Review your last buy on ProductReview.com.au
3Cover-More Travel Insurance

Cover-More Travel Insurance

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

3,770 reviews

Positive vs Negative
64%36%
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See allThumbnail
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

 AI reviews summary 

Cover-More Travel Insurance receives a high volume of positive feedback, primarily focused on the speed and efficiency of their claims processing. While the majority of users report a seamless experience, particularly with medical emergencies and cancellations, a segment of customers highlights significant frustrations regarding communication delays and rigid policy exclusions.

Pros
  • Rapid Claims Resolution: Many claims are assessed, approved, and paid within 5 to 10 working days, with some users reporting approvals in as little as 48 hours.
  • Effective Emergency Support: Travellers facing medical emergencies overseas frequently praise the 24/7 assistance team for coordinating hospital care, surgeries, and repatriation.
  • User-Friendly Online Portal: The digital claims submission process is described by several users as logical, easy to navigate, and efficient for uploading documentation.
  • Reliable Coverage for Major Events: The company is commended for honouring claims related to natural disasters (cyclones/typhoons), airline strikes, and significant medical cancellations.
Cons
  • Communication Gaps: A recurring issue involves long wait times on phone lines and a lack of responsiveness to emails, with some users waiting weeks for initial contact.
  • High Excess Fees: Several reviewers noted that the standard $500 excess on credit card-linked policies can make smaller claims (such as minor medical visits or lost items) unviable.
  • Rigid Policy Exclusions: Multiple users expressed dissatisfaction after claims were denied for specific scenarios, such as flight delays (versus cancellations) or pre-existing conditions.
  • Baggage and Personal Item Depreciation: Complaints were noted regarding the low payout amounts for electronics and luggage due to heavy depreciation or strict proof-of-purchase requirements.
Verdict

Cover-More is a strong choice for travellers seeking a reputable insurer with a proven track record of handling significant medical and cancellation claims efficiently. However, prospective policyholders should carefully review the Product Disclosure Statement (PDS) to understand excess levels and specific exclusions for minor travel disruptions.

5 Susan Dawson  · Process was easy enough and my claim was approved. It made a very difficult situation much easier. Thank you
5 sarah-f-thomas  · Easy process to claim and fast approval. Very impressed with the service
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.
DontBuyAsko
DontBuyAskoNSW6 posts
  Single Trip

Claim process online was simple but the limit of 10 characters for file names meant renaming travel agent emails and invoices which made tracking a bit challenging. Claim was paid in full within 6 working days! First time I have used CoverMore and will do so again Show details ·  1

Ask the reviewer
Craig
CraigSA
  Single Trip

I was unfortunately forced to cancel an interstae trip due to sudden illness. After a single phone call, I received the claim paperwork. Once completed, my claim was successfully lodged and approved within a week. I'm very satisfied with the excellent service I received and would stronhly regcommend CoverMore. Show details ·  1

Ask the reviewer
Fran C
Fran C2 posts
  Single Trip

I appreciate CoverMore’s prompt attention in assessing my claim and thank you for the positive outcome. It was a huge disappointment not being able to go on the Croquet trip to Norfolk Island. Thank you once again. Show details ·  1

Ask the reviewer

Reviews with attachments

  • Thumbnail
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.

  • Thumbnail
Greig B
Greig BSA6 posts
  Verified Single Trip

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

  • Thumbnail
  • Thumbnail
  • Thumbnail
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.

  • Thumbnail
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.

  • Thumbnail
Steve Braithwaite
Steve BraithwaiteNSW
  Verified International

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

  • Thumbnail
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

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

 Follow-up  · What did they investigate? - Stolen MacBook Pro How quickly did they respond? - All communications including the first were prompt and clear. Was it easy to claim? - Considering the circumstance, yes, absolutely, primarily due to the clarity of communications.

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

 Follow-up  · I would definitely use them again and I have used them again, twice! Lucky me nothing to claim, as I hoped it would be.

Ian
IanWA3 posts
  Medical Only Travel Insurance

Taking the stress out of a holiday – After a long trip from Australia to London UK my wife developed a suspected DVT. We contacted the Covermore medical helpline, and they were absolutely marvelous. They recommended that we seek medical attention at a hospital near the hotel that we… Read more ·  1

were based. They even assisted in finding the hospital for us. Even after our hospital visit they checked up on my wife's condition for the next few days. They advised us to keep all receipts and to lodge a claim on our return to Australia. Our claim was done on-line, and we provided all the paperwork that was requested. Our claim was successful and was processed within 5 or 6 business days. The process was straightforward, and we were only out of pocket for the excess that we selected when we took the policy out. Overall, we cannot thank Covermore enough for the way in which they helped us with everything. We will continue to use Covermore for our future travel.

 Follow-up  · Since writing my original review I have used Covermore on a couple of occasions without the need to make a claim. Covermore is still my company of choice for travel insurance. In my original review I mentioned that Covermore provided assistance in recommending a hospital close to the hotel where we were staying. It was only a short taxi ride away.… Read more

Travel Insurance

Find out how Cover-More Travel Insurance compares to other Travel Insurance

Know better, choose better.

Compare all

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.

Positive reviews

Angry customer
Angry customerWA5 posts
  Cover-More Travel Insurance

The claim form can be quite confusing and overwhelming, but the online team was very helpful. I’m glad I called them for assistance with my query, as my claim was processed in less than 10 working days. Show details ·  1

I.Bu
I.BuNew South Wales2 posts
  Cover-More Travel Insurance

Outstanding replies to email, overall outstanding customer service and overall experience was exceptional. Can not praise Cover-More Travel Insurance enough. Thank you Show details ·  1

Willem Vermey
Willem Vermey
  Cover-More Travel Insurance

We travelled to Europe for a family visit and a cruise. My wife and I both became ill and needed support in a foreign country. A phone call was all it took to have someone give us support, which was available 24/7. Our progress was monitored and care we received until we arrived home was continuous. As a result of our illness, we had to cancel a… Read more ·  1

flight, several lots of accomodation and we had several medical bills. These were all paid promptly, minus the $500 excess that applied. Well done covermore and Commonwealth Bank! Highly recommended!

