3Cover-More Premium Travel Insurance - Multi-Trip

Cover-More Premium Travel Insurance - Multi-Trip

 Verified
3Cover-More Premium Travel Insurance - Multi-Trip
2.3

69 reviews

PositivevsNegative
33% · 2345 · 65%

Claim Resolution Time
  • <1 day
  • <1 week
  • 1-2 weeks
  • 2-4 weeks
  • 1-2 months
  • 3+ months
Claim ApprovedYes · No
Value for Money
2.3
Transparency
2.2
Customer Service
2.2

Reviews

69 reviews
Janet J
Janet JGreater Melbourne (Outer), VIC
  Multi-Trip

Prompt, friendly, hassle free resolution of claim

After a recent Transpacific cruise we had occasion to submit a medical claim to Cover-More. We found the staff over the phone, helpful and friendly. We found the online Claim process very easy and had approval of our claim and money in the bank within 5 days. We were very impressed with the ease of the process. Thank you Cover-More. Show details ·  1
Rosalyn
RosalynTasmania
  Multi-Trip

Medical/travel claim

Accessible, helpful, friendly staff. Contactable 24 hours. Easy to set up, good value for money. Quick claim resolution Show details ·  1
Jeremy Lawrance
Jeremy LawranceNSW, 204129 posts
  Multi-Trip

A professional and efficient Insurer

We have been using Cover-More Insurance for many years. We now take annual cover for about 6 trips per year. The online application is easy to use and the premiums are reasonable. I had a claim on a European trip about 8 years ago that included flying me and my wife back to Sydney. The hospitalisation in Zurich and the travel arrangements were handled professionally and without any delays. Show details ·  1
Susan S.
Susan S.South East Queensland, QLD
  Multi-Trip

Settlement at last

Although the process was long and complex and I felt at times that the settlement would never happen, it has. My advice - keep details of everything just in case & include it all if claiming. The policy was worth everything it cost - my illness was most unexpecte Show details ·  1
Value for Money
Transparency
Customer Service
Kelly F.
Kelly F.
  Multi-Trip

Waiting for payment

I would not recommend Covermore insurance.
I was sick on a cruise ship in the Caribbean.
I paid the medical expenses up front.
It has been a joke trying to get Covermore to pay back the medical expenses.
It’s been 9 weeks already and still no payment.
I have used Covermore twice in the past but didn’t make a claim.

I keep receiving a email every 10 days stating they are reviewing my claim. Show details

Cover-More Travel Insurance
Cover-More Travel Insurance   DM   
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Bill C.
Bill C.Sydney, NSW2 posts
  Multi-Trip

Happy travellers after the disappointment of cancelled travel plans and negative responses from Booking.Com

We submitted our claim on a Sunday, got an immediate auto generated response, had a real person respond on the Monday reminding us of the information required to support the claim (we hadn't provided everything), by the Thursday we had an initial assessment covering what we would get paid (not everything we claimed), with a thorough logical explanation of how the decision was decided, with an invitation to dispute if we wanted. We didn't, as we understood the logic. Paid out on Friday. Top marks from us. Show details ·  1
RMH
RMHSouth East Queensland, QLD2 posts
  Multi-Trip

First Class Service

Easy process to submit a claim. When speaking with customer service during the process they were always very helpful and compassionate. From time of submitting claim to receiving outcome was only a couple of weeks. we have used covermore many times this was a first need to claim. Show details ·  1
Jason
JasonGippsland, VIC4 posts
  Multi-Trip
Cover-More Travel Insurance
Cover-More Travel Insurance   DM   
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Mrs Cp. K-v
Mrs Cp. K-vSydney, NSW
  Multi-Trip

Mrs Cp from K/v

we did lodge a claim, 1 x luggage bag wheel completely damaged at terminal prior to collecting off carousel, within 3 weeks we had a response and our claim was accepted and fully paid back. we have used this company every time we go overseas, great service and results. Thank You. Show details ·  1
Ron Kallangur
Ron KallangurDakabin8 posts
  Multi-Trip

