Cover-More promo codes and discount codes in November 2026
Get verified Cover-More coupons and the latest vouchers to help you save
I’ve been a Senior Editor with CupoNation Australia since 2022, where I make sure Cover-More’s offers are checked and updated three times a week. My focus is on verifying codes and ensuring Australians get access to genuine savings.
One tip I recommend is reading the list of adventure activities that are covered automatically before you add the Adventure Activities option. More than 80 activities are already included, so many travellers can skip the extra premium.
For more than 35 years, Cover-More has been helping travellers explore the world with confidence. As a leading travel insurance provider, they have given peace of mind to millions of people. Whether it is just for a quick weekend getaway, a family holiday, or a once-in-a-lifetime adventure.
Backed by Zurich Insurance Group, they combine international strength with local expertise. They are known for their comprehensive overseas medical coverage, options for pre-existing conditions, and even 24/7 assistance.
Securing peace of mind for your next overseas holiday or interstate cruise is an essential step in trip planning. You can explore comprehensive travel insurance packages and request a free quote online to find a policy that fits your budget. Coverage options and premiums vary based on destination, so check today.
Request a free quote for comprehensive annual multi-trip travel insurance at Cover-More. Protect all your international trips throughout the year.
Most of the saving on travel insurance happens before checkout, in the plan, trip type and options you choose. Paying for limits you'll never use can cost more than a discount gives back.
All three international plans include unlimited overseas medical cover, so the differences sit in the other benefits.
Luggage cover goes up to $5,000 on Basic, $15,000 on Comprehensive and $25,000 on Comprehensive+.
Cancellation Plus may be available as an option on Comprehensive and Comprehensive+, but not on Basic.
The Business Pack and Rental Vehicle Comprehensive Cover need Comprehensive+.
For a short trip with carry-on luggage and no hire car, Basic keeps the medical cover that matters most at the lowest level. Comprehensive+ only earns its higher price if you'll use those bigger limits.
Annual multi-trip policies are only sold on Comprehensive and Comprehensive+, and they cover trips for up to 12 months from the start date. Each trip has a maximum length shown on your Certificate of Insurance, so one long holiday can fall outside it. Domestic multi-trip cover applies to trips more than 250km from home, or closer ones with at least one night of paid accommodation.
If you travel two or more times a year, quote both options with your Cover-More promo code applied and pick the lower total. Based on our research, annual cover pays off for frequent short trips, while a single long trip often costs less on a single trip Basic plan.
On international plans you choose your excess when you quote. It's deducted once per event rather than per item, and based on our research a higher excess is the quickest way to bring the premium down. That trade makes sense when you'd only claim for bigger losses such as medical bills or a cancelled trip.
Snow Sports, Cruise Cover and Motorcycle/Moped Riding each add an extra premium. Cruise Cover is only needed for cruises with two or more nights at sea, so leave it off a land-only trip. A Cover-More coupon trims the premium you're quoted, but leaving off cover you won't use stops you paying for it in the first place.
Policies bought directly from Cover-More earn 3 Velocity Frequent Flyer Points for every $1 spent, on single trip and annual multi-trip cover. Add your Velocity number with your traveller details when you quote online, in the app or by phone. If you forget, call Customer Service within 90 days of buying to have it added.
Points are credited once your trip begins and can take up to 24 hours to show.
Policies bought through a travel agent don't earn points, and neither do Business policies.
Points can't be used to pay for a policy.
Because points only land after departure, a policy cancelled during the cooling-off period earns nothing. On a bigger premium, such as a family or annual policy, they're a useful top-up towards a reward flight, and buying direct is the only way to collect them.
Rental companies sell their own excess reduction at the counter, but your policy may already cover it. Comprehensive includes rental vehicle insurance excess cover up to $5,000 and Comprehensive+ up to $10,000, while Basic has none. Domestic Comprehensive and Comprehensive+ also cover up to $2,500 of the excess on your own car.
Before you pick up the car, look at the rental company's standard excess. If your plan's limit is at least as high, the counter product mostly duplicates what you've paid for. Based on our research, a trip with a hire car is the strongest reason to choose Comprehensive over Basic.
Your children or grandchildren can go on your policy if they're under 21, financially dependent on you, not in full-time work and named on the Certificate of Insurance. A single trip policy takes up to six of them and an annual multi-trip policy up to four.
That keeps the whole family on one premium and one Certificate of Insurance, rather than a separate policy for each child.
Afterpay is available on policies between $50 and $600, so you can split the cost into instalments without paying interest. Applying a Cover-More coupon at quote can bring a policy just over $600 back under the limit. It suits a family premium paid well before departure, but a missed instalment adds an Afterpay late fee that wipes out part of your saving.
Several pre-existing conditions are covered automatically, and they're listed in the Product Disclosure Statement. Others go through an online medical assessment when you buy, and an extra premium may apply if they're accepted.
Leaving a condition out to lower the premium is a false economy. A related claim can then be refused, and an overseas hospital bill costs far more than the extra premium would have.
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