Cover-More Promo Codes & Discount Codes

About Cover-More

Cover-More travel insurance is administered by Cover-More Insurance Services Pty Ltd (AFSL 241713) and issued by Zurich Australian Insurance Limited (AFSL 232507). Plans typically span three tiers — from budget-focused cover through to comprehensive policies with higher benefit limits — covering things like overseas medical expenses, trip cancellation, and lost luggage, depending on the plan and any optional extras selected.

Cover-More runs promotional discount codes periodically rather than permanently — historically around 15% off, a few times a year, often tied to named campaigns. These promotions generally exclude Great Stay Product policies and can't be combined with other offers, so it's worth checking a current code is actually valid before assuming a long-expired one will still work.

As with any insurance product, the Product Disclosure Statement (PDS) is the authoritative source on what's covered, what's excluded, and any limits or sub-limits that apply to your specific plan — it's worth reading before deciding which policy suits your trip. This is general information only and doesn't take into account your personal financial situation or needs.

How to Use a Cover-More Promo Code

1. Go to covermore.com.au and enter your trip details into the quote box to see which plans suit your travel dates and destination.
2. Compare the plan tiers and add any optional extras you need (like adventure activity cover) before proceeding.
3. Find a current Cover-More promo code on this page and copy it — check that it's still within its stated valid dates, since these promotions run for limited windows rather than year-round.
4. Look for the "Add promo code" field, marked with a gift card icon, during the quote process — paste your code there before completing payment.
5. If you're a Velocity Frequent Flyer member, add your membership number during purchase to earn 3 points per dollar spent on a Single Trip or Annual Multi-Trip plan — if you forget, you can contact Cover-More within 90 days to add it retroactively.
6. Complete your payment and read your Certificate of Insurance and PDS carefully once issued, since this confirms exactly what's covered for your specific policy.
7. If your plans change, you can cancel within 21 days of your Certificate of Insurance being issued for a full refund, provided your trip hasn't started and you haven't made a claim.

More Ways to Save at Cover-More

- Check current promo codes against their stated expiry dates rather than assuming a percentage you've seen mentioned elsewhere is still active — Cover-More's discounts rotate a few times a year rather than running continuously.
- Add your Velocity Frequent Flyer number at purchase (or within 90 days afterward) to earn points on top of your cover.
- Compare a family or group policy if travelling with others, since Cover-More has periodically offered discounts specifically for family and group bookings around school holiday periods.
- Subscribe to the newsletter for early notice of upcoming promotional windows before they're publicly announced.
- Check if your destination is subject to sanctions via smartraveller.gov.au before purchasing, since Cover-More cannot provide cover for claims arising in sanctioned countries regardless of any discount applied.

Cover-More Frequently Asked Questions

Who underwrites Cover-More travel insurance?
Cover-More travel insurance is administered by Cover-More Insurance Services Pty Ltd and issued by Zurich Australian Insurance Limited.

Can I get a refund if I cancel my Cover-More policy?
Yes, within a 21-day cooling-off period from when your Certificate of Insurance is issued, provided your trip hasn't started and you haven't made a claim. After this period, refunds generally aren't available.

Can I earn Velocity Points with Cover-More?
Yes, 3 Velocity Points per dollar spent on a Single Trip or Annual Multi-Trip plan bought directly from Cover-More. If you forget to add your membership number, you can contact Cover-More within 90 days to add it retroactively.

Are Cover-More promo codes always available?
No — discount codes run as limited-time promotions, typically around 15% off a few times a year, rather than continuously. Check the stated validity dates before relying on an older code.

Where can I find exactly what my Cover-More policy covers?
In your plan's Product Disclosure Statement (PDS) and Certificate of Insurance, which set out the specific benefits, limits, sub-limits, and exclusions that apply to your policy.

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