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Get a Travel Insurance Quote

  • 1. Where are you going? ?

    Areas of travel
    We need you to tell us your destination(s). Select from the list of countries and areas when you get a quote. Where you travel will influence your premium.

    Guide to entering/selecting your destination
    Where are you travelling to?

    • Enter or select every country you will be travelling to wherever possible.

    • For each country you select, cover for travel to all other countries within that region is also included regardless of whether the countries are selected or not.

    Stopping over somewhere?

    • If you are stopping in a country for less than 72 hours, you do not need to enter or select that country.

    What to do if you do not know every single country you will be travelling to

    • If you are not sure of all your destinations, select a region instead – cover then applies for travel to all countries within that region. You can also select Worldwide.

    • If you are travelling inbound to Australia, you can only select Inbound, Single Trip option.

    What about a cruise?

    • In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) – Please choose or enter “Australia” for a Domestic policy

    • From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a ‘Sampler Cruise’, a cruise from Sydney to Brisbane) - these cruises go outside of Australian Coastal Waters – Please choose or enter “Domestic Cruising” for an International policy

    • Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) – Please choose or enter the main area or destination/country based on where you will spend the most time on your trip for an International policy.

  • 2. When is your trip?

    Enter the date you leave home and arrive home. Consider time differences/zones and travel times.

  • 3. Age of travellers?

    Enter the age of each person today, including children.

    Age of travellers
  • 4. Are all travellers currently living in Australia, and:

    • are they Australian citizens with a valid Australian Medicare card, or

    • do they hold a visa allowing them to live, work or study in Australia?

    If any traveller has already left their home in Australia and are on their trip this cover is subject to a 3 day no-cover period. This means there is no cover under any section for any event that has occurred already or that arises within the first 3 days of buying the policy.

    All travellers live in AustraliaHelp
  • 5. Do you have a promo code?

Limited cover for COVID-19. Further terms and conditions apply, including:

  • If your departure date is within 21 days of the date you buy your policy we will only cover the travel costs that you paid:

    ○  in the 48 hour period before buying your policy; and

    ○  after buying this policy.

  • Cancellation or amendment costs cover: Sub-limits apply with cover only available on some plans.

  • Additional expenses cover: Sub-limits may apply

  • A special excess will apply to SECTION 2: Additional Expenses if You are diagnosed with COVID-19 on Your trip and to SECTION 3: Amendment or Cancellation Costs if You or Your travelling companion are diagnosed with COVID-19 on Your trip. If Your claim is under both sections, the higher special excess will be deducted. The special excess will be deducted in addition to any other excess.

  • There is no COVID-19 related cover:

    ○  for travel to a country subject to a 'do not travel' advice on http://smartraveller.gov.au at the time you enter that country

    ○  where a government authority closure, quarantine or isolation order is imposed on cross area, border, region or territory travel e.g. border closures or travel bans.

Select the cover that suits you

This quote is calculated on pre-selected options which may not meet your needs. Consider all the options and select the cover options that suit your needs.

Check travel advisories

Before purchasing travel insurance, and while you're travelling, check our travel alerts and advisories for your intended destination(s).

We don't cover events or circumstances you know about, or ought to know about, at the time of buying this travel insurance.

Your duty to take reasonable care

You have a duty to take reasonable care not to make a misrepresentation when entering into this contract of insurance. It's important you understand you're answering our questions for yourself and anyone else that you want to be covered by the contract and that the insurance we offer is based on your answers. When you answer the questions you must take reasonable care to give a true and accurate answer and fully answer the question.

If you do make a misrepresentation to us, we may cancel Your contract or reduce the amount we will pay you if you make a claim, or both. If you make a fraudulent misrepresentation to us, we may refuse to pay a claim and treat the contract as if it never existed.

 

By continuing, you acknowledge and understand the above.

