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MEET OUR TEAM

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Cara Morton
Name
Cara Morton
Title
Group Chief Executive Officer

Cara was appointed to lead Cover-More Group as Group CEO in June 2020. She joined Cover-More in June 2018 as CEO, Global Medical Assistance and in October 2018 was promoted to Group Chief Operating Officer as part of Cover-More’s global transformation.

Previously, Cara worked for QBE Insurance where, from 2015 to 2016, she was Group Head of Transformation and Change responsible for a $250m global program portfolio. In 2017 she became Group Head of Operations, with a team of 4000, reporting directly to the Group CEO. Prior to QBE Cara was with Accenture for more than 20 years where she held a series of Global/APAC leadership roles in banking, insurance, mining, consumer goods and government sectors.

Cara holds a Bachelor of Engineering (Honors) degree from the University of Queensland.

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Name
Judith Crompton
Title
Chief Executive Officer, Asia Pacific

Judith joined Cover-More in 2016 to lead all global retail travel and airline business. After Cover-More became part of Zurich in 2017, Judith was appointed to the new role of CEO, EMEA and in September 2018, Judith was promoted to CEO, Asia Pacific.

Judith is a highly experienced airline and travel industry executive with more than 30 years’ experience with some of the largest companies in Australia, the UK, and the United Arab Emirates. She joined Cover-More from Virgin Australia where she had been Chief Commercial Officer since 2012. Prior to joining Virgin Australia, Judith held senior positions at Qantas, Etihad Airways and Flight Centre as well as a number of global travel management companies.

Judith is based in Sydney.

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Mike Ambrose
Name
Mike Ambrose
Title
Chief Executive Officer, North America

Mike has been President and CEO of Travelex Insurance Services since 1996 and following Cover-More’s acquisition of Travelex’s travel insurance business in 2016, he was appointed to the new role of CEO, North America.

Under Mike’s leadership, Travelex Insurance Services has become the third largest travel insurance provider in the USA—which is the world’s largest market for travel insurance. Travelex Insurance Services partners with many of the USA’s most well-known travel and holiday brands.

Mike is based in Omaha, Nebraska, USA.

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Name
Alfredo Fernandez
Title
Chief Executive Officer, Latin America

Alfredo joined Cover-More in February 2019 to lead the sustainable growth and profitability of the Universal Assistance and Travel Ace businesses in Latin America which Cover-More acquired in 2018—the acquisition made Cover-More the second largest travel assistance provider in the region.

Alfredo has more than 30 years’ executive experience in financial services in Latin America, most recently with Chubb Insurance where he has been a Regional Director since 2014. He is a Latin America specialist and his understanding the culture and business practices across the region are invaluable as Cover-More accelerate the growth of business in LatAm.

Alfredo is based in Santiago, Chile.

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Name
Damien Woods
Title
Chief Executive Officer, Benestar

Damien joined Cover-More Group in 2019 to support the growth and development of our assistance capability. He is a very experienced senior leader with deep expertise in the healthcare industry and in leading clinical teams. He has worked for more than 25 years as a management consultant, mostly with Accenture in the healthcare field and brings strong leadership, analytical and management skills to Benestar.

Damien was formally appointed as CEO, Benestar on 1 October 2019. He is based in Benestar's head office in Sydney.

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Name
Adrian Leach
Title
Chief Executive Officer, World Travel Protection

Adrian joined Cover-More in 2019 to head Cover-More’s global medical assistance business which spans three continents and involves highly skilled teams of doctors, registered nurses, case managers, and travel and logistics specialists.

Previously Adrian worked with International SOS in Asia Pacific, leading the assistance organisation’s business in the region for the past three years, most recently as CEO Asia Pacific. Before joining International SOS in 2010, Adrian worked as a senior executive for Linfox in logistics and supply chain specialisation. He possesses a Bachelor of Economics from La Trobe University in Melbourne and a Masters of Science from the University of Denver.

