Cover-More Insurance

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Cover-More Insurance is an Australian-based travel insurance and assistance provider offering travel insurance policies, medical assistance, and related services to leisure and corporate travelers.

North Sydney, New South Wales, Australia
covermore.com.au
Owned by Zurich Insurance Group

About Cover-More Insurance

Cover-More Insurance is an Australian-based travel insurance and assistance provider headquartered in North Sydney, NSW. They offer a wide range of travel insurance products for leisure travellers, frequent flyers, and corporate travellers, including single-trip policies, annual multi-trip cover, domestic and international plans, and optional extras such as rental car excess and adventure sports cover. Cover-More also provides 24/7 emergency medical and travel assistance through a global network of medical professionals and support teams, and their policies are commonly sold directly on covermore.com.au as well as through airlines, travel agents, and corporate travel managers.

A Cover-More Insurance charge may appear on your bank or credit card statement when you purchase a travel insurance policy online, over the phone, or as an add-on to a flight or holiday package. Common scenarios include a one-off premium for a single trip, an annual multi-trip policy that renews on a recurring basis, premium adjustments when you update your travel dates or destination, or charges for optional upgrades you selected (e.g., higher medical limits, winter sports, or rental car excess cover). In some cases, you may also see a temporary pre-authorisation or pending charge when you enter your card details, which your bank may display separately from the final settled premium.

If you don’t recognise a Cover-More Insurance charge, first check your email for a policy certificate or confirmation from Cover-More or from a partner such as your airline or travel agent—these documents will show the exact premium, dates of cover, and who is insured. You can verify and manage your policy by logging into or creating an account on covermore.com.au using the email address used at purchase, or by quoting your policy number to their customer service team via the contact details on your certificate. For billing concerns, gather your statement with the exact amount and date, plus any related booking references, then contact Cover-More to confirm whether the charge relates to a valid policy, request corrections, or discuss cancellation and refunds within the applicable cooling-off and policy conditions.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Cover-More Insurance.

  1. COVER MORE INS AUS V NORTH SYDNEY AU

Frequently Asked Questions

Why did I get a charge from Cover-More Insurance after booking flights or a holiday?

Cover-More partners with many airlines, travel agents, and online booking sites in Australia. If you selected travel insurance during checkout (often shown as "Travel insurance by Cover-More" or similar), the premium is processed as a separate charge by Cover-More Insurance rather than the airline or agent, which is why you see it as a distinct line on your statement.

What are typical amounts for a Cover-More Insurance charge?

Cover-More premiums vary based on destination, trip length, traveller age, and chosen cover level, so there is no single ‘standard’ amount. However, you’ll usually see one of two patterns: a single premium charge for a specific trip, or a larger charge once per year if you bought an annual multi-trip policy. The exact cost and any taxes or fees are itemised on your policy schedule and tax invoice sent to your email at purchase.

Does Cover-More have subscriptions or recurring payments that could explain ongoing charges?

Most Cover-More policies sold to Australian leisure travellers are one-off premiums that do not automatically renew. However, some annual multi-trip or corporate arrangements may be set up to renew each year or be billed periodically through a corporate or partner platform. If you see a repeat yearly charge around the same date and amount, check your documentation or online account for an annual policy that has renewed.

Why do I see both a pending and a completed Cover-More Insurance charge?

When you purchase insurance online, your bank may first show a temporary authorisation (or ‘pending’) charge to verify your card, followed by the final settled premium. In many cases the authorisation is automatically reversed within a few business days, but some banking apps display both transactions until the hold drops off. If you are ultimately debited twice for the same policy, contact Cover-More with screenshots so they can investigate and arrange a correction if needed.

How can I view my Cover-More policy and receipt to confirm what I was charged for?

After purchase, Cover-More emails a policy certificate and tax invoice to the email address you provided, often within a few minutes. You can also access your documents by visiting covermore.com.au, using the ‘Manage Policy’ or similar section, and logging in with your email and policy number or booking reference. If you can’t locate your documents, contact their support team with your name, travel dates, and the last four digits of the card charged so they can look up the policy.

How do I cancel my Cover-More Insurance policy and will I get a refund?

Australian policies generally include a cooling-off period (commonly around 14 days from purchase) during which you may cancel for a full refund, provided your trip has not started and you have not made a claim—check your Product Disclosure Statement (PDS) for the exact conditions. To request cancellation, contact Cover-More via the phone number or email listed on your policy or use the contact options on covermore.com.au, and have your policy number ready. After the cooling-off period or once travel has commenced, refunds may be limited or unavailable except in specific circumstances set out in the policy wording.

How do I contact Cover-More about an unrecognised or incorrect charge?

Use the customer service details provided on your policy schedule or visit covermore.com.au and go to the ‘Contact Us’ or ‘Customer Support’ section for the latest phone numbers and online forms. When you contact them, provide the date and exact amount of the charge, the name on the card, and any likely booking references (for example from your airline or travel agent). They can confirm whether the charge matches an existing policy, correct billing errors, or advise you on next steps if the charge is not theirs.

The name on the policy isn’t mine, but the card charge is from Cover-More. What should I do?

Travel policies are often purchased on behalf of family members or travelling companions, so the insured names on the certificate may differ from the cardholder. First, check whether a partner, child, or colleague used your card with permission to buy travel insurance. If no one you know recognises the purchase, contact Cover-More with the transaction details so they can check for possible mis-keyed card numbers or fraudulent use, and then follow your bank’s dispute process if necessary.

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