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Compare the Best Travel Insurance in Australia

Protect yourself with a travel insurance policy that doesn’t break the bank. Use our guide to find the right coverage and compare the best deals.

Some of the travel insurance providers we compare

Travel insurance in Australia

Compare travel insurance in Australia
Money.com.au's Senior Finance Writer, Jared Mullane
Jared Mullane

Senior Finance Writer

For Australians, travel is a big investment in our quality of life. In fact, nearly a third of Aussies (31%) spend up to a year saving for a trip, according to a recent survey by Money.com.au. But between pandemics, volcanic eruptions and other unforeseen overseas natural disasters, we’ve learned the hard way about the risks when things go wrong. Particularly those without travel insurance. If you’re thinking about a trip, it’s worth considering travel insurance early in your planning to protect yourself financially. If you have the right level of cover it can be a financial lifesaver. Or as the Australian Government’s Smartraveller website puts it, “the right insurance is as essential as a passport for travel overseas".

Travel insurance by the numbers

pie chart

Travel insurance providers in Australia

50+

Outbound trips taken by Australians each year

11 million

People not covered by travel insurance on their last overseas trip

16%

Pages in a travel insurance product disclosure statement (PDS), on average

85

Insured travellers who read the entire PDS before traveling

1 in 5

Sources: Insurance Council of Australia, ABS, Money.com.au

Compare travel insurance policies

The table below shows a selection of travel insurance providers offering comprehensive policies, with an overview of selected features and travel insurance discounts. The table is sorted alphabetically based on the provider name. We are not making a recommendation about any particular product. Be sure to check with the provider and read the Product Disclosure Statement (PDS) for exclusions, excesses, limits and sub-limits that may apply.

Provider

1Cover

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $50,000
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

None listed

Provider

ahm

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $8,000

Discounts or incentives available

  • ahm and Medibank health members save 10%

Provider

Air New Zealand (only available to Australian residents/citizens travelling to New Zealand and to Norfolk Island)

What’s generally covered?

  • Overseas medical assistance up to unlimited
  • Cancellation cover from $1,000 to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

None listed

Provider

Allianz

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

AMEX (cover available on eligible AMEX credit cards & purchases)

What’s generally covered?

  • Refer to your AMEX credit card’s T&Cs in the ‘Insurance with your Card’ section

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Aussietravelcover

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $100,000
  • Luggage & personal effects cover up to $30,000

Discounts or incentives available

None listed

Provider

Australia Post

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Australian Seniors Insurance Agency

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

Auswide Bank

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

Bank Australia (cover available with eligible Bank Australia Platinum Rewards VISA credit card purchases)

What’s generally covered?

  • Refer to your Bank Australia credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Bank First

What’s generally covered?

  • Overseas medical assistance up to unlimited
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Bank of Melbourne (cover available on eligible Bank of Melbourne credit cards & purchases)

What’s generally covered?

  • Refer to your Bank of Melbourne credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

BankSA (cover available on eligible BankSA credit cards & purchases)

What’s generally covered?

  • Refer to your BankSA credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Beyond Bank

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

Blue Monkey Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $5,000

Discounts or incentives available

None listed

Provider

Boomers Travel Insurance

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

Budget Direct

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000 (or the amount you choose) per policy
  • Luggage & personal effects cover up to $10,000

Discounts or incentives available

  • 15% off when you quote & purchase an eligible policy online

Provider

Bupa

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

  • 15% off your travel insurance policy if you’re a Bupa Health member

Provider

Butter

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $40,000
  • Luggage & personal effects cover up to $10,000

Discounts or incentives available

None listed

Provider

CGU

What’s generally covered?

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

None listed

Provider

Citibank (cover available on eligible Citibank credit cards & purchases)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $50,000
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Coles

What’s generally covered?

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Cover-More

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $25,000

Discounts or incentives available

None listed

Provider

Defence Bank

What’s generally covered?

  • Overseas medical assistance up to unlimited
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Everyday Insurance from Woolworths

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

  • Link your Everyday Rewards Card when you get a travel insurance quote to see your exclusive offer

Provider

Fast Cover

What’s generally covered?