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Name
Kate Hughes
Title
Group Chief Human Resources Officer

Kate is responsible for leading all aspects of Group Human Resources and ensuring our group has the optimum global workforce, skills and talent to achieve our strategic objectives.

Kate has more than 20 years of HR experience and joined Cover-More from Zurich Group in Switzerland where she was Group Head of Employee Experience, Diversity and Wellbeing.

She has also worked with Westpac Banking Corporation, American Express Limited and the law firm Ashurst Australia. Kate holds a Bachelor of Arts from the University of Canberra, and an MBA from Charles Sturt University.

Kate is based in Sydney, Australia.

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Name
Ryan Rubinstein
Title
Group Chief Financial Officer

Ryan was appointed as interim Group Chief Financial Officer in December 2019 with responsibility for financial leadership across Cover-More's global operations. Previously he was Group Financial Controller.

Ryan joined Cover-More in October 2012 and has been a central part of Cover-More's financial management team during the change from private ownership through ASX-listing, to the 2017 acquisition of Cover-More by Zurich Group.

He has more than 20 years' experience in financial management in the global insurance industry.

Ryan is based in Sydney, Australia.

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Name
Ernesto Suarez
Title
Chief Executive Officer, UK

Ernesto was appointed as interim CEO, Europe, Middle East and Africa in December 2019, and is also CEO of Cover-More's operations in the United Kingdom.

He joined Cover-More Group in 2017, following Cover-More's acquisition of the company he founded—Halo Insurance Services, an award-winning online insurance broker, specialising in non-standard vehicle insurance. Its retail brand, iCarhireinsurance.com, is now a leading provider of specialist car hire excess insurance in Europe. Halo has recently entered into the GAP Insurance space with another specialist brand, InsuretheGap.com.

Ernesto is responsible for the growth of Cover-More Group's business across the region. He is based in London, UK.

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Name
Manuel Lewin
Title
Group Chief Risk and Compliance Officer

Manuel is a highly experienced risk, investment and sustainability professional and joined Cover-More following 12 years with Zurich in Switzerland and the US, most recently as Head of Risk Strategy and Reporting.

His in-depth working knowledge of Zurich’s global risk and compliance frameworks is pivotal for Cover-More’s global operations and strategic growth aspirations.

Manuel is a graduate of the London School of Economics and holds a master’s degree in Business and Economics from the University of Basel. He is a charterholder with the Chartered Financial Analyst (CFA) institute. 

Manuel is based in Sydney, Australia.

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Name
Charles Whattam
Title
Group General Counsel

Charles leads the legal teams across our global businesses and provides critical support for the implementation of Cover-More’s growth strategy. He brings considerable industry experience in travel insurance to Cover-More as well as strong commercial acumen and understanding of government regulatory frameworks in Australia and internationally.

Before joining Cover-More, Charles was General Counsel with Chubb in Sydney and also previously worked with nib/World Nomads and with Allianz in Australia. 

Charles is based in Sydney, Australia.

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Name
Nicki Doble
Title
Group Chief Information Officer

Nicki joined Cover-More in 2019 and has more than 25 years’ experience in technology transformation and large-scale global delivery of IT infrastructure and operational excellence. As part of Cover-More’s executive leadership team, Nicki leads our global IT strategy and delivery across five continents.

She has a deep knowledge of digital and business intelligence technologies and extensive experience leading agile transformational change across global businesses. Prior to joining Cover-More, Nicki worked with QBE Insurance, Suncorp Group and Lend Lease. She is also a co-founder of a Women in Technology Accelerator, dedicated to supporting and enabling professionals to achieve their potential.

Nicki is based in Sydney.

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Our people, our culture

Like our parent, Zurich Group, Cover-More Group maintains a zero-tolerance approach to discrimination, disrespectful behaviour, bullying and harassment.

We are a global company where empathy and respect, diversity and inclusion are at our core.

And we are a group of people who are prepared to speak up and who don’t shy away for standing up for what is right.