Cover-More Travel Insurance Reviews 

Do not purchase travel insurance with this company. I purchased an upgraded policy prior to a trip to the USA. Following a traffic accident and injury, which Cover-More has agreed did occur, I had surgery and 6 months off-work. Cover-More's Commitment to Customers policy gives them 9-10 working days to reply which drags-out the claims process. However, at one point, I had not received any reply for 33 business days (even after prompting them) and started the complaints process. A very quick claim denial occurred after this. Hours of time by myself, GP and Surgeon was spent jumping through every extra request for documentation that Cover-More required, for them to ignore e-mail contact and then deny the claim once I began to formally complain. I have never made a travel insurance claim before but for a company to agree as part of their claim denial that I had a policy, was seriously injured, had surgery, and had loss-of-income to then deny the claim on a technicality is unethical and immoral. From my experience, I highly recommend not purchasing travel insurance with Cover-More.

Applied for costs due to delay of flight caused by severe, bad weather. Our claim officer, Kiara after about a week or so, asked for a few more details, which we provided. The next time we heard from Kiara (10 days later), was to inform us that our claim was successful. We received all the costs incurred from our flight delay, minus the $500 excess of our policy. Thank you Kiara. Details and proof provided are very important, otherwise the insurance company has little to work with. It is also important to make sure that you have spent $500 or more in one transaction relating to your trip and that you have activated your policy. Everything went smoothly. Thank you once again, Kiara & CommBank Credit Card Insurance. 😊

I had an accident on a Mediteranean Cruiseship requiring expensive medical assistance. The claiming process was simple and accepted within around 7 days of submitting my claim without any dispute. Outstanding service that exceeded my best expectations. Thank you Covermore and CBA.

They know how to take your money, but do not honour the policy, coming up with all kinds of excuses.
I'll never insure with them again...and this was my first claim.
I would put 0 stars if I could.

Easy and semi fast process for my first time ever having to claim anything. They made it easy for me to claim my items and was there when I needed assistance

Absolutely awful customer service. Made a claim weeks ago after given advice whilst overseas from the care team. Despite filling all the documents as needing it’s been radio silence for weeks. Waiting times of over 45 mins at claims handling service they use who also have a portal not fit for purpose. I’m so disappointed and strongly advise not to take a policy with this company.

Just finished an holiday overseas holiday covered with Cover More insurance for the 3rd time. First time claiming. I had my camera stolen from checked in luggage. Put in a claim and recorded the 'cost' as the replacement cost for the camera (as it cant be replaced new). Used second hand costs to come up with a number.

Covermore took the amount, massively depreciated it and paid out the now depreciated amount on my estimate that was already a depreciated amount, leaving me with no where near enough to replace the camera even with a cheap old second hand one, after taking into account the excess. I provided links to show the (very unique) camera and second hand replacement value with explanation.

I complained before payout, on payout and in the after processing review and have had nothing back from cover more. Very disappointed and would not recommend then based on this experience.

Cover more have got in touch with me and I will update this post when an outcome occurs.

My mum became terminally ill after my husband and I booked our river cruise holiday in Europe so we had to cancel the trip. Cover-more refunded the cancellation fees apart from the $500 access fees. We are very grateful that Cover-more dealt with our situation with compassion and made it easier for us. We will go with Cover-more again.

They were very easy to deal with & our claim for our cancelled trip was refunded efficiently & without any problems.

We have had Cover-More Insurance for multiple overseas trips and this year we needed to lodge a claim.
The staff were very helpful and assisted us with the form details and what supporting documents that we would require. We were kept up to date regarding our claim and the claim was finalised quickly and we are very happy with the service provided by the Cover-More staff.

SATANIC EVIL COMPANY THAT SHOULD BE LIQUIDATED!!!

Very satisfied with Cover More.
Very easy to submit a claim online.
Matter was dealt with and paid out in a short period of time.
Highly recommend. Will use again with further travel.

