If for some reason you change your mind about your insurance purchase, Cover-More policies give you peace of mind by offering a ‘cooling off period’ of 21 days. During this time, you can obtain a full refund (if you haven’t made a claim and your departure date has not passed).

If you need to cancel your policy, please call us on 0433 577 087 or contact Cover-More directly – click here

A policy can be purchased anytime leading up to your departure date, but it’s a good idea to consider purchasing your policy at the time your trip is booked.

Cover-More policies include an option to add cover for cancellation costs on most of their plans and cover starts from the time the policy is purchased.

When buying any insurance policy, you should always carefully consider the Product Disclosure Statement (PDS) to see if the cover is right for you. The PDS gives you a full rundown on what you’re covered for and – more importantly – what you’re not covered for. Some things to look out for in the PDS include:

• Benefit sub-limits
• Policy conditions
• Exclusions
• Excess

Please view the combined PDS/FSG – click here

With the level and type of cover varying between policies, it’s important to understand every level of travel insurance cover is different. You should carefully consider the Product Disclosure Statement before deciding if the policy provides the coverage you need.

Overseas medical and dental expenses:

If you get sick or injured overseas, Cover-More includes unlimited~ cover for your overseas treatment costs, including those incurred by overseas doctors, hospitals, ambulances and medications. Many policies have a sub-limit for dental coverage that is far less than what the table of benefits indicates, so make sure your travel insurance policy offers an adequate level of dental cover.

Additional expenses:

Cover for unexpected travel costs if:

• A doctor says you’re too sick to continue travelling
• You need to return home because a relative in Australia suddenly falls ill
• Your transport is disrupted due to a strike, riot or civil commotion

Amendment or cancellation costs:

Cover for trip amendments or cancellation if an unexpected event occurs, such as:

• You’re sick or injured and can no longer travel
• A relative in Australia is sick
• Involuntarily redundancy: if your full-time or permanent part-time job is made redundant unexpectedly

Luggage and travel documents:

Cover is included for lost, stolen or damaged personal belongings, including:

• Cameras and video cameras
• Laptop computers
• Tablet computers
• Mobile and smart phones
• Other items

Delayed luggage allowance:

If your luggage is delayed for more than 12 hours, there’s cover provided for clothing and toiletries.

This is available on International Plus and Inbound plans as standard, and can be purchased as add-ons with the International Essentials plans. (Sub-limits apply.)

Rental car insurance excess:

If your rental car is stolen or damaged, cover is provided for the insurance excess you’re required to pay.

This is included on International Plus, Inbound, and Domestic plans. It can be purchased on the International Essentials plan as an add-on.

It’s important to know that some medical conditions are classified as existing medical conditions and may not be covered by our base policy, even if they occurred years ago or you feel in good health now.

If you aren’t sure or answer yes to any of the below, talk to your travel consultant or call Cover-More on 1300 72 88 22 before you go to ensure you’re protected and can keep travelling.

• Do you take any medications for anything, prescribed or otherwise?
• Have you ever been in a hospital for an illness, injury, treatment or surgical procedure?
• Do you see a medical practitioner or specialist for reviews or check-ups at any time?

It is important to note that some medical conditions will be approved and included, while others may attract an additional premium.

If something goes wrong in a foreign country, your experience may be very confusing, complex and costly. Because of this, always check whether your travel insurance policy gives you access to a 24-hour emergency assistance team so help is there when you need it.

Whether you become seriously ill and need to be hospitalised or simply lose your passport and are stuck, every Cover-More policy gives you access to a 24-hour Emergency Assistance team. This team can offer you practical support and guide you through your crisis 24 hours a day, 7 days a week, 365 days a year, so you’re never alone in your moment of need.

Global numbers to call for emergency assistance

The best emergency contact number will depend on the country you’re calling from. We have local toll-free numbers available in the most popular destinations for Australian travellers:

• USA: 1800 937 9763
• Canada: 1800 645 8714
• UK: 0800 892 014
• New Zealand: 0800 445 524

Charges apply if you’re calling from a payphone or mobile phone.

If you experience any difficulties with the toll-free numbers or if you are calling from any other country, call the direct number below:

• Worldwide: +61 2 8907 5619

Please have your travel insurance policy number and a call back number ready when you call.

If you need to fax any information through with your assistance case number or policy number, fax +61 2 9954 6250.