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...

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Maximum Age CoveredWe have used "101" where no age limit was outlined by the provider.
At least 49 years old
49 years old

Pregnancy Cover

Overseas Emergency AssistanceAn amount for the cost of unforeseen emergency medical and hospital treatment overseas.

Maximum Single Item LimitThis is the highest amount you can claim for a single item. This may be restricted to a certain type of product (e.g. Electronics). Please check the PDS for details.
At least $250
$250

Benefits LimitTypically covers your baggage and personal effects from theft, damage, or loss.
At least $500
$500

Luggage & Personal EffectsTypically covers your baggage and personal effects from theft, damage, or loss.

LimitAmount for any rental vehicle insurance excess you become liable to pay as a result of damage to, or theft of, a rental vehicle. Check PDS for details.
At least $1,000
$1,000

Vehicle CoverageRental vehicle insurance excess you become liable to pay as a result of damage to, or theft of, a rental vehicle. Check PDS for details.

Personal LiabilityYour legal liability for payment of compensation regarding death or bodily injury, or damage to property of other persons. Check PDS for details.
At least $60,000
$60,000

Motorbike / Moped CoverageEngine size for included coverage may vary greatly (e.g. 50cc - 250cc). Check PDS for details.

Cruise

Special ActivitiesSelect which activities you are interested in. May be included or an optional extra.

Snow / Ski

Based on 36,989 Travel Insurance reviews
Fast Cover Travel Insurance
  • Award Winner 2023

Fast Cover Travel Insurance

4.6 from 2,085 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
  • Award Winner 2023

Southern Cross Travel Insurance

 · includes 5 listings
4.7 from 3,007 reviews

Southern Cross Travel Insurance offers domestic travel insurance and two types of overseas travel insurance, for single trips or an annual policy, if you travel multiple times per year.

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Good value for money
Accommodating customer service
Transparent policies
  • Transparency
    4.4 (414)
  • Customer Service
    4.4 (463)
  • Value for Money
    4.4 (483)
  • Type of ClaimMedical (93), Lost/Stolen Property (39), Travel Delays/Cancellations (88), Car/Rental Hire Excess (12), Personal Liability (5) and Other (20)
  • Claim ApprovedYes (224) · No (22)
  • UnderwriterSouthern Cross Benefits Ltd
  • Maximum Ages Covered 118 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency Dental$2,000 and Not Included
  • Pregnancy (max weeks) 20 weeks and 24 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $500 and Not Included
  • Luggage & Personal Effects $15,000, $25,000 and Not Included
  • Personal Liability $1,000,000 to $2,500,000
Fast Cover Travel Insurance
  • Award Winner 2023

Fast Cover Travel Insurance

 · includes 6 listings
4.6 from 2,085 reviews

FastCover provides 5 different levels of cover, which includes a Basics policy all the way to a multi-trip policy if you travel frequently. Loyal reviewers appreciate the transparency and helpful customer service they receive from Fast Cover.

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Affordable premiums
Simple application process
Outstanding customer service
  • Transparency
    4.5 (862)
  • Customer Service
    4.6 (856)
  • Value for Money
    4.5 (1,064)
  • Type of ClaimMedical (79), Lost/Stolen Property (26), Travel Delays/Cancellations (48), Car/Rental Hire Excess (4), Personal Liability (3) and Other (13)
  • Claim ApprovedYes (133) · No (22)
  • UnderwriterUnderwritten by certain underwriters at Lloyd's
  • Maximum Ages Covered 69 years old to 89 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency Dental$1,000, $500, $750 and Not Included
  • Pregnancy (max weeks) 23 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $5,000, $7,500, $15,000 and Optional up to $2,000
  • Personal Liability $1,000,000 to $5,000,000
Seniors Travel Insurance
  • Award Winner OVERALL INSURANCE 2023

Seniors Travel Insurance

 · includes 3 listings
4.6 from 425 reviews

Dedicated to Australians over 50 years old, Seniors Travel Insurance covers up to 31 pre-existing medical conditions, for extra peace of mind while travelling.

