Cover-More
The terms
- Cover-More Australia Product Disclosure Statement, 15 October 2025 effective 18 September 2025
- Cover-More Travel Insurance Target Market Determination, 7 August 2024 effective 7 August 2024
A travel premium is priced from the trip, so for a price ask Cover-More — through covermore.com.au, by phone, or through whoever sells it.
Plans
International
Every limit for one plan: International Basic · International Comprehensive · International Comprehensive+
1 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | International Basic | International Comprehensive | International Comprehensive+ | Excess |
|---|---|---|---|---|
| Overseas Medical Expenses | $Unlimited~ | $Unlimited~ | $Unlimited~ | yes |
| Overseas Emergency Dental Expenses | $2,000 | $2,000 | $2,000 | yes |
| Additional Expenses | $Unlimited | $Unlimited | $Unlimited | yes |
| Return of Mortal Remains | $25,000 | $50,000 | $60,000 | yes |
| Pet Cat or Dog Boarding* | $Nil | $300 | $300 | yes |
| Travel Services Provider Insolvency | $Nil | $5,000 | $10,000 | no |
| Amendment or Cancellation Costs | $Cover Chosen^ | $Cover Chosen^ | $Cover Chosen^ | yes |
| Luggage and Travel Documents | $5,000 | $15,000 | $25,000 | |
| Phone or Smart Watch - limit per item• | $1,000 | $1,500 | $2,500 | |
| Camera or Video Camera - limit per item• | $3,500 | $4,000 | $6,000 | |
| Laptop Computer - limit per item• | $3,000 | $4,000 | $5,000 | |
| Tablet Computer - limit per item• | $3,000 | $3,000 | $3,000 | yes |
| Drone (with or without camera) - limit per item• | $1,000 | $1,200 | $2,000 | |
| Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine | $1,000 | $1,200 | $1,500 | |
| Jewellery or Watch or any other item - limit per item• | $1,000 | $1,200 | $1,500 | |
| Delayed Luggage Allowance | $600 | $1,100 | $1,500 | yes |
| Money | No Cover | $250 | $500 | no |
| Rental Vehicle Insurance Excess | — | $5,000 | $10,000 | no |
| Travel Delay | No Cover | $2,000 | $3,000 | no |
| Resumption of Journey | — | $3,000 | $6,000 | yes |
| Missed Connections | — | $3,000 | $3,000 | yes |
| Special Events | — | $5,000 | $6,000 | yes |
| Hospital Incidentals | — | $6,000 | $10,000 | no |
| Hijacking | — | $5,000 | $10,000 | no |
| Loss of Income | No Cover | $30,000◊ | $45,000◊ | no |
| Disability | — | $25,000◊ | $30,000◊ | no |
| Accidental Death | — | $25,000◊ | $30,000◊ | no |
| Personal Liability | $1,000,000 | $2,500,000 | $5,000,000 | no |
| Alternative Staff | No Cover | No Cover | $15,000 | no |
| Cruise Cover | $Cover | $Cover | $Cover | |
| (ii) On-board Medical and Dental Cover | $Unlimited~ | $Unlimited~ | $Unlimited~ | yes |
| (iii) Ship to Shore Medical Cover | $Unlimited | $Unlimited | $Unlimited | yes |
| (iv) Sea Sickness Cover | $Unlimited~ | $Unlimited~ | $Unlimited~ | yes |
| (vi) Missed Port (embarkation) | $1,000 | $1,000 | $1,000 | no |
| (vii) Missed Shore Excursions | $1,000 | $1,000 | $1,000 | no |
Domestic
Every limit for one plan: Domestic Basic · Domestic Comprehensive · Domestic Comprehensive+
1 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Domestic Basic | Domestic Comprehensive | Domestic Comprehensive+ | Excess |
|---|---|---|---|---|
| Additional Expenses | $10,000 | $10,000 | $25,000 | yes |
| Return of Mortal Remains | Included in limit above | Included in limit above | Included in limit above | yes |
| Travel Services Provider Insolvency | No cover | $5,000 | $10,000 | no |
| Amendment or Cancellation Costs | $Cover Chosen^ | $Cover Chosen^ | $Cover Chosen^ | yes |
| Phone or Smart Watch - limit per item• | — | $1,500 | $2,500 | |
| Camera or Video Camera - limit per item• | — | $4,000 | $6,000 | |
| Laptop Computer - limit per item• | — | $4,000 | $5,000 | |
| Tablet Computer - limit per item• | — | $3,000 | $3,000 | yes |
| Drone (with or without camera) - limit per item• | No cover | $1,200 | $2,000 | |
| Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine | — | $1,200 | $1,500 | |
| Jewellery or Watch or any other item - limit per item• | — | $1,200 | $1,500 | |
