Cover-More 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 !

I only needed to speak to staff a couple of times and every time that were helpful and accurate with their responses. I received clear direction. Email responses were prompt and within described timeframes. The company made making a claim an easy process. The claim was processed within the agreed timeframes. Overall, an excellent experience Show details ·  1

After falling ill on the last day of our Bali trip en route to Thailand, I became quite unwell with food poisoning and severe dehydration. There was no time to call Cover-More for advice as I needed medical attention immediately after landing. Two weeks later, once I arrived home, I submitted my medical claim online and it was fully reimbursed… Read more ·  1

within just 10 days. The process was incredibly easy and stress-free.

I’d also like to mention a previous experience from a year earlier in Vietnam during Typhoon Yagi, when our cruise and flights were cancelled. I called Cover-More upset and unsure of what to do or where to go. Even after our call was cut off, the consultant was able to locate me via the Cover-More app and call me back. No claim was ultimately needed, but the help, reassurance and genuine empathy I received were second to none. With her guidance, I was able to cancel and rebook flights directly with the airline.

Knowing that Cover-More truly cares about their customers makes all the difference!! Highly Recommend.

Would not use again. I provided a receipt of payment for medical expenses and was told my claim couldn’t be processed unless I provided a medical report from the treating doctor as well. As my son was the patient I then had to go through consent for release of information. I spent weeks following up this report and it never got sent. After I gave… Read more

up and informed cover more that I couldn’t be bothered pursuing the claim, I got an email telling me my claim was now approved. My claim was a visit to a medical centre doctor so I would hate to think what this company would require if you actually had a serious medical incident! After all this I was rebated $23 from a $300 bill! Yes it’s fair to say $250 was for excess but after all the time spent trying to prove my claim and chasing information I felt this excess could have been waived given the medical report was then no longer required when I gave up pursuing it! Have just booked our next two holidays and will not be using cover more for our travel insurance!

Wife was hit by a bicycle in Amsterdam and got a broken knee-cap. Hospital said surgery may be necessary but we could travel back home if needed for that (surgery in Amsterdam would have been fine, but recovery time before we could travel would have been a showstopper for us). Leg was put in a splint to keep the knee straight. This meant she… Read more ·  1

couldn't fly economy as she would not be able to keep the leg straight so the insurance upgraded her to business class. We also had to cancel some pre-booked trips at short notice (bike barge trips, which is why we were in Amsterdam) and the refunds were minimal (10%) from the tour companies for such late notice. Insurance covered the full amount minus what we were refunded by the companies, plus medical expenses. We did not claim things that were not associated with cancellations or specific to our return expenses (eg train trip to England, hire car in England). Just be sensible and only claim what is realistic. We had this insurance through our credit card as we booked everything for the trip through the card. People tend to ask if we expect lesser coverage using a "free" insurance cover, but we received excellent service, both in Amsterdam when we first contacted the insurers and at home when making our claim. A big plus in the modern world is the X-rays from the hospital were sent to our phone which allowed us to forward them to the insurers who could make a quick decision on the medical basis of our claim.

Had a terrible experience with Dengue fever and was hospitalised, thank you so much for your assessment and quick reply. We would always recommend Cover-More to all our family and friends. Show details ·  1

I have been with Bankwest / Cover more for more than 15 years, and first time I had to claim overseas medical expenses. I dealt with a team of well trained and very professional who treat their customers with respect & timely response. I would highly recommend it. Show details ·  1

Covermore were professional and understanding in processing my claim. The policy was good value assessment was thorough. Claim was processed in reasonable time. Very satisfied with the outcome. Show details ·  1

i hve used Cover more many times - about 25. Service overall when booking is good but when making a claim it slows down somewhat, suggesting there are adequate staff to take bookings , and premiums, but not so many to assess claims. Show details

I purchased international travel insurance from CoverMore before my overseas trip. After being hospitalised for five days due to illness, I paid all medical bills myself and submitted a complete claim upon returning home. The claims process that followed was slow and stressful. I received no meaningful updates, phone calls provided no clear… Read more

information, and my case manager was consistently unavailable. I was even given misleading information about supposed medical reviews that never occurred. Requests to speak with a supervisor were refused. I was then incorrectly told that my claim fell below the excess, despite the correct calculations. Only after filing another complaint was the error acknowledged and payment approved—without any apology or explanation for the mishandling of my initial complaint. Overall, this was a highly frustrating and poorly managed experience.

