Who underwrites Cover-More?

Zurich Australian Insurance Limited, ABN 13 000 296 640, AFSL 232507, as stated on page 2 of the policy wording. Cover-More Insurance Services Pty Ltd, ABN 95 003 114 145, AFSL 241713, arranges the policy on the insurer's behalf. Cover-More itself was founded in Sydney in 1986, listed on the Australian Securities Exchange in December 2013, and was acquired by Zurich Insurance Group in April 2017.

Does Cover-More include cancellation coverage?

Not automatically. Page 10 of the policy wording says the plans may not automatically include cancellation coverage and that you select an amount when you apply. Whatever you choose becomes the total limit for amendment and cancellation costs, and it applies per policy rather than per person, so a family shares one figure. Cancellation Plus Cover is a further option that refunds part of your costs for reasons the policy does not otherwise list.

How much does Cover-More travel insurance cost?

Cover-More does not publish a rate card, and we will not invent one. Its own wording lists the nine things that set the premium on page 23: area of travel, departure date and trip duration, age, plan, your chosen excess, cruise cover, your chosen cancellation amount, coverage for existing medical conditions or pregnancy, and any other option. Five of those nine are choices you make, which is why two quotes for the same trip can look very different.

Does Cover-More cover pre-existing medical conditions?

Only if it has approved them. Claims relating to or worsened by an existing medical condition are excluded by default, exclusion 13. There are three routes: a list of conditions automatically included when you meet the stated criteria, conditions that can be assessed and covered for an extra premium after an online health assessment, and conditions that cannot be covered at all, such as anything involving drug or alcohol dependency or travel against a doctor's advice.

Does Cover-More cover cruises?

Only if you add Cruise Cover and pay the extra premium, and only then for multi-night ocean or sea cruises. Without it, general exclusion 27 removes every claim in any way related to that cruise or arising while you are on it. You do not need it for a river cruise, a single-night cruise, a ferry crossing or cruising within Australian coastal waters.

Does Cover-More cover skiing and adventure sports?

Not in the base policy. General exclusions 24, 25 and 26 remove adventure activities, motorcycling or moped riding, and snow skiing, snowboarding and snowmobiling until the matching option is bought. Around 80 other activities are included on every plan at no extra cost, among them bungee jumping, jet skiing, surfing and scuba diving to 30 meters with a school or qualified instructor.

What is the excess on a Cover-More policy, and can I remove it?

On the international plans you choose the excess when you apply, and it is deducted once per event rather than once per benefit section. One excess you cannot remove is the COVID-19 special excess: A$250 on additional expenses and A$500 on cancellation costs, applied on top of whatever excess you chose. The wording's own example has a traveler with a A$250 excess losing A$750 in total on a combined claim.

Can I get a refund if I cancel my Cover-More policy?

Within 21 days of your Certificate of Insurance being issued, yes, the full premium, provided you have not started traveling and do not want to claim. After that you get back the proportion covering the unused period, less non-refundable government charges and taxes. Once the journey has begun, or once you have claimed, there is no refund.

Is there a maximum age for Cover-More travel insurance?

We read all 56 pages of the current policy wording and found no upper purchase age for the international plans. Age is one of the nine factors that set the premium on page 23, so it raises the price rather than blocking the sale. Age does appear inside the medical criteria, for example asthma is only automatically included if you are under 60 when you buy.

What does Cover-More pay for delayed or stolen luggage?

The headline limit is A$5,000 on Basic, A$15,000 on Comprehensive and A$25,000 on Comprehensive+, but three things cut it down: a per-item cap, depreciation and the excess. Items over three years old lose 60% of their value first. Cover-More's own example on page 33 settles a A$1,300 phone stolen at 28 months old for A$420. Delayed luggage pays a separate allowance of A$600 to A$1,500.

Cover-More travel insurance review 2026: unlimited medical, and the five add-ons you have to buy separately

P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: September 25, 2026

Cover-More travel insurance in 30 seconds

Expert rating 3.6 out of 5. Cover-More is one of Australia’s best-known travel insurance brands, founded in Sydney in 1986 and owned by Zurich Insurance Group since 2017. Its policies are issued to people living in Australia by Zurich Australian Insurance Limited, and every limit in its wording is set in Australian dollars. The headline is genuinely strong: overseas medical expenses are unlimited on all three international plans, and so are additional travel expenses. The catch is how much sits outside the base premium. Cancellation coverage is not automatic, you choose and pay for an amount. A multi-night ocean cruise, snow sports, motorcycling and every adventure activity are excluded unless you buy the matching option. Best for a traveler who wants a big medical ceiling from a household name and will pay for the extras. Least suited to anyone who wants adventure coverage, cruise coverage and cancellation inside one price.

