CoverMore Travel Insurance: Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Planning a trip involves more than just booking flights and accommodations. Ensuring you’re covered for unforeseen circumstances through a solid travel insurance plan is crucial too.

One provider that’s become a go-to for many travelers is CoverMore. If you’re considering purchasing a policy from them, this comprehensive guide to CoverMore Travel Insurance is here to aid your decision.

Who is CoverMore?

CoverMore is an Australian-based travel insurance provider that’s been operating since 1986.

Its experience, customer-centric approach, and extensive range of insurance products have earned CoverMore a place among the top travel insurance providers globally.

They serve millions of customers each year, providing coverage for everything from trip cancellation to medical emergencies.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does CoverMore Travel Insurance Cover?

CoverMore provides a broad spectrum of coverage to cater to various traveler needs. Let’s look at the primary aspects their policies cover:

  1. Medical and Dental Expenses: CoverMore provides comprehensive medical and dental coverage, which includes hospital stays, surgical procedures, outpatient treatment, and emergency dental expenses.
  2. Amendments or Cancellation Costs: If you have to amend your travel plans or cancel your trip due to unforeseen circumstances, CoverMore offers coverage to minimize your financial loss.
  3. Luggage and Travel Documents: CoverMore provides coverage for lost, stolen, or damaged luggage and personal effects. This also extends to travel documents, including passports and credit cards.
  4. Delayed Luggage Allowance: If your luggage is delayed by a transport provider, CoverMore provides an allowance for you to purchase essential clothing and toiletries.
  5. Rental Car Insurance Excess: If you plan to rent a car during your travels, CoverMore’s coverage includes rental car insurance excess.
  6. Resumption of Journey: If you must return home due to an unexpected event, CoverMore will cover the cost of resuming your journey.
  7. Hospital Incidentals: If you’re hospitalized while traveling, CoverMore provides a daily allowance to cover incidental expenses.
  8. Personal Liability: CoverMore provides coverage in case you become legally liable for injuring another person or damaging their property.

Why Choose CoverMore Travel Insurance?

When evaluating travel insurance options, it’s natural to wonder why you should opt for CoverMore. Here are some reasons:

  1. Global Assistance: CoverMore operates its own global assistance network, ensuring round-the-clock access to medical and travel specialists wherever you are in the world.
  2. Flexible Policies: With CoverMore, you can choose from various policy options, allowing you to find one that best suits your travel needs and budget.
  3. High Medical Coverage Limits: CoverMore offers high coverage limits for medical and dental expenses, which is particularly beneficial for travel to countries where healthcare costs are high.
  4. Wide Range of Pre-existing Medical Conditions: CoverMore considers cover for a wide range of pre-existing medical conditions, making it a preferred choice for many travelers.

CoverMore Travel Insurance: Customer Reviews

Customer reviews offer invaluable insights when you’re considering a product or service. With an average rating of 4.2 out of 5 on Product Review, CoverMore is generally well-received by its customers.

Customers frequently praise the company for its efficient claims process, helpful customer service, and comprehensive coverage. However, some customers have noted that the cost of CoverMore’s policies can be higher than some competitors.

As always, it’s essential to read policy documents carefully and ensure you fully understand what’s covered before purchasing a travel insurance policy.

CoverMore Travel Insurance vs. Other Providers

As with any service, it’s beneficial to compare CoverMore with other travel insurance providers before making a decision.

While CoverMore shines in its comprehensive coverage and high medical limits, its prices can be higher than other providers. If cost is a primary concern for you, it might be worth exploring other options.

On the other hand, if you’re looking for robust coverage and don’t mind paying a bit extra for the peace of mind, CoverMore could be an excellent choice. The decision ultimately depends on your personal needs, travel plans, and budget.

This guide has aimed to shed light on CoverMore Travel Insurance, helping you make an informed decision about whether it’s the right choice for you.

Remember, the best travel insurance policy is one that offers the coverage you need at a price you’re comfortable with.

Happy and safe travels!

FAQs about CoverMore Travel Insurance

Does CoverMore cover COVID-19 related claims?
Yes, CoverMore offers coverage for COVID-19 related claims under certain conditions. Be sure to check their policy details for the latest information.

Can I get a CoverMore policy if I have a pre-existing medical condition?
Yes, CoverMore considers cover for a wide range of pre-existing medical conditions. However, you must declare all conditions during the application process.

What should I do if I need to make a claim with CoverMore?
If you need to make a claim, you should contact CoverMore’s claims department as soon as possible. Remember to keep all relevant documentation, as you’ll need it to support your claim.

Can I get coverage from CoverMore if I’m traveling to multiple countries?
Yes, CoverMore offers travel insurance for single and multiple destinations. You’ll need to list all countries you plan to visit when applying for a policy.