Best Travel Insurance
Fast Cover Travel Insurance
4.6Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.
Southern Cross Travel Insurance 🏆 2026
- See all
objective ? why when u bozos showed now compassion of a minor error. Made a mistake in putting in the dates bc YR system jumped all over the place,… Read more
no chance to review and correct. Grab my money and run. have nuffin to do with u ever again. Hate to think what u would be like if someone made a claim
Fast Cover Travel Insurance
- See all
Travel Insurance was easy to Navigate and Better Value than many others. Show details
InsureandGo Australia 🏆 2026
I was getting completely overwhelmed by who to choose for travel insurance, but when i saw the reviews and feedback for insure and go, as well as my… Read more
parents decision to also go with them it made it so easy to make my final choice. Their value for money including great coverage and history of easy claiming made it the only choice really
Tick Travel Insurance 🏆 2026
The best travel insurance i always use tick each time i travel. Show details
1Cover Travel Insurance
- See all
Friendly & helpful advice while taking out the Insurance Policy. And also ease of submitting a claim & communication during the process. Show details
Worldcare Travel Insurance
They paid out no questions, that's a measure. I got a comprehensive plan, which included war zone countries (Israel, Myanmar), understanding it only… Read more
covered non conflict injuries. There are not many companies that do so, so the extra cost was acceptable.
We were travelling from Iceland to Greenland when the plane aborted due to technical issues.
The claim was for a connecting ferry in Greenland, and the transfer to it (via a small boat). Total claim was $2634.10.
It was paid out in full, no questions asked. The payment was timely, being only 2 weeks post the claim. I had paid $2000 insurance for a 3 month trip.
Cannot but be happy.
TID Travel Insurance Direct
I have never had to claim. this is more about admin. I wanted to extend, but that happened on a Saturday. they dont answer the phones on the… Read more
weekends. I guess their medical emergency line would be different, but I dont know. I logged in to extend online, and it said, sorry this function is temporarily out of function, I called, but no one working weekends. Pretty poor form for a travel company. on this alone, im never using again. why would I? get a company that cares enough to have someone available to fix stuff on the weekend, or to have their website up and running, or even have one of those question things on the website that is attended by a human that can help.
Hi Stewart, Thank you for taking the… Read more (+1 reply)
PassportCard.com.au
- See all
Phoned customer service to ask some questions about pre-existing medical conditions and the operator was fantastic. Local/Australian based and very… Read more
helpful. It’s so important to feel comfortable with your choice when there are so many travel insurer options on the market. Very good levels of coverage and having the Card is such an important point of difference!
Freely Travel Insurance 🏆 2026
This is the first time I have used this company and it was good value with the discounts. Show details
Seniors Travel Insurance
Better Look After Us Oldies More – Well Peeps, since my last review on this mob, they’ve dropped the ball in my book. We off to Bali again next year so I decided as seeing I was so… Read more
happy with the last policies price, I’d give them another run. That’s where it stopped and I went with 1Cover. Why you ask? Short answer is that for the 7 weeks we will be away, they were 900 smackers dearer than 1Cover. I might be older but I’m not that dumb to part with that much folding stuff. It’s not as if my wife and I were going to do all the crazy stuff like hang gliding, parachuting or Bungi Jumping ( that would be hard to do in Bali ) like we used to when we were younging’s. All I wanted was a policy to mainly cover medical expenses just in case. So they lost my business and that’s sad in a way given they were so cheap last time. As Ned Kelly said on the gallows “Such is Life “.
Hi Shane, Thank you for taking the time to… Read more
Allianz Travel Insurance
- See all
I added travel insurance to the ticket at the time of purchase. However, I cancelled the ticket on the same day and was not reimbursed, as I was… Read more
advised that my request did not meet the criteria for reimbursement under the policy.
This highlights a broader concern with travel insurance coverage. While customers pay an additional premium for protection, the policies often contain exclusions and conditions that allow insurers significant discretion in declining claims. As a result, the coverage may not provide the level of protection that customers reasonably expect.
