Visas · insurer fileCover-More
Cover-More eligibility rules
Australia's big name: proper medical screening, insures to 99, and sells mid-trip. Every row below is taken from Cover-More's own policy wording, FAQ or terms, with the date we last checked it.
The rules in full
| Rule | Answer | What the wording says | Confidence |
|---|---|---|---|
| Who can buy it | Specific countries only | Residency-gated per market site: Australia, New Zealand, the UK, Malaysia, India and the USA each have their own storefront and rules. | verified |
| No fixed country of residence | No | Each storefront requires residence in that market. | verified |
| Buying after you have left home | Yes | “If you purchase this policy on your trip after leaving home, this cover is subject to a 3 day no-cover period.” | verified |
| Maximum age | 99 | Single trip accepts up to 99 subject to acceptance criteria. Annual multi-trip is under 75. | verified |
| One-way and open-ended trips | With conditions | Not available self-serve online: they ask you to contact them to discuss one-way cover. | verified |
| Longest trip | 12 months | Twelve months on a single trip. | verified |
| Pre-existing conditions | Yes | Full online medical assessment inside the quote flow with an instant outcome for most people, plus a list of automatically included conditions. | verified |
| Cover in the USA | Yes | Included in the worldwide region; unlimited overseas emergency medical is their hallmark. | partly |
| Schengen visa certificate | No | Not marketed for Schengen visas. | partly |
| Winter sports | With conditions | Via the snow sports add-on. | partly |
| Scuba diving | With conditions | Within the activity rules; check the PDS for depth limits. | low |
| High-altitude trekking | With conditions | Check the PDS for altitude limits. | low |
| Scooters and motorbikes | With conditions | Optional motorcycle and moped add-on; licence and engine-size conditions are in the PDS. | partly |
| Working abroad | With conditions | A business policy exists; manual-work exclusions not verified. | partly |
| Trip cancellation | Yes | Selectable cancellation limit in the quote flow. | partly |
| Families | Yes | Family policies with children often included. | partly |
Who underwrites it
Zurich Australian Insurance Limited. The carrier matters more than the brand: it is the entity that actually pays your claim and the one whose regulator you would complain to.
Our commercial relationship
We may earn a commission if you buy through our link to Cover-More. That is disclosed on every link, and it never changes where they appear or in what order. 10% per sale, 30-day cookie, 60-day validation.
Sources: covermore.com.au, covermore.com.au. Checked 2026-08-03. This is information about published eligibility rules, not advice, and not a guarantee of cover.