Cover-More Travel Insurance

Buying Cover-More travel insurance: compare your quote, then buy through ShopBack before you pay: ShopBack Cashback works like a discount, only easier than a promo code. Headline price and value are different questions. Cover-More says its International Comprehensive tiers include unlimited overseas emergency medical expenses and automatic cover for a broad list of adventure activities, which cheaper Basic policies on the market often cap or exclude. Quote the same trip across Cover-More, Allianz and InsureandGo at the same policy tier. Then go through ShopBack before you pay and part of what you spend comes back as Cashback.

Hunting for Cover-More promo codes: go through ShopBack before you pay, where ShopBack Cashback works like a discount, only easier than a promo code. Cover-More Australia typically issues its own promo codes around EOFY (late June), the January travel-planning window, mid-year school holidays and Black Friday and Cyber Monday. Codes are usually applied at quote on covermore.com.au and often carry short expiry and per-trip limits.

Cover-More, Allianz Global Assistance and InsureandGo all sit in the mid-to-premium tier of Australian travel insurance with broadly overlapping benefit structures on their comprehensive plans. Cover-More is Zurich-owned and typically leads on adventure activities included as standard and on senior age eligibility (up to age 99). Allianz Global Assistance often prices comparably on comprehensive Europe and US trips and pairs with credit-card-issued policies for existing customers. InsureandGo commonly quotes lower headline premiums on short-haul Asia trips but its Bronze / Silver tiers carry lower medical and cancellation limits than Cover-More Comprehensive. The reliable comparison is quoting the same trip dates, destinations and age band at matched benefit tiers on each site, then applying ShopBack Australia Cashback on the winner.

For Australians booking a cruise of two or more nights at sea, Cover-More requires the Cruise Cover add-on with an International policy. The add-on extends cover to onboard medical treatment, cabin confinement, missed port days and pre-paid shore excursions that a standard travel policy usually excludes, and it typically pairs with higher medical limits on the underlying Comprehensive plan. Quote the specific cruise (line, itinerary, cabin category, ages) across at least three providers at matched benefit tiers before deciding. Then open Cover-More from ShopBack before you pay and part of what you spend comes back as Cashback.

Annual multi-trip travel insurance in Australia usually breaks even against single-trip policies at around three or more overseas trips per year, particularly for travellers combining short business trips with a longer leisure holiday. Cover-More offers an annual multi-trip option with a maximum-days-per-trip cap that must be selected up-front (common caps sit at 30, 45 or 60 days per trip). Fast Cover, InsureandGo and 1Cover typically quote lower headline annual premiums, but Cover-More's Comprehensive annual pairs with unlimited overseas emergency medical expenses and its 24/7 Emergency Assistance line. Match the per-trip day cap and destination scope to actual travel patterns before locking in, then route through ShopBack Australia for Cashback.

Cover-More Australia typically runs promotional windows across EOFY (mid to late June), the January travel-planning window and the November Black Friday and Cyber Monday period. EOFY promotions have historically centred on a promo code applied at quote on covermore.com.au and occasional bonus benefit tiers on Comprehensive plans. Sale participation and code depth vary year to year, so previewing the current Cover-More site and getting a quote a day before is a low-cost way to lock a price. During EOFY, the sale price is what you pay at checkout. Going through ShopBack before you pay is an essential step, and part of what you spend comes back as Cashback. Check the rate shown on ShopBack's Cover-More page before you buy.

The general guidance for Australian travellers is to buy travel insurance as soon as a non-refundable deposit is paid on flights, accommodation or a tour, since cancellation cover only responds to unforeseen events that occur after the policy is purchased. Cover-More's cancellation cover on Comprehensive tiers is at a nominated sum insured that must be selected at purchase, so buying early also lets the cancellation limit protect the full trip cost. Sale-window pricing (EOFY, Black Friday, Cyber Monday) can lower the premium, but waiting for a sale means uninsured deposits in the interim. Activate ShopBack Australia before clicking through to Cover-More for Cashback on the premium. For a deeper look, see How to Buy the Cheapest Flights from Australia (2026 Playbook).