No age limit for single trips
Pre-existing medical cover
Friendly for children and grandchildren
  • Transparency
    4.5 (292)
  • Customer Service
    4.6 (304)
  • Value for Money
    4.4 (318)
  • Type of ClaimMedical (10), Lost/Stolen Property (1) and Travel Delays/Cancellations (1)
  • Claim ApprovedYes (17) · No (1)
  • UnderwriterHollard
  • Maximum Ages Covered 89 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency Dental$1,000, $5,000 and Not Included
  • Pregnancy (max weeks) 24 weeks (pending assessment)
  • Overseas Emergency Medical & Hospital ExpensesNot Included
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $5,000 and $15,000
  • Personal Liability $1,000,000 to $3,000,000
RentalCover.com
4.6 from 731 reviews

Latest review: J'ai réclamé, à deux reprises, la réparation facturée par Europcar (828,60 euros) auprès de RentalCover. J'avais souscris à la couverture Premium 0 franchise. La première réclamation a été faite il y

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    4.5 (459)
  • Customer Service
    4.5 (448)
  • Value for Money
    4.6 (525)
  • Type of ClaimLost/Stolen Property (2), Car/Rental Hire Excess (297), Personal Liability (2) and Other (32)
  • Claim ApprovedYes (318) · No (16)
  • UnderwriterAssetinsure
  • Maximum Ages Covered 99 years old
  • Overseas Emergency Assistance Not Included
  • Emergency DentalNot Included
  • Overseas Emergency Medical & Hospital ExpensesNot Included
  • Theft of Cash Not Included
  • Luggage & Personal Effects Not Included
Worldcare Travel Insurance

Worldcare Travel Insurance

 · includes 5 listings
4.4 from 1,922 reviews

Worldcare offers four main policies for domestic travel insurance, Essentials or Comprehensive coverage for international trips, and an international multi-trip policy. Overseas emergency assistance and a 24/7 emergency call centre is among its attractive offerings.

Competitively priced premiums
Covers range of pre-existing medical conditions
Quick and easy claims process
  • Transparency
    4.2 (149)
  • Customer Service
    4.4 (178)
  • Value for Money
    4.3 (196)
  • Type of ClaimMedical (12), Lost/Stolen Property (5), Travel Delays/Cancellations (10), Car/Rental Hire Excess (4) and Other (6)
  • Claim ApprovedYes (22) · No (7)
  • UnderwriterAllianz
  • Maximum Ages Covered 75 years old to 101 years old
  • Overseas Emergency Assistance Not Included and Unlimited*
  • Emergency Dental$1,000, Not Included and Unlimited
  • Pregnancy (max weeks) 23 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited*
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $5,000, $10,000 and Not Included
  • Personal Liability $2,500,000
1Cover Travel Insurance

1Cover Travel Insurance

 · includes 5 listings
4.3 from 4,747 reviews

Latest review: We have been very disappointed with 1cover insurance as always trying to wriggle out of their insurance responsibilities and not pay out genuine customers!! Beware 1cover you are NOT covered

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    3.4 (446)
  • Customer Service
    3.6 (504)
  • Value for Money
    3.6 (516)
  • Type of ClaimMedical (79), Lost/Stolen Property (37), Travel Delays/Cancellations (59), Car/Rental Hire Excess (11), Personal Liability (3) and Other (22)
  • Claim ApprovedYes (112) · No (70)
  • UnderwriterLloyd's
  • Maximum Ages Covered 74 years old to 101 years old
  • Overseas Emergency Assistance Not Covered and Unlimited
  • Emergency Dental$1,000, $500 and Not Included
  • Pregnancy (max weeks) 24 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $5,000, $15,000 and Not Included
  • Personal Liability $5,000,000
TID Travel Insurance Direct

TID Travel Insurance Direct

 · includes 4 listings
4.2 from 2,575 reviews

Latest review: My son's suitcase disappeared from the train we were travelling on in Germany. It simply wasn't there when we went to get off the train. We immediately informed the train company. All our

  • Transparency
    2.7 (100)
  • Customer Service
    2.6 (110)
  • Value for Money
    2.8 (110)
  • Type of ClaimMedical (27), Lost/Stolen Property (19), Travel Delays/Cancellations (33), Car/Rental Hire Excess (2) and Other (10)
  • Claim ApprovedYes (40) · No (34)
  • UnderwriterXL Insurance Company SE
  • Maximum Ages Covered 74 years old
  • Overseas Emergency Assistance Unlimited
  • Emergency Dental$1000 and Not Included
  • Pregnancy (max weeks) 26 weeks
  • Overseas Emergency Medical & Hospital ExpensesUnlimited
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $2,000, $4,000 and $12,000
  • Personal Liability $300,000 to $2,500,000
Tick Travel Insurance

Tick Travel Insurance

 · includes 7 listings
4.0 from 2,720 reviews

Tick Travel Insurance offers domestic travel insurance and single-trip travel insurance for those needing cover for their next getaway.