| Delayed Luggage Allowance | — | $1,100 | $1,500 | yes |
| Money | — | $250 | $500 | no |
| Driving Holidays Cover for the Insurance Excess on Your Personal | — | $2,500 | $2,500 | no |
| Rental Vehicle Insurance Excess | — | $5,000 | $10,000 | no |
| Travel Delay | — | $1,000 | $1,000 | no |
| Resumption of Journey | — | $Nil | $2,000 | yes |
| Missed Connections | — | $Nil | $2,000 | yes |
| Special Events | — | $2,000 | $2,000 | yes |
| Loss of Income | — | $30,000 | $45,000◊ | no |
| Disability | No cover | $25,000◊ | $30,000◊ | no |
| Accidental Death | — | $25,000◊ | $30,000◊ | no |
| Personal Liability | $1,000,000 | $2,500,000 | $5,000,000 | no |
| Alternative Staff | No cover | No cover | $15,000 | no |
Inbound
Every limit for one plan: Inbound
1 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Inbound | Excess |
|---|---|---|
| Overseas Medical Expenses | $Unlimited~ | yes |
| Overseas Emergency Dental expenses | $2,000 | yes |
| Additional Expenses | $Unlimited | yes |
| Return of Mortal Remains | $50,000 | yes |
| Pet Cat or Dog Boarding* | $300 | yes |
| Travel Services Provider Insolvency | $5,000 | no |
| Amendment or Cancellation Costs | $Cover Chosen^ | yes |
| Luggage and Travel Documents | $15,000 | |
| Phone or Smart Watch - limit per item• | $1,500 | |
| Camera or Video Camera - limit per item• | $4,000 | |
| Laptop Computer - limit per item• | $4,000 | |
| Tablet Computer - limit per item• | $3,000 | yes |
| Drone (with or without camera) - limit per item• | $1,200 | |
| Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine - limit | $1,200 | |
| Jewellery or Watch or any other item - limit per item• | $1,200 | |
| Delayed Luggage Allowance | $1,100 | yes |
| Money | $250 | no |
| Rental Vehicle Insurance Excess | $5,000 | no |
| Travel Delay | $2,000 | no |
| Resumption of Journey | $3,000 | yes |
| Missed Connections | $3,000 | yes |
| Special Events | $5,000 | yes |
| Hospital Incidentals | $6,000 | no |
| Hijacking | $5,000 | no |
| Loss of Income | $9,000◊ | no |
| Disability | $25,000◊ | no |
| Accidental Death | $25,000◊ | no |
| Personal Liability | $2,500,000 | no |
| Medical Expenses in Australia | $1,000,000~ | yes |
| Emergency Dental Expenses in Australia | $2,000 | yes |
| Cruise Cancellation | $Cover Chosen^ | yes |
| (ii) On-board Medical and Dental Cover | $Unlimited~ | yes |
| (iii) Ship to Shore Medical Cover | $Unlimited | yes |
| (iv) Sea Sickness Cover | $Unlimited~ | yes |
| (v) Cabin Confinement | $100 per day - up to a maximum of $1,500 | no |
| (vi) Missed Port (embarkation) | $1,000 | no |
| (vii) Missed Shore Excursions | $1,000 | no |
Getting a quote
- The age of every traveller to be covered, not just the eldest.
- Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.
- Departure and return dates, and for an annual policy the longest single trip.
- The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.
- Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.
- Whether they already hold travel cover through a credit card or health fund.
Who this product is designed for, in the insurer’s own words:
The product is designed for travellers who want the flexibility to choose options to vary their cover
Who stands behind it
Who carries the risk decides who pays a claim and nothing else: it does not set the price and it does not change what the plans above cover. It is here because a brand’s own site mostly does not say it, and because several of these brands turn out to share one insurer.
| Insurer | Zurich Australian Insurance Limited
ABN 13 000 296 640, AFSL 232507 |
| Register | on APRA’s register and authorised to write new business |
| Sold by | Cover-More Insurance Services Pty Ltd
agent of insurer |
| Cooling off | 21 days |
The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507
Data
cover-more.json: this page as data.- Every brand and who underwrites it, and every insurer and plan.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.