Cover-More Travel Insurance
- See all
Smooth claim easy platform everything was processed without any interaction of human. As long as you submit all the outlined required paper works email them and they will approve and process Show details
ReadySet Insurance
Needed to alter our trip dates because of flight cancellations related to the middle east conflict. Ash was very helpful and re-organised everything quickly and smoothly without any fuss. Yet to travel. Show details
Zoom Travel Insurance
- See all
Really easy and quick to purchase online. Thankfully no need to make a claim. Will definitely use Zoom travel insurance again. Show details
Everyday Travel Insurance from Woolworths
- See all
Very professional and easy to use, very helpful, will use this product again Show details
ahm Travel Insurance
It has dood value for ahm members with reasonable price Show details
Travel With Jane
Jane Travel Insurance – Very bad as two emails to them with a copy of Grand Princess letter as did not go to Newcastle because of CO-VID19 but no replies. Show details
RACV Travel Insurance
- See all
Be warned. RACV only facilitate travel insurance by Tokio Marine insurance. Our Jetstar flight was delayed by 1.5 hours causing us to be unable to… Read more
board our cruise ship. Even though the ship was still docked, we were unable to board due to the port authority closing at 3.00pm. We had to find accommodation in Brisbane and change our flight home. All good we had paid over $600 for travel insurance which we believed would cover our costs, or so we thought. What an absolute joke.
Here is their reason for denying our claim: We also note that we are unable to consider your missed Crown Princess Cruise under Section 1:
Cancellation Fees and Lost Deposits, as your flight was delayed due to operational reasons. Since the
delay was caused by the Transport Provider, Exclusion 1.7 applies to your cancelled arrangements.
Additionally, Section 4: Emergency Expenses provides coverage for seven defined events. Unfortunately,
delays or cancellations due to operational reasons are not among the covered events. As a result, your claim
for emergency expenses (taxi and accommodation) is not covered under this section of the policy also.
Furthermore, we understand that your Jetstar flight was delayed by 1 hour and 15 minutes, which caused you
to arrive late to board your Crown Princess Cruise. To be eligible for cover under Section 13: Travel Delay,
your scheduled transport must be delayed by more than six hours. Unfortunately, as your flight was not
delayed by more than six hours, your claim for the taxi fare and additional accommodation falls outside the
scope of this section of the policy
Be Warned...
Budget Direct Travel Insurance
My Samsonite $600 suitcase damaged not useable Budget Direct depreciated it 60% deducted their $200 and gave $40 It took me about 5 hours to hound them and chase them A very expensive mistake I won’t be making again Show details
Hello Kris. I'm sorry to hear you have been… Read more (+1 reply)
RAC Travel Insurance
- See all
Dealing with Craig D'sa is such a pleasure because he is always very polite, helpful and knowledgeable. Show details
Easy Travel Insurance
Could'nt be happier. My travel plans fell through, and so I cancelled everything. one phone call and they refunded my money straight away... I am planning a new trip and will use these champions again! Show details
SureSave
Profiteering from coronavirus – Suresave have in effect have a cancelled policy - by them through the pandemic clause and then through government action they are no risk of a claim… Read more
of any sort. Yet their position is that they should not refund premium even though they are offering no cover and are at no risk. Here is my conversation....
Why would it only be about cooling off period? You have no insured risk due to epidemic catch all clause. I can’t cancel due to other reasons as cruise is not on. I can’t get sick on cruise as it is not on. I can’t have travel problems as we can’t travel I can’t lose any luggage as we can’t travel.
For you to be able to keep premium, when you are accepting no risk ....would seem to be at best unconscionable conduct.
I will advise the ACCC etc of your starting position. Ours will not be only case.
Neil
On Mar 23, 2020, at 10:17 AM, "info@suresave.com.au" <info@suresave.com.au> wrote:
WN logo Hi Neil,
Thanks for contacting us at SureSave! My name is Xxxx. and I am part of the customer service team.
We’re sorry that your travel plans have been cancelled and understand you now wish to cancel your travel insurance policy. We have to check whether your policy is within cooling-off period and eligible for refund.
If you have any further questions please do not hesitate to contact us.
Kind regards
Bupa Travel Insurance
- See all
Assistants were rude and determined $100 "fair" compensation for $800 worth of damage. Show details
Medibank Travel Insurance
- See all
They tripled the price for my 2nd extension of my policy with no reason give. Except saying ‘the prices vary from day to day’! I believe it’s… Read more
discrimination against ADHD and Anxiety disorders. I fully disclosed my pre-existing condition when first purchasing this policy and was already paying double for that. So to then triple the price is possibly illegal. I will be finding out.
