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  Options Travelsure
Overseas medical and dental~* $Unlimited $Unlimited
Additional expenses* $Unlimited $Unlimited
Amendment or cancellation costs* Cover chosen^ Cover chosen^
Luggage and travel documents* $15,000 $6,000
Delayed luggage allowance $1,000 $750
Money $200 $100
Rental car insurance excess $10,000 $3,000
Travel delay* $2,000 $1,000
Resumption of journey $3,000 $3,000
Special events $2,000 $1,000
Hospital incidentals* $8,000 $3,500
Hijacking* $8,000 $5,000
Loss of income† $9,000 (up to $1,500 per month) $6,000 (up to $1,000 per month)
Disability† $25,000 $20,000
Accidental death† $25,000 $20,000
Personal liability $3,000,000 $2,500,000
Medical and dental expenses in Australia~ $1,000,000 (only for the Inbound Area) -

~ Medical and dental cover will not exceed 12 months from onset of the illness, condition or injury.
* Sub-limits apply. Please refer to the policy wording.
^ Cover chosen applies per policy.
Maximum liability collectively is $20,000 on the International Plan and $10,000 on the Domestic Plan.
This is only a summary of the benefits provided. Please read the PDS carefully to understand what this policy covers. Importantly, please note that exclusions, conditions, limits and sub-limits apply.

 View the Product Disclosure Statement for Options or Travelsure.

Arranged by

24/7 Medical assistance

Get emergency medical help over the phone from anywhere, at any time of day.

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Fast claims online and on the go

Simple online claim proccess with a response given within 10 working days.

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Existing medical conditions and pregnancy

Automatic cover for 28 pre-existing medical conditions and pregnancy cover up to 26 weeks (so long as you meet the requirements).

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Why choose Cover-More Travel Insurance?

There’s nothing like travel to feed the soul and broaden the mind and nothing like the unexpected to put a dampener on your plans. With nearly thirty years of experience and more than 2.2 million journeys every year, Cover-More understands travellers.
Cover-More knows that if something goes wrong, you want expert help fast and to know you’re not alone. They can even connect you with an Australian-based GP, if that’s the best way to help. Cover-More’s medical assistance team of travel advisors, translators and medical experts are on call around the clock, so the help you need is only ever a phone call away. If you were planning on only using the insurance that comes with your credit card, make sure you have done your research. See our checklist.

Cover-More insurance provides:

  • Comprehensive medical and dental cover
  • Medical evacuation to first world facilities, if required
  • 24/7 Emergency Assistance via telephone
  • Up to five adults listed on the one policy
  • Cover for a number of adventure activities
  • 15 working day money back guarantee

Travel lighter with less paperwork

Simply login to your Key to the World and see all your travel insurance information online from anywhere in the world, 24/7. It sits right next to your travel itinerary and you can also manage your Key to the World Currency Card and Cover-More Global SIM from the same dashboard.

All the phone numbers you need will be sent to you on a Key to the World Emergency Assistance card so they will be handy should ever you need to call Cover-More for help.

Receive a free Currency Card and Cover-More Global SIM with an eligible travel insurance policy purchase

Purchase Insurance

Cover with a money back guarantee

Not sure? You can enjoy peace of mind with a guaranteed 15 working day cooling off period. If you purchase a policy and aren’t completely satisfied for any reason or simply have a change of heart, you can get a full refund.

You are entitled to a refund as long as:

  • You have not departed for your journey
  • You are not making any claims under your policy
  • You contact Cover-More Customer Service to cancel within 15 working days of purchasing

Frequently Asked Questions

Below are some common questions about Cover-More Travel Insurance. If the answer to your question isn’t here, please get in touch and we’ll answer you as soon as we can.


Can I buy Cover-More Travel Insurance for a one-way trip?

Yes. Depending on your age, the Options or Essentials plans cover trips up to 12 months duration in an ‘Area 1’ destination (Worldwide which includes the USA/Canada/Africa) and trips up to 18 months duration for all other destinations.

How many accompanied children are allowed to travel with me on a policy? 

For each adult purchasing an International or Domestic plan, there is no limit to the number of accompanied children you can add to your policy as long as they’re your own children or grandchildren, under 21 years of age, who are financially dependent on you and are not employed full-time.

On the Domestic Cancellation plan, each person (adult or child) must have their own policy if they want cover.

Am I covered for an existing medical condition?

Options and Travelsure policies automatically cover some existing medical conditions with no additional premium required. Please see the Product Disclosure Statement for details. If you meet the criteria for automatic cover for all of your medical conditions, you can check ‘No’ existing medical conditions when you complete the purchase form.

If you have any medical conditions not automatically covered or any other existing medical conditions you will need to call Cover-More on 1300 72 88 22 for a quote and a quick assessment over the phone and, if approved, an additional premium will apply for cover of your conditions. Some conditions cannot be covered. If you are calling Cover-More, be sure to mention ‘Key to the World’ in order to be able to set up your Key to the World online account and enjoy the benefits.

I’m going overseas for a year. Can I get cover?

In most cases, yes. Depending on your age and where you are travelling to, Cover-More Travel Insurance policies allows you to stay away for a maximum of 12 or 18 months.

Can you cover me for snow skiing/snowboarding?

Yes. You can add cover for snow skiing and snowboarding for an extra premium. Get a quote online or speak to your travel consultant. Please be aware there is no cover if you are:

  • Snow skiing or snowboarding off-piste
  • Racing
  • Participating in a professional capacity

Are there any restrictions relating to the cover for dental expenses overseas?

Yes. The policy covers emergency dental treatment however it doesn’t cover dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue, involving the use of precious metals, or involving cosmetic dentistry.

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.

Money back guarantee applies if you cancel the policy within 15 working days of purchase and you have not made a claim or departed on your journey.

2A Accompanied children includes your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the journey, provided they are not in full-time employment and they are under the age of 21 years.

Free Global SIM Card available to eligible Cover-More Travel Insurance holders who purchase an international comprehensive travel policy at least 8 days prior to departure. 7 day minimum trip duration also applies.

This is a prepaid service. Handset must be unlocked. Network coverage is not available in all areas. Visit to view full pricing details, rates, coverage and terms and conditions. Telecommunications services are provided by United Global SIM Australia Limited (ABN 49 610 038 509). Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145) and Flight Centre Travel Group Limited (ABN 25 003 377 188) are not the providers of any Global SIM products or services but may receive payments which are linked to customer usage and credit purchased.

When you purchase a Cover-More Travel Insurance policy through Key to the World, you are sent a medical assistance card that also doubles as a prepaid Key to the World Currency Card. Activating the prepaid currency card is optional. You can choose to activate it and load funds onto it or simply keep it handy to use the medical assistance numbers listed on the card should you need.