While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur. Options to vary cover (where available): additional premium applies.Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.The more cancellation cover you require, the higher the cost may be. Cancellation cover: on some policies you can choose your own level of cancellation cover.Cruise cover: additional premium applies.Excess: the higher the excess the lower the cost.Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid: The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.Īt Cover-More, we consider a number of factors when calculating the total amount payable. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. # Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with amendment or cancellation costs included. If the policy was purchased less than 21 days before the departureĭate, this benefit limit applies only to costs paid after the purchase date and within the 48 hours prior to the purchase date. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel # Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive+ Plan policyholders with amendment or cancellation costs included. Policies may not be available to all travellers. ^^ Policy availability subject to age, trip duration and area of travel. There is no cover for cabin confinement related to COVID-19. ^ For cruise-related expenses, Cruise Cover must be included in the policy. ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.
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