Cover-More: International Comprehensive+
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, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.
- 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 annual-multi-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 | $60,000 | yes | |
| Pet Cat or Dog Boarding* | $300 | yes | |
| Travel Services Provider Insolvency | $10,000 | no | |
| Amendment or Cancellation Costs | $Cover Chosen^ | yes | the sum insured chosen at purchase |
| Luggage and Travel Documents | $25,000 | ||
| Phone or Smart Watch - limit per item• | $2,500 | ||
| Camera or Video Camera - limit per item• | $6,000 | ||
| Laptop Computer - limit per item• | $5,000 | ||
| Tablet Computer - limit per item• | $3,000 | yes | |
| Drone (with or without camera) - limit per item• | $2,000 | ||
| Artificial Limb, Removable Dental Appliance, Dentures or Medical Device E.g. Hearing Aids, CPAP Machine | $1,500 | ||
| Jewellery or Watch or any other item - limit per item• | $1,500 | ||
| Delayed Luggage Allowance | $1,500 | yes | |
| Money | $500 | no | |
| Rental Vehicle Insurance Excess | $10,000 | no | |
| Travel Delay | $3,000 | no | |
| Resumption of Journey | $6,000 | yes | |
| Missed Connections | $3,000 | yes | |
| Special Events | $6,000 | yes | |
| Hospital Incidentals | $10,000 | no | |
| Hijacking | $10,000 | no | |
| Loss of Income | $45,000◊ | no | |
| Disability | $30,000◊ | no | |
| Accidental Death | $30,000◊ | no | |
| Personal Liability | $5,000,000 | no | |
| Alternative Staff | $15,000 | 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 |
What it does not cover
No benefit in this table is stated as not covered for this plan.
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
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