Best Travel Insurance

Based on 16,470 reviews
Brand
Rating
Coverage Type
Maximum Age Covered
Pregnancy Cover
Overseas Emergency Assistance
Maximum Single Item Limit
Benefits Limit
Luggage & Personal Effects
Limit
Vehicle Coverage
Personal Liability
Motorbike / Moped Coverage
Cruise
Special Activities
Snow / Ski

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Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.6 

Get 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

Southern Cross Travel Insurance 🏆 2026

4.6 
Summary
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Kit - Trish16 posts
 

I have been waiting since the 7th April for a refund as my credit card had expired Southern Cross couldn't refund to that which I find amazing as… Read more

other companies can , so I had to give my bank details instead and was told 5-7 days for the refund but NO it was 1-10 business days when the finance mob got my details which I emailed on the 7th April . Southern Cross my of just said you will get back your money in 10 business from the 13th April because that is how long they made me wait. No very good customer service .

Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.6 
Summary
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Jo L.3 posts
 

Very easy to arrange online. Have used them before and will use Fast Cover again. Travelling with my mum, it's always good to have peace of mind when… Read more

on holiday for those not so welcome ' things happen' but to know you're covered just in case, adds that extra layer of comfort when away from home enjoying ourselves.

InsureandGo Australia

InsureandGo Australia 🏆 2026

4.2 
Summary
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Norman
 

Very easy to navigate website and purchase policy online, policy has all we need for pacific cruise. Show details

Tick Travel Insurance

Tick Travel Insurance 🏆 2026

4.3 
Summary
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Seb4 posts
 

First time using Tick as our travel insurer and we found the process so easy, quick yet comprehensive. Price was great and covered everything we needed. Show details

1Cover Travel Insurance

1Cover Travel Insurance

4.2 
Summary
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Brian Gare4 posts
  Verified

I know this is from 2020 during covid but since 1 Cover have seen fit to ignore my email and not answer their phones I feel compelled to share my… Read more

thoughts on this company. I requested a refund or credit after paying for travel insurance to NZ due to border closures with covid. I sent an email and the reply was they will get back to me as soon as possible. I then tried to phone to talk to someone and there was no answer. I've still had no reply and they still have my money even though the policy could not be claimed against and was not fit for purpose. So if you want to be ghosted and loose your money then by all means go with this company. My wife and I have travelled extensively since then and I will never use or recommend 1 Cover.

Worldcare Travel Insurance

Worldcare Travel Insurance

4.4 
Summary
Geoff37 posts
  Verified

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

TID Travel Insurance Direct

4.1 
Summary
StewartQLD11 posts
 

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.

TID Travel Insurance Direct
TID Travel Insurance Direct    

Hi Stewart, Thank you for taking the… Read more (+1 reply)

PassportCard.com.au

PassportCard.com.au

4.7 
Summary
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Peter Veal
 

Good to have cover for the full costs of the trip Show details

Freely Travel Insurance

Freely Travel Insurance 🏆 2026

4.4 
Summary
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Greg K.2 posts
 

3rd time using Freely for a ski trip and couldn’t be happier. Bugs with the App from last year have been ironed out and this time was great. The… Read more

daily boost concept, and flexibility it offers especially for skiers is, in my opinion, an industry leader. Only one comment for consideration is the use of Australian date/time for boost add ons and deletions. I was in Canada and wanted to cancel a ski day but because Australia was 18 hours ahead, I couldn’t cancel that day as that day had already commenced (just) in Australia, this is also a grey area, if I had to claim for an incident on the Canadian day, but it was not that same day in Australia i.e. it was one day later in Australia am I covered? If this type of situation could be clarified for the daily boost concept I would rate Freely 5 stars!

Seniors Travel Insurance

Seniors Travel Insurance

4.6 
Summary
ShaneNSW7 posts
 

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 “.

Australian Seniors
Australian Seniors    

Hi Shane, Thank you for taking the time to… Read more

Allianz Travel Insurance

Allianz Travel Insurance

3.7 
Summary
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Sharon2 posts
 

Cancelled the policy weeks before the planned overseas trip and received less than 20% of the premium back. Don’t bother with this company. Show details

Cover-More Travel Insurance

Cover-More Travel Insurance

3.6 
Summary
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Yianni
 

We had planned an amazing trip to Fiji in early April 2026, staying at a beach resort at Oarsman's Bay Lodge Unfortunately, on arrival we were… Read more

advised that a Cyclone was incoming and ended up being in lockdown for 2 days and unable to get to our resort (5 hours off the mainland coast) Once the Cyclone had cleared we had to abandon plans for our resort and book alternative accommodation for the remainder of our time in Fiji. Cover-More covered the cost of accommodation at the Oarsman's Bay Loge and the claim process was efficient and seemles.....