Cover-More travel insurance is worth buying if you want an unlimited overseas medical ceiling from one of Australia's best-known travel brands and you accept paying separately for cancellation, cruise, snow and adventure coverage. We rate it 3.6 out of 5.

We did not read Cover-More's sales pages to write this. We read its contract: the Cover-More Australia Product Disclosure Statement, effective October 15, 2025, all 56 pages, including the three international benefits tables, the 33 general exclusions and the depreciation schedule that decides what a stolen laptop is actually worth. Every figure below carries the page it came from, so you can check it.

The product is real and the money behind it is real. The insurer is Zurich Australian Insurance Limited (page 2 of the policy wording), part of Zurich Insurance Group. Cover-More Insurance Services Pty Ltd arranges the policy on the insurer's behalf and is paid a commission that sits inside the premium you pay, a disclosure Cover-More makes itself in the Financial Services Guide at the back of the same document. It may also take a share of the insurer's underwriting profit, paid after the fact.

Our reservation is not about solvency or limits. It is about how much of a normal vacation is priced as an option. On the plans we read, the base premium buys medical care and delay coverage. It does not buy the right to cancel, and it does not buy a cruise, a ski week, a scooter in Bali or a canyoning tour. Each of those is a separate box to tick, and each one you forget is a claim that gets declined on wording, not on sympathy.

Unlimited overseas medical, on every international plan: Basic, Comprehensive and Comprehensive+ all show A$Unlimited for overseas medical expenses and for additional expenses (benefits table, page 3).
Unlimited is backed by a real assistance desk: The insurer can pay a hospital directly rather than making you advance the money, and runs toll-free lines from the United States, Canada, the United Kingdom and New Zealand (page 21).
Liability coverage most policies do not match: A$1,000,000 on Basic, A$2,500,000 on Comprehensive and A$5,000,000 on Comprehensive+ (page 4).
You choose the excess and the cancellation amount: Both are set at quote time rather than fixed by the plan, so the premium follows the trip instead of the other way around (page 10).
A wide list of activities costs nothing extra: Around 80 activities are included on all plans, among them bungee jumping, jet skiing, hot-air ballooning as a passenger and scuba diving to 30 meters with a school or instructor (pages 14 and 15).
An unusually clear alcohol clause: Rather than a vague under-the-influence exclusion, the wording names a blood alcohol concentration of 0.19% or above, which it notes is almost four times the Australian driving limit (exclusion 20, page 50).
Twenty-one days to change your mind: Cancel inside the cooling-off period, before you travel and before you claim, and the whole premium comes back (page 11).

Cancellation is not included, it is an amount you buy: The wording says the plans may not automatically include cancellation coverage and that you select a figure at quote time, which then applies per policy rather than per person (page 10).
A multi-night ocean cruise is excluded unless you add Cruise Cover: Without it, any claim related to that cruise is specifically excluded, not merely reduced (page 11 and general exclusion 27).
Snow sports, motorcycling and adventure activities are all separate options: General exclusions 24, 25 and 26 remove them from the base policy until the matching premium is paid.
Unlimited medical has a clock on it: The footnote to the benefits table caps coverage at 12 months from the onset of the illness, condition or injury (page 3).
The Basic plan is thinner than its price suggests: It pays nothing for travel delay, money, rental vehicle excess, hospital incidentals, loss of income, disability or accidental death (pages 3 and 4, confirmed in the wording at sections 9, 13 and 15).
Luggage is settled after depreciation: Anything over three years old loses 60% of its value before the excess is taken off (page 33).
Customer scores sit well below the coverage level: 3.8 out of 5 on ProductReview.com.au but only 3.2 for customer service, and 3.2 out of 5 on Trustpilot where 45% of reviews are one-star.

Our methodology

Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated. For this page we read Cover-More's own Australian policy wording in full and priced our own shelf separately, and we say which of the two a number comes from every time.

