A CoverMore promo code is one of the easiest ways to save on travel insurance from one of Australia’s most trusted providers – backed by Zurich Insurance Group and relied on by over 15 million travellers every year.
Whether you’re heading overseas on a single trip, planning multiple getaways with an Annual Multi-Trip policy, or looking to earn Velocity Points on your purchase, CoverMore has a plan built for you. Before you pay full price, check our verified CoverMore promo codes below and save on your next policy today.
Cover-More is worth it for most Australian travellers, especially frequent flyers chasing Velocity Points.
Latest CoverMore Promo Codes & Deals – September 2026
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How to Use a CoverMore Promo Code
- Head to the CoverMore website and click Get a Quote
- Enter your trip details – destination, travel dates, number of travellers, and age of the oldest traveller
- Select your plan – choose from Essentials, Comprehensive, or Annual Multi-Trip depending on your trip
- Add any optional extras you need such as cruise cover, ski cover, or adventure activities
- On the payment summary page, look for the promo code or discount code field
- Enter your CoverMore promo code and click Apply
- Confirm the discount has been applied to your total before proceeding
- If you’re a Velocity member, enter your Velocity Frequent Flyer number at checkout to earn 3 points per $1 spent
- Complete your purchase and your policy documents will be emailed to you
How Much Can You Save with CoverMore?
Example: Using a 40yo male travelling to Bali from 1-8th June 2026, we can see:
| International Basic | International Comprehensive | International Comprehensive + | |
|---|---|---|---|
| Premium / (Premium with 15% discount) | $87 ($74) | $104 ($89) | $134 ($114) |
| Excess | $250 | $250 | $250 |
The above table only provides a snapshot of the cover and options, but it serves to illustrate that if you travel light and carry cheap items that you’re not so worried about losing, you’ll save a lot. However, the moment you start riding mopeds or scooters or sign up for action sports, you can easily blow your premium out well beyond $200. The prices reflected here are pre-questionnaire on your activites, so prices only go up from here.
Cover-More Comprehensive Travel Insurance
Comprehensive is Cover-More’s mid-tier plan and the one most Australians should start their comparison with. It covers the essentials a Basic policy leaves out: cancellation and disruption cover, luggage and personal effects, and unlimited overseas emergency medical expenses, alongside 24/7 emergency assistance wherever you are in the world. For travellers who want more than bare-bones medical cover but aren’t ready to pay for the top-tier Comprehensive+ plan, this is the sweet spot: broader protection at a more moderate premium, with the option to add cruise, ski or adventure activity cover if your trip calls for it. As with any policy, check the PDS for exact sub-limits and exclusions before you buy, since cover levels can shift year to year.
Best Ways to Save with CoverMore
- Use discount codes and promotions – Start and finish with our website for working promo codes 🙂
- Pick a plan that matches your trip – Don’t pick a default plan such as “Comprehensive” – do research and assess what you really need insurance for.
- Frequent travellers should use an Annual Multi-Trip policy – This type of policy will work out to be far cheaper than buying insurance for individual trips.
- Align your travel dates and requirements with policy dates.
Travel Insurance
15M+ travellers covered. Zurich-backed. Velocity Points earned.
CoverMore has protected Australians since 1986 – and earns you 3 Velocity Points per $1 spent. Unlimited emergency medical cover included.
What is CoverMore?
CoverMore Travel Insurance is a global travel insurance provider that has protected travellers since 1986. Over 15 million travellers trust them annually to protect their trips. They help safeguard travellers from the unexpected, and provide support when medical, travel or security emergencies arise, before, during and after travel.
Rated on Trustpilot and ProductReview.com.au – see what real customers say before you buy.
Coverage Options
The three most popular coverage options available with CoverMore are:
- single trip travel insurance
- annual multi-trip insurance
- inbound traveller insurance
Single-trip insurance covers Australian residents travelling internationally and within Australia on single trips only, while Annual multi-trip insurance covers Australian residents for any number of trips (up to a maximum duration) within a 12-month period.
Inbound insurance covers non-Australian residents travelling to and within Australia on single trips only.
Cover-More Cruise Insurance
Cover-More’s cruise add-on covers cabin confinement, missed port departures, itinerary changes and emergency medical evacuation at sea, on top of your standard policy. Worth adding if any part of your trip is by ship, even a single leg.
Cover-More Travel Insurance for Seniors
Cover-More doesn’t run a separate “seniors” product, but travellers up to 99 years of age can still be covered, subject to acceptance criteria based on age, destination and trip duration at the time of purchase.
What Other Insurance does CoverMore Provide?
CoverMore also provides several other insurances that are more bespoke and subject to more detail being provided than their more general insurances. These ski & snowboard insurance, motorcycle & moped insurance and adventure activities insurance.
Earn Velocity Points with CoverMore Travel Insurance
Earn 3 Points per $1 spent, and receive reassurance with travel insurance, and emergency medical assistance. Silver, Gold and Platinum members earn a 50%, 75% and 100% Bonus Points respectively on top of the base Points earned when booking.
To earn points on your insurance policy:
- Sign up to the Velocity Frequent Flyer Program.
