Cover-More Domestic Travel Insurance - Multi-Trip

Never again,I had an immediate family member pass away on me this week,and was pretty well told I have to chase airlines and booking agent myself,what a stressful week ,never again Show details

Cover-More Travel Insurance Do Not Buy! So where to start? On the 9th of July 2025 purchased a Cover-More Domestic Comprehensive+, Annual Multi-Trip travel insurance policy, paying $399 for a 12 month premium. As a result of changed circumstances… Read more

we decided to cancel the travel insurance policy on 30 August 2025. We held the policy for 52 days (of an 365 day policy coverage) and did not make any claims, and only travelled interstate once. After speaking with the Cover-More Philippine call centre we were requested by a ‘Mya’ to email our date of birth and any travel dates and destination declared on the policy, which we promptly did. The following day we received a reply from a ‘[Name Removed]’ of the Cover-More Philippine call centre demanding documents that match the policy's start date to demonstrate that the policy was not used by documentation that showed; •        No-show confirmation from the transport provider on the intended departure date •        Cancelled itineraries •        Refund ledger •        Cancelled or credited flight confirmations Keep in mind that we stated in writing several times that did not make a claim, nor did we cancel any flights or seek a credit for anything, and we had no idea of what a ‘refund ledger’ is? Each email back and forward took the Philippines Cover-more call centre one day to answer, so by this stage we were on day 4 of simply trying to cancel the policy. The following day [Name Removed] replied that a refund of $145 would be refunded as long as we provided a statutory declaration signed in the presence of a solicitor, commissioner for oaths, or notary public attesting to us not having made a claim on the policy. The amount of $145 [Name Removed] pointed out was a’system generated’ figure. The following day we pointed out that in fairness any refund should be calculated on any residual (unused) component of the policy which was $352 (i.e policy cost per day of $0.9147, less 52 days of policy use being $47 from $399). We felt we were entitled to a refund of $352, not a so called ‘system generated’ figure of $145. When quizzed as how the system generated system worked the response was silent. So by day 6 we felt we had no option but to play this silly game, so traveled across town found a JP and made a sworn two page detailed affidavit, attesting to basically not making any claim under the policy. Again keep in mind that this just canceled the policy and get some sort of refund on a $399 travel insurance policy. We subsequently emailed the sworn affidavit to Philippines Cover-more. On day 7 we get reply from [Name Removed], stating that the sworn affidavit was not acceptable because it was witnessed by a; solicitor, commissioner for oaths, or notary public. This was very embarrassing to read as it was obvious that these Philippine call centre people had absolutely no idea of Australian legal practice. In response we provided web page extracts and hyperlinks to Australian state and commonwealth government sites showing that a justice of the peace is also known as a commission for oaths. On day 8 we get a response from [Name Removed] continuing to offer $145. We responded by stating this was in clear breach of the Insurance Council of Australia code of conduct and that as the owner of Cover-More, Zurich Insurance Group Australia is a member of the Insurance Council of Australia (ICA) and has been since 1983. In fact the Zurich Australia CEO has also served on the ICA board, most recently in May 2023, that we would write to the Zurich Australia CEO as well as lodging a complaint with the Australian Financial Complaints Authority for breach of the rules. On day 10, it appeared that [Name Removed] and Philippines gang at Cover-More had a rethink and decided to offer us a full refund of $399 as ‘a sign of good faith’ and because we ‘were long term loyal customers’. We accepted the full refund. It is absolutely amazing the length we had to go to, to do something that in Australia is a simple and relaxed task like cancelling an insurance policy, which for example we did with NRMA insurance a few weeks back after selling a motor vehicle. No sworn affidavit, no 9 emails back and forth only a tick of an only box and a week later a cheque in the mail with the balance of the car insurance policy balance! I will NEVER EVER consider Cover-More insurance again and would hate to imagine what it would be like to be in a position of trying to lodge an urgent medical insurance claim through these unprofessional lot if you were for example stuck in some god forsaken distant 3rd world country?

