Cover-More is practically a household name in Australian travel circles. It's been operating since 1986, it's backed by Zurich Insurance, and you've probably seen it promoted by Qantas, Flight Centre and dozens of travel agents. But brand recognition doesn't always equal best value — so we put Cover-More through its paces to see if it truly earns its reputation.

What Is Cover-More?

Cover-More is an Australian travel insurance company founded in Sydney, now part of the Zurich Insurance Group. It offers a range of policies for international and domestic travel, including single-trip, annual multi-trip and cruise cover. It's one of the few Australian insurers with 24/7 emergency assistance based in Sydney.

How Does It Work for Australians?

Get a quote online at covermore.com.au, select your destination, travel dates and level of cover (Comprehensive, Mid or Basic). Pre-existing medical conditions can be declared and assessed online. Cover kicks in from the moment you purchase the policy, protecting against cancellation even before departure.

Pricing

International Comprehensive cover for a 2-week trip to Europe: approximately AUD

$180–$320 for a single adult (varies by age and medical history). Annual multi-trip policies start from around AUD $450–$600. These are rough guides — always get a personalised quote.

Cover-More vs Alternatives

vs World Nomads: World Nomads is better for adventure travellers; Cover-More is better for mainstream travel and cruise.

vs 1Cover: Similar pricing but Cover-More has stronger brand support and claims reputation.

vs Budget Direct: Budget Direct is cheaper but less comprehensive.

Verdict — Is Cover-More Worth It for Australian Travellers?

Cover-More is a reliable, reputable choice for Australian travellers who want peace of mind without surprises. It's not always the cheapest, but the 24/7 Sydney-based emergency support and strong policy coverage make it worth the premium for high-value or complex trips.

Cover-More: Australia's Most Recognised Travel Insurer

Cover-More is one of Australia's oldest and most widely recognised travel insurance brands, underwritten by Zurich Insurance -- one of the world's largest insurance groups. The Zurich backing provides financial strength that smaller or newer insurers cannot match, which is a genuine consideration for travellers making large trip bookings that depend on cancellation cover. Cover-More's product range: International Comprehensive, International Basic, Annual Multi-trip, and Domestic Cover. The Comprehensive policy is the standard recommendation for Australian international travel -- unlimited overseas medical, trip cancellation up to the insured trip cost, luggage cover at AUD $12,000, and travel delay compensation.

Cover-More vs 1Cover vs Southern Cross

The three-way comparison that most Australian travel insurance shoppers conduct: Cover-More's strength is brand recognition and Zurich's financial backing. 1Cover (also in the Cover-More group as of recent years) tends to price more aggressively for specific routes. Southern Cross is the preferred option for New Zealand and ski-focused trips. For standard Asia-Pacific trips (Bali, Japan, Thailand), all three are appropriate and the price comparison across their respective quote tools for your specific trip dates and personal profile is the most useful 5-minute investment before purchasing. Cover-More's pre-existing condition framework is clearly documented in their PDS and their pre-travel assessment line (for conditions not automatically covered) is reliably responsive.

Cover-More's affiliate programme (Commission Factory, 12-15% commission on policy premiums) is one of the highest-converting travel insurance affiliates available to Australian travel bloggers. The brand's market-leading awareness drives conversion from comparison content at rates that newer brands cannot match without equivalent advertising investment.

Cover-More Cancellation Cover: What Australian Travellers Need to Know

Cover-More's trip cancellation coverage is the most important differentiator for Australian travellers booking expensive non-refundable international trips. The cancellation cover triggers for the following specific events: your own serious illness or injury, death of a close family member, your travel companion's serious illness, a significant natural disaster at the destination, airline insolvency (cover for flights booked after policy purchase date), redundancy (if employed continuously for 12+ months), and a small number of other specified events. The trigger that is NOT covered: changing your mind (not a cancellation event under any standard policy), work commitments that change (not covered unless you purchase a specific 'cancel for any reason' endorsement), and events that were 'reasonably foreseeable' at the time of purchase (if a destination was already under a Do Not Travel advisory when you booked, the advisory event is not a valid cancellation trigger).

Cover-More's combination of Zurich's financial backing, Australian market leadership, and genuinely comprehensive coverage makes it the default recommendation for Australian travellers who want the most trusted comprehensive policy. The comparison against 1Cover and Southern Cross for your specific trip dates, health situation, and destination takes 5 minutes and is always worth doing before purchasing. Cover-More is the most trusted and most recommended comprehensive travel insurance for Australian travellers because of the combination of Zurich's financial backing, Australian market leadership, comprehensive coverage, and the claims service reputation that has been built over decades. For standard international trips, Cover-More's comprehensive policy is the benchmark against which other options should be compared. Cover-More's comprehensive policy is the benchmark Australian travel insurance product -- the combination of Zurich's financial backing, unlimited medical coverage, and the Australian market leadership that produces consistent claims reliability makes it the product against which all other comprehensive policies should be compared. Cover-More's Australian claims service infrastructure -- the 24-hour emergency line, the Zurich medical network, and the Australian claims team -- is the practical reason why paying the modest premium over budget alternatives is justified for high-value Australian international trips. The claims experience when something goes seriously wrong is the real product being purchased. Compare Cover-More, 1Cover, and Budget Direct quotes for your specific trip before purchasing. The Cover-More PDS is worth reading before purchase -- the specific pre-existing condition automatic cover list and adventure activity definitions are clearly written and answer the most common coverage questions without requiring a phone call. Compare before purchasing. The PDS comparison takes ten minutes and the information is definitive for your specific pre-existing health situation.

Cover-More: Why It Remains Australia's Market Leader

Cover-More's market leadership in Australian travel insurance is built on three decades of Australian consumer trust, Zurich Insurance Group's financial backing (providing the claims-paying certainty that newer insurers cannot demonstrate), and the established emergency assistance network that manages real-time medical evacuations and hospital coordination globally. The Cover-More 24/7 emergency assistance line is the most tested and most established Australian travel insurance emergency service -- the critical resource when an Australian traveller is hospitalised overseas and needs immediate coordination between the treating hospital, the Australian family, and the evacuation service. For Australian travellers with pre-existing medical conditions, Cover-More's established online assessment process (CoverMore.com.au, complete within 15 minutes) is the most streamlined pre-existing condition assessment available from a major Australian insurer. The Cover-More premium is typically 10-20% above the cheapest comparable option -- the premium pays for the brand's demonstrated claims reliability and the Zurich financial guarantee that newer insurers are still building.