covermore travel insurance policy wording

Cover-More 4+

Advice, alerts, and assistance, cover-more insurance services pty. ltd..

• #88 in Travel
• 4.4 • 202 Ratings

iPhone Screenshots

Description.

Want to explore the world safely and confidently? Our Cover-More app monitors worldwide events and sends valuable risk intelligence straight to your smartphone as you travel, so you can focus on what matters most – enjoying your trip. Travel Smarter Discover expert advice about your destination and its potential risks including country and city destination reports and city maps of high-crime zones and other areas of concern. Understand Your Cover Access your policy details in the palm of your hand anytime, anywhere including offline document access. Stay In-The-Know Receive real-time safety alerts about nearby risks as you travel covering crime, natural disasters and other travel disruptions. Get Help Access 24/7 emergency assistance when you need it most. Including local emergency numbers and directions to nearby hospitals and pharmacies. Note: Upon download, enter your Policy Number and the policy purchasers Last Name which can be found in your Certificate of Insurance document sent by our Cover-More team. Your use of our Cover-More app and any and all content thereon is at all times subject to the End User License Agreement. Please note your mobile device must be compatible with international networks to use certain features overseas, such as calls assistance support. Message, data and roaming rates and charges may apply to your use of our app and content thereon, and you may be charged by your mobile carrier or other service provider. Our application is not a substitute for medical advice or treatment. All our plans and claims are subject to policy terms, conditions, and exclusions. Australia Useful Links: Our Privacy Statement: https://www.covermore.com.au/covermore-privacy-policy Terms of Use: https://www.covermore.com.au/terms-of-use Travel Insurance Policy: https://www.covermore.com.au/pds New Zealand Useful Links: Our Privacy Statement: https://www.covermore.co.nz/privacy-policy Terms of Use: https://www.covermore.co.nz/terms-of-use Travel Insurance Policy: https://www.covermore.co.nz/policy-wording-documents Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More (NZ) Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand’s financial strength rating.

Version 2.9.0

Find local assistance fast with local emergency services numbers and maps to locate nearby hospitals and pharmacies.

Ratings and Reviews

202 Ratings

Norway 16 March 2024

I’ve had regular notifications about Oslo airport being closed due to inclement weather through the day. This has been good to know. As sun is predicted for tomorrow I hope my 08:40 flight goes🤞

Developer Response ,

Hi there, thank you for your feedback - great to hear that the travel alerts have come in handy. Hope all went well for your flight!

How to add trips

In the previous version (before the app crashed all the time) you could add all your trips. I have a yearly policy as I travel overseas a number of times a year and by adding future trips it probably notified Covermore of them for no other reason that that. It seems that functionality has disappeared with the latest version, or I simply can’t find it….. Can you please reply with reason for dropping this functionality? No big issue - just would like to know why you would remove functionality?

Hello GJT. Thanks for taking the time to share your feedback. First and foremost, we have now addressed an issue that was causing the app to crash. Please update to the latest version to continue enjoying the Cover-More app. We appreciate your feedback on adding your trips into the app and hope that you will be happy to hear that registering your trips with our Cover-More Assist emergency assistance team is now easier than ever. By enabling location services and sharing your location, our team is able to actively monitor worldwide events for potential threats to your safety, without the need for entering specific travel dates and locations. Meanwhile, travel advice can now be accessed without needing to specify your travel dates so you are only a click away from the latest updates.

Can’t add multiple destinations

The app recognises my policy number but doesn’t automatically add the trip that it insures. When I try to add the trip manually, it only allows me to select one destination, then asks for return date. There doesn’t appear to be any way to add multiple destinations. I don’t think this app is ready for primetime.

Hi, thank you for sharing your feedback and we're sorry to hear about your experience. Multiple travel destinations can be added by clicking the plus (+) symbol at the top right of the trip home screen but we appreciate that this was not very clear. Thanks to your feedback we will improve this feature in the next update. If you are still experiencing issues, please reach out to our customer service team (https://www.covermore.com.au/contact-us).

App Privacy

The developer, Cover-More Insurance Services Pty. Ltd. , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy .

