Cover-More Travel Insurance

It was easy to have piece of mind whilst on holidays. Very easy to get a quote and except it. Payment was also easy. I would recommend Covermore to all my friends and associates.

My partner were both on our policy with $100 excess. You can't do one claim, have to do separate claims for incidents & as we both had ear infections had to go back to medical centre more than once & my partner got a broken tooth we were charged $200 excess :( so how is that justified?

It was quick and easy to get cover, with easy to understand extras. A friend who’s has used this company many times recommended me, I am very grateful he did.

This was so simple to access, the information was relevant, not too much sales pitch. A recipt available to print immediately. They come highly recommended from a friend who used them almost every year

I purchased Covermore insurance 6 months before travelling to the US. A couple of weeks before I left I injured my ankle. I received treatment in Australia but required further treatment in the US. I called Covermore to explain my situation. I asked whether it would be possible to receive coverage for further physical therapy in the US. I was very clear that this was for ongoing therapy for an injury that occurred before leaving Australia. Three Covermore agents insisted that I visit a US physician for a referral to the physical therapist. So I did. After half a day and $300 US I had my report and referral. I sent all of the paperwork in. I've just heard that my claim has been declined because it is for ongoing treatment. Why wasn't I told that in the first place? Now I am a further $300 US out of pocket - and I only went to the Physician because Covermore told me to. I received so many phone calls from totally useless agents and spent extra time and money. And then the agent who gave me the 'bad news' told me that they were only trying to take care of me!!!! Just tell the client upfront. Don't give them the runaround and get them to spend even more money when there's little chance they will be covered. I am absolutely disgusted and I will be sharing this with my travel agent and anyone else who is considering Covermore travel insurance.
After leaving this review for possible mediation I received an email stating that my claim was denied because it was a pre existing condition - which it wasn’t!!
As stated before my dissatisfaction stems from the fact that I was unnecessarily sent to a physician in the US with no compensation from Covermore.

I tried to get a travel insurance quote from the website to compare with others I'd received. However, was unable to get one and was told to ring the phone number. I went on to 'live chat' and again was informed to ring the phone number. No reason was given as to why I had to ring. I find this very frustrating given the fact that other insurance companies are able to do this. So will not bother and will go with another company

I took out full comprehensive insurance. I chipped my front tooth while away and didn’t see a local Indonesian dentist as I wasn’t in any pain and thought it was best to wait till returning to Australia to get it fixed. Because I didn’t get it fixed while overseas covermore will not pay. Avoid covermore at all costs. They will make it impossible to make a claim

I claim purchase protection because i have commonwealth credit card. They refuse it because product which reduce price not on thier catalog but on website

Lodged a claim with supporting docs, they requested more (medical andirrelevant) information, eventual denial on claim - not related to medical. Seemed to look for any reason to not pay out. It’s traumatic to have to cancel long looked forward to and saved for trip without having to deal with this intrusive company, and the constant back and forth, making a claim a drawn out and distressing affair. As it’s been referred to a contract lawyer and onto the insurance ombudsman, CoverMore - do not contact me with the usual ‘send us a message and we’ll look into it for you’

It's fine for general cover. I have had 5 cruises covered by Covermore and the previous 4 were covered for a pre-existing condition. However, in spite of positive reports from doctors and professionals (at my expense) and the fact this trip was to NZ, They would not cover me. I was very disappointed. I have never made a claim before. Incidentally I had no problems at all with my pre-existing condition.

“Ticket cancellation” insurance is a misnomer because,as I found out, this policy doesn’t cover ticket cancellation but the “journey “. Ok ,clever semantics Covermore! You got me!
But the really appalling part of my story is that I followed the advice of 3 different reps, who offered inconsistent information. When my claim was denied for the first time it was because of my “ disinclination” to fly as planned. I challenged that and next thing I get another rejection based on the “ journey “ excuse. Seems the fine print is full of grenades ready to catch you out ,when what you need is support and peace of mind.
Never getting a dollar out of me again Covermore.

I regretted that I didn’t see all these reviews before I bought their insurance. The company is just a scam . My camera has been stolen during my trip to Indonesia, this insurance is absolutely useless as they went above and beyond imagination to not pay the claim. Absolute Waste of time and money. Will take them to court .

I don’t understand what the point of travel insurance is, when you have to make a claim for a medical condition that happened pre holiday, that left you hospitalised and unable to travel on said dates, when they don’t even cover/refund you for merely a quarter of the total you spent on the trip! Worst insurance company I have ever dealt with. Lengthy time to here any response regarding the claim.
Partner and myself were to travel to Bali Jan 2019, unfortunately I became ill and unable to travel overseas. The total cost of the trip, including flights, transfers, accomodation, insurance and not to mention the money paid to cancel the trip in the first place totaled around $2800. After almost a month of waiting for a response regarding the claim, I finally hear back today that they will refund a total amount of $467.76. Insurance alone cost $268!
I do not recommend covermore to anyone and am absolutely appalled at the way the deal with claims and happily keep customers money! Disgusting to say the least.

