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...

315 listings
Ad
Fast Cover Travel Insurance
  • Award Winner 2022

Fast Cover Travel Insurance

 · includes 6 listings
4.5 from 1,215 reviews

Featured review: Very easy to purchase and had no problems at all deciding policy Staff member was very informative. Have used Fast cover many times Will definitely keep using Fast Cover While travelling

Affordable premiums
Simple application process
Outstanding customer service
  • Transparency
    4.5 (332)
  • Customer Service
    4.5 (378)
  • Value for Money
    4.5 (441)
  • Type of ClaimMedical (61), Lost/Stolen Property (18), Travel Delays/Cancellations (28), Car/Rental Hire Excess (3), Personal Liability (2) and Other (9)
  • Claim ApprovedYes (101) · No (17)
  • UnderwriterHollard
  • Maximum Ages Covered 64 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 $1,000,000.00 to $5,000,000.00

Best Travel Insurance

Southern Cross Travel Insurance

Southern Cross Travel Insurance

 · includes 2 listings
4.7 from 2,772 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.

Good value for money
Accommodating customer service
Transparent policies
  • Transparency
    4.4 (229)
  • Customer Service
    4.4 (271)
  • Value for Money
    4.4 (284)
  • Type of ClaimMedical (42), Lost/Stolen Property (25), Travel Delays/Cancellations (47), Car/Rental Hire Excess (9), Personal Liability (2) and Other (19)
  • Claim ApprovedYes (125) · No (18)
  • UnderwriterSouthern Cross
  • Maximum Ages Covered 101 years old
  • Overseas Emergency Assistance Unlimited
  • Emergency Dental$750
  • Pregnancy (max weeks) 24 weeks
  • Overseas Emergency Medical & Hospital ExpensesUnlimited
  • Theft of Cash $500
  • Luggage & Personal Effects $25,000
  • Personal Liability $1,000,000.00
2nd Best Travel Insurance
Seniors Travel Insurance
  • Award Winner 2022
  • 2021

Seniors Travel Insurance

 · includes 3 listings
4.7 from 424 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 (291)
  • 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 $10,000 (Domestic Only) 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 $1,000,000.00 to $3,000,000.00
3rd Best Travel Insurance
Fast Cover Travel Insurance
  • Award Winner 2022

Fast Cover Travel Insurance

 · includes 6 listings
4.5 from 1,215 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 the insurer.

Affordable premiums
Simple application process
Outstanding customer service
  • Transparency
    4.5 (332)
  • Customer Service
    4.5 (378)
  • Value for Money
    4.5 (441)
  • Type of ClaimMedical (61), Lost/Stolen Property (18), Travel Delays/Cancellations (28), Car/Rental Hire Excess (3), Personal Liability (2) and Other (9)
  • Claim ApprovedYes (101) · No (17)
  • UnderwriterHollard
  • Maximum Ages Covered 64 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 $1,000,000.00 to $5,000,000.00
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.

Tripcover
4.7 from 132 reviews

Tripcover no longer sells rental vehicle excess insurance in Australia.

Related Articles

Previous
Travel insurance and COVID-19: what you need to know

For many, international travel is back on the cards. Getting travel insurance that covers COVID-19 related events can give you peace of mind so that you can enjoy your trip while being safe, smart, and prepared - and you should know what to look out for before you shop around.

Clara V.
Clara V.22 Apr 2022
travel-insurance-and-covid-19-what-you-need-to-know
Super Funds Awards 2022!

A good super fund can make a substantial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2022.

Wendy Z.
Wendy Z.12 Jan 2022
super-funds-awards-2020
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
credit-card-awards-2020
Next
Online Travel Insurance

Online Travel Insurance

 · includes 5 listings
4.4 from 1,036 reviews

Online Travel Insurance, underwritten by Allianz, has temporarily stopped selling travel insurance products as of 27th March 2020.

