If you travel regularly for business make sure you are covered. You will find a comprehensive Schedule of Benefits for the business traveller listed below. Cover-More’s Business Travel Insurance covers you for multiple trips whilst overseas or within Australia. The Business Traveller’s Insurance Policy is not available for on-line purchase. Please contact us to enquire further. We will then quote you the premium for Business Travel Insurance policy which will include a discount on the published price.

Summary of Policy Benefits

Below is a summary of the benefits provided which must be read in conjunction with the Product Disclosure Statement (PDS) to understand what this policy covers by clicking the link above. Please note that exclusions and limits apply.

1 Overseas Medical and Dental

Cover for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. Medical cover will not exceed 12 months from onset.

Maximum Benefit Limit

$Unlimited

2 Additional Expenses

Cover for additional accommodation and transportation expenses as a result of certain events including sickness, natural disasters, loss of travel documents and strikes.

Maximum Benefit Limit

$Unlimited

3 Amendment Or Cancellation Costs

Cover, if due to unforeseen circumstances outside Your control Your journey has to be re-arranged or cancelled e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment.

Maximum Benefit Limit

$Unlimited

4 Luggage And Travel Documents

Luggage – cover for loss, theft or damage. Travel documents – cover for replacement cost if lost or stolen. For luggage item limits, see page 8 of the PDS.

Maximum Benefit Limit

$12,000 *

5 Delayed Luggage Allowance

Cover for the cost of essential emergency purchases overseas if all Your luggage is delayed by a transport provider. Delays of over 24 hours – up to $1,000. Delays of over 72 hours – up to $2,000.

Maximum Benefit Limit

$2,000

6 Money

Cover for cash which is lost or stolen from Your person.

Maximum Benefit Limit

$1,000

7 Rental Car Insurance Excess

Cover for the excess You become liable to pay as a result of damage to, or theft of, a rental car.

Maximum Benefit Limit

$4,000 *

8 Travel Delay

Cover for additional accommodation expenses if Your scheduled transport is delayed over 6 hours.

Maximum Benefit Limit

$2,000

9 Alternative Staff

Cover for the cost of a replacement employee to complete the assignment for which you were originally sent if it is necessary for you to return to Australia as a result of your bodily injury or illness.

Maximum Benefit Limit

$15,000

10 Special Events

Covers additional costs to get You to a special event (as defined) if You would miss it due to unforeseen circumstances outside Your control.

Maximum Benefit Limit

$2,000

11 Hospital Incidentals

Covers the cost of miscellaneous expenses up to $50 per night if You are hospitalised overseas for at least 48 hours.

Maximum Benefit Limit

$8,000

12 Hijacking

$1,000 for each 24 hour period You are forcibly detained on a hijacked public transport vehicle.

Maximum Benefit Limit

$10,000

13 Kidnap and Ransom

Reimbursement for ransom monies paid if You are kidnapped during Your journey.

Maximum Benefit Limit

$250,000

14 Loss of Income

Benefit payable if, due to an injury sustained during Your journey, You are unable to work on Your return to Australia.

Maximum Benefit Limit

$24,000 +
Up to $4,000 per month

15 Disability

Benefit payable if, due to an injury sustained during Your journey, You suffer total loss of sight in one or both eyes or total loss of the use of a limb. Up to $10,000 per accompanied child.

Maximum Benefit Limit

$25,000 +

16 Accidental Death

Benefit payable (to Your estate) if You die due to an injury sustained during Your journey. Up to $1,000 per accompanied child.

Maximum Benefit Limit

$25,000 +

17 Personal Liability

Cover for legal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons.

Maximum Benefit Limit

$5,000,000

  • * Additional cover available, see page 8 of the PDS.
  • + Maximum liability collectively for Sections 14, 15 and 16 is $25,000.

The Business Traveller’s Insurance Policy is not available for on-line purchase. Please contact us to enquire further, we will then quote you the premium including a discount on the published price.