Is Covermore Travel Insurance Good ?

In this blog we will find out Is Covermore Travel Insurance Good?

In the vast and often unpredictable ocean of life’s adventures, travel insurance emerges as a beacon of security, guiding voyagers through unforeseen storms and unseen hazards. Among the myriad of options available, Cover-More Travel Insurance stands out as a lighthouse, offering solace and safety to those seeking to explore the world. But what makes Cover-More not just another name in the realm of travel insurance? Let’s embark on a journey to uncover the essence of Cover-More and why it’s becoming an essential companion for today’s travelers.

What is Covermore Travel Insurance?

Cover-More Travel Insurance represents a cornerstone of travel preparedness, providing comprehensive protection to travelers across the globe. Founded on principles of reliability, flexibility, and comprehensive coverage, Cover-More stands as a guardian for those seeking to explore the world without the burden of worry.

Key Points:

1. Wide-Ranging Coverage Options:

Cover-More offers a variety of plans tailored to meet the diverse needs of travelers. From trip cancellation and medical emergencies to lost luggage and travel delays, their policies are designed to address the most common—and uncommon—travel concerns. This extensive coverage is pivotal for understanding why Cover-More is considered a top-tier provider in travel insurance; it demonstrates their commitment to offering solutions that genuinely meet traveler needs.

2. Global Assistance Network:

Perhaps the most defining aspect of Cover-More Travel Insurance is its global assistance network. This network ensures that, no matter where you are in the world, help is just a phone call away. The availability of 24/7 emergency assistance speaks volumes about Cover-More’s dedication to their clients’ safety and well-being, reinforcing why their travel insurance is highly regarded.

3.Innovation and Customer Focus:

Cover-More continuously evolves to meet the changing needs of travelers. Their adoption of technology to streamline claims processing and enhance customer service is a testament to their forward-thinking approach. This innovation, combined with a deep understanding of travelers’ needs, cements Cover-More’s reputation for excellence in the travel insurance sector.

Why Consider Travel Insurance?

Travel, an enticing blend of exploration and excitement, carries with it a spectrum of unforeseen risks—from minor inconveniences like luggage delays to major crises like medical emergencies abroad. In this dynamic landscape, travel insurance acts not just as a safety net but as a passport to peace of mind. Cover-More, with its comprehensive coverage options, positions itself as a tailored solution to the myriad uncertainties of travel, offering protection that is as diverse as the needs of modern explorers.

What Sets Cover-More Apart?

Comprehensive Coverage for Diverse Needs

Cover-More understands that no two journeys are the same, offering plans that range from basic to extensive, ensuring there’s a perfect fit for every type of traveler. Whether you’re a solo adventurer, a family on vacation, or a business traveler, Cover-More’s plans are designed to cater to your specific needs.

Flexibility at Your Fingertips

The beauty of Cover-More lies in its adaptability. Plans can be customized with add-ons like winter sports coverage or increased rental car excess, allowing travelers to build their ideal safety net. This flexibility ensures that you’re paying only for the coverage you need, nothing more, nothing less.

Assistance Around the Globe

One of the pillars of Cover-More’s reputation is its robust global assistance network. Emergencies don’t operate on a 9-to-5 schedule, which is why Cover-More offers 24/7 emergency assistance anywhere in the world. Their team of experts is always just a phone call away, ready to help navigate medical crises, lost passports, or legal troubles abroad.

What coverage does Covermore Travel Insurance offer?

Cover-More Travel Insurance provides a broad range of coverage options designed to meet the diverse needs of travelers, ensuring they are protected against a variety of unforeseen circumstances. The specifics of coverage can vary depending on the plan you choose and your country of residence, but generally, Cover-More offers the following types of coverage:

1. Medical and Dental Expenses
  • Overseas Medical and Dental: Coverage for unexpected medical and dental expenses incurred while traveling abroad.
  • Additional Expenses: Reimbursement for additional accommodation and travel expenses due to a covered medical emergency.
2. Cancellation and Amendment Fees
  • Coverage for non-refundable expenses if your trip is cancelled or cut short due to covered events like illness, accidents, or natural disasters.
3. Luggage and Personal Effects
  • Compensation for lost, stolen, or damaged luggage and personal items, including travel documents and credit cards.
4. Travel Delays and Missed Connections
  • Compensation for additional accommodation and meal expenses if your journey is delayed for a specified amount of time.
  • Coverage for costs incurred to catch up to your travel itinerary if you miss a connection due to circumstances like bad weather or mechanical breakdowns.
5. Rental Car Excess
  • Coverage for the excess payable on rental car insurance if the car is stolen, damaged, or involved in a collision.
6. Personal Liability
  • Protection against legal liability if you accidentally injure someone or damage their property while traveling.
7. Adventure Sports and Activities
  • Some plans may offer optional coverage for adventure sports and activities not typically covered by standard travel insurance, such as skiing, scuba diving, and hiking.
8. 24/7 Global Assistance
  • Access to a global network of medical and travel assistance services, available 24/7 to help with emergencies, advice, and coordination of medical care and evacuations.
Additional Benefits and Coverage Options
  • Some policies may offer additional benefits like coverage for hospital cash allowance, permanent disability, accidental death, and more.
  • Cover-More often allows travelers to customize their policies with add-ons or increased coverage limits for specific items or scenarios.