I travelled to Kuwait in 2024. I had an active insurance policy with Cover More. During my time there I was checked into hospital and was required to undergo some medical examinations which I was given invoices for, in order to submit them to Cover More to claim back the funds I spent out of pocket. I lost access of the policy and contacted… Read more

Cover More multiple times and was either not responded to or told they would send a copy of my policy to me so I could make a claim - which they failed to do a countless amount of times.

I reached out to a friend of mine who works in the insurance field who advised me he would take over and contact Cover More regarding this issue.

He took matters into his own hands, he contacted them and explained what the issue was, he managed to retrieve the policy. He provided them with all the necessary paperwork and details to which he was ghosted and till now has received no correspondence even after chasing it up multiple times.

Cover More is extremely unprofessional. I used to insure with them only, when travelling, many times, paying top dollar to not be given the service I have paid for. They have scammed me and I will never purchase a policy with them again. I have since started insuring with allianz who provides better service for a better price.

Cover More needs to own up for this terrible service they have provided, or should I say FAILED to provide.

The least they could do is respond to queries. If I could rate them -5 stars, I would not hesitate.

Very happy with Cover-More. I had a medical episode aboard a cruise ship. Hospital costs on board were approx $4k and they were fully covered. I also had to arrange new flights home from Hong Kong to Australia and I was only halfway through the cruise when advised to head home. All was covered by cover-more. Show details ·  1

We needed to visit hospitals/medical centres 3 times over two different countries whilst overseas from home in Australia. The Covermore Team were very supportive and reassured and guided us through decision making and processes. They were very clear, concise and quick in their responses. Well done Team! Show details ·  1

Always found CoverMore to be fairly priced and responsive to my claim. I've used them for the USA and many times to Japan for skiing. I recommend them. So good to talk to real people who are Australian based and not go through so many press button 1 2 3 levels. Good operation. Show details ·  1

Covermore handled my claim for medical expenses efficiently and settled the claim promptly (within 10:days). Communication with Covermore was excellent - I was updated at every stage of the claim. I was given precise details regarding the information required to support my claim which made the whole process seamless. The policy was good value for a senior traveller with pre-existing medical conditions. Show details ·  1

Not easy to complete the claim form Little bit difficult to understand what was required Telephone call to Covermore for clarification which was comprehensive informative and provided professionally and compassionately allowed us to complete the form without any problems Did not have any form of conformation of the claim However claim was… Read more ·  1

approved well within the advised time frame without any requests for additional information Very satisfied with the process and would recommend this product to anyone seeking overseas travel insurance

FANTASTIC!! After a fall in Kuala Lumpur Covermore were absolutely brilliant in directing me immediately to a wonderful hospital where I got first class treatment. I could not have had a better experience. Thanks Covermore, your staff were amazing from start to finish & my claim was finalised quickly. Highly recommend. Will definitely continue to use them. Show details ·  2

My wife became ill during a cruise. She was treated at the ship's Medical Centre. The charge for this service was over $9,000. The cruise company provided full documentation for the treatment. When the claim was made to Cover-More this information was provided. Cover-More met the claim in full with no problems and within 10 working days. The… Read more ·  1

obvious message is "if you travel, you must have insurance". We have been using Cover-More since the 1980s and this is our second claim. Both were met with no issues.

The travel insurance policy was good value. We have used Covermore for our travel insurance for many years and always received pleasant and efficient service and it is easy to apply for online. I have also had the need to talk to a person/s by phone. They have been helpful in every way. The claim for my accident overseas only took 2weeks to process and the refund was in my account promptly. Show details ·  1

I highly recommend Cover-More Travel Insurance. Although we weren't expecting a medical emergency whilst overseas these unfortunate things do happen. Webjet actually contacted me regarding a claim or it would have completely slipped my mind. Cover-More Insurance dealt with the claim very quickly (only took a couple of days) and it was a very easy process to make a claim. Great value. My first time using travel insurance, I strongly recommend it. Show details ·  1

I submitted a claim for medical expenses incurred while on holidays overseas. I have had no problems with this claim and look forward to being reimbursed now that the claim has been approved. The claim nas been dealt with promptly and without any problems. Show details ·  2

Unfortunately we needed to make a medical claim for expenses incurred in the USA. Cove-More's online process was user friendly, efficient and stress free. The claim was approved within the timeframes provided. We have used Cover-More over the last few years at least twice a year and this recent experience will ensure we will continue to used their products. Show details ·  1

Big shout out to Covermore. We had to cancel our Xmas Trip due to an unforeseen medical journey (oldies) and Covermore refunded our policy charge in full, even though it was outside the 21 day cooling-off period. We have used Covermore before and I will do again, in the future for this kind, and understanding attitude. Show details ·  1