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  • Are all travellers currently living in Australia, and:

    • are they Australian citizens with a valid Australian Medicare card, or

    • do they hold a visa allowing them to live, work or study in Australia?

    If any traveller has already left their home in Australia and are on their trip this cover is subject to a 3 day no-cover period. This means there is no cover under any section for any event that has occurred already or that arises within the first 3 days of buying the policy.

    Check our travel alerts and advisories for known world events that may affect the cover.

    Limited cover for COVID-19. Further terms and conditions apply, including:

    • Pre-trip cancellation available if you or your travelling companion have COVID-19 and cannot travel. If you buy a policy within 21 days of your travel, we only cover the travel costs you paid within 48 hours of, and after, buying this policy. (For trips starting in advance of 21 days from policy purchase, sub-limits apply with cover only available on some plans).

    • A special excess applies if you’re diagnosed with COVID-19 on your trip. It will be deducted in addition to any other excess.

    • There’s no cover for travel to a country on Smart Traveller’s Do Not Travel List, border closures or travel bans.

    • Full details in the PDS.

    You have a duty to take reasonable care not to make a misrepresentation when entering this contract of insurance.

    By continuing, you acknowledge and understand the above.

    Has COVID-19 disrupted your travel plans? You may be eligible for a refund on your travel insurance premium. Visit Cover-More Support Page

    Travel Insurance Benefits

    24/7 Assistance

    All policies come with 24/7/365 assistance, so we're always a phone call away.

    Cooling Off Period

    If you change your mind, you can cancel your policy within 21 days for a full refund provided you haven't claimed or travelled.

    Travel Disruption

    Cover in the event your trip is cancelled or you need to amend due to illness or accidents.