Cover more travel insurance review | My Personal experience using them

Cover-More Travel Insurance Review: A Lifesaver When You Need It Most

When you’re halfway across the world, hurt, alone, and scared, the last thing you want to worry about is how you’ll pay for medical care or get home. That’s exactly where I found myself — but thanks to Cover-More Travel Insurance, I didn’t have to face that nightmare alone. This review is not just a comparison of benefits and costs. It’s a real story of how Cover-More went above and beyond to help me when I needed it the most.

If you’re wondering whether travel insurance is worth it, or specifically if Cover-More is reliable, read on. I’ll walk you through my personal experience, their coverage options, claims process, and whether it’s the right insurance provider for your next adventure.

What Is Cover-More Travel Insurance?

Cover-More is one of Australia’s leading travel insurance providers, offering comprehensive and flexible policies for domestic and international travellers. Known for their partnership with Commonwealth Bank, 24/7 emergency assistance, and optional extras like adventure sports coverage, they cater to both casual holidaymakers and serious adventurers.

With more than 30 years in the business, Cover-More serves millions of travellers each year and has built a reputation for reliable support, fair claim handling, and transparent pricing.

My Experience: When Cover-More Truly Delivered

During an overseas hiking trip, things went horribly wrong. I found myself injured, in pain, and completely alone — awake at 1 a.m., crying and unsure what to do. Fortunately, I had opted to pay an extra $50 for the Adventure Sports Cover, which turned out to be the best decision of the entire trip.

Here’s what made Cover-More shine:

✅ 24/7 Medical Assistance

Cover-More has a 24-hour emergency phone line where I could speak directly to a registered nurse — and trust me, at 1 a.m. in pain, that voice on the other end of the line was nothing short of life-saving. The nurse was kind, calm, and walked me through what to do next.

✈️ First-Class Repatriation

Someone — I still don’t know who — from Cover-More’s emergency team arranged a business class flight back to Australia for me. They made sure I could travel home safely and comfortably after my injury. It’s hard to put into words how grateful I am for that.

💰 They Paid for Everything — Literally

From hospital costs to the lost sleeping bag, every cent I was charged was reimbursed. I didn’t have to argue, negotiate, or chase anyone for weeks. I simply filled out a claim form online, attached all receipts and medical records, and was reimbursed within a week.

What Does Cover-More Travel Insurance Cover?

Cover-More offers multiple policy options and optional add-ons. Here’s a quick breakdown:

Standard Coverage Includes:

• Overseas medical and hospital expenses

• Cancellations and delays

• Lost or stolen luggage and personal items

• Family emergency cover

• Personal liability

Optional Add-Ons:

• Adventure Sports Cover (hiking, trekking, skiing, scuba diving, etc.)

• Motorcycle or moped cover

• Snow sports cover

• Cruise cover

Since my policy came free with my Commonwealth Bank credit card, all I had to do was activate it by purchasing my flights with the card and pay a little extra for the adventure add-on.

Claims Process: Fast, Simple, Hassle-Free

One of the best aspects of my experience with Cover-More was how seamless the claims process was:

1. Go to the Cover-More website

2. Fill in the online claim form

3. Upload evidence (receipts, medical reports, etc.)

4. Submit and wait for approval

I received my reimbursement within 7 days, with zero follow-up emails or delays.

Cover-More Travel Insurance Pros and Cons