Learn more

Cover-More sells three international plans. Basic is a single-trip medical shell, Comprehensive is the one most travelers are sold, and Comprehensive+ raises the sub-limits rather than adding new kinds of coverage.

The distinction that matters first is not price, it is structure. Basic exists only as a single trip. Comprehensive and Comprehensive+ can be bought as a single trip or as an Annual Multi-Trip policy with a maximum journey length you choose, covering an unlimited number of trips of that length (page 10). If you travel more than twice a year, that is the fork in the road, and our guide to annual travel insurance works through when the math turns.

The second distinction is what the plan refuses outright. Basic pays nothing at all for travel delay, money, rental vehicle excess, hospital incidentals, loss of income, disability or accidental death. Those are not low limits, they are zeros, and we confirmed each one in the policy wording rather than reading it off the summary grid. Comprehensive turns all of them on at modest figures. Comprehensive+ then roughly doubles the electronics item limits and lifts liability to A$5,000,000.

Beyond the three international plans there is a Domestic plan for travel inside Australia, an Inbound plan for visitors, and Business and Corporate policies sold only by phone or through an agent. The Inbound plan carries no coverage at all for pre-existing conditions other than the ones automatically included.

On the international plans, overseas medical expenses and additional expenses are unlimited, luggage runs from A$5,000 to A$25,000, and liability from A$1,000,000 to A$5,000,000. Everything else is a sub-limit worth reading before you buy.

Benefit	Basic	Comprehensive	Comprehensive+	Where it says so
Overseas medical and dental Including emergency evacuation	Unlimited	Unlimited	Unlimited	p.3, section 1
The limit on unlimited Time cap from onset of the condition	12 months	12 months	12 months	p.3, footnote
Overseas emergency dental	A$2,000	A$2,000	A$2,000	p.3, section 1
Additional expenses	Unlimited	Unlimited	Unlimited	p.3, section 2
Amendment or cancellation costs	Amount you choose	Amount you choose	Amount you choose	p.3, section 4; p.10
Luggage and travel documents	A$5,000	A$15,000	A$25,000	p.3, section 5
Laptop, per item	A$3,000	A$4,000	A$5,000	p.3; item limits p.33
Jewelry or watch, per item	A$1,000	A$1,200	A$1,500	p.3; item limits p.33
Delayed luggage allowance	A$600	A$1,100	A$1,500	p.3, section 6
Money	No coverage	A$250	A$500	p.3, section 7
Travel delay	No coverage	A$2,000	A$3,000	p.3, section 9; wording p.37
Rental vehicle insurance excess	No coverage	A$5,000	A$10,000	p.3, section 8
Travel provider insolvency	No coverage	A$5,000	A$10,000	p.3, section 3
Hospital incidentals A$50 a night, after 48 hours	No coverage	A$6,000	A$10,000	p.4, section 13; wording p.39
Loss of income	No coverage	A$30,000	A$45,000	p.4, section 15
Accidental death	No coverage	A$25,000	A$30,000	p.4, section 17
Personal liability	A$1,000,000	A$2,500,000	A$5,000,000	p.4, section 18
Return of mortal remains	A$25,000	A$50,000	A$60,000	p.3, section 2

Source: Cover-More Australia Product Disclosure Statement, effective October 15, 2025, international benefits tables, pages 3 to 5, read in full on September 23, 2026. Figures are Australian dollars, as the policy sets them.Rows marked No coverage were re-checked against the policy wording itself (sections 9, 13 and 15) rather than read off the summary grid, because the summary uses a merged cell for the Basic column.

Read the footnote before you read the word unlimited

Unlimited overseas medical is the number Cover-More leads with, and it is real. The footnote under it says coverage will not exceed 12 months from the onset of the illness, condition or injury. For a broken leg that is irrelevant. For a stroke abroad that turns into long rehabilitation, the twelve months is the number that decides the outcome, not the absence of a ceiling. Loss of income, disability and accidental death also share one combined pot, A$30,000 on Comprehensive and A$45,000 on Comprehensive+, rather than paying out separately.

Two more sub-limits deserve naming because the headline hides them. Travel delay on Comprehensive shows A$2,000, but the wording pays A$300 for the first delay of six hours or more and A$300 again for each further full 24 hours, accommodation room rate only, and you must claim from the airline first. Hospital incidentals shows A$6,000, but pays A$50 a night and only once you have been in hospital at least 48 hours.

