Best Travel Insurance

Travel insurance will give you peace of mind and cover you for a range of situations that may arise, such as emergency overseas medical expenses, lost or stolen personal items and car hire excess depending on the level of coverage you choose. Here's what you should consider before purchasing a policy. Continue reading...

Brand
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Rating
Coverage Type
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Maximum Age Covered
49 years old
Pregnancy Cover
Overseas Emergency Assistance
Maximum Single Item Limit
$250
Benefits Limit
$500
Luggage & Personal Effects
Limit
$1,000
Vehicle Coverage
Personal Liability
$60,000
Motorbike / Moped Coverage
Cruise
Special Activities
Snow / Ski

Based on 38,070 reviews
Fast Cover Travel Insurance
  • 🏆 2024 Award

Fast Cover Travel Insurance

4.6 from 2,281 reviews

Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.

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Southern Cross Travel Insurance

Southern Cross Travel Insurance 🏆 2024

4.7  (3,070)
 Summary
pwinwood
pwinwoodSA16 posts
  International Comprehensive
Great ‘backup’ for older International travellersOverseas travel insurance for over 80’s is a hassle and usually VERY expensive.However, Southern Cross offers GREAT cover at affordable prices with great over the phone support . Recommended! Show details ·  1
RentalCover.com

RentalCover.com 🏆 2024

4.7  (964)
 Summary
Leanne H.
Leanne H.
 
Seamless experienceRentalCover is simply amazing. My claim was processed within their stated 3 day timeframe. The online claim process is easy to follow and went through without a hitch. Will definitely use them again when hiring a car. Zero excess for a great price. Show details
Fast Cover Travel Insurance

Fast Cover Travel Insurance 🏆 2024

4.6  (2,281)
 Summary
David
DavidVIC2 posts
  Domestic Plus
Good value insuranceStraight forward, comprehensive travel insurance, which covers everything I require for peace of mind whilst traveling. Show details ·  1
Seniors Travel Insurance

Seniors Travel Insurance

4.6  (426)
 Summary
Kevwr
KevwrVIC
  Essential Cover
Worldcare Travel Insurance

Worldcare Travel Insurance

4.4  (1,924)
 Summary
Bonnie P.
Bonnie P.
  Comprehensive Plan
DONT Use WORLDCARE!Got insurance from this company cost over $800 our cruise was cancelled the travel company gave a full refund but worldcare would only give a partial 20 percent refund even though we never used there services and didn’t even go on the trip! So disappointing!. Don’t use this company for travel insurance. Show details
1Cover Travel Insurance

1Cover Travel Insurance

4.3  (4,787)
 Summary
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bradleyjayrussell
bradleyjayrussell2 posts
  Comprehensive
TID Travel Insurance Direct

TID Travel Insurance Direct

4.2  (2,575)
 Summary
Samantha
Samantha3 posts
  TID Travel Insurance Direct
Double dipping rip off merchants!!!!Double dipping rip off merchants!!!!

Make you put in multiple claims for one trip, then charge an excess on each claim. Will never use this company again!!! Show details

TID Travel Insurance Direct
TID Travel Insurance Direct   DM   
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Tick Travel Insurance

Tick Travel Insurance

4.0  (2,846)
 Summary
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abudaka1964
abudaka1964
  Verified Tick Travel Insurance - Standard
keep away from themTried to cancel policy, was on phone for 45mins on hold and line went dead
then 2nd time line went dead
3rd time when recorded voice says 50min wait time and now been on hold 1hr 20mins, still no answer. Wont be using them again,
update...now 1.50hrs,
they are bad Show details
InsureandGo Australia

InsureandGo Australia

4.0  (6,257)
 Summary
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SANDEANIE
SANDEANIENSW2 posts
  International Travel Insurance - Silver
There when you need itPolicy was easy to set up, had to make claim as was unable to travel due to Hospitalisation claims officer was very patient & helpful as there was a lot of documentation to obtain, have used this company on all my trips & will continue to do so. Show details
Allianz Travel Insurance

Allianz Travel Insurance

4.0  (3,082)
 Summary
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liv0leath.lilac
liv0leath.lilacNSW
  Comprehensive Plan
PassportCard.com.au

PassportCard.com.au

4.3  (107)
 Summary
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Helen Lavallin
Helen Lavallin
 
ComfortingThankfully I didn’t require to utilise it, but felt safe knowing I had it available if needed. Show details
Travel With Jane

Travel With Jane

4.4  (83)
 Summary
Peter Marshall
Peter MarshallVIC11 posts
  Travel With Jane
Jane Travel InsuranceVery 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
Bupa Travel Insurance

Bupa Travel Insurance

3.9  (140)
 Summary
Evgeny F.
Evgeny F.QLD
  Verified Premium
Paid exactly as promissedPurchased first in my life travel cover for 1 month travel in Alaska in Aug 2023.
$366 premium, 200 excess
Had accident on Turo car share platform rental with AUD5700 bill.
Submitting documents online was quick and easy with same day approval and pay out.
Excellent value. Show details
RACV Travel Insurance

