Question 1

I’m going overseas for over a year, will you cover me?

Accepted Answer

Yes, in most cases they can. Cover-More Travel Insurance policies can provide cover for a maximum of 12 months in an Area 1 destination (Americas/Africa), and a maximum of 18 months for all other destinations.
Cover commences at the time you leave your home and ceases at the time you return to your home.

Question 2

How many accompanied children are allowed to travel on a policy?

Accepted Answer

There is no limit to the number of accompanying children on their leisure and business policies, as long as they are your own children or grandchildren and they have the same itinerary as yourself.
Accompanying children are defined as your own children or grandchildren, who are identified on the certificate of insurance, travelling with you on the journey, under 21 years of age, financially dependent on you and not in full-time employment.
Policies relating to Domestic Cancellation and Amendments are on a per traveller basis, children are not automatically included on the policy.
For Corporate Plans, 6 accompanying children can travel on the Corporate policy as long as they are travelling with the policyholder.

Question 3

Can I get a refund if I cancel my policy?

Accepted Answer

If you want to cancel your policy, you will receive a full refund of your premium provided your policy is still within the 15-business day cooling-off period, you have not already travelled, and you are not making a claim on your policy. Please contact their Customer Service team or via the Live Chat feature on their website.
In order to cancel a policy, you must be the policyholder and you will need to provide your policy number to their team. If you purchased your policy from their website, any refunds will be paid onto the card used for purchase. Refunds take approximately 3 to 5 business days to process. If you purchased your policy through a Travel Agent, please contact your agent directly.
If you do intend to make a claim on your policy, or you have already travelled, you will not be able to get a refund on the policy.

Question 4

What if a large event happens overseas?

Accepted Answer

For many large-scale events (e.g. terrorist attacks, major weather events, etc.) that occur around the world, they will prepare specific advice and publish this on their website. This advice will give you an understanding of the event and exactly what you have cover for in relation to it. All of their advice can be found on their Travel Alerts page.
If they do not have advice on a specific event you want to know about, please contact their Customer Service team or via the Live Chat feature on their website to chat directly with their Customer Service team.

Question 5

Are there any policy restrictions relating to coverage of dental expenses overseas?

Accepted Answer

Cover More policies can contain a provision for Emergency Dental Treatment you incur overseas. Expenses related to routine dental treatments are not covered. There is no provision for dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue, involving the use of precious metals, or involving cosmetic dentistry.

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