Premium bands vary sharply by destination for Australian travellers. Bali and broader Southeast Asia typically quote at the lowest premiums with Fast Cover, InsureandGo and Cover-More Basic all commonly under mid-range on a two-week trip. Europe and the UK usually quote in the middle band, driven by higher medical costs and cancellation exposure on multi-city itineraries. The US and Canada consistently price at the top band because of US medical costs, so unlimited overseas emergency medical cover (as on Cover-More Comprehensive) usually justifies the higher premium for US trips specifically. Quote the exact dates and destinations on each site at matched benefit tiers, then apply ShopBack Australia Cashback on the winner.

Cover-More Australia includes automatic cover for a broad list of adventure activities as standard on International policies (bungee jumping, canyoning, snorkelling, sandboarding and similar activities, plus a wide list of low-risk sports). Higher-risk activities require the Adventure Activities add-on, sold in two tiers, and snow sports require the separate Snow Sports Cover add-on, also available in two tiers depending on activities undertaken. Motorcycle and moped use requires its own add-on and typically depends on rider licence and engine capacity. Confirm exact activity coverage at quote on covermore.com.au before departure and route through ShopBack Australia for Cashback.

Cover-More is a major Australian travel insurance provider underwritten by Zurich Australian Insurance Limited and owned by Zurich Insurance Group. Its product range covers International Basic, International Comprehensive and International Comprehensive+ tiers, plus Domestic policies for travel within Australia and Inbound policies for visitors. Optional add-ons include Cruise Cover, Adventure Activities, Snow Sports and Motorcycle / Moped cover. Cover-More operates a 24/7 Emergency Assistance line for medical and travel emergencies overseas, with claims lodged online. Open covermore.com.au from ShopBack before you pay and part of what you spend comes back as Cashback. For a wider view, plan a two-week Europe trip on an Aussie budget.

Cover-More Australia's policies are underwritten by Zurich Australian Insurance Limited, part of Zurich Insurance Group, one of the largest global insurers. Cover-More has operated in Australia for several decades and is distributed direct at covermore.com.au as well as through travel-agency and airline partners. Product Disclosure Statements, Target Market Determinations and Financial Services Guides are published on covermore.com.au as required by ASIC, and can be reviewed before quoting. Buying direct through ShopBack means part of what you spend comes back as Cashback.

Cover-More International Comprehensive and Comprehensive+ tiers include unlimited overseas emergency medical expenses, subject to a 12-month cap from the onset of the illness or injury and standard policy exclusions. The 24/7 Emergency Assistance line coordinates hospital admissions, medical evacuation and repatriation. Existing medical conditions require assessment at quote generation: some conditions are covered automatically at no additional premium, others require a medical screening and can be added for an additional premium, and some conditions may be declined depending on severity. Domestic policies do not cover medical expenses since Medicare and private health insurance apply within Australia. Verify conditions at quote before purchase.

Cover-More Australia issues travel insurance to travellers up to age 99, which is a higher upper age band than many mid-tier competitors in the Australian market. Premiums scale steeply with age and existing medical conditions, so a screening at quote is essential for older travellers. Family policies cover up to 10 accompanying children under 21 who are financially dependent on the adult policyholder, at no additional premium per child on eligible plans. Confirm exact family definitions, age bands and dependency rules on the current Cover-More product disclosure statement at covermore.com.au before purchase.

Go through ShopBack before you pay and the Cashback goes to your ShopBack account. Sign in to ShopBack Australia, open the Cover-More Travel Insurance merchant page above, and continue to covermore.com.au to get your quote and buy. The live rate is shown in the rate table on the ShopBack Cover-More page above.

After clicking through to Cover-More Australia from ShopBack and completing a policy purchase, the order is submitted to ShopBack by the merchant and typically appears as pending Cashback in the ShopBack Australia account within a few days. Cashback confirms after the 21-day cooling-off period and the merchant's own confirmation cycle.

Cashback applies to a Cover-More policy bought on covermore.com.au after you open it from the ShopBack Cover-More page before you pay. The current Cashback is shown on the Cover-More page on ShopBack. For a deeper look, see Earn Cashback on Hotels & Flights.

Cover-More is a legitimate Australian travel insurance provider. Policies are underwritten by Zurich Australian Insurance Limited, part of Zurich Insurance Group, one of the largest global insurers. Cover-More has operated in Australia for several decades and is one of the more widely distributed travel insurance brands in the market, sold direct at covermore.com.au and through travel-agency and airline partners. Product disclosure statements, target market determinations and financial services guides are published on the Cover-More Australia site as required by ASIC. Policies bought on covermore.com.au from the ShopBack Cover-More page earn Cashback at the rate shown there.