Travel Insurance
with Policy Direct ✓

Travel insurance is designed to provide cover for specified unexpected events associated with a trip. Depending on the policy, benefits can include eligible medical expenses overseas, cancellation or amendment costs, luggage and additional travel expenses. Limits, exclusions and conditions apply.

You can consider buying travel insurance after you have started committing money to your trip. The timing of cover differs by benefit, so check the PDS and Certificate of Insurance to understand when each part of your cover starts.

Cover-More international travel insurance can include benefits for eligible overseas medical expenses. The amount and circumstances covered depend on the plan selected and the applicable terms, limits and exclusions.

Yes. Cover-More offers domestic travel insurance for Australian residents travelling within Australia. Depending on the plan, benefits may include eligible cancellation or amendment costs, luggage, additional expenses and rental vehicle insurance excess.

A single-trip policy is for a particular journey. An annual multi-trip policy is designed for multiple eligible trips during a 12-month policy period, with a maximum duration applying to each individual trip.

No. Cover-More's annual multi-trip policies are designed for multiple separate trips rather than one continuous 12-month journey. You must return home between trips and comply with the maximum trip duration selected.

Cover-More offers Cruise Cover for relevant sea or ocean cruises. Cruise Cover is not automatically included in all policies and an additional premium may apply. The type of cruise and itinerary can affect what cover is required.

Some existing medical conditions may be automatically included if the PDS criteria are met. Other conditions may need to be declared and assessed during the quote process. If accepted, an additional premium may apply.

Cover may be available during pregnancy, but restrictions and assessment requirements can apply. For example, certain pregnancy complications, multiple pregnancies or medically assisted conception may require an online health assessment. Check the PDS before travelling.

Cover-More offers optional Snow Sports Cover for an additional premium. Different levels are available and exclusions apply, so select the appropriate option during the quote process and review the PDS.

Some activities may be included while others may require optional Adventure Activities Cover. If your trip involves higher-risk activities, check the activity and policy requirements before purchasing.

Cover-More offers optional Motorcycle/Moped Riding Cover for an additional premium. Eligibility, licence, engine and other requirements may apply. Review the relevant section of the PDS before relying on this cover.

Selected Cover-More plans can include luggage benefits. Item limits, depreciation, exclusions, security requirements and supporting evidence can affect a claim, so check the PDS for the plan you select.

Depending on the policy and options selected, cover may be available for eligible amendment or cancellation costs arising from specified unforeseen circumstances. Not every reason for cancelling a trip is covered.

Not currently. Policy Direct presently provides access to Cover-More travel insurance through this Travel Insurance section. Additional providers may be added in the future.