Hi Gavin. I am very sorry to hear about your experience.… Read more (+2 replies)
RAA Travel Insurance
Staff member couldn't spell. Needed to see my membership card twice then still spelt my name wrong. Wrong dates on the policy, luckily I checked. Show details
Travel Insuranz
Absolutely terrible experience with Travel Insuranz. I lodged a claim over 6 months ago and have heard nothing back despite multiple follow-ups.… Read more
They’ve been completely unresponsive and have not paid a cent towards my claim. This level of customer service is unacceptable—avoid at all costs.
XCover.com
- See all
Shocking Company , Flights cancelled , gave notice well within my Policy conditions. Can you believe they knocked my refund back due to their own… Read more
incompetence in getting back to my email 3 weeks later. NOT worthy of any of my , nor my families Business. Look elsewhere, Imagine NEEDING your insurance and this is how they operate. Unscrupulous Bussiness!
World2Cover
Very easy to obtain a quote and then to pay for the policy! Show details
World Nomads Travel Insurance
World Nomads insurance is terrible when a real issue arises. I am currently travelling and last leg is on 25th December to Cambodia. After multiple… Read more
emails, they cannot let me know if the area I plan to travel to will be covered. It’s in the “yellow” zone, not the “red” zone and therefore not officially a no travel area, but also not safe. My policy covers chance to flight if something arises, but they cannot confirm if they will cover costs if I amend flight to go home instead and avoid Cambodia, as I’m flying in to a “yellow” zone. No clarity, their advice to me is to do what I think is best and then they might or might not refund flights and if I do go I might or might not be covered!
Australia Post Travel Insurance
- See all
Friendly staff at the post. Read through the booklet. Coverage of the insurance not very reasonable compare to others. Show details
Fast Cover Travel Insurance
4.6Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.
Do I need travel insurance?
If you’re travelling overseas, travel insurance is as important as a passport. It will help cover the cost of things like accidents, illnesses, cancellations and delays while you travel - the Australian government will not cover these costs for you.
There are also some countries - like Thailand, Cuba, and all Schengen countries - which require you to have travel insurance to enter.
Do I need domestic travel insurance?
You don’t need to purchase travel insurance for domestic travel, but some people still choose to, typically for the following reasons:
- Cancellation costs, particularly if you’ve spent a lot of money on your trip.
- Damage, loss or theft of baggage, especially if you’re travelling with valuables or gear.
- Car hire excess.
Do I need travel insurance for a cruise?
You should purchase insurance for both international and domestic cruises.
Even if your cruise doesn’t leave Australian waters, Medicare (or your private health fund) won’t cover your hospital or medical costs once your cruise ship has left port. Cruises won’t automatically be included in all policies, but you can often find cruise-specific travel insurance policies.
When should I buy travel insurance?
You should purchase travel insurance as soon as you know when you’re travelling and have booked your flights. This means you’ll be covered if your trip gets cancelled or you’re unable to travel, as you’ll be covered as soon as you buy your policy.
What to consider when choosing a policy
This isn’t a definitive roundup of everything you should consider before deciding which insurance policy is the right one for you, but it covers the main considerations you should be making when deciding what’s right for you.
Ensure that you read a policy’s Product Disclosure Statement (PDS) carefully before you purchase it. This is a document that outlines all the inclusions, exclusions, limits, and other details of a policy.
Your destination
It’s a good idea to regularly check the Australian government’s Smartraveller website to see the safety status of your destination. Some countries have “Do not travel” warnings, and travelling to these places will likely void your insurance.
There are many countries on the “Reconsider your need to travel’ list. While an insurer may still cover you for these countries, if circumstances in a specific country change (such as escalation of political unrest), they could be moved to the “Do not travel” list.
The length of your trip
If you’re going for a single trip away, then you only need to buy a travel insurance policy for a fixed number of days. Those who travel often may want to consider taking out an annual multi-trip travel insurance policy. You can also get one-way travel insurance if you’re moving overseas.
What you'll be doing
If you have activities you’re planning on doing, you should take out a policy that will cover these. Many activities deemed to be “risky”, such as adventure activities like scuba diving or abseiling, may not be included in your policy. Your best bet is to call an insurance company to ask if you’ll be covered for your activities, and if not, whether cover can be arranged.
What you're taking
Whether or not you’re travelling with valuables, travel insurance can help cover the cost of loss, damage, or theft of your belongings. Cover can range from $100 to $25,000. If you’re not taking expensive items with you, then you can save on your premium by choosing a policy that provides less cover.
