Cover More has been my travel insurance company since ever, meaning since I started paying for travel insurance. There were years in which my only insurance was praying the heavens to protect me because I did not have the money to do pay for anything but the ticket. I found the pricing of the polices really high, taking into account that I have rarely had any problem and that this might be the case of most travellers. Just guessing! They claim that spend many millions on claims per year, and I believe them; however, I think that the number of people not claiming is higher.
However, there is no detour. I have compared Cover-More with other travel insurance companies (even with my health insurance company, which offers discounts to members for Travel Insurance) and Cover-More is cheaper or the same price, depending on the policy, but it has more benefits. So I am stuck with them.
I would like their policies to be a bit more flexible and considerate with regular customers. But they do not have regular customers because their idiotic system does not record us as such, no matter how many times you book with them. They should implement a rewards point system for people who regularly buy their policies, and points added for travels done without claiming anything. Then, turn the points into discounts and voila. That would make me happy. And you.
The only time I had done a claim, everything was easy-peasy. The claim was for a last-minute flight change that forced me to move intercity immediately and the only thing I could find available was a room in a five star hotel. I produced the receipts, told them what had happened and I was fully reimbursed, no fuss.
In the past, I used to book on the phone because their website was just good for quotes but useless for booking. Currently, it is pretty good for bookings and I book directly online.
I am never happy paying so much money to a Travel Insurance company, but, really, if I got sick or something bad happened to me overseas, their policies give me a great peace of mind, and they are cheaper than other companies out there. So let it be.
UPDATE 11/1/16
I have just bought a policy with Cover-more. I visited first their website, as I have been using it for years. They don't seem to get thing right. The booking of a policy is simpler and clearer than ever, and the look of the website has improved. However, something really important has worsened. In the former version of the website, you introduce your personal info and dates of travel and you would get a quote in all policies they offer, side by side. At present, the police they offer for International, is just one, no the most comprehensive, . The latter (called Options) can bought through travel agents, which is always a pain because they inflate the prices and to get a discount you have to move your rear to find somebody who offers a better price and keep playing poker,and it only benefits the travel agents. It might be that you can book the Options comprehensive policy on the phone, but the website looks nicer and simpler but it is not better.