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Purchase travel insurance for peace of mind

Travel with peace of mind and security to avoid the unexpected. Purchase your single or family travel insurance online today and save with great rates from Flight Centre and Cover More. Need help to purchase or prefer to book by phone? Simply call one of our specialist travel consultants on 133 133.

Travelling abroad? Get cover!

  • 24/7 medical assistance
  • Rental car excess insurance
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Frequently Asked Questions

If I cancel my policy before travelling, can I get a refund?

If for some reason you change your mind about your insurance purchase, Cover-More policies give you peace of mind by offering a 'cooling off period' of 21 days. During this time, you can obtain a full refund (if you haven't made a claim and your departure date has not passed). If you need to cancel your policy, please phone Flight Centre on 133 133.

When is the best time to buy your travel insurance policy?

A policy can be purchased anytime leading up to your departure date, but it’s a good idea to consider purchasing your policy at the time your trip is booked. Cover-More policies include an option to add cover for cancellation costs on most of their plans and cover starts from the time the policy is purchased.

How do I choose the right policy?

When buying any insurance policy, you should always carefully consider the Product Disclosure Statement (PDS) to see if the cover is right for you. The PDS gives 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 in the PDS include:

  • Benefit sub-limits
  • Policy conditions
  • Exclusions
  • Excess
What will I be covered for?

With the level and type of cover varying between policies, it’s important to understand every level of travel insurance cover is different. You should carefully consider the Product Disclosure Statement before deciding if the policy provides the coverage you need.

Cover-More Your Cover policy inclusions:

Overseas medical and dental expenses

If you get sick or injured overseas, Cover-More includes unlimited~ cover for your overseas treatment costs, including those incurred by overseas doctors, hospitals, ambulances and medications. 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.

Additional expenses

Cover for unexpected travel costs if:

  • A doctor says you’re too sick to continue travelling
  • You need to return home because a relative in Australia suddenly falls ill
  • Your transport is disrupted due to a strike, riot or civil commotion

Amendment or cancellation costs

Cover for trip amendments or cancellation if an unexpected event occurs, such as:

  • You’re sick or injured and can no longer travel
  • A relative in Australia is sick
  • Involuntarily redundancy: if your full-time or permanent part-time job is made redundant unexpectedly

Luggage and travel documents

Cover is included for lost, stolen or damaged personal belongings, including:

  • Cameras and video cameras
  • Laptop computers
  • Tablet computers
  • Mobile and smart phones
  • Other items

Delayed luggage allowance

If your luggage is delayed for more than 12 hours, there’s cover provided for clothing and toiletries.

This is available on International Plus and Inbound plans as standard, and can be purchased as add-ons with the International Essentials plans. (Sub-limits apply.)

Rental car insurance excess

If your rental car is stolen or damaged, cover is provided for the insurance excess you’re required to pay.

This is included on International Plus, Inbound, and Domestic plans. It can be purchased on the International Essentials plan as an add-on.

What do I do if I have an existing medical condition?

It’s important to know that some medical conditions are classified as existing medical conditions and may not be covered by our base policy, even if they occurred years ago or you feel in good health now.

If you aren’t sure or answer yes to any of the below, talk to your travel consultant or call Cover-More on 1300 72 88 22 before you go to ensure you’re protected and can keep travelling.

  • Do you take any medications for anything, prescribed or otherwise?
  • Have you ever been in a hospital for an illness, injury, treatment or surgical procedure?
  • Do you see a medical practitioner or specialist for reviews or check-ups at any time?

It is important to note that some medical conditions will be approved and included, while others may attract an additional premium.

What happens if things go wrong?

If something goes wrong in a foreign country, your experience may be very confusing, complex and costly. Because of this, always check whether your travel insurance policy gives you access to a 24-hour emergency assistance team so help is there when you need it. Whether you become seriously ill and need to be hospitalised 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, so you’re never alone in your moment of need.

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Limits, sub-limits, conditions and exclusions apply. Flight Centre is an Authorised Representative of Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) who administers insurance on behalf of the product issuer, 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.

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