You should also check how a policy covers valuables; sometimes check-in luggage or baggage stored in a hire car isn’t covered.
Medical conditions
You should disclose any pre-existing medical conditions you have to your insurer.
Before purchasing a claim, ensure that any pre-existing ailment you have is covered, as even common medical conditions, like asthma, can be excluded under some policies. Some travel insurance companies will also cover change of travel plans caused by a mental health issue.
If you have a disability and are travelling with equipment such as a wheelchair or hearing aid, ensure that this is insured as well.
Excess
Travel insurance excess (also referred to as a deductible) is the agreed amount that you will pay towards a claim on a travel insurance policy. Once the excess is settled on a valid claim, then your insurance provider will pay the remainder up to the limit defined in your policy’s Product Disclosure Statement.
For example, if your excess on lost belongings is $200, then you’re responsible for paying the first $200 before your insurer will begin to pay for you.
Usually to keep your excess low, you have to purchase a high level of cover or pay a higher premium.
Exclusions
Exclusions are what isn’t included in your cover. A policy’s Product Disclosure Statement will list these exclusions, so make note of these as well as any activities or situations that will mean you won’t be covered.
Some common exclusions in travel insurance policies include:
- Activities deemed ‘high risk’, such as bungee jumping and riding a motorbike.
- Illness caused by a pre-existing medical condition.
- Loss or theft of luggage that is unattended or left in an insecure place.
- Travel to areas against official government advice.
- Accidents arising from you being under the influence of drugs or alcohol, or if you were acting recklessly.
- Costs related to pregnancy.
Limits
For travel insurance policies, there will typically be a maximum dollar value up to which you can claim for a single incident.
This is a particularly important consideration if, for example, medical treatment is extremely expensive at your destination, so ensure that your limits are suitable for where you’re heading.
Other things to consider
- Age: double check that your policy covers your age and those of the people you’re travelling with. Some insurers charge higher premiums for older travellers, and sometimes “older” can mean as young as 50.
- Premiums and costs of excess: You should always make sure that a policy’s premiums are within your budget, and that you can afford to pay the excess if something does happen.
How to use our filters to compare travel insurance policies
Here’s a quick overview of each specification to help you compare travel insurance policies and choose the right one for you.
Coverage type
- Single Trip (Overseas): coverage for one standalone overseas trip.
- Multi-Trip (Multi-Trip): coverage for annual multitrips. A maximum days limit per trip applies.
- Medical-Only: basic coverage for medical expenses and assistance.
- Already Overseas: coverage if you've already left Australia and need travel insurance. A waiting period usually applies, between 24 hours and 72 hours.
- Domestic: coverage for domestic travel within Australia.
- Non-Medical: coverage for luggage and cancellations etc, excluding medical coverage.
- Vehicle Only: coverage for rental vehicle excess only.
Maximum age covered
- Many travel insurance policies have an age limit, so use the slider to view policies that will cover the oldest person in your travelling party.
Medical coverage
- Use the filters to view policies that cover Pregnancy and Overseas Emergency Assistance if needed.
Luggage & personal effects
- Maximum Single Item Limit: the maximum you can claim per item, exclusions or different limits for different types of items may apply.
- Benefits Limit: the maximum total value of all your claims combined that you can be reimbursed for.
Ancillary
- Personal Liability: the maximum amount you'll be covered for if you become personally liable for any damage to other persons or their property.
- Motorbike/Moped Coverage: coverage dependent on engine capacity - see Details (use the Compare feature or view individual listings) and the insurance provider's Product Disclosure Statement for specifications.
Rental vehicle excess
- Limit: the amount your policy will cover you for if you become liable to pay any rental car hire excess as a result of damage or theft to a rental vehicle.
Special activities packages
- Special Activities: choose Snow / Ski, Cruise, Adventure / Extreme Sports and Golf if you want to be covered for any of these activities. They may be included in the policy, or an optional extra.
- For even more specific filtering, as Cruise and Snow / Ski are the most popular activities, choose between Included or Optional Extra to find policies that either already have these activities included or if you need to purchase an add-on for coverage.
Handy Tip: After using the filters to narrow down your options to view only policies relevant to your needs, use our Compare feature to view even more in-depth details, such as the maximum weeks pregnancy is covered for, emergency dental limits and specific single item limits.
Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.
Hi Steve. Thanks for your review.… Read more