Cover-More Australia review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cover-More Australia suits travellers in Australia who want long-standing travel cover with senior-friendly age limits, since travellers can be up to 99 years of age. Its Australian licence and broad claims channels make it a steadier pick than a smaller travel-only seller.
Key facts
- Best for
- Travellers in Australia, especially older travellers, buying cover with unlimited overseas medical expenses.
- Insurance types
- Travel (Source, checked September 26, 2026)
- Provider type
- Mga (Source, checked September 26, 2026)
- Cover limit
- Overseas medical expenses: $Unlimited (International Comprehensive) (Source, checked September 26, 2026)
- Claims channels
- Online portal, Phone, Email, Post, Fax (Source, checked September 26, 2026)
- Age range
- up to 99 years of age (Source, checked September 26, 2026)
- Legal entity
- Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145) (Source, checked September 26, 2026)
- Headquarters
- Australia (Source, checked September 26, 2026)
- Founded
- 1986 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
- Audience
- Seniors
- Official website
- covermore.com.au
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Travellers can be up to 99 years of age
- Unlimited overseas medical expenses on the International Comprehensive plan
- Support runs on phone, chat and email
- Claims can go in through online portal, phone and email
Cons
- The only line of cover listed is travel, so other needs sit with another provider
- It operates as an mga rather than as the insurer itself
Who it suits
- Australian travellers buying a single-trip or annual policy
- Older travellers who find many policies close off at a lower age
- Anyone wanting unlimited overseas medical cover on the International Comprehensive plan
Who should look elsewhere
- Travellers who also need home or motor cover, since travel is the only type listed
- Anyone who wants a smaller brand that is not an mga
The company behind it
Cover-More Australia is issued by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145) and is based in Australia. It has been operating since 1986, which gives a long record in travel cover. Structurally it is an mga, so it administers the policy while an underwriter carries the risk. Support runs on phone, chat and email. It also holds an Australian financial services licence, AFSL 232507, so its selling side is overseen by the Australian Securities and Investments Commission.
How Cover-More Australia compares
9.0 vs 9.4
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9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.0
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9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.3
9.0 vs 8.6- 9.0 vs 9.3
9.0 vs 9.3Max Life Insurance
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 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6- 9.0 vs 8.4
- 9.0 vs 8.2
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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
How old can travellers be to buy this cover?+
Cover-More Australia sells a dedicated seniors travel policy, and the age range is up to 99 years of age. That sits well past the point where many travel policies stop accepting new customers, which is the main reason older travellers are its clearest audience.
What does the policy pay out for medical costs overseas?+
Overseas medical expenses are unlimited on the International Comprehensive plan. That plan is the one to look at if a long hospital stay abroad is the thing that worries you, since a capped limit can leave you with a bill to cover.
Who is behind Cover-More Australia?+
The policy is issued by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145), based in Australia. The brand trades as an mga, so it presents and administers the cover while an underwriter carries the risk.
Is the company regulated?+
It holds an Australian financial services licence, AFSL 232507, under the Australian Securities and Investments Commission. Licence holders in Australia are subject to capital and conduct requirements set out by the regulator.
How do I make a claim?+
Claims can be made through online portal, phone and email, so a claim does not have to be lodged in one particular way. Having both a phone line and an online portal means you can call when a trip is under way and submit the paperwork online.
What kinds of insurance does it sell?+
Travel insurance is the only type listed for this brand, given as travel. If you also need home, motor or contents cover, you will need a separate provider for those lines.
How do I get help before I buy?+
Support runs on phone, chat and email, which includes a phone line, live chat and a help centre. Talking it through before buying is sensible if you are buying at an older age, since medical questions often shape what a policy will cover.
What are the main exclusions to watch?+
The plans sit alongside an unlimited overseas medical limit on the International Comprehensive tier, and the rest of the cover depends on the tier you choose. Reading the policy wording for your destination is the safest way to see what is left out.
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.
Cover-More Australia
Travellers in Australia, especially older travellers, buying cover with unlimited overseas medical expenses.