Cover-More travel insurance review

Cover-More offers travel insurance plans for most budgets.

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Cover-More says it can offer up to 17 days of winter sports cover at no extra cost with its annual multi-trip travel insurance. It also covers trips specifically for senior travellers and has a 24/7 in-house emergency assistance team of case managers, doctors and nurses to help in the event of an incident while travelling. We’ve checked this insurer out to see if you can get a good deal. Here’s what else you should know.

What is Cover-More?

Cover-More was established in Sydney, Australia in 1986. It reached the UK in 1996 and since then, has grown to cover more than 7.3 million travellers every year.

The Cover-More Group operates in several other countries, including Australia, New Zealand, China, Malaysia and the US.

What are my cover options?

Choose between:
  • Worldwide
  • Worldwide excluding the USA, Canada and the Caribbean
  • Australia and New Zealand
  • Europe
  • Europe excluding Spain, Greece, Turkey, Cyprus and Malta
Features of the policy include:

Any number of journeys in 1 year up to 120 days of travel in total, with a trip duration of up to 30 days. Enhanced cover can be selected for trips longer than 30 days for 45 or 60 days per journey.

Cover-More has plans at a variety of cover levels:

  • Economy
  • Silver
  • Gold
  • Diamond

What is covered under my policy?

  • 24/7 emergency travel and medical assistance
  • Additional expenses (missed connection, missed departure or disruption)
  • Amendment or cancellation costs
  • Abandonment
  • Luggage and travel documents
  • Delayed luggage allowance
  • Money
  • Rental car insurance excess
  • Travel delay
  • Cost of resuming journey
  • Hospital incidents
  • Hijacking
  • Loss of income
  • Personal accident
  • Accidental death
  • Student loan repayment
  • Legal expenses
  • Golf cover
  • Cruise cover

It’s worth noting that there’s no cover for mobile phones or sunglasses.

Optional extras

  • Ski travel and winter sports cover
  • Enhanced luggage and personal items cover – cameras, laptops etc
  • Enhanced rental car insurance excess cover
  • Increased luggage item limit
  • Motorcycle and moped cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your cost.

With Cover-More, you’ll have the options of having an excess of zero, £75 or £200. If you select £75, any medical and dental expense claim will always have an excess of £100 applied if you’re under 50 or £125 if you are aged over 50.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Cover-More?

Depending on the nature of your claim, there are two Cover-More online claim forms that you can choose from in order to submit a claim.

Claim form A: Medical, dental and additional expenses, as well as travel delay, amendment or cancellation costs
Claim form B: Rental car insurance excess, delayed luggage allowance as well as lost luggage, travel documents or money

If you have any questions about the claims process, you can contact Cover-More on 01245 272 402 or

Once you’ve downloaded the relevant form, you’ll need to complete and print it then post the form, along with all original requested receipts and supporting documentation, to:

Cover-More Insurance
PO Box 9180,
CH1 9AG.

Remember to make copies of the completed form, receipts and supporting documentation for your own records before sending anything through the post.

And it’s vital that you let your insurer know about a claim within 31 days of your return to the UK. Failure to do this could result in a delay or a rejected claim later on.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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