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...
- 🏆 2024 Award
Fast Cover Travel Insurance
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 🏆 2024
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From my first phone call, very helpful and made the whole process much easier… Show details
RentalCover.com 🏆 2024
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Fast Cover Travel Insurance 🏆 2024
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Seniors Travel Insurance
Worldcare Travel Insurance
1Cover Travel Insurance
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TID Travel Insurance Direct
Tick Travel Insurance
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InsureandGo Australia
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Allianz Travel Insurance
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Travel With Jane
PassportCard.com.au
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Bupa Travel Insurance
$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
RAC Travel Insurance
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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
Budget Direct Travel Insurance
Hello Di. Thanks for posting your feedback. I'm sorry to hear you are having trouble getting the documents and understand the frustration this is causing. Our specialist Travel team will be happy to a... Read more
ssist further with any enquiries you have about our products and assist with resending these documents. Whilst they are not available to assist via this Facebook message service you may contact them on 1300 792 001 (within Australia), +61 2 8907 5079 (from overseas) or via email at budgetdirect@travelinsurancepartners.com.au I hope you enjoy your holiday. Take care. *EveXCover.com
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Hi Tara, Thank you for your enquiry... Read more
. Your enquiry has been escalated. Please allow time for your claim to be assessed based on the evidence and information you provided, and the inclusions and exclusions outlined in your wording. We’ll reach out via email as soon as your claim progresses. We appreciate your patience during this process, The XCover TeamCover-More Travel Insurance
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Travel with Kit
SureSave
Zoom Travel Insurance
Easy Travel Insurance
Medibank Travel Insurance
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Hi Edelcita. Thank you for bringing your experience to our attention. We are sorry for any inconvenience caused. We have reached out in a private message to offer assistance. We appreciate your loyalt... Read more
y over many years. Kind regards the team at Medibank.Travel Insuranz
Australia Post Travel Insurance
World Nomads Travel Insurance
I missed a flight and they denied my claim. They have a vague clause that claims deniability if they determine the airline has control over your del... Read moreay. There's no visibility on how they determine that. Its as close to a scam as I have seen, pity for me I didn't see it before I paid.
RAA Travel Insurance
Go Insurance
insure4less
Finally my claim just approved it take almost 3 months
CGU Travel Insurance
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Hi Dee, thank you for taking time in leaving a review. Unfortunately, it is a little difficult to comment without knowing all the particular of your claim. We take all feedback into consideration and... Read more
hopefully your issue be resolved soon through AFCA. ~ Paul- 🏆 2024 Award
Fast Cover Travel Insurance
Get 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 there, we're sorry to hear that you weren't happy with your claim outcome. I am sending you a request for further information so we can escalate your case with our claims team, and someone should b... Read more
e in touch soon to discuss this further with you. Kind regards, Leah - TID