How does Covermore Travel Insurance compare to other travel insurance providers?

When evaluating Cover-More Travel Insurance in comparison to other leading travel insurance providers, it’s important to consider several critical factors that most travelers prioritize: coverage options, pricing, customer service, and overall reputation. While specific details can vary by country and individual policy terms, a general comparative analysis can offer valuable insights.

Coverage Options

Cover-More offers a comprehensive range of coverages, including medical and dental, cancellation fees, luggage and personal effects, travel delays, rental car excess, and personal liability. They stand out for their flexible plans and customizable add-ons, such as adventure sports coverage.

Competitors like World Nomads, Allianz Travel Insurance, and Travelex also provide a broad array of coverages, often including similar core benefits. World Nomads is renowned for catering to adventurous travelers with extensive coverage for a wide range of adventure activities. Allianz and Travelex offer tiered plans that range from basic to comprehensive, catering to different budgets and needs.


Cover-More‘s pricing is competitive, particularly when considering the comprehensive nature of their coverage and the ability to tailor policies to individual needs. However, pricing can be higher for certain add-ons or higher coverage limits.

Competitors such as World Nomads and Travelex tend to have variable pricing, which can be influenced by the level of coverage selected, the traveler’s destination, duration of the trip, and the traveler’s age. Allianz generally offers competitive rates for their coverage levels, often making it a cost-effective option for travelers looking for essential coverage.

Customer Service

Cover-More is known for its strong customer service, including a 24/7 global assistance network. Customers often highlight the responsiveness and helpfulness of their support in emergencies.

Competitors like World Nomads and Allianz also emphasize their customer support, offering 24/7 assistance hotlines. The quality of service can vary, but overall, these companies have positive reputations for supporting travelers in need. Travelex is similarly recognized for its customer service, particularly in handling claims efficiently.

Overall Reputation

Cover-More has a solid reputation in the travel insurance market, known for its comprehensive coverage and customer-first approach. They have a strong presence in several countries, with positive reviews highlighting their reliable claims process and supportive customer service.


  • World Nomads is highly regarded among backpackers and adventure travelers for its extensive activity coverage and global support network.
  • Allianz Travel Insurance is recognized for its financial strength and wide range of plans, appealing to a broad audience, including business and leisure travelers.
  • Travelex is often praised for its straightforward coverage options and ease of purchasing and claiming, making it a favorite among families and casual travelers.

What are the benefits of choosing Covermore Travel Insurance?

Choosing Cover-More Travel Insurance provides several benefits, catering to a wide range of travelers’ needs with its focus on comprehensive coverage, flexibility, and customer support. Here’s a closer look at the key advantages of opting for Cover-More as your travel insurance provider:

1. Comprehensive Coverage Options

Cover-More offers an extensive array of coverage options, ensuring that travelers can find a plan that suits their specific needs. From essential coverage like medical and dental emergencies to more specialized protections like adventure sports and activities, Cover-More has policies that cater to almost every type of travel. This broad coverage spectrum allows travelers to feel secure, knowing they are protected against a wide range of potential issues.

2. Customizable Plans

One of the standout features of Cover-More is the ability to customize plans with various add-ons and increased coverage limits. This flexibility ensures that travelers pay only for the coverage they need, without unnecessary extras inflating the cost. Whether you’re skiing in the Alps, cruising the Mediterranean, or exploring the urban landscapes of Tokyo, you can tailor your insurance to fit your adventure.

3. 24/7 Global Assistance

Cover-More provides around-the-clock global assistance to its policyholders, offering peace of mind that help is available anytime, anywhere. This service includes access to medical professionals for emergencies, assistance with lost passports or travel documents, and support during travel disruptions. Having a reliable support network at your fingertips can make all the difference during unexpected situations abroad.

4. Streamlined Claims Process

Policyholders often praise Cover-More for its efficient and user-friendly claims process. The company utilizes technology to simplify filing claims, making it easier for travelers to submit their documents and receive timely responses. This focus on minimizing hassle during stressful times is a significant advantage for travelers who may already be dealing with the complexities of a problem abroad.

5. Strong Reputation and Reliability

Cover-More has established a solid reputation in the travel insurance industry for its reliability and commitment to customer satisfaction. With decades of experience, Cover-More has earned the trust of travelers worldwide, backed by positive customer reviews and a history of responsive service during crises.

6. Coverage for Pre-existing Medical Conditions

Unlike some insurers, Cover-More offers the possibility of covering certain pre-existing medical conditions, subject to assessment and approval. This inclusivity allows travelers with existing health issues to enjoy their travels with an added layer of security.

7. Innovative Technology

Cover-More invests in technology to enhance the customer experience, from the ease of purchasing policies online to the convenience of managing claims through digital platforms. This commitment to innovation reflects the company’s focus on meeting modern travelers’ needs.

Are there any limitations or exclusions with Covermore Travel Insurance?