I have had a Cover more annual domestic multi-trip cover for a year and only find out after delving into it YOU HAVE TO BIY THE VERY EXPENSIVE COMPREHENSIVE RENTAL CAR COMPANY INSURANCE to be covered for the excess, of which there would obviously be… Read more

none of you took this out. In other words, there is absolutely no point in having this. I was not told this, it only says it in the fine print - so I have been driving unknowingly uninsured for a year. RESULT: despite their their car rental excess component of the insurance being totally useless (because you have to buy the very expensive rental car comprehensive insurance anyway which reduces your excess down to zero), they maintain that I am not eligible for a refund because I should have read all of the fine in the policy before signing up. SO MAKE SURE YOU KNOW WHAT YOU ARE SIGNING UP FOR AND ASK ANY QUESTIONS YOU NEED TO ASK BECAUSE YOU WOULD GO ON TRUST THAT THESE PEOPLE WOULD GIVE YOU INSURANCE THAT WAS ACTUALLY USEFUL AND NOT INVALID. I RECOMMEND NOT JUST BUYING IT ONLINE BUT PHONING THEM UP AND CHECKING EVERYTHING YOU WANT INSURED - DON'T TRUST THAT WHAT YOU WANT TO BE INSURED WILL BE INSURED BECAUSE QUITE LIKELY WITH THESE PEOPLE IT WON'T!

Cover-More staff provided an understanding, supportive service in talking through the options for putting in a claim. Actually submitting the claim was easier than I expected - which was appreciated as there is other paperwork that I needed to get to ... Thank you to your staff. Show details ·  1

We found the policy easy to setup and good value for money. We have used Cover-More each time we have travelled and this is the first time we have made a claim. As we are both over 80, we thought we would find the claiming process daunting, but there was regular helpful communication from Cover-More. We are very happy to learn that our claim has been approved. Show details ·  1

I have been most impressed by the professionalism and speed with which Cover-More Travel Insurance reviewed my recent overseas travel claim. I was kept fully apprised of developments during the assessment process and was offered the opportunity of further mediation in the event I did not accept the company's initial assessment. I am most grateful for your concern and help with my situation. Howard Brown Show details ·  1

Our claim was handled by courteous & friendly staff. Some documents we forwarded re our claim were misplaced but the staff tracked them down & proceeded with our claim which has been accepted. Show details ·  1

Small claim due to travel delay bad weather for ferries off Sicily. Easy form to fill in and claims accepted & processed without delay. I shopped around pre travel and Cover More included al l required at a fair price for my age and under 12 mths post op. Certainly would use again and recommend to others. Thank you Show details ·  2

I needed to change my flights when my mother in law passed away unexpectedly. I put a claim in for additional flight costs and within a week had this approved. Excellent service by Cover More Travel Insurance Show details ·  1

I am very satisfied with the outcome of my claim and the quick turnaround. The process was pretty much seamless, and the video tutorial is excellent. I'm so glad I took out travel insurance. As I don't travel much this is the first time ever, I had to claim. Covermore 10/10 Show details ·  2

Cover-More were very prompt in processing my claim, and the policy was good value. I would recommend Cover-More to anyone, even for short trips within Australia! Show details ·  1

Wonderfull service had to make a claim because of illness Approved in just 6 working days Thanks guys Merry Xmas – I am extremely happy with the service that Cover-more Travel insurance provided Our claim was handled quickly and professionally , my Wife and myself are very grateful . Show details ·  1

Thank goodness I got insurance – I found it easy to make a claim, I usually do not get insurance for domestic but I decided this time and thank god I did as our son fell terrible sick and was not fit to fly so our holiday plans went down the drain with a lot of money, we thought. Until I made a claim and Covermore really made a difference to our financial stress. Show details ·  1