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Competitive rates
Easy to set up
  • Transparency
    3.9 (1,201)
  • Customer Service
    3.9 (1,279)
  • Value for Money
    4.2 (1,530)
  • Type of ClaimMedical (103), Lost/Stolen Property (42), Travel Delays/Cancellations (108), Car/Rental Hire Excess (3), Personal Liability (2) and Other (33)
  • Claim ApprovedYes (143) · No (144)
  • UnderwriterMitsui Sumitomo
  • Maximum Ages Covered 69 years old to 100 years old
  • Overseas Emergency Assistance Not Applicable and Unlimited
  • Emergency Dental500 and Not Included
  • Pregnancy (max weeks) 32 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Applicable and Unlimited
  • Theft of Cash $250, $300 and Not Included
  • Luggage & Personal Effects $2,000, $2,500, $3,000, $4,000 and $7,500
  • Personal Liability $1,000,000 to $3,000,000
InsureandGo Australia

InsureandGo Australia

 · includes 12 listings
4.0 from 6,134 reviews

InsureandGo Australia is a travel insurance company that offers one-trip travel insurance, annual multi-trip travel insurance, cruise travel insurance, and more.

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Competitive pricing
Easy to set up policy
Helpful, efficient customer service
Exclusions sometimes not made very clear
  • Transparency
    3.7 (1,949)
  • Customer Service
    3.8 (2,143)
  • Value for Money
    3.9 (2,479)
  • Type of ClaimMedical (246), Lost/Stolen Property (87), Travel Delays/Cancellations (248), Car/Rental Hire Excess (18), Personal Liability (6) and Other (86)
  • Claim ApprovedYes (375) · No (240)
  • UnderwriterMitsui Sumitomo
  • Maximum Ages Covered 64 years old to 100 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency Dental500 and Not Included
  • Pregnancy (max weeks) 32 weeks and Not Included
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited
  • Theft of Cash $200, $250, $300, $500 and Not Included
  • Luggage & Personal Effects $2,000 (excluding electronic devices and valuables), $2,000 (excluding laptops, tablets, mobile phones, cameras and video cameras), $3,000, $5,000, $6,000 and $8,000
  • Personal Liability $1,500,000 to $5,000,000
Allianz Travel Insurance

Allianz Travel Insurance

 · includes 4 listings
4.0 from 3,064 reviews

Allianz Travel Insurance offers a range of travel cover options, such as domestic travel insurance, basic travel insurance, comprehensive travel insurance, and multi-trip travel insurance.

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Quick and easy to set up
Claims settled efficiently
  • Transparency
    3.8 (608)
  • Customer Service
    3.9 (661)
  • Value for Money
    3.9 (717)
  • Type of ClaimMedical (58), Lost/Stolen Property (25), Travel Delays/Cancellations (68), Car/Rental Hire Excess (4), Personal Liability (3) and Other (23)
  • Claim ApprovedYes (82) · No (70)
  • UnderwriterAllianz
  • Maximum Ages Covered 74 years old to 101 years old
  • Overseas Emergency Assistance Not Included and Unlimited*
  • Pregnancy (max weeks) 23 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited*
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $10,000 and Not Included
  • Personal Liability $2,500,000 to $5,000,000
Travel With Jane

Travel With Jane

 · includes 4 listings
4.4 from 83 reviews

Latest review: 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

  • Transparency
    4.5 (31)
  • Customer Service
    4.3 (33)
  • Value for Money
    4.4 (34)
  • Type of ClaimMedical (2), Lost/Stolen Property (1), Travel Delays/Cancellations (7) and Other (1)
  • Claim ApprovedYes (8) · No (2)
  • UnderwriterLloyd's
  • Maximum Ages Covered 99 years old
  • Overseas Emergency Assistance $5,000, $15,000, $25,000 and Not Covered
  • Emergency Dental$2,000, $500 and Not Included
  • Pregnancy (max weeks) Optional cover for up to 32 weeks and Optional for up to 32 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $1,000, $300 and Not Included
  • Luggage & Personal Effects $2,000, $10,000 and Not Included
  • Personal Liability $1,000,000 to $3,000,000
PassportCard.com.au
4.2 from 81 reviews

Latest review: Great cover at affordable prices that fit our needs.