RACV Travel Insurance

3.5  (449)
 Summary
David
DavidVIC
  Travel Care
RefundHad to cancell policy due to cruise cancellation. Very happy with response and quick full refund. THANK YOU. Show details
RAC Travel Insurance

RAC Travel Insurance

3.5  (253)
 Summary
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Graham
Graham
  International Comprehensive
International Travel InsuranceRequested a hard copy of Product disclosure statement Booklet to take O/S when traveling. Advised electronic copy only provided.
Not helpful when you do not have access O/S to this.
Pay for a product and only get electronic info.not happy. Show details
Super Funds Awards 2022!
Super Funds Awards 2022!
Wendy Z.
Wendy Z.
Budget Direct Travel Insurance

Budget Direct Travel Insurance

3.4  (477)
 Summary
Di Davis
Di DavisNSW3 posts
  Comprehensive
Budget Direct
Budget Direct   DM   
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Cover-More Travel Insurance

Cover-More Travel Insurance

3.3  (2,917)
 Summary
FPasigna
FPasignaNSW
  Single Trip
Travel with Kit

Travel with Kit

4.3  (29)
 Summary
Andrew
Andrewsydney32 posts
  Comprehensive
inoperativeThey're pausing the sale of policies but still advertising here their brand with no mentioning of pausing operations. Show details
XCover.com

XCover.com

3.3  (334)
 Summary
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andrew f.
andrew f.VIC2 posts
 
Good reviews a scam, botsScam. Typical insurance company doesn’t want to help or pay anything. All these good reviews are not legit. Just wanted a mediator to recover costs for flight rescheduling & loss of hotel costs, airport transfer costs & class ticket costs but just find excuse to not help.
Will only take this down if they help. Show details
XCover.com
XCover.com   DM   
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SureSave

SureSave

3.4  (166)
 Summary
Grace V.
Grace V.5 posts
  Comprehensive Plan
Increased our premiums then deleted every post I made about a 30 percent increase for renewalWe insurers with this company last year and got a renewal of $800 more this year when I posted what they did they removed all my posts. A 30 % increase is wrong especially when we have never made a claim Found others have been dealt the same from from them also Sure have joined the 10billion $ insurance pool and are yet to pass on the savings Show details
Zoom Travel Insurance

Zoom Travel Insurance

3.3  (107)
 Summary
Jessica Y.
Jessica Y.
  Comprehensive
Easy Travel Insurance

Easy Travel Insurance

4.9  (14)
 Summary
Dee
DeeQLD
  International Premium Plan
Super simple and straight forwardWell, that was Easy!
What a great process, so simple to purchase online even with medical conditions....And when I needed them, they were so good! Show details ·  1
Medibank Travel Insurance

Medibank Travel Insurance

3.0  (236)
 Summary
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Edelcita M.
Edelcita M.WA2 posts
  Travel Insurance - International Comprehensive Plan
Medibank
Medibank   DM   
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Travel Insuranz

Travel Insuranz

3.2  (74)
 Summary
Emma
EmmaNSW5 posts
  Premier Plan
Very happy with this companyRecently went on a cruise where my husband and I caught influenza A and had to isolate the pretty much the entire trip missing all our stops. Put a claim in, the communication was good all the way, 4 weeks after the trip and i had the approval and the payment for my claim into my account. Very happy with the outcome and the company. Show details ·  1
Australia Post Travel Insurance

Australia Post Travel Insurance

2.9  (166)
 Summary
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Julie J.
Julie J.2 posts
  Travel Insurance - International Comprehensive Plan
RAA Travel Insurance

RAA Travel Insurance

2.8  (104)
 Summary
breezy
breezy2 posts
  Domestic
Great experience so farHave just booked some travel insurance with RAA. Realised I had put in the incorrect return date so called them immediately. The person I spoke to was so understanding and helpful. My policy was amended and a refund was organised. So thankful for his help Show details
World Nomads Travel Insurance

World Nomads Travel Insurance

2.7  (286)
 Summary
Dave L.
Dave L.
  Verified Explorer Plan
Go Insurance

Go Insurance

2.8  (19)
 Summary
Don  Wilkie
Don Wilkie
  Fair Incentive Basic
Good Value - Great ServiceThe policy was good value, quoting was easy and the claim was processed in a satisfactory timeframe. Dealing with the claims officer was an excellent experience. Show details ·  1
insure4less

insure4less

2.3  (38)
 Summary
Rob
RobQLD
  Verified Essentials
Freely Travel Insurance

Freely Travel Insurance

2.6  (23)
 Summary
Nicole P.
Nicole P.
 
Fast Cover Travel Insurance
  • 🏆 2024 Award

Fast Cover Travel Insurance

4.6 from 2,281 reviews

Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.

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A model plane sitting atop a passport. Next to it is a small model globe of the world and a stethoscope.

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.

A man walking through an airport terminal wearing a satchel on his shoulder and pulling a suitcase behind him.

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.

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