Cover-More prices a standard vacation and sells the rest as options. Cancellation, cruise, snow sports, motorcycling, adventure activities, pre-existing conditions and higher item limits all carry an additional premium.

Option	What it does	What happens without it
Cancellation coverage An amount you pick at quote time	Sets the total amendment and cancellation limit, per policy and not per person	No cancellation coverage at all, and the COVID-19 cancellation benefit has nothing to attach to
Cancellation Plus Cover Sold on top of the above	Refunds part of your non-refundable costs for reasons the policy does not otherwise cover	Only the listed covered reasons pay
Cruise Cover Multi-night ocean or sea cruises	Turns on cabin confinement, ship-to-shore medical, missed port and missed shore excursions	Every claim in any way related to that cruise is excluded, exclusion 27
Snow sports Skiing, snowboarding, snowmobiling	Brings the activity inside the policy	Exclusion 26 removes it entirely
Motorcycle or moped riding	Brings riding inside the policy, for any purpose	Exclusion 25 removes it entirely
Adventure and Adventure+ packs	Two tiers of listed activities, Adventure+ including everything in Adventure	Exclusion 24 removes every listed adventure activity
Existing Medical Conditions	Coverage after an online health assessment and, if accepted, an extra premium	Exclusion 13: any claim related to or worsened by the condition is excluded
Increased luggage item limits	Raises the per-item cap on a named item	The standard per-item cap applies, then depreciation

Source: Cover-More Australia Product Disclosure Statement, effective October 15, 2025, pages 10 to 16 and general exclusions 22 to 27, pages 49 and 50. Read September 23, 2026.

None of this is hidden. It is all in the wording, and the automatically included activity list on pages 14 and 15 is genuinely generous for a mainstream policy. The point is that the price you compare against other brands is not the price of the same thing unless you have ticked the same boxes. If your trip involves a ship, a ski field or a scooter, read our pages on cruise travel insurance and extreme sports travel insurance before you compare any two quotes.

Thirty-three general exclusions sit on pages 49 and 50 of the wording. Several of them decide real claims, and four of them catch ordinary travelers rather than thrill seekers.

Anything you already knew about: Exclusion 11 removes claims linked to signs or symptoms you were aware of before the policy started if you had not yet sought a medical opinion, were under investigation, or were awaiting a specialist's view.
Pregnancy past 23 weeks and 6 days: Coverage is limited to serious unexpected complications up to the 24th week. Childbirth is never covered, and the care of a newborn is never covered whatever stage the child arrives at (page 20).
A relative in aged care: If the non-traveling relative whose illness forces you home was in a nursing home, on a surgery waiting list or terminally ill, the maximum payable across the whole policy is A$1,000 (page 20).
Quarantine you are ordered into: Exclusion 29 removes the cost of any government or public health mandatory quarantine or isolation order related to COVID-19, whether or not you were diagnosed.
The named activity list: Exclusion 22 removes hunting, rodeo riding, BASE jumping, hang gliding, motocross, running with the bulls, free climbing, mountaineering with ropes, trekking above 6,000 meters and scuba diving below 30 meters without an Open Water certificate.
Four countries and three regions: Exclusion 33 removes anything arising from travel in, to or through Cuba, Iran, Syria, North Korea, Crimea, the Donetsk People's Republic or the Luhansk People's Republic.
Traveling against advice: Exclusion 32 removes claims that follow a Do Not Travel advice on smartraveller.gov.au, or an equivalent authority, where the warning relates to what you are claiming for.

The clause that costs the most money quietly

Existing Medical Conditions are excluded by default, not covered by default. The wording defines the term over four paragraphs on page 17: anything needing prescription medication, regular review, ongoing medication, a specialist, or anything under investigation or awaiting results. Declare everything and let the online assessment decide. Cover-More states plainly that if you declare some conditions and not others, you run the risk of a claim being denied. Our page on pre-existing condition travel insurance compares how different insurers draw that line.

Cover-More publishes no rate card. We checked its own product pages on September 23, 2026 and every one of them routes to a quote form, so there is no honest starting price for us to print. What the wording does give is exactly what the premium is built from.