- Get a travel insurance quote directly from the website or over the phone.
- Include your Velocity membership number at the checkout.
- Finalise your CoverMore travel insurance.
Velocity Points are available when you purchase a Single Trip or Annual Multi-Trip plans. To be eligible, you must purchase from www.covermore.com.au or via the telephone sales team on 1300 72 88 22.
Use the CoverMore App
The CoverMore App is available in the Apple App store or on Google Play. Download it to view your policy details, local tips & risk advice, real-time safety alerts and 24/7 emergency assistance.
How to Make a Cover-More Claim
Lodge a claim online via the Cover-More app or website, or call their claims line directly. Have your policy number, receipts and any supporting documents (medical reports, police reports, proof of purchase) ready – most straightforward claims are assessed within a few weeks. The CoverMore PDS can be found here.
Is CoverMore Worth It in 2026?
CoverMore, as is travel insurance in general is worth it. The higher quality plans, tend to provide good coverage for value and it is likely that more Seniors and those with pre-existing conditions will be able to obtain cover than via other insurers – provided they’re willing to pay for it.
How CoverMore Promo Codes Work / Why Your Code Might Not Work
A travel insurance policy can’t discriminate based on age, sex, race etc. but may only apply for certain level policies or operate for a limited time.
Most of the codes you’ll click on in TCM Deals will automatically apply, but if you’re having trouble applying the promo code, check your cookies and cache settings on your computer.
Travel Insurance
15M+ travellers covered. Zurich-backed. Velocity Points earned.
CoverMore has protected Australians since 1986 – and earns you 3 Velocity Points per $1 spent. Unlimited emergency medical cover included.
Final Thoughts: Best CoverMore Deals Right Now
CoverMore has been protecting Australian travellers since 1986 – and with over 15 million travellers trusting them every year, it’s the household name in Australian travel insurance for good reason. Backed by Zurich Insurance Group and the only insurer where you can earn Velocity Points on your policy, it’s hard to look past. Use a verified CoverMore promo code today and get covered for less before your next trip.
Compare Other Travel Insurers
Cover, excess and price all vary between insurers — it’s worth comparing more than one before you book. See our full travel insurance deals page for every provider we cover.
Frequently Asked Questions
Who underwrites CoverMore insurance?
CoverMore is underwritten by the Zurich Insurance Group, whom they joined in 2017 – one of the world’s leading multi-line insurers.
Can I get insurance from CoverMore for existing medical conditions?
Yes, many existing medical conditions (EMCs) may be automatically included or assessed and if approved, included in the policy upon payment of an extra premium.
Can I earn frequent flyer points with a CoverMore promo code?
For every $1 you spend with CoverMore, you can earn 3 Velocity Points, that can be used with Virgin Australia and other members of the Star Alliance program. You can redeem your Velocity Points for flights, upgrades, car hire, accommodation and at a whole host of shops.
Does CoverMore provide 24/7 Emergency Assistance?
Yes, call +61 2 8907 5619 from anywhere in the world to speak to their 24/7 emergency assistance team. Tap the “Assistance” button in the CoverMore App and then select “Call Now” to speak to the team.
Who do I contact if I have a complaint about CoverMore?
The primary body for travel insurance complaints is the Australian Financial Complaints Authority (AFCA). It is a free, independent dispute resolution service that handles complaints against insurance companies. You first need to try to resolve the issue directly with the CoverMore’s internal dispute team.
Does CoverMore travel insurance cover pre-existing medical conditions?
CoverMore does consider pre-existing medical conditions, with many automatically included and others assessed individually during the quote process. If your condition is approved, it can be added to your policy for an additional premium. For travellers with complex or multiple conditions, it’s worth comparing CoverMore’s assessment process with a specialist like AllClear, which is purpose-built for this type of cover.
Is CoverMore travel insurance worth it for frequent travellers?
CoverMore’s Annual Multi-Trip policy is one of its strongest value propositions for frequent travellers – covering unlimited trips within a 12-month period on a single policy, which works out significantly cheaper than buying individual policies for every trip.
Is CoverMore travel insurance good for cruises?
CoverMore offers dedicated cruise cover as an add-on to their standard policies, including cabin confinement, missed port departures, itinerary changes, and emergency medical evacuation at sea – risks that a standard travel insurance policy won’t cover.
Does Cover-More travel insurance cover car hire?
Rental vehicle excess cover is included on eligible Comprehensive-level policies — check your PDS for the specific limit that applies to your plan.
Does Cover-More cover cancellations?
Yes, cancellation cover is included on Comprehensive and Comprehensive+ plans if you need to cancel or cut short your trip for a covered reason.
Michael is a contributor to The Champagne Mile – Deals. No fancy credentials – just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who’ll listen. Michael figures there are plenty of other Australians who’d rather spend five seconds clicking a link than five hours searching for a working code. When he’s not buried in promo codes, Michael is probably planning his next trip overseas or dirtbike adventure.
Last verified: 14 September, 2026. Our content is ✔ Updated Weekly ✔ Verified ✔ No Expired Deals