Like all travel insurance providers, Cover-More Travel Insurance has certain limitations and exclusions in its policies. These are designed to clearly outline the scope of coverage and ensure policyholders understand what is and isn’t covered under their chosen plan. It’s crucial for travelers to review these details closely to avoid surprises in the event of a claim. While specific exclusions and limitations can vary depending on the policy and the country in which it’s purchased, here are some common ones that tend to appear across many travel insurance policies, including those offered by Cover-More:

Pre-existing Medical Conditions
  • Exclusions may apply to pre-existing medical conditions unless they have been declared and covered by the policy. Cover-More does offer coverage for some pre-existing conditions, but this is subject to assessment and additional charges.
Adventure and Extreme Sports
  • Activities deemed high risk may not be covered unless specific coverage is purchased. For example, sports like skydiving, scuba diving beyond certain depths, or mountaineering might require additional coverage.
Alcohol and Drug Influence
  • Claims related to the use of alcohol or drugs are typically excluded. This means if an incident occurs while you’re under the influence, you may not be covered.
Unattended Belongings
  • Loss or theft of unattended belongings may not be covered. Travelers are expected to take reasonable care of their possessions.
Travel to High-Risk Destinations
  • Travel warnings and advisories: Trips to destinations with a travel advisory warning from the government may not be covered, especially if the travel advisory was issued before the trip was booked.
Limited Coverage for Valuables
  • High-value items such as expensive electronics, jewelry, or equipment may have limited coverage, with caps on reimbursement amounts. Specific high-value items may require additional coverage or may not be fully covered.
Natural Disasters and Terrorism
  • Events known prior to policy purchase: If a natural disaster, terrorist attack, or similar event has already been forecasted or occurred before you bought your insurance, related claims may be excluded.
Duration of Travel
  • Extended trips: There may be limitations on the length of coverage for extended travels. Long-term travelers may need to seek specialized policies.
Age Limits
  • Age restrictions: Some policies have age limits for eligibility, which can affect coverage availability, especially for older travelers.
Policy Non-renewal
  • Extensions and renewals may be subject to approval and cannot always be guaranteed. Travelers wishing to extend their trip need to check their policy conditions and contact Cover-More in advance.

How is the claims process with Covermore Travel Insurance?

The claims process with Cover-More Travel Insurance is designed to be as straightforward and stress-free as possible, allowing policyholders to focus on their recovery or continuing their travels with minimal disruption. While specific procedures can vary slightly depending on the country and the nature of the claim, here’s a general overview of the steps involved in filing a claim with Cover-More:

Step 1: Notification

Notify Cover-More as soon as possible after an incident occurs. This can typically be done via their website, customer service hotline, or, in some cases, through a mobile app. Immediate notification is crucial, especially for medical emergencies or if you require assistance services.

Step 2: Documentation

Gather all necessary documentation. Depending on the nature of your claim, you may need to provide various forms of documentation to support your claim. This could include medical reports, police reports (in the case of theft, loss, or accident), receipts for expenses, proof of travel delays, or documentation of trip cancellation reasons. Cover-More’s claims department or assistance service can advise you on the specific documents required.

Step 3: Submit Your Claim

Complete the claims form and submit it along with your documentation. Cover-More typically offers an online claims submission process, which is convenient and speeds up the review process. Ensure that all information provided is accurate and complete to avoid delays.

Step 4: Claim Assessment

The claim is assessed. Once your claim and all necessary documentation have been received, Cover-More will assess your claim based on the policy terms and conditions. They may contact you for additional information or clarification during this process.

Step 5: Resolution

Claim resolution. After the assessment, Cover-More will inform you of the outcome. If your claim is approved, they will arrange for the payment of your claim in accordance with your policy benefits. The time frame for payment can vary, but Cover-More aims to process claims promptly.

Tips for a Smooth Claims Process:
  • Report any theft or loss to the local authorities within 24 hours and obtain a written report, which is often required for claims related to theft or loss.
  • Keep all original receipts and documentation related to your claim, as they will be required as proof of your loss or expenses.
  • Review your policy details before submitting a claim to ensure that your situation is covered and that you understand any deductibles that may apply.
  • Be thorough and clear when completing your claims form to avoid any misunderstandings or delays.

Cover-More is known for its customer-centric approach, striving to make the claims process as efficient and hassle-free as possible. They offer support throughout the process, ensuring that travelers receive the guidance and assistance they need during what can be a stressful time. Policyholders are encouraged to contact Cover-More directly with any questions or concerns about the claims process or their specific situation.


Cover-More Travel Insurance emerges as a good choice for travelers seeking comprehensive, flexible, and reliable travel insurance coverage. Its strengths in customizable plans, global assistance, customer service, and inclusivity of pre-existing conditions align well with the needs of a diverse range of travelers. While it’s important for potential policyholders to carefully review policy details and compare options, Cover-More’s offerings provide a solid foundation for those looking to protect their travel investments and well-being while exploring the world.

As with any insurance decision, individual needs and circumstances will dictate the best choice, but for those prioritizing comprehensive coverage, flexibility, and reliable support, Cover-More Travel Insurance is certainly worth considering.