  • Transparency
    4.1 (64)
  • Customer Service
    4.1 (66)
  • Value for Money
    4.0 (63)
  • Type of ClaimMedical (12), Lost/Stolen Property (8), Travel Delays/Cancellations (11) and Other (4)
  • Claim ApprovedYes (35) · No (6)
  • Maximum Ages Covered 85 years old
  • Overseas Emergency Assistance Unlimited
  • Pregnancy (max weeks) 26 weeks
  • Overseas Emergency Medical & Hospital ExpensesUnlimited
  • Theft of Cash Up to $350
  • Personal Liability $5,000,000
Bupa Travel Insurance

Bupa Travel Insurance

 · includes 4 listings
3.9 from 140 reviews

Latest review: Purchased 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

  • Transparency
    2.4 (8)
  • Customer Service
    2.6 (9)
  • Value for Money
    2.8 (9)
  • Type of ClaimMedical (5), Travel Delays/Cancellations (1) and Car/Rental Hire Excess (1)
  • Claim ApprovedYes (6) · No (1)
  • UnderwriterInsurance Australia Limited
  • Maximum Ages Covered 85 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency DentalNot Included and Unlimited
  • Pregnancy (max weeks) 24 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited
  • Theft of Cash $250, $500 and Not Included
  • Luggage & Personal Effects $7,500, $10,000, $15,000 and $20,000
  • Personal Liability $2,000,000 to $5,000,000
RACV Travel Insurance

RACV Travel Insurance

 · includes 5 listings
3.5 from 427 reviews

Latest review: I received a form letter saying I might be eligible for a refund of the money I paid for a travel insurance policy in 2021 that I never used. Despite following the instructions in the letter

  • Transparency
    3.3 (167)
  • Customer Service
    3.6 (198)
  • Value for Money
    3.5 (203)
  • Type of ClaimMedical (23), Lost/Stolen Property (9), Travel Delays/Cancellations (26), Car/Rental Hire Excess (3) and Other (6)
  • Claim ApprovedYes (29) · No (32)
  • UnderwriterTokio Marine & Nichido Fire Insurance
  • Maximum Ages Covered 110 years old
  • Overseas Emergency Assistance $5,000, $25,000, Not Covered and Unlimited
  • Emergency Dental$2,000, $500, Not Included and Unlimited
  • Pregnancy (max weeks) 26 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $250, $500 and Not Included
  • Luggage & Personal Effects $2,000, $7,500 and $15,000
  • Personal Liability $10,000,000
XCover.com
3.5 from 307 reviews

Latest review: Cancelled my trip and tried to cancel my cover for a refund. Online access only. No phone number I can call. Each time I try to cancel my cover through their website, they treat it as a claim. I have

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    3.2 (205)
  • Customer Service
    3.2 (201)
  • Value for Money
    3.4 (215)
  • Type of ClaimMedical (33), Lost/Stolen Property (5), Travel Delays/Cancellations (40), Car/Rental Hire Excess (1), Personal Liability (2) and Other (23)
  • Claim ApprovedYes (44) · No (56)
Super Funds Awards 2022!
Super Funds Awards 2022!
Wendy Z.
Wendy Z.
RAC Travel Insurance

RAC Travel Insurance

 · includes 5 listings
3.5 from 245 reviews

Latest review: Always good value, easy to setup, reassuring to have in

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    3.5 (117)
  • Customer Service
    3.6 (140)
  • Value for Money
    3.5 (137)
  • Type of ClaimMedical (20), Lost/Stolen Property (13), Travel Delays/Cancellations (23), Car/Rental Hire Excess (2), Personal Liability (2) and Other (4)
  • Claim ApprovedYes (28) · No (25)
  • UnderwriterTokio Marine & Nichido Fire Insurance
  • Maximum Ages Covered 110 years old
  • Overseas Emergency Assistance Not Covered and Unlimited
  • Emergency Dental$2,000, $500, Not Included and Unlimited
  • Pregnancy (max weeks) 26 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $250, $500 and Not Included
  • Luggage & Personal Effects $2,000, $7,500 and $15,000
  • Personal Liability $10,000,000
Budget Direct Travel Insurance

Budget Direct Travel Insurance

 · includes 5 listings
3.4 from 475 reviews

Latest review: Deducted amount twice and now have to go through a long winded process of having my case investigated and amounts refunded. Website is useless and took the funds twice from my card with no