Best Travel Insurance to go

Super efficient claim processing. Lodged the claim overnight and approved the the next afternoon. Easy online portal to use also.
This would have to be the best Travel Insurance company available. Show details ·  1
Nevermore travel
Nevermore travelSydney, NSW2 posts
  Multi-Trip

Despicable Coverless not more

Horrible despicable money hungry insurance company do not use. Would not cover stolen bags from a hired car that was locked and in boot and locked glove box . Car was unattended !!!! It was locked , in an open car park , broad daylight with police report !!! We lost over $15k in goods to be insured for 4 items only . IN The fine print !!! Show details
Cover-More Travel Insurance
Cover-More Travel Insurance   DM   
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Patrick
PatrickPerth, WA
  Multi-Trip
Cover-More Travel Insurance
Cover-More Travel Insurance   DM   
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Jan P.
Jan P.Greater Melbourne (Outer), VIC
  Multi-Trip

Dealing with Cover-More Ins a plus

Contacted Ins after accident and had immediate reply. Numerous phone calls received from both admin and company Nurses whilst in NZ. Same contact when back in Australia and claim processed without delay. Staff dealing with claim very efficient and not pressuring to rush things. First time to have to make a claim and have been same cover whenever I travel. Show details ·  1
Mare
Mare4 posts
  Multi-Trip

Claim approved very quickly

Claim approved within 24 hours.
Have used CoverMore travel insurance multiple times.
Policy was more expensive than some other policies investigated but have stuck with CoverMore because I have always felt comfortable with this company as they are well known. Show details ·  1
Value for Money
Carlo B.
Carlo B.Greater Melbourne (Metropolitan), VIC
  Multi-Trip

Insurance Claim

Could have been quicker, however I'm happy with the overall outcome. Show details ·  1

Questions & Answers

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Details

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CategoryTravel InsuranceTravel InsuranceTravel InsuranceTravel Insurance
UnderwriterZurichZurichZurichZurich
Maximum Age Covered 99 years old99 years old99 years old99 years old
Medical Coverage
Overseas Emergency Assistance UnlimitedUnlimitedUnlimitedUnlimited
Accidental Death$25,000$25,000$25,000Not Included
Emergency Dental$2,000$2,000Unlimited
Pregnancy (max weeks) Optional cover for up to the 24th weekOptional cover for up to the 24th weekOptional cover for up to the 24th weekOptional cover for up to the 24th week
Resumption of Journey $3,000$3,000Not IncludedNot Included
Hospital Cash Allowance$50 per day, up to $6,000$50 per day, up to $6,000Not IncludedNot Included
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedNot CoveredUnlimited
Loss of Income$30,000$30,000$30,000Not Included
Permanent Disability$25,000$25,000$25,000Not Included
Luggage & Personal Effects
Theft of Cash $250$250Not IncludedNot Included
Delayed Luggage $1,100$1,100$1,100Not Included
Credit Card Fraud$15,000 as part of Travel Documents cover$15,000 as part of Travel Documents cover$3,000 as part of Travel Documents coverNot Included
Travel Documents / Passport $15,000$15,000$3,000Not Included
Maximum Single Item Limit $4,000 (Cameras)$4,000 (Cameras)$4,000 (Camera, Video Camera, & Laptop), $3,000 (Tablet Computer)
Luggage & Personal Effects $15,000$15,000$5,000Not Included
Ancillary
Personal Liability $2,500,000$2,500,000$2,500,000$2,500,000
Rental Vehicle Excess $5,000$5,000$5,000Unlimited
Motorbike / Moped Coverage Optional cover for up to 250cc motorbikeOptional cover for up to 250cc motorbikeOptional cover for up to 250cc motorbikeOptional cover for up to 250cc motorbike
Domestic Pet Care Not IncludedNot IncludedNot IncludedNot Included
Special Activities Packages
GolfIncludedIncludedIncludedIncluded
CruiseOptional ExtraOptional ExtraOptional ExtraOptional Extra
Adventure Not IncludedNot IncludedNot IncludedNot Included
Snow / SkiOptional ExtraOptional ExtraOptional ExtraOptional Extra
ManualDownload manual
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