Difficult situation resolved – I missed my flight to Sydney ongoing to Hervey Bay due to extreme roadworks between home and Launceston Airport. The lodged claim was dealt with efficiently and I feel the service was excellent value, easy to initiate and the claim process was simple. I will be insuring with Cover More in future. Show details ·  1

Terrible experience – STAY AWAY!!! Horrible pathetic company who are money hungry. Absolute scammers. Denied my family and i’s claim after finding out terrible medical issue and child suffering mental heath issues. Shameless people. Show details

Easy to purchase – The purchase of policies was fairly easy and there was cover available for older people with some health issues. Have never had to make a claim, so cannot comment about that. Policy was reasonable value for us and gave us peace of mind. Have used Cover-more more than once but don't remember how many times. Show details ·  1

Prompt assessment and payment of travel insurance claim – I found the online claim process easy to follow; Covermore responded promptly and professionally with further questions. They assessed and paid our claim quickly. I am happy with the experience. Show details ·  1

Prompt and helpful – I feel the results of my claim were quite prompt and grateful of the outcome I really wasn't sure but I gave as much detail as I could and I'm very appreciative. Show details ·  1

GREAT PROVIDER ! – I can endorse Covermore as a reputable, professional and customer-oriented insurance provider . I have used Covermore for a number of years now. The " plan process" is easy to understand .. and.. the claim process is uncomplicated . Well done Covermore .. I will use you.. FOREVER ! Kevin Show details ·  2

Confident with Cover-more Travel Insurance – Sincerely appreciate Cover-more client focused response and prompt responses to our insurance claim. Cover-more have always provided us with confidence of their support and professionalism. Show details ·  3

Absolutely worthless policies – Not worth your time. I was left stranded by this company. Everything I had in my comprehensive insurance package was wiggled out of with ridiculous excuses. Save your money, go elsewhere because they will let you down when you need it most. Show details

After going to many insurance company's, Cover more insurance is the best of them all! – Cover more insurance has been amazing for my family and I as we all use it. I travel domestic a lot of the time for work and I want to be sure if something happens, I am covered from any unexpected costs. I trust cover more insurance so much because the staff are genuine people and are very nice to you. I couldn't thank cover more insurance… Read more ·  1

anymore for what they have done for me. I highly recommend using this insurance! Thank you cover more insurance!

Please keep away from Covermore (AKA cover no more) – First time using this company due to their cheap rates, was not worth saving the small amount of money I when on a fishing trip to WA and had some possessions stolen cover more refused to cover my loses, do not use this travel insurance, its a scam at its best Poor value and service Show details

Never-more insurance – Used three times for long trips and long stays… after seeing them decline cover to an Australian who has some drinks but had not been tested for blood alcohol levels after an injury, I realise these guys are not safe to use for future travel. Show details

Don't bother, there's better – Long winded paperwork to make a claim. Have to repeat the same info more than once. Delays in getting any reply. Have to do all the leg work. Get the run around which feels like its really just a waste of time even trying to make a claim. Which in the end.. it was a waste of time. Would not recommend & would never use again. My claim, l thought… Read more

was straight forward & genuine. Flight delayed by several hours, which wasn't a real issue. Planes are always delayed. Flight leaves at a later time, all good. Flight now goes to a different state, not where l wanted to go. Flight lands after midnight & no further flights out of this state until 8:00 in morning to where l was suppose to be going in the first place. Terminal closes as we exit. So here's the choice...sit on a bench outside the closed terminal for the next 7 hours, rain & cold or book a hotel room ?? Booked a hotel room. Made a claim for hotel. Claim was dismissed. So why did l have insurance ?? Maybe it was for the cost of a hot milo & raspberry jam on toast, which l didn't actually have, but maybe Covermore does cover this. So for me, lesson learnt, there are better insurance options. Would not use this insurance company again. Covermore/Zurich. More like Coverless.

Excellent prompt service – I have been insuring with Cover-more for at least 20 years and have now made two claims both of which have been quickly processed. Show details ·  1