A sound-hole cover includes a frame member, insert member, and foam spring members. The frame member has a rim and a front surface that is recessed from the rim. The frame member also has a plurality of spring-loaded orifices and a back surface of the frame member has a plurality of spring member holders opening radially outwardly from a center point of the frame member. An insert member has a planar front surface and a plurality of pegs, each peg corresponding to one of the spring-loaded orifices such that when the pegs are inserted into the spring-loaded orifices, the insert member remains on the frame member within the rim. There are foam spring members, each foam spring member is held by a corresponding spring member holder of the frame member. The foam spring members removably hold the sound-hole cover within a sound-hole of a musical instrument.