Negative 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

Kylie F
Kylie FQLD29 posts
  Single Trip

If I could give ZERO stars I would. Booked a trip for my frail father to visit his brother domestic, I was unable to cancel the flights at short notice as my Uncle suddenly passed away the morning of the flight. We had the cancellation cover however Covermore denied the claim even after providing the death certificate. They also persisted in… Read more

asking very intrusive questions regarding the circumstances of his death to which I refused to subject my grieving Aunty to further distress.

Despicable behaviour for an insurance company. I know you love profits but surely an unexpected death would warrant approval.

I’d rather step on Lego barefoot than recommend your company to anyone. Thieves!

Cover-More Travel Insurance
Cover-More Travel Insurance    

Hello Kylie, Thank you for your… Read more (+1 reply)

Kris
KrisNSW5 posts
  Medical Only Travel Insurance

Worst travel insurance. A beautiful trip turned into an absolute nightmare with this company. My wife fell on a boat and broke her neck. This company wanted to re-patriate her so they could stop paying for the hospital. The doctors who were all either English or Australian strongly recommended not even sitting her up ! Covermore wanted to send her… Read more

back to Australia sitting in business class unattended by medical staff to Darwin where she would have been relased from any care at all. Still with a broken neck. Medical staff at the hospital finally refused to release her until the fractures were stable all the time getting calls and emails from Covermore refuasing to pay. This went on for 2 weeks !!! I flew to be with her and ran up travel costs myself mediating for her. The doctors and surgeon were disgusted. I finally got the airline to refuse to carry her. Then they wanted to send a private medical medivac aircraft from Australia to onboard her but again only so they could stop paying hospital bills at point of injury, NOT because of caring for her or her recovery. Disgusting worst story I have ever heard. I am writing this review because I recently saw an advertisement from Covermore saying how caring they are !

Cover-More Travel Insurance
Cover-More Travel Insurance    

Hi Kris, We've reached out to you… Read more (+1 reply)

Travel Insurance

Find out how Cover-More Travel Insurance compares to other Travel Insurance

Know better, choose better.

Compare all

Recent reviews

Rach
RachQLD
  International

I had a great experience with Cover-More Travel Insurance when I needed to cancel my travel plans before departure. Granted like any other travel insurance company a bit of admin required to get the claim reviewed, but the process overall was efficient and straightforward. Everything was clearly explained and I always knew what stage my claim was… Read more ·  1

at. Communication throughout was excellent - prompt, professional and helpful. At no point did it feel like I was being “fought against”; instead, it felt like they genuinely worked with me to get the outcome sorted. Given the circumstances, I was expecting a stressful process, but it was handled smoothly from start to finish. I wouldn’t hesitate to use them again.

Lyn11
Lyn11QLD5 posts
  Multi-Trip

I am more than happy using Cover-More travel insurance. We had a bit of a hiccup with our travel plans and Cover-More paid out promptly and was super easy to deal with. I was stunned at how simple and quick it was to get a result. Show details ·  1

David
DavidVIC
  Single Trip

I want to thank Cover-More who honoured their insurance agreement in a compassionate and professional manner despite an error in the insurance dates. They applied common sense and great corporate integrity. Easy to set up through Commbank and the claim was settled in a professional and timely manner showing understanding of our personal circumstances. We have used Cover-More a number of times and will continue to do so. Show details ·  1

Graeme R
Graeme RNSW
  Cover-More Travel Insurance

We found the process well explained and easy to follow. We made sure that all relevant documentation was obtained whilst overseas to allow a valid claim to be lodged. Once the claim was lodged one more document was requested after the initial review by the claims team. This was provided and the claim was subsequently approved within 10 days as… Read more ·  1

promised. The policy was certainly good value as it was complimentary provided via Bankwest due to us holding appropriate credit cards that qualified for this cover. We have used Covermore either directly or indirectly for every overseas trip taken - some 20+ trips in total.

Yolande Y
Yolande Y
  Cover-More Travel Insurance

We travel frequently and have been choosing Covermore’s for its competitive value and user friendly online platform. Recently we reached out to Covermore after a long wait and still waiting for an outcome from the airline and travel agent following a cancelled flight in April 2025. My experience with Covermore’s claim team was amazing. I’m… Read more ·  1

particularly impressed by Fatima’s professionalism, customer care, and patience from when I first reached out to completion of the claim process.

Lyn Simpson
Lyn SimpsonNSW
  International

Unfortunately we had to cancel our overseas trip due to the illness of a family member. We were able to recoup some of the cost through the travel agency. Covermore were wonderful to deal with in our claim for the remainder of our out of pocket costs. Our claim was processed i an efficient and timely manner. Couldn’t recommend more highly. Thanks Covermore! Show details ·  1

Adrian
AdrianVIC
  Single Trip

I have used this insurance company for over 10 years. As this being the first claim I wasn't sure what to expect. The lady who handled my claim was extremely polite and professional, and my claim was reviewed and sorted within the prescribed time stated on their communications acknowledging receipt of my claim. I recommend this Travel insurance company and will continue to use them. Show details ·  1

Allen Clark
Allen ClarkQLD
  Multi-Trip

Our claim was processed within 5 working days and the amount approved was as we expected. I have no issues with the Insurance company and would happily recommend them. Show details ·  1

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.

Go to offer