  • Transparency
    2.7 (171)
  • Customer Service
    2.8 (186)
  • Value for Money
    3.0 (203)
  • Type of ClaimMedical (16), Lost/Stolen Property (7), Travel Delays/Cancellations (55), Car/Rental Hire Excess (3), Personal Liability (2) and Other (19)
  • Claim ApprovedYes (19) · No (69)
  • UnderwriterAuto & General Insurance
  • Maximum Ages Covered 74 years old to 100 years old
  • Overseas Emergency Assistance Not Covered and Unlimited
  • Emergency DentalNot Included and Unlimited
  • Pregnancy (max weeks) Not Included
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $250, $400 and Not Included
  • Luggage & Personal Effects $2,500, $5,000 and $7,500
  • Personal Liability $1,000,000 to $5,000,000
Cover-More Travel Insurance

Cover-More Travel Insurance

 · includes 7 listings
3.3 from 2,878 reviews

Operating for over 35 years, Cover-More Travel Insurance offers annual multi-trip travel insurance, domestic travel insurance, cruise travel insurance, as well as insurance for adventure activies.

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Helpful customer service
Easy to apply
Can take a while to finalise claims
  • Transparency
    2.1 (569)
  • Customer Service
    2.1 (642)
  • Value for Money
    2.2 (615)
  • Type of ClaimMedical (156), Lost/Stolen Property (64), Travel Delays/Cancellations (149), Car/Rental Hire Excess (13), Personal Liability (4) and Other (53)
  • Claim ApprovedYes (157) · No (207)
  • UnderwriterZurich
  • Maximum Ages Covered 99 years old
  • Overseas Emergency Assistance Unlimited
  • Emergency Dental$2,000, $2,500 and Unlimited
  • Pregnancy (max weeks) Optional cover for up to the 24th week
  • Overseas Emergency Medical & Hospital Expenses$1,000,000, Not Covered and Unlimited
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $5,000, $15,000 and Not Included
  • Personal Liability $2,500,000
Zoom Travel Insurance

Zoom Travel Insurance

 · includes 5 listings
3.6 from 95 reviews

Latest review: Due to changes to my wifes work we had to cancel a trip, when I went to claim for paid for accommodation that wouldn't reimburse or credit us Zoom rejected our claim. I would have thought travel

  • Transparency
    3.8 (73)
  • Customer Service
    3.8 (79)
  • Value for Money
    3.8 (78)
  • Type of ClaimMedical (11), Lost/Stolen Property (6), Travel Delays/Cancellations (12), Car/Rental Hire Excess (2) and Other (3)
  • Claim ApprovedYes (16) · No (14)
  • UnderwriterLloyd's
  • Maximum Ages Covered 69 years old to 85 years old
  • Overseas Emergency Assistance Not Included and Unlimited
  • Emergency Dental$500 and Not Included
  • Pregnancy (max weeks) 24 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Included and Unlimited
  • Theft of Cash $250 and Not Included
  • Luggage & Personal Effects $7,500 and Not Included
  • Personal Liability $2,500,000 to $5,000,000
Travel with Kit

Travel with Kit

 · includes 4 listings
4.3 from 29 reviews

Latest review: They're pausing the sale of policies but still advertising here their brand with no mentioning of pausing

  • Transparency
    4.3 (24)
  • Customer Service
    4.4 (26)
  • Value for Money
    4.5 (25)
  • Type of ClaimLost/Stolen Property (1), Travel Delays/Cancellations (10) and Other (2)
  • Claim ApprovedYes (11) · No (3)
  • UnderwriterLloyd's
  • Maximum Ages Covered 69 years old
  • Overseas Emergency Assistance $5,000, $15,000, $25,000 and Not Covered
  • Emergency Dental$2,000, $500 and Not Included
  • Pregnancy (max weeks) Not Included, Optional cover for up to 32 weeks and Optional cover up to 32 weeks
  • Overseas Emergency Medical & Hospital ExpensesNot Covered and Unlimited
  • Theft of Cash $1,000, $300 and Not Included
  • Luggage & Personal Effects $2,000, $10,000 and Not Included
  • Personal Liability $1,000,000 to $3,000,000
Fast Cover Travel Insurance
  • Award Winner 2023

Fast Cover Travel Insurance

4.6 from 2,085 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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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.

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

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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