Cover-More: International Basic
The terms
- Cover-More Australia Product Disclosure Statement, 15 October 2025
- Cover-More Travel Insurance Target Market Determination, 7 August 2024
A travel premium is priced from the trip, so for a price ask Cover-More — online or by phone.
Conditions
- Covers one overseas trip.
- The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.
- A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.
- Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.
single-trip overseas cruise-add-on pre-existing-if-approved pre-existing-some-included overseas-365-days
What this plan covers
| Benefit | This plan pays up to | Excess | |
|---|---|---|---|
| Overseas Medical Expenses | $Unlimited~ | yes | no dollar cap stated |
| Overseas Emergency Dental Expenses | $2,000 | yes | |
| Additional Expenses | $Unlimited | yes | no dollar cap stated |
| Return of Mortal Remains | $25,000 | yes | |
| Amendment or Cancellation Costs | $Cover Chosen^ | yes | the sum insured chosen at purchase |
| Luggage and Travel Documents | $5,000 | ||
| Phone or Smart Watch - limit per item• | $1,000 | ||
| Camera or Video Camera - limit per item• | $3,500 | ||
| Laptop Computer - limit per item• | $3,000 | ||
| Tablet Computer - limit per item• | $3,000 | yes | |
| Drone (with or without camera) - limit per item• | $1,000 | ||
| Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine | $1,000 | ||
| Jewellery or Watch or any other item - limit per item• | $1,000 | ||
| Delayed Luggage Allowance | $600 | yes | |
| Personal Liability | $1,000,000 | no | |
| Cruise Cover | $Cover | the document states this in words rather than an amount | |
| (ii) On-board Medical and Dental Cover | $Unlimited~ | yes | no dollar cap stated |
| (iii) Ship to Shore Medical Cover | $Unlimited | yes | no dollar cap stated |
| (iv) Sea Sickness Cover | $Unlimited~ | yes | no dollar cap stated |
| (vi) Missed Port (embarkation) | $1,000 | no | |
| (vii) Missed Shore Excursions | $1,000 | no |
8 row(s) of this table carry no value in this plan’s column, so nothing is published for them here: Rental Vehicle Insurance Excess, Resumption of Journey, Missed Connections, Special Events, Hospital Incidentals, Hijacking, Disability, Accidental Death. A missing value is not an exclusion — a plan that excludes a benefit says so in words, and those are listed above.
What it does not cover
- Pet Cat or Dog Boarding*
- Travel Services Provider Insolvency
- Money
- Travel Delay
- Loss of Income
- Alternative Staff
Who stands behind it
| Brand | Cover-More |
| Insurer | Zurich Australian Insurance Limited |
| Sold by | Cover-More Insurance Services Pty Ltd |
Data
cover-more.json: this brand as data, including this plan.- All Cover-More plans · 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.