ReadySet Insurance

ReadySet Insurance

4.8 
Summary
Stephen Groom
 

Smooth and easy online process, more importantly good competitive pricing for the policy we needed Show details

Zoom Travel Insurance

Zoom Travel Insurance

4.1 
Summary
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Mum of 2 teensQueensland9 posts
  Verified

Really easy and quick to purchase online. Thankfully no need to make a claim. Will definitely use Zoom travel insurance again. Show details

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c n.
 

Used a technicality to avoid payout following a death in the family. Left a very sour taste in the mouth Show details

ahm Travel Insurance

ahm Travel Insurance

4.3 
Summary
BarryQLD
  Verified

First try at arranging our own Travel Insurance. First time with AHM. Hopefully got it all right. Appears to be beneficial to us arranging with our… Read more

own Health Fund than relying on Travel Agent to arrange on our behalf ( Certainly cost wise). Travelling scheduled for September 2026 to Vietnam

Travel With Jane

Travel With Jane

4.4 
Summary
Peter MarshallVIC13 posts
 

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

RACV Travel Insurance

3.3 
Summary
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briggsyVIC2 posts
  Verified

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

Budget Direct Travel Insurance

3.2 
Summary
KrisNSW
 

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

Budget Direct
Budget Direct    

Hello Kris. I'm sorry to hear you have been… Read more (+1 reply)

RAC Travel Insurance

RAC Travel Insurance

3.3 
Summary
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Lorraine MatheouWA3 posts
 

Dealing with Craig D'sa is such a pleasure because he is always very polite, helpful and knowledgeable. Show details

Easy Travel Insurance

Easy Travel Insurance

4.7 
Summary
Walter
 

Getting cover for my sister to visit was so simple, and I could actually talk to them... even though I realised I knew the answer before my call was answered. Show details

SureSave

SureSave

3.2 
Summary
Neil63 posts
 

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

Bupa Travel Insurance

3.1 
Summary
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Annalise L.VIC
  Verified

Assistants were rude and determined $100 "fair" compensation for $800 worth of damage. Show details

Medibank Travel Insurance

Medibank Travel Insurance

2.7 
Summary
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Gavin68 posts
  Verified

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.

Medibank
Medibank    

Hi Gavin. I am very sorry to hear about your experience.… Read more (+2 replies)

RAA Travel Insurance

RAA Travel Insurance

2.9 
Summary
FrankSA
 

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

Travel Insuranz

2.9 
Summary
Chleo P.
  Verified

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

XCover.com

2.2 
Summary
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N Nguyen11 posts
 

I bought x cover with my flights, through booking.com. Then my travel date changed. I contacted them so many times to ask to amend the period of… Read more

insurance. Someone responded telling me that I can change it online. I tried, it didnt work. I emailed and emailed again, still no response. Then I made my trip, bought insurance from other company (technically paid double for insurance). Then on the very last day of my trip they responded saying “it’s not possible to amend the date”. Luckily I didnt wait for them to reply or I would have been left uninsured for my trip. I definitely will not use this company again and do mot recommend this company.

XCover.com
XCover.com    

Hi N Nguyen​,​ Thank you for sharing your feedback… Read more

World2Cover

World2Cover

2.6 
Summary
Danielle
 

Run don’t waste your money, there is a reason this company is cheap because they’re nasty as well. Several flight delays that caused us to miss… Read more

booked tours, paid for accommodation. Several documents were submitted as evidence but this company play hard play and decline claims. Avoid at all costs, pay the extra go elsewhere

World Nomads Travel Insurance

World Nomads Travel Insurance

2.3 
Summary
BiancaVIC3 posts
 

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

Australia Post Travel Insurance

2.4 
Summary
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JessWA2 posts
  Fair Incentive

Friendly staff at the post. Read through the booklet. Coverage of the insurance not very reasonable compare to others. Show details

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Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.6 

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

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.

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.