Cover-More Australia review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cover-More Australia sells travel insurance to older Australian travellers and keeps writing for people up to 99 years of age, a generous stretch for a trip policy. The International Comprehensive plan carries unlimited overseas medical expenses, and help is available on phone, chat and email once a trip ends.
Key facts
- Best for
- Travel cover for older Australian travellers who want claims handled by phone, online or on paper.
- Insurance types
- Travel↗
- Provider type
- Mga↗
- Cover limit
- Overseas medical expenses: $Unlimited (International Comprehensive)↗
- Claims channels
- Online portal, Phone, Email, Post, Fax↗
- Age range
- up to 99 years of age↗
- Legal entity
- Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145)↗
- Headquarters
- Australia↗
- Founded
- 1986↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Audience
- Seniors
- Official website
- covermore.com.au
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Policies written up to 99 years of age, aimed squarely at seniors travellers.
- Overseas medical expenses are unlimited on the International Comprehensive plan.
- Support runs on phone, chat and email, and claims go in through online portal, phone and email, so a claim can still be lodged by post or fax.
- Entry premiums sit near the middle of the travel insurance ranking, with the median entry premium at €7.93.
Cons
- Insurance types are listed as travel only, so a car, home or life policy has to come from another provider.
- The top of the range is up to 99 years of age, so travellers above it sit outside the ages this brand writes for.
Who it suits
- Older travellers buying a single-trip policy: the audience is seniors and the range is up to 99 years of age.
- People who like to lodge a claim on paper, since claims run through online portal, phone and email.
- Travellers who will buy the upper plan for unlimited overseas medical cover.
Who should look elsewhere
- Drivers and householders wanting one provider for everything: EuroAsia Insurance lists auto, home and travel.
- People after gadget or health cover: Oney Préstamos ES lists health, life and gadget.
- Anyone whose cover gap is long term life cover rather than a trip: Linxea lists life.
Deposit protection
Cover-More Australia operates as a managing general agent, which means it issues and administers travel policies for an insurer rather than carrying the risk itself. Its listed permission is an Australian Securities and Investments Commission financial services licence, AFSL 232507. The party that pays a claim is the insurer named on the policy document, not the site that sold it to you.
How Cover-More Australia compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 8.7Health, life and gadget sit alongside travel at Oney Préstamos ES, health, life and gadget, so a policy can span a trip and a device.
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.7A life specialist, life, which suits a reader whose gap is long term cover rather than a single journey.
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.0
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.6
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.3
9.0 vs 8.2- 9.0 vs 8.0
Where Cover-More Australia is available
- Available
- Australia
- Licence in Australia
- Australian Securities and Investments Commission (ASIC) (AFSL 232507), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who is Cover-More Australia aimed at?+
The audience is seniors, and the age range for a travel policy runs up to 99 years of age. That is a narrow brief: a travel product for people travelling later in life, not a general insurance shop. Anyone after car, home or life cover has to look at a different provider.
What will a policy cost?+
Premium is priced on the trip, the destination and the plan, so the quote differs per journey. For context, the median entry premium across the travel insurance ranking is €7.93, while the upper quartile of the field sits at €43.47. That gap shows how far a quote can move.
Who regulates Cover-More Australia?+
The listed permission is an Australian Securities and Investments Commission financial services licence, AFSL 232507. The entity carrying that permission is Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145). A licence number tells a reader nothing about cover, so the plan wording is where the medical limits are set out.
What kind of company is it?+
It is a managing general agent, which means policies are issued and administered for an insurer rather than underwritten by Cover-More Australia itself. The business has been trading since 1986, a long run for a travel brand. The practical effect is that the counterparty on a claim is the insurer named in the policy.
How do I reach it and make a claim?+
Support runs on phone, chat and email, so a call, live chat, email or the help centre all work. Claims travel on a separate set of routes, online portal, phone and email, a wider spread than most providers allow, and it still includes post and fax for readers who do not run paperwork online.
What does the policy actually cover?+
Travel is the only type listed, travel. The figure to look at is overseas medical expenses, which are unlimited on the International Comprehensive plan. That is a ceiling rather than a typical figure, and it suits a traveller whose main worry is a large hospital bill abroad rather than lost luggage.
Does it insure cars or homes too?+
No. The insurance types listed are travel, so a car, home, life or gadget policy has to come from another provider. For a single insurer that spans more than the trip, EuroAsia Insurance lists auto, home and travel.
Sources
- commissionfactory.com/advertiser-directory/cover-more-aff... checked September 26, 2026
Backs: Founded
“Established in 1986, Cover-More Travel Insurance was founded in Australia”
- covermore.com.au/frequently-asked-questions checked September 26, 2026
Backs: Claims channels, Support channels
“You can lodge a claim through our Online Claims Portal and upload copies of any supporting documentation that supports your claim... All claims documentation can be submitted by email, fax, and mail.”
- covermore.com.au/legal checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507)”
- covermore.com.au/travel-insurance/compare-our-plans checked September 26, 2026
Backs: Cover limit, Insurance types
“Overseas medical expenses $Unlimited~ ... International Comprehensive (Single Trip or Annual Multi-Trip)”
- covermore.com.au/travel-insurance/seniors-travel-insurance checked September 26, 2026
Backs: Age range, Audience
“Travellers are eligible for our Cover-More travel insurance up to 99 years of age, but this is subject to our acceptance criteria”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Related by the facts
Cover-More Australia
Travel cover for older Australian travellers who want claims handled by phone, online or on paper.