Cover-More Travel Insurance Reviews 

After the trauma of having my back pack stolen in Italy that had some very personal & valuable items in it. I made the claim and had all the relevant documentation the claim was approved in a timely manner. You often hear bad stories from insurance companies, but in my case with this claim nothing could be further from the truth. Thank you to Cover-More travel Insurance for restoring my faith in insurance companies. I can highly recommend Cover-More Insurance

A very positive outcome after missing out on my Japan tour due to illness. The claim’s process was straightforward and any queries were answered satisfactorily.

Claim promptly and fairly resolved and paid out in promised time frame. Absolutely satisfied.

CoverMore have just approved my claim, returning 99% of my travel insurance claim, based on cancelling our holiday due to pre-existing medical conditions.

It is not lost on me that most insurance companies' default position on this would be "No, we won't cover you!"
So, I am extremely appreciative of the Claims team getting to know me and my circumstances and spending time working together on my claim to achieve such a positive outcome!

Thank you to Fatima and the team for all their hard work.
Thank you CoverMore.
An insurance company that actually cares.

I would strongly advise against using this travel insurance company. Our experience has been nothing short of frustrating, exhausting and incredibly disappointing.

We submitted our claim over a month ago, and despite countless phone calls, emails and follow-ups, our evidence has still not been properly assessed.

We have repeatedly been asked to upload and resend the exact same documentation because they supposedly haven’t received it correctly. Each time, we are promised a response within 24–48 hours, yet these deadlines consistently pass without any communication.

Between the three people involved in our claim we have spent countless hours chasing updates, often having to take time out of our full-time jobs to call and email. Rather than progressing our claim, the company has simply lodged a formal complaint on our behalf, with no meaningful action or resolution.

The communication has been appalling. Staff members, including Joel and Barry, have repeatedly provided conflicting information, leaving us confused about the status of our claim and what is actually required. We have received no clear guidance, no consistent answers and no genuine assistance.

We have also been asked to obtain extremely difficult documentation from the airline, despite already providing evidence supporting the circumstances of our claim. When the company offered to assist us in obtaining this information, their entire contribution over four weeks was a single follow-up email replying to correspondence we had already initiated. No additional calls, meaningful follow-ups or proactive assistance were provided.

What makes this experience even more upsetting is that we are currently thousands of dollars out of pocket and have explicitly communicated that we are experiencing financial hardship. Despite this, there has been no apparent urgency, compassion or willingness to help us reach a resolution.

We have repeatedly been told that our claim can be escalated, yet no meaningful progress has been made. Instead, we are continually given new timeframes, sometimes up to 10 days, only to receive the same information we were given previously.

At this point, it genuinely feels as though we are being sent in circles, with endless promises of action that are never followed through. We purchased travel insurance for peace of mind and support when something went wrong, yet the claims process has only added significant financial and emotional stress to an already difficult situation.

We are now considering escalating this matter to the appropriate external dispute resolution body, as we simply cannot continue spending hours chasing a company that has demonstrated so little accountability or willingness to assist.

Over a month of delays, conflicting information, broken promises and absolutely no meaningful progress.

I would not recommend this company to anyone. If this is how customers are treated when they actually need to make a claim, I would strongly encourage others to look elsewhere for travel insurance.

I made a claim with this company and the staff that assessed the claim were professional, polite and patient. I wouldn't hesitate to use this travel insurance company again.

Covermore were excellent. Their paperwork was straight forward. The staff that I spoke to on the phone were helpful and efficient. We would always insure with Covermore. Whenever we had had dealings with Covermore they have been the same - friendly, productive, accomodating and prompt. We used Covermore insurance when we travelled to Japan. We insure with Covermore every time we travel overseas.

Thank you to cover more for considering the unfortunate circumstances of our claim.

My wife and I had 2 medical issues, one each. CoverMore were quick to help us while overseas. Upon our medical funded return those portions of our travel we were unable to complete were fully refunded without very many issues. Generally everything ran smoothly. We will definitely use CoverMore again.

Been taking Cover more Travel insurance for a few years Now.
This year we had to cut our trip short due to a death in the family back home.
Staff was very helpful.
It took about 10 weeks to approve our claim due to some missing information.
Over all we are very happy with the outcome.

I got influenza on a cruise, and the medical expenses were quite high. I filed a claim, and Cover-More was excellent to deal with; they reimbursed me promptly and without hassle. I'd definitely take out cover with them again.

They are a very professional company and I will be very happy to continue using them for all my travel insurance

Excellent customer support. They were able to assist me with any queries and provided updates on claims until claim was processed. Would recommend to anyone needing travel insurance.

We have had two unfortunate instances regarding stolen property during travel.
Cover More were found to be thorough and fair but you need patience while waiting for the due processes to proceed to finality.
The association with CommBank is very convenient.
My wife and I being senior travellers recommend Cover More very highly.
thank you

I have used cover more many times in the past, but have never made a claim before. In terms of my story: my return flight home was cancelled (Sapporo - Shanghai - Sydney) 1.5 weeks BEFORE I left for Japan. I had bought the insurance plan 3 weeks before my trip. I then had to purchase a return flight at much higher cost, as no alternative could be found by the airline (all booked out)

When I went to make the claim, the claim website is very hard to use and crashed multiple times without saving my progress. I finally submitted a claim and Cover More denied it. They said it didn't fit under Additional Expenses because a flight cancellation isn't one of the listed events in that section. I then argued it should be assessed as a cancellation claim under Section 4 and they said that section only applies before your journey starts. The cancellation happened before my journey started so that doesn't make sense.

They also tried to use a government intervention exclusion even though other flights on the same route kept operating (including the same flight as mine - a day before and day after). The cancellation email from the airline even said the reason they cancelled it was due to airlines.

The fact they kept making errors in their communications with me showed they didn't care at all. I went through their internal dispute resolution process and got denied again so I took it to AFCA.

Once AFCA got involved CoverMore suddenly offered me $800 while still insisting their denial was correct. If you were so confident you were right why would you offer to pay out most of the claim? That tells you everything you need to know.

I paid for comprehensive cover and got left over $1100 out of pocket for one of the most basic travel risks imaginable. Years of paying premiums and when I finally needed them they found every excuse not to pay.

I would highly recommend against using them. I still can't believe how many basic errors they made in their emails. It felt very disrespectful as a customer.

If i could give zero star I would!

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