I injured my foot in Turkey. Covermore directed me to attend a specific hospital they claimed to work with, however their failure to communicate with the hospital and mobilise their local agent meant the hospital could not facilitate the insurance process and I was forced to pay the hospital bill myself. After raising a formal complaint, the following day a senior case manager provided assurance that my case was approved, and any medically necessary expenses would be covered and reimbursed.
When I contacted them again to seek assistance with logistics due to mobility issues, they refused to provide assurance of coverage and stated I could submit a claim and see if covered. Only after raising a complaint did I receive the necessary confirmation.
After submitting a claim for expenses as per the assurances provided, Covermore are questioning my claim and require a specifically worded medical certificate from the Turkish hospital that they failed to obtain. I have no means of retrospectively requesting this from the hospital, nor would the language barrier permit it. I spoke again with the senior case manager who had confirmed coverage, who in turn spoke to the claims dept, and called me back to assure me the claims dept should not have questioned the claim and would process it immediately. I've heard nothing more for 10 days and still can't reach anyone in the claims department that will assist.
This has been an appalling and insulting experience. The level of incompetence is astounding. I have invested 30+ hours to no avail trying to get Covermore to meet their obligations and honour the policy I purchased.

Curious public reply from Covermore to my review. Asking me to post my personal details to a public website so they can investigate. They continue to defy belief.

Cover More was my go to travel insurance provider, after my current experience I will be looking elsewhere for cover. I damaged a camera lens whilst travelling recently, and I submitted a claim with Cover More. Cover More advised that they would not cover any costs associated with obtaining a quotation for the repair, which is in their policy. Cover More was however happy to claim the value of the credit I was given for the assessment, which of course reduced the claim value (by $97.50). Cover More are quibbling (or are confused) over this amount, which has left a bad impression of Cover More with me. For a simple claim, so far I have had to spend time on the phone on three separate occassions with one of their assessors and I have had to send justification emails, to clarify that the claim is the repair cost plus the replacement part, and any monies associated with the assessment cost is my responsibility as per their policy, (i.e. the assessment cost should not enter into their consideration).

In additon to this drawn out clarification process (which may not end in my favour any way), I note that an approval of claim was issued by Cover More on Monday 6/07/2026. In the approval of claim, they had mixed up the entires in their own claim schedule and made a numerical error (I guess it was an administrative error), and there was advice that the settlement monies would be "deposited into the account previously provided to us within 3-5business days" but 14 business days later there has been no payment received. The whole experience just gets More and More disappointing.

This insurance it got to be the worse of the worse!! ive been waiting for nearly A YEAR AND THEY KEEP SAYING SAME THING OVER & OVER!! is just so hard to deal with and no results we have given them everything they ask and keeps asking for things that have nothing to do with claim. STAY AWAY!!

As usual Commonwealth bank of Australia is hopeless and just another failed system. Their travel insurance which is outsourced to cover-more and underwritten by Zurich is as good as useless. Try and make a claim and you have to jump through hoops to even getting close to making a claim. Another example of why CBA is the worst bank and would strongly advise banking with any other bank other than CBA.

I have no policy or dealings with this company, yet they are fraudulently taking £900 from my account. Poor customer services dealing with the problem

I purchased cover more insurance for a three week trip in Europe. On my final day, on a remote island in Greece, I dislocated my knee as I was packing.
I had four hours before my flight. (granted this was an emergency situation in extenuating circumstances.)
I called cover more, expecting them to connect me with a local doctor, this was not what I received. I received one of their representatives on the phone who insisted on reading a very lengthy script about how I was to get information from them. He insisted it was not a script, although I could not interrupt him to ask the name of a local doctor. He would not assist me until I submitted several documents and was approved. This was not what I anticipated in an emergency. He also restated several times that once I returned to the US I no longer had any coverage. This was fine. I was just interested in some information for a local doctor or hospital. He could not give this to me, therefore I had to find different means to get help before my flight. So in conclusion in the event of an emergency, I would not recommend this insurance company.

Excellent claims service. We were most impressed with the assistance given in what was a very trying time for our family.

Claim for my lost prescription sunglasses was met fully (less excess of course) and promptly.
This is why I choose Covermore - their reputation for prompt and efficient settlement.