Target Market Determinations (TMD) 

A TMD helps you understand the types of people (called the ‘class of customers’) our insurance policies are designed for, considering their needs, objectives, and financial situations. 

From the 5th October 2021, product issuers, under the Corporations Act 2001, are required to have Target Market Determinations for each product they issue to retail clients.

It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.


Travel insurance

Domestic travel

Integrated Domestic Travel Insurance Product Disclosure Statement (Covermore) 

Integrated Domestic Travel Insurance Target Market Determination (Covermore) 


International travel

Integrated International Comprehensive / Integrated International Essentials Travel Insurance Product Disclosure Statement (Covermore)

Integrated International Comprehensive / Integrated International Essentials Travel Insurance Target Market Determination (Covermore) 

To obtain a copy of earlier Target Market Determinations for these products, please contact Cover-More on 1300 135 769.


Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance.