Cover-More is Australia's largest travel insurance provider, now owned by Zurich Insurance Group. With comprehensive customisation options, annual multi-trip policies from $400-$800 per year, and a 24/7 emergency assistance hotline, Cover-More has built a dominant position in the Australian travel insurance market.
In This Review
What is Cover-More Travel Insurance?
Cover-More has been part of the Australian travel landscape since 1986, growing into the country's largest dedicated travel insurance provider. The company was acquired by Zurich Insurance Group in 2017, giving it the financial backing of one of the world's largest insurance groups while maintaining its Australian operational base in Sydney.
The Cover-More product range is among the most customisable in the market. Policyholders can choose from single trip, annual multi-trip, and domestic-only policies, then layer on optional extras including ski and snowboard cover, cruise cover, rental car excess, adventure activities, and business equipment protection.
Cover-More's 24/7 emergency assistance service is a core differentiator. Operated from their global assistance centres, the service coordinates hospital admissions, medical evacuations, travel arrangements and family communication when travellers face emergencies abroad. The claims service has achieved a benchmark score of 100/100 against the Allianz service standard.
Annual multi-trip policies are particularly popular with frequent travellers, typically ranging from $400 to $800 per year depending on destination, age and cover level. For travellers making three or more international trips per year, the annual policy frequently works out cheaper than purchasing individual cover for each journey.
Cover-More's combination of deep customisation, 24/7 emergency support and Zurich's financial strength makes it a commonly selected option for Australian travellers seeking comprehensive and flexible travel protection.
Cover-More Ratings Across Review Platforms
Disclaimer: Ratings are sourced from public review platforms and awards as of April 2026. Individual experiences may vary. Scores are aggregated for informational purposes only and do not constitute financial advice. Refer to ASIC's MoneySmart website for guidance on choosing insurance.
What Customers Say About Cover-More
Had a medical emergency in Thailand and the 24/7 assistance line was incredible. They coordinated with the hospital, arranged my medical evacuation and kept my family updated throughout.
The annual multi-trip policy is excellent value. We travel internationally three or four times a year and it works out significantly cheaper than buying individual policies.
Being able to add ski cover, cruise cover and rental car excess to a single policy means I only deal with one insurer for everything travel-related.
Cancellation claim took almost eight weeks to process. The outcome was fair but the timeline was disappointing given the premium I paid.
Comprehensive cover provided peace of mind during our six-week Europe trip. Thankfully we did not need to claim but the 24/7 helpline was reassuring to have.
Disclaimer: Review highlights are sourced from public review platforms for informational purposes only. Individual experiences may vary and do not represent guaranteed outcomes. This content does not constitute financial advice. Visit ASIC's MoneySmart website (moneysmart.gov.au) for guidance on choosing insurance products.
Cover-More Travel Insurance Products
Full international travel cover including medical expenses, cancellation, luggage, personal liability and 24/7 emergency assistance. The flagship Cover-More product.
Cover for unlimited trips within a 12-month period, ideal for travellers making three or more international trips per year. Includes all benefits of the Comprehensive product.
Cover for travel within Australia including trip cancellation, travel delays, luggage loss and medical expenses not covered by Medicare.
Cover-More Pros and Cons
Cover-More Travel Insurance Pricing
Cover-More premiums vary based on destination, trip duration, traveller age, cover level and any optional extras. The following are estimated premium ranges for common travel scenarios.
Disclaimer: All pricing figures are indicative estimates based on publicly available data and general profiles. They are not binding quotes. Your actual premium will depend on your destination, trip duration, age, cover level and extras selected. Visit covermore.com.au for an actual quote or refer to ASIC's MoneySmart website (moneysmart.gov.au) for guidance on comparing insurance.
Travel to regions with higher medical costs - such as the USA, Canada and Europe - attracts higher premiums than travel to Southeast Asia or the Pacific.
Longer trips cost more to insure. Annual multi-trip policies become cost-effective when you take three or more international trips per year.
Premiums increase with age, particularly for travellers over 65. This reflects higher statistical risk of medical claims among older travellers.
Choosing Comprehensive over Essentials increases the premium, as does adding optional extras like ski cover, cruise cover or rental car excess.
Selecting a higher excess reduces your premium. Cover-More offers multiple excess options to help balance upfront cost and out-of-pocket risk.
Cover-More vs Other Travel Insurers
| Feature | Feature | Cover-More | World Nomads | Allianz Travel |
|---|---|---|---|---|
| Overall Rating | 4.3/5 | 4.0/5 | 4.2/5 | |
| Backed By | Zurich Insurance | Tokio Marine (varies) | Allianz Group | |
| Annual Multi-Trip | Yes ($400-$800/yr) | No | Yes | |
| 24/7 Emergency Assistance | Yes | Yes | Yes | |
| Adventure Activities | Add-on available | 200+ included | Limited | |
| Ski & Snowboard Cover | Add-on | Included (Explorer) | Add-on | |
| Cruise Cover | Add-on | Limited | Add-on | |
| Buy While Travelling | No | Yes | No | |
| Unlimited Medical (Intl) | Yes | Capped | Yes | |
| Canstar Award 2025 | Outstanding Value | No | Outstanding Value |
Disclaimer: Comparison data is based on publicly available information as of April 2026. Features and pricing may change. Verify details directly with each insurer before purchasing. This comparison does not constitute financial advice. Refer to ASIC's MoneySmart website (moneysmart.gov.au) for guidance.
Alternatives to Cover-More
The go-to travel insurer for adventurous travellers and backpackers. Covers 200+ adventure activities as standard and allows purchasing or extending while already travelling.
Backed by one of the world's largest insurance groups, Allianz offers comprehensive travel insurance with strong medical coverage and global assistance.
Competitive travel insurance from Australia's most-awarded value insurer. Strong pricing for budget-conscious travellers with solid core cover.
Who Is Cover-More Best For?
The annual multi-trip policy is ideal for travellers making three or more international trips per year. At $400-$800 annually, it typically costs less than purchasing individual policies for each journey.
Cover-More's modular approach - with add-ons for ski, cruise, adventure activities, rental cars and business equipment - suits travellers who want to build a policy tailored to their specific trip.
With unlimited overseas medical expenses on Comprehensive plans and 24/7 emergency assistance backed by Zurich, Cover-More provides maximum peace of mind for travellers concerned about worst-case scenarios.
Multi-traveller pricing and the ability to cover an entire family under one policy makes Cover-More cost-effective for couples and families travelling together.
Our Verdict on Cover-More Travel Insurance
Cover-More has earned its position as Australia's largest travel insurer through a combination of comprehensive coverage, extensive customisation and reliable emergency assistance. The backing of Zurich Insurance Group provides the financial strength that travellers want behind their policy when things go wrong overseas.
The 24/7 emergency assistance service consistently receives praise from customers who have experienced medical emergencies abroad. Coordinated hospital admissions, medical evacuations and travel arrangements demonstrate the practical value of a well-resourced assistance network.
The main areas for improvement are claims processing times for non-emergency claims - particularly cancellations - and premium pricing for older travellers. However, for the majority of Australian travellers seeking comprehensive, customisable cover, Cover-More remains a strong market-leading option.
Common questions about Cover-More Travel Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in April 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Our review methodology is for informational purposes only and does not constitute financial advice. Scores represent editorial opinion based on publicly available data. Individual experiences may vary. Always read the Product Disclosure Statement (PDS) before purchasing insurance. For independent guidance on choosing insurance, visit ASIC's MoneySmart website at moneysmart.gov.au.
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