Page 23 of the policy wording lists nine factors: area of travel, departure date and trip duration, age, plan, the excess you choose, cruise cover, the amount of cancellation coverage you choose, coverage for existing medical conditions and pregnancy, and any other option you vary. Read that list again and notice how many of the nine are choices rather than facts about you. That is unusual, and it is the honest reason two Cover-More quotes for the same trip can differ by a wide margin.

We also looked for an upper purchase age across all 56 pages and found none on the international plans. Age moves the premium rather than closing the door, which is not true of every brand and matters if you are shopping for travel insurance for seniors.

Because there is no published Cover-More price, we will not pretend to show you a saving. What we can show is what sits inside the base premium on each side, on plans we have read line by line. Our own figures below are United States dollars, computed for a US resident, because that is the reference market for this page. Travel insurance is priced by country of residence, so read them as a reference point rather than as your own quote, and start the comparison from the plans below.

What you are paying for	Cover-More Comprehensive	Best equivalent on our shelf
A published starting price	None, quoted per trip only	US$5.16 a day catalog rate, Smart Travel Protection
A price that moves with your trip	Yes, nine factors, p.23	Two of seven plans price the trip itself, Go Explore at US$65.48 for the reference 14 days
Emergency medical inside the base price	Unlimited, 12-month cap	US$500,000, Epic Plan and both Atlas plans
Cancellation inside the base price	No, an amount you buy	Yes, up to US$40,000 of trip cost, Smart Travel Protection
Adventure activities inside the base price	No, Adventure or Adventure+ option	Yes, 250+ activities including extreme sports and high altitude, Epic Plan
Snow sports inside the base price	No, separate option	Yes, within the 250+ activity list, Epic Plan
Multi-night cruise inside the base price	No, Cruise Cover or the claim is excluded	Depends on the plan, check the wording for your ship
Direct payment to the hospital	Yes, p.21	Yes, on all five US dollar plans

Left column: Cover-More Australia Product Disclosure Statement, effective October 15, 2025. Right column: HelloSafe catalog and contract data, quotes captured September 8, 2026 for one traveler aged 34, 14 days in France, residence United States, in US dollars. Cover-More figures are Australian dollars as its policy sets them; the two currencies are not converted into one another anywhere on this page.

Read that table both ways. Cover-More genuinely beats our shelf on the two numbers people quote at each other, the medical ceiling and the liability figure (A$2,500,000 against US$100,000 on the richest of our five US dollar plans). We beat it on what a single premium contains. Which matters more depends entirely on your trip: two weeks in a European city leans one way, a ski season or a diving vacation leans hard the other.

Claims go through claims.covermore.com.au, and the wording commits to a response within 10 working days of receiving your claim or any further information on it (page 21). The number that matters more is A$2,000.

Call before the money is spent. The wording asks you to phone the emergency team before any hospitalization, whenever your medical expenses will exceed A$2,000, or if you want to come home early. Toll-free Australia-direct lines run from the United States, Canada, the United Kingdom and New Zealand, with +61 2 8907 5619 for everywhere else.
Check the claim is worth more than your excess. Cover-More prints this reminder on the claims page itself. The excess applies once per event, but the COVID-19 special excess of A$250 or A$500 stacks on top of it and cannot be removed.
Submit online and keep the originals. Documents are uploaded through the portal, but the wording says originals may be requested, so keep them until the claim closes.
Expect depreciation on anything you owned. Luggage is not replaced new for old past two years.

What a stolen phone is really worth on this policy

Cover-More prints its own worked example on page 33. A phone bought for A$1,300, stolen when it was 28 months old, on a policy with a A$100 excess. Depreciation of 60% removes A$780. The excess removes A$100. The settlement is A$420, against a per-item cap that was never reached. Nothing here is unusual for the market, but it is the gap between the A$15,000 luggage headline and the money that lands.

Cover-More scores 3.8 out of 5 from 3,852 reviews on ProductReview.com.au and 3.2 out of 5 from 262 reviews on Trustpilot, both read on September 23, 2026. The interesting part is the gap between the two, and the sub-scores underneath the first one.

On ProductReview.com.au, the headline 3.8 breaks down into 3.2 for customer service, 3.3 for value for money and 3.2 for transparency. A brand scoring well overall while scoring 3.2 on transparency is telling you something specific: people are largely satisfied until they have to work out what their policy actually said.