Having fallen ill whilst overseas, and needing to immediately return home, I was initially relieved that I had travel insurance. After attempting to contact Covermore for emergency assistance, no further contact was made, even though the representative stated that they would be in contact every step of the way. The Covermore representative stated that they would contact the hospital that I was at, and take care of the initial expenses, none of which happened. Once home, a week later I was contacted, with Covermore asking if I was still overseas. After attempting to submit a claim online, and the website not accepting the supporting documentation on any browser or device, I called Covermore support, only to be told to fill out a hard copy and mail it to them. No technical assistance whatsoever. I later attempted to resubmit the documentation, which was confirmed and accepted. 10 days later I receive an email stating that I had "not provided a completed claim form for the expenses incurred". Naturally I contacted the assistance phone number to ascertain which part was not completed. After being put on hold three times and being on the call for over 20 minutes, the representative stated that the claim form I had spent close to an hour filling out was not there, but only supporting documentation. I was spoken to with a sarcastic and condescending tone, and told to print out a form and completely re-do the claim, then wait for it to be mailed in, and then wait an extra 10 business days to hear back from Covermore on the progress. Horrendous customer service, terrible and faulty online claim portal, and a complete waste of my time and money. I have spent almost 2 months attempting to be reimbursed for my trip, a process which should have taken less than a month. Will never use Covermore again.

I had an accident in Dubai and fractured my vertebrae, needed to be hospitalised for a couple of weeks before I could be moved.. Covermore were absolutely wonderful, far beyond anything I could have imagined. I always use Covermore however this was first time I have ever had to put in a claim. They took care of everything, my well being was their main concern in getting me home safely to a Melbourne hospital. A nurse was sent to accompany me home on a flat bed flight. I am extremely grateful for the excellent service, professional and empathetic team who were always available.
Pat

My parents got travel insurance for a cruise they were taking. Before going my mother was diagnosed with cancer. The day before the ship sailed she was admitted to hospital due to radiation burns from her treatment. She remained in hospital for a week. Claiming due to them having to cancel there trip was a nightmare. Having to deal with numerous phone calls and supplying information and medical certificates while she was dying was disgusting. It took 5 months for the claim to be paid just before she died.

Whilst holidaying in Bali I was bashed whilst coming to the aid of a young girl in trouble.
I was knocked unconscious and transported to hospital with dental damage and requiring a CT scan. My I phone was destroyed in the attack also.

Cover-more DID cover my hospital bill in Indonesia. Thanks.

However, I required further scans upon arriving back in Australia due to delayed concussion. Further 5x doctors appointments, etc.
I required 4x dental follow ups to ensure my tooth didn't die as a result of the attack.

I received a quote for a replacement phone and provided it to cover-more as required.

After filling out the complex and drawn out process of the claim, and gathering all additional evidence required, cover-more stated that:

-They would NOT cover any medical bills in Australia as a result of the attack. $800 worth gone.
-They would only cover the phone for what they deemed it was worth . Half of what it was quoted by Apple to be replaced.

I would hate to think what would of happened had I suffered a serious head injury and needed to be flown back to Australia for surgery, further treatment or care etc.. None of which would of been covered by Cover-more.

A truly horrendous insurance company that will NOT be there for you when you need it. Go somewhere else and check their fine print.

3 Claims lodged Early Jan 19 now Early Feb 19 nothing but issues with getting claims paid, mistakes on all 3 claims even though submitted correct documents through Travel Agency. Told you can claim certain things under "Unforseen Circumstances", then get told you cant, then they tell you its under the discretion of the Claims Department. Oh what a mess. Do yourself a favour look elsewhere for Insurance, it will cost you even more of your time and phone calls trying to sort it out.

DO NOT USE, WASTE OF MONEY & TERRIBLE SERVICE .
Having just been to Bali my partner and I had a couple of claims to make. For items stolen and for my boyfriend falling sick. I checked the PDS before buying the policy to see that on page 4 it states that luggage (including mobile phones) is covered up to $5K....BUT on page 45 it then details sub-limits and my $1900 phone was in fact only covered for $600!! If they weren’t being sneaky then they’d have the sub limits with the benefits table!!
In regards to their terrible customer service; I called for an update 16 business days after putting in a claim to be told an email had been sent to me 5 days prior asking for further details, I had nothing in either inbox or junk mail, blatant lies to cover up that they hadn’t got back to me in the advised timeframe of 10 days. We then received an email advising of an attached response, but no attachment and so I had to sit on hold to them for 20 mins to have it sent again.
Finally, I was dealing with a claims investigator in regards to my stolen items, I was advised I’d receive a response to my claim by COB 4th Feb, I received nothing. I emailed the investigator asking for an update and by 10:30am the next day, still no response. I spent half an hour on hold to them to be told i will be receiving it now. 2 hours later and still nothing. I call again (another 30 mins on hold), this time to be told I will get an urgent call back from the claims officer. Another 2 hours later and STILL nothing! I call for a third time and finally get put through to the claims officer, who sounds unimpressed with my call and finally get the document sent through to me at 3pm.
I have spent more than 4 hours on the phone to Covermore since returning from my trip, awful service!
Do yourself a favour and steer clear of Covermore.

Whilst overseas, I fractured my knee cap. They were so helpful and always helped me feel relaxed and calm on the phone. They paid for everything, the x rays, physiotherapy and medication. They even called to check in and see how I was going.