1Cover Travel Insurance

1Cover Travel Insurance

 · includes 5 listings
4.3 from 4,540 reviews

Latest review: I bought the cover with this company for several years . On my last trip my computer got damaged and so I put a claim in. I had a very chirpy girl call me about the claim who concluded in writing

TID Travel Insurance Direct

TID Travel Insurance Direct

 · includes 4 listings
4.2 from 2,555 reviews

Latest review: I've used TID for years. I have only had to make a claim once, and processing it went smoothly. This is about my most recent experience. Due to a death in the family I had to push my travel date

Allianz Travel Insurance

Allianz Travel Insurance

 · includes 4 listings
4.1 from 2,956 reviews

Latest review: I have tried to contact by phone 4 times now at varying times of day. Qantas has changed my flights and my policy needs a simple date change by 1 day. Twice I have up after about 25 minutes on hold

Travel With Jane

Travel With Jane

 · includes 4 listings
4.5 from 80 reviews

Latest review: Easy to arrange the Policy this time and for our recently taken trip to Darwin on The Ghan. Thankfully did not have to make a claim, but happy to use this company

Columbus Direct

Columbus Direct

 · includes 6 listings
4.1 from 176 reviews

Latest review: Have used this company for a few years. No problems - until i had to make a claim after major holiday catastrophes. Then suddenly no one wanted to talk to you and only a fraction of the expenses have

InsureandGo Australia

InsureandGo Australia

 · includes 12 listings
3.9 from 4,886 reviews

Latest review: Yet to travel overseas. We have used insureandgo a number of times over the years so we'll see how this trip fares. No claims made to date. The process to obtain the insurance was

Tick Travel Insurance

Tick Travel Insurance

 · includes 7 listings
3.8 from 1,671 reviews

Latest review: Horrible customer service, once my policy was purchased, it was impossible to get in touch with customer service to amend it. I've been waiting for 3 months for an answer. I cannot imagine how things

Woolworths Travel Insurance

Woolworths Travel Insurance

 · includes 8 listings
3.8 from 225 reviews

Latest review: I purchased travel insurance from Woolies Insurance in March for a flight to New Zealand that was supposed to happen in April-May, however, due to the Coronavirus border restrictions I ended up

Bupa Travel Insurance

Bupa Travel Insurance

 · includes 4 listings
3.9 from 135 reviews

Latest review: I don't recommend bupa travel insurance! We were suppose to have a holiday to the Philippines 2 years ago but because of Covid this was cancelled. In the course of almost 2 years I was contacting

Related Articles

Previous
What Is Peer-To-Peer Lending?

Peer-to-peer lending is quickly gaining popularity among Australian borrowers and investors. If you've never heard of it before, this 2 minute read will give you a quick rundown so you can decide if P2P lending is right for you.

Nathan S.
Nathan S.14 Nov 2019
what-is-peer-to-peer-lending
Next
TravelCard Real-Time Travel Insurance

Latest review: Orr policy has been great value, I was recently on the gold coast when i lost my car keys in the ocean as forgot they were in my pocket when I was thrown in after mucking around on the beach. I

Zoom Travel Insurance

Zoom Travel Insurance

 · includes 5 listings
4.1 from 61 reviews

Latest review: The Airline cancelled one of our flights and rebooked us on a latter flight that would not arrive in time to board a connecting flight, total mess. Trip.com stalling on refund. Emailed Zoom 3 times

RAC Travel Insurance

RAC Travel Insurance

 · includes 5 listings
3.7 from 172 reviews

Latest review: I did a fair bit of research - this policy is best value for me. Covers all of my concerns. Highest Rental Car Excess. Fair definitions in the Exclusions. Easy to read PDS. Very knowledgeable call

Cover-More Travel Insurance

Cover-More Travel Insurance

 · includes 7 listings
3.4 from 2,654 reviews

Latest review: Extremely difficult to communicate with this company. Wait in phone is around 2 hours. Emails and other online messaging is ignored. Finally had some contact after writing a bad review and ended up

RACV Travel Insurance

RACV Travel Insurance

 · includes 5 listings
3.5 from 375 reviews

Latest review: Useless as it is not up front in the description of the policy that it has NO cancellation cover.. it’s on page 30 or so of the policy. Totally misleading wording in the p

Ad
Fast Cover Travel Insurance
  • Award Winner 2022

Fast Cover Travel Insurance

 · includes 6 listings
4.5 from 1,215 reviews

Featured review: Very easy to purchase and had no problems at all deciding policy Staff member was very informative. Have used Fast cover many times Will definitely keep using Fast Cover While travelling

Affordable premiums
Simple application process
Outstanding customer service
  • Transparency
    4.5 (332)
  • Customer Service
    4.5 (378)
  • Value for Money
    4.5 (441)
  • Type of ClaimMedical (61), Lost/Stolen Property (18), Travel Delays/Cancellations (28), Car/Rental Hire Excess (3), Personal Liability (2) and Other (9)
  • Claim ApprovedYes (101) · No (17)
  • UnderwriterHollard
  • Maximum Ages Covered 64 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 $1,000,000.00 to $5,000,000.00
Page 1 of 4

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.

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.