Data Linked to You

The following data may be collected and linked to your identity:

• Contact Info
• Identifiers
• Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

• Developer Website
• App Support
• Privacy Policy

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Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

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Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

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Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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• Travel Insurance Benefits COVID-19 Benefits International Domestic Comprehensive Cover Annual Cover Business Travel Health Insurance Inbound Compare Travel Insurance
• Travel Alerts Cover-More App
• Emergency Assistance
• travel_explore Not sure? See region list.

Where are you going?

Select the area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas or Antarctica, it is compulsory to select a destination in the Americas or select Antarctica for your policy.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region. Important: Your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with our “ World Events and Claim Advice ” and safetravel.govt.nz’s travel advice levels when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? Enter or select the country or region you will spend the most time in during your trip.

Want to come to New Zealand on our Inbound Plan? Select “New Zealand Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on NZST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Comprehensive Travel Insurance

Source: Getty

Discover the benefits of protecting your overseas trip

Are you looking for comprehensive travel insurance for your international trip?

Our Cover-More comprehensive international travel insurance plans include an array of important benefits to help protect your trip from unexpected mishaps, including cover for:

Overseas Medical & Dental Expenses

Luggage & Travel Documents

Rental Vehicle Insurance Excess

.....and much more.

Plus, every Cover-More travel insurance policyholder gets access to our 24-hour global Emergency Assistance team , who are there to help whenever – and wherever – you need it.

Ready to get a quote ? You can compare our two international comprehensive travel insurance plans to help choose right the level of coverage for you.

Want to know more about our Cover-More comprehensive travel insurance? Keep reading.

Skip to read:

What is comprehensive travel insurance?

What does cover-more’s comprehensive travel insurance include, can i buy a comprehensive single trip or annual multi-trip policy, does cover-more comprehensive travel insurance include cancellation cover, what other travel insurance plans does cover-more offer.

Comprehensive travel insurance helps protect travellers with a broad range of benefits while they’re away from home. In comparison to a base-level, budget-friendly travel insurance plan, it often includes more benefits and higher benefit levels to help safeguard travellers from a wider range of incidents.

Beyond the usual benefits of emergency overseas medical expenses and luggage, comprehensive travel insurance plans can include coverage for travel provider insolvency, rental vehicle insurance excess, lost or stolen money, missed connections, hijacking, disability, accidental death, and much more.

We offer travellers two different plans – International Comprehensive+ and International Comprehensive – so you can choose the best comprehensive travel insurance for you and your trip abroad.

You can compare our plan benefits and maximum benefit limits below:

~ Cover will not exceed 12 months from onset of the illness, condition or injury.     ^Cover chosen applies per policy.     ^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip. * Sub-limits apply.     • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these item limits.

For full details of the terms, conditions, exclusions, limits, and sub-limits that apply, please read the Policy Wording before considering this comprehensive insurance product.

To find out how much our comprehensive travel insurance costs, get a free quote online.

Yes, our Cover-More comprehensive travel insurance plans are available to buy as either Single Trip or Annual Multi-Trip policies. This means we can provide quality cover for a one-off trip abroad, or multiple trips overseas (up to the maximum trip duration selected) during a 12-month period.

If you’re a frequent traveller, consider our Cover-More annual travel insurance policy option as it could save you time and money.

To compare the costs of our Single Trip and Annual Multi-Trip comprehensive travel insurance policies, get a quote now.

Our comprehensive travel insurance plans don’t automatically include cover for amendment or cancellation costs.

Instead, we give our customers the freedom to add a level of cancellation cover during the quote process that best suits their travel plans.

Typically, people look to choose an amount that will cover all prepaid travel tickets, hotels, tours, or other travel-related expenses for all travellers on the policy. The level of cover you choose will be the total amount of cover available under the cancellation benefit on a per policy basis.

Please note: if you include Cover-More’s travel insurance cancellation cover in your policy, it will influence the premium you are charged.

Don’t need a comprehensive travel insurance plan? We also have an International Basic travel insurance plan for those who want a basic level cover for a more budget-friendly price.

Travelling within New Zealand? We have two comprehensive Domestic Plans , both of which are available on Single Trip and Annual Multi-Trip policies.

If you need help finding a plan that works best for you, call our customer service team on (0800) 500 225.

Ready to insure your trip?

Let us help you travel more and worry less with comprehensive cover.