The Trustpilot distribution says the same thing more bluntly. Of its 262 reviews, 46% are five-star and 45% are one-star, with almost nothing in between. That shape is normal for insurance, where most reviewers either had a smooth claim or a declined one, but the volume of one-star reviews is high enough to be worth reading before you buy. The recurring complaints in both places are slow claim updates and a call center that reads the wording back rather than explaining it.

Treat all of this as sentiment rather than fact. It tells you how the company behaves, not what the policy pays. The policy pays what pages 3 to 5 of the wording say it pays.

If you already hold a Cover-More policy, these are the routes the wording gives. All of them come from the policy document itself rather than from a marketing page.

What you need	How to reach it
Emergency help abroad, 24 hours	Toll-free Australia-direct: United States 1800 937 9763, Canada 1800 645 8714, United Kingdom 0800 892 014, New Zealand 0800 445 524. Everywhere else +61 2 8907 5619.
Customer service and claims questions	1300 72 88 22 inside Australia, +61 2 8907 5000 from overseas, enquiries@covermore.com.au
Lodging a claim	claims.covermore.com.au, with posted originals to Cover-More Travel Insurance Claims Department, Private Bag 913, North Sydney NSW 2059
A complaint	The complaints process on page 52, then the Australian Financial Complaints Authority, an independent scheme the insurer belongs to
If the insurer fails	The Financial Claims Scheme at fcs.gov.au, subject to eligibility (page 51)

Source: Cover-More Australia Product Disclosure Statement, effective October 15, 2025, pages 2, 21 and 51.

Yes, in full within 21 days of being issued your Certificate of Insurance, provided you have not started the journey and do not want to claim. After that you get a pro-rata refund for the unused period, less non-refundable government charges and taxes.

Twenty-one days is longer than the 14 that several competitors offer, and it is the quiet advantage of buying early. Once the journey has started, or once you have claimed or exercised any other right under the policy, no refund is due at all. Cancellation is handled on 1300 72 88 22 or by email; the policy wording sets this out on page 51.

One related trap sits on page 11. If you want to stay away longer than your certificate says, this is not an extension, it is a new policy. Anything that has shown up medically in the meantime can count as an existing condition under that new policy, so buying the longer duration up front is usually the cheaper mistake to avoid.

If what drew you to Cover-More was the unlimited medical figure, keep looking at ceilings. If it was the idea of one policy covering the whole trip, the plans below put more inside a single premium.

Recommended for youA. Fruchard · Co-Founder & Travel Insurance Expert

Which of these we would pick, and why

Start from what Cover-More makes you buy separately, because that is where the difference lives. If the medical ceiling is the only thing you care about, Go Explore + pairs about US$570,000 of medical care with repatriation at actual cost and no ceiling to run out of, and it settles hospital bills directly rather than asking you to advance the money, which is the feature that decides how a bad night abroad actually feels. Two honest gaps: neither Go Explore plan writes named extreme-sports cover into the policy, and neither refunds a canceled trip, so price those separately if either matters to you. Judge the medical ceiling on your own dates and destination rather than on ours.

Go ExploreUnderwritten by MGEN

From$65.48

Included coverage

Emergency medical expenses$280,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Trip cancellationNot included

Get a quote

Personalized quote · no obligation

Go Explore +Underwritten by MGEN

From$86.86

Included coverage

Emergency medical expenses$560,000

Emergency medical evacuation & repatriationCovered in full

Direct billingIncluded

Trip cancellationNot included

Get a quote

Personalized quote · no obligation

Quotes captured on 8 September 2026 on hellosafe.com for the reference trip used throughout this page: one traveler aged 34, 14 days in France (10 to 24 November 2026), residence United States, no cancellation option added, in US dollars. Read the two kinds of figure differently. Epic Plan, Smart Travel Protection, Atlas International Premium, Atlas International and Standard Plan show a per-day catalogue rate that their partners return unchanged whatever the age, the destination or the trip length, so treat it as a starting point and take the real premium from the quote. Go Explore and Go Explore + price the trip itself, so their figures are the full cost of these 14 days.

Compare travel insurance inside ChatGPT

HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe followed by your destination and dates to compare travel insurance.

If you are shopping brand by brand rather than by coverage, two of our other provider reviews work through contracts the same way this one does: our Atlas International review and our Allianz travel insurance review. For the coverage itself rather than the badge, start from travel cancellation insurance or travel medical insurance, or go back to the travel insurance comparison and price your trip.

