellations other than for the airline striking. Airline cancellation is not the reason I had to rearrange my whole journey however this is Covermore's reason for not paying out my ticket change.

I have lodged a complaint with Flight Centre about recommending Covermore as a travel insurance provider. I will so be lodging another complaint with Australian Financial Complaint Authority. I also urge you to lodge complaints with AFCA as these companies need to held accountable for the way they offer peace of mind however do far less than that when all the small print is read properly.
Covermore dosen't want to pay claims and help people. They want your money!
These guys are ruthless and you may as well have cut your insurance out of a cereal box. They have not taken the time to understand the claim and tried to find any caveat in their policy in order not to pay.

Be careful if you have any pre-existing medical conditions that include mental health problems. Some insurance companies can legally discriminate you in their policies. You are not covered for many reasons. Meaning that in some ways the policies are useless in which I found with Covermore.