Cover-More Premium Travel Insurance

Claiming is very difficult. Qatar airway changed our flight with a small notification on the app. We had to pay for additional accommodation and meals while we waited for our new flight. We provided proof of our initial booking with the airline and the new booking with the airline. Cover more required a letter in writing from Qatar Airways… Read more

explaining why the flight was cancelled. Obviously, the airline won’t supply that information. Regardless of all other proof supplied, they would not accept the claim. This was one of the main reasons why we took off the cover as we were doing a large Europe trip with multiple destinations and wanted to protect ourselves from airlines and accommodation cancelling or changing flights.

Highly recommend Cover-More Insurance! They handled my claim with excellent customer service and communication. The process was stress-free because they always kept me informed of the progress every step of the way. Five stars! Show details ·  1

After a theft on the Spanish rail system Covermore acted within 2 weeks of my lodging a claim, the speed was much appreciated. All items including Phone, ear buds, reading glasses etc that were in the bag were covered and payment made with no fuss. I would highly recommend Cover more. Show details ·  1

We recently used Cover-More Travel Insurance for a family trip to Thailand where, unfortunately, both of our young children became quite unwell. The situation resulted in multiple doctor visits to our hotel room, significant medical expenses,… Read more ·  2

delayed travel back to Perth, additional accommodation and changes to our flights. By the end of it, we were approximately $12,000 out of pocket, so having the right travel insurance was incredibly important.

Throughout the experience, the Cover-More team were professional, patient, understanding and genuinely supportive — both while we were overseas dealing with two sick children and after we returned home to Perth. The people we dealt with were exceptional and showed a great deal of empathy during what was a pretty stressful experience for our family.

There were certainly some frustrations with the process. The online system for uploading documents was clunky and crashed on us several times. We also had two separate claims being managed by two different claims officers because both children were sick, despite everything arising from the same family trip. This resulted in some internal miscommunication, duplicated correspondence and made an already complicated claim process harder to navigate.

That said, whenever we spoke directly with the Cover-More team, they were extremely helpful and worked patiently with us to get everything resolved.

Ultimately, our claim was covered, which is exactly what you hope your travel insurance will do when something genuinely goes wrong overseas.

The systems and internal coordination could definitely be improved, but the people behind them were excellent. We’re very appreciative of the support and understanding shown to our family throughout the entire process.

My Covermore Insurance claim experience – I had a laptop stolen in Hamburg Airport. I reported the incident to the Airport Police and was able to provide a copy of that report to Covermore. I also provided Covermore with a copy of my laptop purchase receipt and a full description of the… Read more ·  3

events and circumstances concerning the theft. I also provided Covermore with proof that our holiday had been paid for with our Combank travelcard. The laptop was never recovered but I'm grateful that the full value of the stolen item, less excess, was paid by Covermore insurance. This type of travel insurance is much cheaper than other options and obviously works when needed provided you are able to provide all the information necessary to process the claim.

Customer service was great on the before and after. Plenty of emails updating the process of the claim. Show details ·  1

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.

My claim was approved 4 weeks ago or so. You'd think I'd have the money by now, wouldn't you? Except that since then Covermore have - managed to botch two payment attemtps. - Not believed me when I said the mistake was at their end, and that the second payment was also returned by my bank due to the same error with my account number (they… Read more

inexplicably included a dahs). - Held me on the phone for hours repeatedly without actually DOING anything for me. - Given me countless sentences starting with "should" while thinking that the same action might result in different outcomes. - Not investigated to matter properly. - Not made the payment on the day promised. - Given me unrealistic timelines. - Refused to put me through to team leaders. - Not called me back when promised. - Hung up on me - And only initiated complaints proceeding when I threaten with the Ombudsman and media.

And now I have to wait another 30 days for the complaint to be finalised, while they still have my money and I can't pay my bills. THEY SHOULD BE ASHAMED!

Our policy was easy to set up via our travel agent and sadly we had to cancel our overseas travel and return home immediately, only two days into our trip. It takes a while to put together a list of all cancelled flights, accom, trains, entries and tours with screen shots of tickets, bookings, bank statement and verification of whether or not a… Read more ·  1

refund was claimed/applicable via our bookings but we understood that it was necessary. Travel insurance only reimburses out of pocket so claims need to be looked at and approved and evidence needs to be provided. We just put ourselves in the shoes of the employees of covermore and gave them the info they needed. Approval didn’t take long, it only took about 2 weeks once we had provided some info we had missed. We will in future keep a log of all bookings and receipts in a folder on our computer just in case we ever need to claim again. We were very happy with the required process and other family members also had the same experience with their claims. After what happened to make us cancel our trip we appreciated that cover more didn’t make the claim process any harder than it needed to be. This was our 3rd policy, we are looking at finally getting overseas again next year and we won’t hesitate to use cover more for our travel ins once again.