On the wording, yes, with a caveat. All three international plans pay unlimited overseas medical expenses and unlimited additional expenses, and personal liability runs from A$1,000,000 to A$5,000,000. The insurer is Zurich Australian Insurance Limited. We rate it 3.6 out of 5, and the points come off for how much sits outside the base premium: cancellation, cruise, snow sports, motorcycling and every adventure activity are separately purchased options.
Zurich Australian Insurance Limited, ABN 13 000 296 640, AFSL 232507, as stated on page 2 of the policy wording. Cover-More Insurance Services Pty Ltd, ABN 95 003 114 145, AFSL 241713, arranges the policy on the insurer’s behalf. Cover-More itself was founded in Sydney in 1986, listed on the Australian Securities Exchange in December 2013, and was acquired by Zurich Insurance Group in April 2017.
Not automatically. Page 10 of the policy wording says the plans may not automatically include cancellation coverage and that you select an amount when you apply. Whatever you choose becomes the total limit for amendment and cancellation costs, and it applies per policy rather than per person, so a family shares one figure. Cancellation Plus Cover is a further option that refunds part of your costs for reasons the policy does not otherwise list.
Cover-More does not publish a rate card, and we will not invent one. Its own wording lists the nine things that set the premium on page 23: area of travel, departure date and trip duration, age, plan, your chosen excess, cruise cover, your chosen cancellation amount, coverage for existing medical conditions or pregnancy, and any other option. Five of those nine are choices you make, which is why two quotes for the same trip can look very different.
There is no dollar ceiling, but there is a time limit. The footnote to the benefits table on page 3 says coverage will not exceed 12 months from the onset of the illness, condition or injury. For a short illness or an injury that is academic. For a condition needing long rehabilitation abroad, twelve months is the real boundary.
Only if it has approved them. Claims relating to or worsened by an existing medical condition are excluded by default, exclusion 13. There are three routes: a list of conditions automatically included when you meet the stated criteria, conditions that can be assessed and covered for an extra premium after an online health assessment, and conditions that cannot be covered at all, such as anything involving drug or alcohol dependency or travel against a doctor’s advice.
Only if you add Cruise Cover and pay the extra premium, and only then for multi-night ocean or sea cruises. Without it, general exclusion 27 removes every claim in any way related to that cruise or arising while you are on it. You do not need it for a river cruise, a single-night cruise, a ferry crossing or cruising within Australian coastal waters.
Not in the base policy. General exclusions 24, 25 and 26 remove adventure activities, motorcycling or moped riding, and snow skiing, snowboarding and snowmobiling until the matching option is bought. Around 80 other activities are included on every plan at no extra cost, among them bungee jumping, jet skiing, surfing and scuba diving to 30 meters with a school or qualified instructor.
On the international plans you choose the excess when you apply, and it is deducted once per event rather than once per benefit section. One excess you cannot remove is the COVID-19 special excess: A$250 on additional expenses and A$500 on cancellation costs, applied on top of whatever excess you chose. The wording’s own example has a traveler with a A$250 excess losing A$750 in total on a combined claim.
Within 21 days of your Certificate of Insurance being issued, yes, the full premium, provided you have not started traveling and do not want to claim. After that you get back the proportion covering the unused period, less non-refundable government charges and taxes. Once the journey has begun, or once you have claimed, there is no refund.
We read all 56 pages of the current policy wording and found no upper purchase age for the international plans. Age is one of the nine factors that set the premium on page 23, so it raises the price rather than blocking the sale. Age does appear inside the medical criteria, for example asthma is only automatically included if you are under 60 when you buy.
The headline limit is A$5,000 on Basic, A$15,000 on Comprehensive and A$25,000 on Comprehensive+, but three things cut it down: a per-item cap, depreciation and the excess. Items over three years old lose 60% of their value first. Cover-More’s own example on page 33 settles a A$1,300 phone stolen at 28 months old for A$420. Delayed luggage pays a separate allowance of A$600 to A$1,500.

Last updated on September 23, 2026. Cover-More figures come from the Cover-More Australia Product Disclosure Statement, effective October 15, 2025, read in full on that date. HelloSafe prices were captured on September 8, 2026.