Cover-More's Travel Insurance Essentials Guide
For most, overseas travel is a rewarding experience. No one plans for things to go wrong, but unfortunately, sometimes they do. Being prepared for such problems is essential. That is why travel insurance protection is vital.
In most cases holidays run smoothly, but there are risks that come with travelling abroad. For example, the cost of changing or cancelling hotel accommodation and flights if you lose your passport or the cost of medical treatment should you become ill. Last year, the Department of Foreign Affairs handled over 20,000 cases involving Australians in difficulty overseas. Many of these cases involved Australians travelling with no or inadequate insurance cover and as a result are now faced with a long-term financial burden. You can't really afford to travel without insurance.
Book your insurance
Follow our guide to choose the right travel insurance for you:
A policy can be purchased anytime leading up to your departure date. Because Cover-More policies includes cover for cancellation costs on most of their plans and cover starts from the time the policy is purchased, it's a good idea to purchase right away to take full advantage for this benefit. Doing this means if you become ill and unfit to travel before you go away, any nonrefundable money paid is covered.
When buying any insurance policy you should always carefully consider the Product Disclosure Statement to see if it's right for you. This will give 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 include:
- Benefit Sub-limits
- Policy conditions
With the level and type of cover varying between them, every travel insurance policy is different. You should carefully consider the Product Disclosure Statement before deciding if the policy is right for you.
Cover-More Options Policy include:
No one wants to feel unwell or get injured while they are away, but you don't have to get sick worrying about medical costs. If you purchase a travel insurance policy with Cover-More you will be covered for overseas hospital, medical, surgical, nursing and ambulance expenses... now that's a relief.
Dental pain is extremely discomforting and often costly to mend, especially overseas. 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.
Should you become sick or suffer an injury that makes you unfit to travel, you could not only be stuck with expensive medical bills, but also the cost of additional accommodation and transportation costs.
Amendment or cancellation costs
What if you planned your perfect trip, paid your hard earned dollars but could no longer go? There is no need to lose thousands of dollars in cancellation fees when this kind of risk can be avoided with travel insurance. With Cover-More's optional amendment or cancellation cover you only need to pay for the cover you need.
Luggage and travel documents
How much would it cost to replace your valuable belongings? Don't be out of pocket for your lost, stolen or damaged items.
Delayed luggage allowance
If for some reason your luggage is delayed, you will be spared the inconvenience with Cover-More's delayed luggage allowance, which allows you to buy toiletries and a change of clothes while you wait for your luggage to arrive.
Rental car insurance excess
Car accidents are just as likely to occur overseas as they are back home and if you have an accident the rental car agreement suggests you have to pay an excess in the thousands.
Many adventure pursuits have an increased level of risk. If you are a bit of a dare devil, you will be happy to know Cover-More automatically cover a variety of adventurous and sporting activities in their policies. These include abseiling, bungy jumping, ballooning, parachuting, paragliding, parasailing, white water rafting plus many more. So you can have the confidence to experience more and worry less. Cover-More also offer cover for skiing, snowboarding and other Winter Sports.
A family holiday can work at to be expensive, but your insurance doesn't have to be. All policies are different. Most of Cover-More's insurance plans offer free cover for children as long they are under 21 and not in full-time employment*. So for an affordable price, you can have the security of knowing your family are in safe hands.
*Base policies only, additional costs for cancellation cover may be required.
Most travel insurers have a standard excess, which is usually around $100. With Cover-More you can choose an excess level that suits you. The higher the excess, the lower the amount payable.
If you're planning a business trip or working holiday, make sure your travel insurance policy offers adequate cover. Cover-More has a range of policies for both business travellers and travelers who plan on finding work whilst overseas. Whether you are on a tight budget or your looking for a premium policy that includes cover for your new laptop, we can help.
If you plan on getting away more than once this year, a multi-trip plan could be a cheaper and more convenient option for you. Cover-More's multi-trip policy allows you to enjoy the benefit of unlimited travel insurance cover for one year, for one premium. If you are unsure whether a single or multi-trip plan is best for you, please phone 133 133 and a Flight Centre travel consultant can assist you.
If you purchased a single trip policy through Cover-More and wish to lengthen your trip while you're away, you can phone 133 133 to extend your policy. You simply need to contact the agent you purchased the original policy from before it expires and provide them with your new return date. Then a new policy for the remainder of your time away can be arranged. It's as easy as that.
If you suffer from a medical condition it is important you seek out the right cover. The policies available at Cover-More automatically cover some medical conditions. If your medical condition falls outside this auto accept list, your condition can be assessed and cover can be provided for an additional premium. If you need further information please phone 133 133.
Make sure you check out whether the policy you're considering taking offers adequate cover for you. Cover-More policies provides cover for pregnancy up to the 26th week, but conditions apply. If there have been complications with this or any previous pregnancy or the conception was medically assisted, you will be required to complete an Assessment Form prior to cover being considered. Cover-More policies do not cover childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.
If for some reason you change your mind about your insurance purchase, Cover-More policies give you peace of mind by offering a 15-business day 'cooling off period'. During this time you can obtain a full refund (provided that you haven't made a claim and your departure date has not passed). If you need to cancel your policy, please phone 133 133.
If something goes wrong in a foreign county, the experience may be very confusing, complex and costly. Check whether your travel insurance policy gives you access to a 24 hour emergency assistance team. Whether you become seriously ill and need to be hospitalized 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. You can rest easy knowing that with a Cover-More travel insurance policy, you're never alone in your moment of need.
After purchasing a Cover-More policy, if you encounter difficulty overseas and wish to make a claim you will need to complete a Claim Form. When filling out the form, take care to provide as much detail and supporting evidence as possible regarding the 'event' you are claiming for.
Flight Centre Limited is a representative of Cover-More Insurance Services Pty Ltd AFSL 241713. The information provided is of a general nature only. You should consider the Product Disclosure Statement in making a decision about travel insurance. The issuer of the travel insurance is Great Lakes Reinsurance (UK) PLC trading as Great Lakes Australia AFSL 318603.