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Traveling is an exciting experience, but it can also be risky. Unexpected events such as accidents, illnesses, and cancellations can ruin your trip and cause financial losses. For this reason, many travelers opt to get travel insurance that can provide protection and peace of mind. Covermore is one of the leading travel insurance providers that offer a wide range of policies to suit different needs and budgets. In this Covermore travel insurance review, we will take a closer look at what the company has to offer and whether it is a good choice for your next trip.
Who is Covermore?
Covermore is a travel insurance company with a global presence, operating in over 22 countries around the world. The company was founded in Australia in 1986 and has since expanded its services to cater to the needs of travelers worldwide. Covermore is known for its comprehensive coverage, 24/7 assistance, and fast claims processing. It is also part of the Zurich Insurance Group, one of the largest insurance companies in the world.
Covermore Travel Insurance Policy Options
Covermore offers several travel insurance policies to suit different travel needs and budgets. Let’s take a closer look at each one:
1. Comprehensive Travel Insurance
The Comprehensive Travel Insurance is Covermore’s most popular policy option that provides extensive coverage for a range of travel-related risks. It includes unlimited overseas medical and hospital expenses, cancellation and amendment fees, luggage and personal effects, personal liability, and more. The policy also covers pre-existing medical conditions, provided that you meet the eligibility criteria.
2. Domestic Travel Insurance
The Domestic Travel Insurance is designed for those who are traveling within their home country. It includes coverage for cancellation and amendment fees, rental vehicle excess, luggage and personal effects, and personal liability. The policy also provides 24/7 assistance and emergency medical evacuation if needed.
3. Annual Multi-Trip Travel Insurance
The Annual Multi-Trip Travel Insurance is ideal for frequent travelers who take multiple trips in a year. It covers unlimited trips within a 12-month period, each with a maximum duration of 90 days. The policy includes coverage for overseas medical and hospital expenses, cancellation and amendment fees, luggage and personal effects, and more.
4. Inbound Travel Insurance
The Inbound Travel Insurance is designed for non-residents who are traveling to Australia. It includes coverage for overseas medical and hospital expenses, emergency dental, luggage and personal effects, rental vehicle excess, and more. The policy also covers pre-existing medical conditions, provided that you have disclosed them during the application process.
5. Non-Medical Travel Insurance
The Non-Medical Travel Insurance is a budget-friendly option that provides coverage for cancellation and amendment fees, luggage and personal effects, and personal liability. It does not include any medical coverage, so it is ideal for those who already have medical coverage through other means.
Covermore Travel Insurance Pros and Cons
Like any travel insurance provider, Covermore has its strengths and weaknesses. Here are some of the pros and cons based on our Covermore travel insurance review:
Pros:
- Comprehensive coverage for a range of travel-related risks
- Friendly and knowledgeable customer service
- Fast claims processing
- 24/7 assistance and emergency medical evacuation
- Option to add extra coverage for adventure activities, golf, and more
Cons:
- Some policies may have higher premiums compared to other providers
- Some exclusions may apply, such as for pre-existing medical conditions or acts of terrorism
- Some activities may not be covered by default and require extra coverage
- No coverage for pandemics or epidemics, such as COVID-19
How to Buy Covermore Travel Insurance
Buying Covermore travel insurance is easy and can be done online or over the phone. Here are the steps to follow:
- Visit the Covermore website and select the policy that best suits your travel needs and budget.
- Fill out the online application form and provide the necessary information, such as your travel dates, destination, and personal details.
- Review the policy details and exclusions to ensure that you understand what is covered and what is not.
- Pay for the policy using your preferred payment method, such as credit card or PayPal.
- Receive the policy documents via email and keep them handy during your trip.
Covermore Travel Insurance FAQs
| 1. Is Covermore travel insurance worth it? | Yes, Covermore travel insurance can provide comprehensive coverage for a range of travel-related risks, including medical emergencies, cancellations, and lost luggage. It can give you peace of mind and protect you from financial losses. |
| 2. What does Covermore travel insurance cover? | Covermore travel insurance can cover overseas medical and hospital expenses, cancellation and amendment fees, lost or stolen luggage, personal liability, rental vehicle excess, and more. The coverage may vary depending on the policy you choose. |
| 3. How do I make a claim with Covermore travel insurance? | To make a claim with Covermore travel insurance, you need to fill out the online claims form and provide the necessary documentation, such as medical reports or police reports. Claims are usually processed within 10 working days. |
| 4. Can I cancel my Covermore travel insurance policy? | Yes, you can cancel your Covermore travel insurance policy within the cooling-off period, which is usually 14 days from the date of purchase. You can also cancel your policy after the cooling-off period, but you may be charged a cancellation fee. |
| 5. Does Covermore travel insurance cover COVID-19? | No, Covermore travel insurance does not cover pandemics or epidemics, including COVID-19. However, it may cover medical expenses related to other conditions that are not related to COVID-19. |
Conclusion
Overall, Covermore travel insurance is a reliable and comprehensive option for protecting your travel investment. It offers a variety of policy options to suit different needs and budgets, and its customer service is friendly and efficient. However, like all travel insurance providers, it is important to read the policy details carefully and understand what is covered and what is not. At the end of the day, investing in travel insurance can give you peace of mind and allow you to enjoy your trip with confidence.