Have always used Covermore, came as a recommendation from a travel agent originally, always been happy. Prices are reasonable, terms are as good as everyone else, I've only made two claims over the years, but both time, no hassle at all. Highly recommend if you want to insure your trip without any stress. Show details ·  1

The team at CoverMore were extremely helpful when I became sick in Vietnam. They were very supportive, advised us to get any treatment necessary and even covered pharmacy expenses from prior to the hospital visit. The claim was reviewed quickly and I would recommend covermore to anyone travelling overseas. Show details ·  1

After suffering a stroke close to the time of my “first cruise”, I was medically deemed unfit to travel. I was shocked that when I cancelled my cruise, my travel agent advised that the Cruise Line would refund only 4.5% of what I paid. Oh and I would have to wait for 45 working days (9 weeks) for the refund. I admit I was shocked. In addition they… Read more ·  1

advised contacting my travel insurance. I lodged a claim with covermore and they advised a 10 day wait and gave clear instructions. In 8 days they got back to me with a request for additional paperwork. After I sent it - I got a letter advising that they were refunding me in full - otherwise than the 4.5% would be coming to me….in 45 days. I have to say that covermore was excellent. I had a stressful and difficult time, but covermore acknowledged my situation and promptly reimbursed me. This company I will use for everything moving forward. Thankyou Covermore!

Very expensive compared to other companies! I should have done my research prior to but panicked as I’d left it to the last minute to take out an insurance policy prior to my overseas trip. After taking out the policy (and being on the phone for almost 1 hour) I googled other companies and Covermore was substantially more expensive for the same product! Not happy. Show details

We have had several travel insurance policies with Cover More. Since they have outsourced their call-centre, the customer service has been terrible. We will not use them again. We have not had to make any claims, and I hate to think what the service will be like if we had to do that. Show details

Do not purchase travel insurance with this company. I purchased an upgraded policy prior to a trip to the USA. Following a traffic accident and injury, which Cover-More has agreed did occur, I had surgery and 6 months off-work. Cover-More's Commitment to Customers policy gives them 9-10 working days to reply which drags-out the claims process.… Read more

However, at one point, I had not received any reply for 33 business days (even after prompting them) and started the complaints process. A very quick claim denial occurred after this. Hours of time by myself, GP and Surgeon was spent jumping through every extra request for documentation that Cover-More required, for them to ignore e-mail contact and then deny the claim once I began to formally complain. I have never made a travel insurance claim before but for a company to agree as part of their claim denial that I had a policy, was seriously injured, had surgery, and had loss-of-income to then deny the claim on a technicality is unethical and immoral. From my experience, I highly recommend not purchasing travel insurance with Cover-More.

Excellent review and quick successful response to our claim for our trip to Japan including a cruise..It's allways advisable to keep detailed emails, copies of all costs/purchases and associated final receipts for your trip to ensure a complete and swift reply to a claim..Cover-More where very helpful in all aspects of our claim submission and successful outcome. Definitely recommended for any future travel insurance... Show details ·  1

The people at the Commonwealth Bank Credit Card Insurance were very helpful in progressing this claim. We had planned a lovely trip to Spain and Portugal which included a ten day cruise. Unfortunately six months before we were to take the trip my partner was diagnosed as having a cyst attached to her spine. This required an operation and the… Read more ·  1

surgeon recommended that she not travel for at least six months post operation. As a result we had to cancel the trip.

The claim was handled swiftly by Cover-More and we were reimbursed for our non refundable expenses, less the policy excess.

My claim took a long time before it was settled because I had to wait until my husband's claim was settled by another company but I am happy with the outcome as I received the full amount back( with what my husband received) that I paid for my cruise and am very happy about that Show details ·  1

this was the first time using cover more and I was surprised how easy it was to get a quote, get insurance and really happy with the overall price. Unfortunately I had items stolen on my trip so it was also my first time actually using travel insurance (I have previously used other brands but was recommended cover more for 6 weeks in Europe).… Read more ·  1

Cover more Jason got back to me quickly and assessed the claim adequately. Very grateful to have had multiple people tell me to use cover more. Definitely will be using cover more again for all my other intentional and domestic trips from now on!

Recently had to cancel a NZ trip due to a traumatic experience and claimed on my Covermore Insurance. I received excellent service each time I phoned or made contact. The staff were polite, helpful and quick with responses to my questions. Because of this, I would definitely recommend the company. Show details ·  1

This is the first time we’ve ever needed to claim on travel insurance and I was a bit apprehensive about the process. It was actually easy to lodge online. Covermore requested a couple more documents and the claim was approved within a week of supplying them. Show details ·  1

My husband had a fall while hiking in Switzerland & Cover-More travel insurance covered all of his emergency expenses including helicopter evacuation, hospital care, medications & public transport. Once he reported his situation their emergency healthcare professionals were in regular contact with him right through to our arrival back home. While… Read more ·  1

it did take a couple of hours to complete the online claims process, all Cover-More service level agreements were met & our approval/reimbursement timeframe was good. It was a great relief to receive the approval notification as emergency evacuation & healthcare in Switzerland is VERY expensive. Thank you. We appreciate it.

My claim was a complex major loss situation. The CoverMore advisor I had did an excellent job of walking me through what I had to do. I have 2-3 followup claims to make and I feel more confident with them going forward. Show details ·  1

I have used Cover-More as my travel insurer on a number of occasions without having to claim. On a recent trip, sickness led to some medical expenses and some flow on booking expenses. Upon submitting my claim, I had my claim approved within a week. I’m glad that when push came to shove, Cover-More delivered. Needless to say, I will continue with Cover-more for my future travel needs! Show details ·  1