Choosing the right travel insurance lets you focus on the extraordinary, and be confident you’ve got cover for the unexpected. That’s why Westfund partners with Cover-More to help protect your holiday.

No one knows travel insurance like Cover-More. They have been protecting holidays for more than 30 years and cover more than 3.8 million journeys every year — giving travellers the peace of mind to explore the world their way.

PLUS if you are a Westfund member you get 15% off your Cover-More travel insurance. When you get a quote, simply use the code WESTFUND and your discount will be applied.

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With Cover-More you’re in good hands

Medical experts, just a call away

No matter what your emergency, Cover-More’s expert team offer 24/7 medical assistance, experienced doctors, nurses and case managers and medical evacuations to first world medical care, when appropriate+

Free cover for accompanying kids*

Speak with an Australian based GP^

We’ll find the best option for you, such as connecting you to an Australian-based GP or helping you find the nearest medical facility. Our Travel GP service provides you with calm and clear advice, as well as guidance with medicine or medical referral.

24/7 24 hours, 7 days a week

The unexpected can throw you off track, Cover‑More is just a call away to help with medical issues, passport replacement, travel advice, emergency or natural disasters updates.

15 working day money back guarantee**

Easy online claims

Don’t wait until you’re home. Go to
The hassle-free process makes it easy to get things moving and you might even receive your money before you get home+.

Comprehensive Care

One-size doesn’t fit all! That’s why Cover-More includes excellent cover with a unique set of optional extras to choose from to suit your holiday.

Overseas medical and dental $Unlimited~ If you get sick or injured, we include cover for your overseas treatment costs, including overseas doctors, hospital, ambulance and medication.
Additional expenses $Unlimited Cover for unexpected travel costs if:
– a doctor says you’re too sick to travel
– you need to return home because a relative in Australia suddenly falls ill
– your transport is disrupted due to a strike, riot or civil commotion
Amendment or cancellation $You choose Cover for trip amendments or cancellation if an unexpected event occurs, such as:
– you’re sick or injured and can no longer travel
– a relative in Australia is sick
– your job is made redundant
Travel service provider insolvency $10,000 We include cover if due to the insolvency of a travel service provider:
– You have to rearrange your trip
– You have to cancel your trip because it can’t be rearranged
– You incur additional expenses to return home
Luggage and travel documents $15,000 Cover is included for lost, stolen or damaged personal belongings, including:
– cameras and video cameras – up to $4,000
– laptop computers – up to $4,000
– tablet computers – up to $4,000
– mobile and smart phones – up to $1,000
– other items – up to $750
New for old luggage: You can travel easy knowing your luggage items are covered without depreciation if they are less than 2 years old at the time of loss.
Delayed luggage allowance $1,000 If your luggage is delayed for more than 24 hours, there’s cover to buy some clothes and toiletries whilst you’re overseas (sub-limits apply)
Rental car insurance excess $10,000 If your rental car is stolen or damaged there’s cover for the excess you’re required to pay.
Travel delay $2,000 If your travel is delayed for at least 6 hours by an unexpected event outside your control, there’s cover for additional costs in accommodation (sub-limits apply).
Missed connections $3,000 If you miss a connection, there’s cover for alternative transportation so you can catch up on your original itinerary, where practical.
Resumption of journey $3,000 Loss of income $9,000*
Special events $2,000 Disability $25,000*
Hospital incidentals $8,000 Accidental death $25,000*
Hijacking $8,000 Personal liability $2,500,000
Money $250  

Add Optional Extras for peace of mind:

For an additional premium you can choose optional extras to suit your holiday. Conditions and limits apply, please check the PDS.

Cruise cover Mandatory if you are taking a multi-night cruise
Add this cover to take the standard policy benefits as well as cover for cabin confinement, missed ports and ship to shore medical cover.
Cancel for any reason Up to $10,000 per policy
If you think you might need to cancel your trip for reasons not covered by the policy, this provides some cancellation cover. The amount you could claim is dependent on the amount you select for your included cancellation cover.
Increase luggage item limit Whilst we suggest leaving valuable items at home, if you are travelling with them, you may be able to increase the limit on that specific item. A receipt and/or valuation must be available.
Adventure activities There are many activities automatically included in the policy however, for something more adventurous like some triathlons, rock climbing, scuba diving, skydiving, parachuting or trekking (including the Kokoda track), skiing and snowboarding off-piste and heli-skiing/snowboarding, you can choose this cover.
Motorcycle/moped riding Standard
Cover for riding a motorcycle or moped with an engine capacity of 200 cc or less. Subject to licence and safety requirements.
Cover for riding a motorcycle or moped with an engine capacity over 200 cc. Subject to age limits, history, experience, licence and safety requirements.


Terms and conditions:

*Accompanied children includes your children or grandchildren, identified on the certificate of insurance and travelling with you, provided they are not in full time employment, they are financially dependent on you and are under 21 years of age. **Money back guarantee applies if you cancel your policy within 15 working days, have not made a claim or departed on your journey. ^Travel GP services do not form part of your travel insurance policy. It is offered to customers at Cover-More’s cost and at our sole discretion. Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will be considered. +Subject to approval. Comprehensive Care International Travel Insurance limits shown. Cover is subject to conditions, exclusions, limits and sub-limits of the policy. ~Medical and dental cover will not exceed 12 months from the onset of the illness, injury or condition. Read the Combined FSG/PDS available from your travel consultant to ensure you understand the conditions, exclusions, limits and sub-limits that apply and check that the insurance meets your specific needs and financial situation before deciding to buy. Any advice provided is general advice only. *Maximum liability collectively for loss of income, disability and accidental death on International or Inbound plans is $25,000. Insurance administered by Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 and issued by the insurer, Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507.