  • Overseas medical assistance up to unlimited
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

None listed

Provider

Freely

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $5,000
  • Luggage & personal effects cover up to $10,000

Discounts or incentives available

None listed

Provider

GIO

What’s generally covered?

  • Unlimited reasonable expenses for overseas medical assistance
  • Unlimited reasonable expenses for cancellation cover
  • Luggage & personal effects cover up to $6,000

Discounts or incentives available

None listed

Provider

Go Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $10,000

Discounts or incentives available

None listed

Provider

Greater Bank

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

HSBC (cover available on eligible HSBC credit cards & purchases)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $25,000

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Huddle

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $10,000

Discounts or incentives available

  • Buy an International Comprehensive plan & get complimentary lounge access with Smart Flight Delay if your flight is delayed for more than 60 minutes on your trip (T&Cs apply)

Provider

Insure & Go

What’s generally covered?

  • Overseas medical assistance up to unlimited
  • Cancellation cover up to unlimited

Discounts or incentives available

None listed

Provider

Kogan Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

  • 25% off all new Kogan travel insurance policies until 15 December 2024. Use the promo code: SALESTIME

Provider

Medibank

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Medibank and ahm members save 15% on any Medibank Travel Insurance policy

Provider

NAB (cover available on eligible NAB credit cards & purchases)

What’s generally covered?

  • Refer to your NAB credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

nib Travel Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

  • Save up to 10% on a new policy if you’re an existing nib Health member

Provider

NRMA

What’s generally covered?

  • Overseas medical assistance up to $10 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

Discounts or incentives available

  • Save up to 5% on a new policy if you’re an existing NRMA Insurance customer

Provider

Qantas Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Earn up to 10,000 Qantas Points when you take out a policy by 26 November 2024, plus earn $1 per $1 spent on your premium

Provider

QBE

What’s generally covered?

  • Unlimited overseas medical assistance
  • Unlimited luggage & personal effects cover

Discounts or incentives available

None listed

Provider

RAA (South Australia)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Save 10% on your policy if you’re an existing RAA member

Provider

RAC (Western Australia)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Save 15% on your policy if you’re an existing RAC member

Provider

RACQ (Queensland)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Save 15% on your policy if you’re an existing RACQ member

Provider

RACV (Victoria)

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

Discounts or incentives available

  • Save 15% on your policy if you’re an existing RACV member

Provider

Real Insurance

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

Discounts or incentives available

None listed

Provider

Ski Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $5,000

Discounts or incentives available

None listed

Provider

Southern Cross Travel Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover up to $2,500
  • Luggage & person effects cover up to $25,000

Discounts or incentives available

  • Go in the draw to win $15,000 when you take out a policy between 18 November 2024 & 31 January 2025

Provider

St. George Bank (cover available on eligible St. George Bank credit cards & purchases)

What’s generally covered?

  • Refer to your St. George Bank credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

Tick Travel Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover (refer to policy)

Discounts or incentives available

None listed

Provider

Travel Insurance Direct

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Travel Insurance Saver

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $12,000

Discounts or incentives available

None listed

Provider

Westpac (cover available on eligible Westpac credit cards & purchases)

What’s generally covered?

  • Refer to your Westpac credit card’s T&Cs and PDS

Discounts or incentives available

  • Complimentary travel insurance on eligible credit cards & purchases

Provider

World Nomads

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $10,000

Discounts or incentives available

None listed

Provider

World2Cover

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $15,000

Discounts or incentives available

None listed

Provider

Worldcare

What’s generally covered?

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $20,000

Discounts or incentives available

  • 10% off travel insurance who purchase a new Worldcare policy by 29 November 2024. Use promo code: NOV10

Provider

Zoom Travel Insurance

What’s generally covered?

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $7,500

Discounts or incentives available

None listed

ProviderWhat’s generally covered?Discounts or incentives available

1Cover

  • Unlimited overseas medical assistance
  • Cancellation cover up to $50,000
  • Luggage & personal effects cover up to $15,000

None listed

ahm

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $8,000
  • ahm and Medibank health members save 10%

Air New Zealand (only available to Australian residents/citizens travelling to New Zealand and to Norfolk Island)

  • Overseas medical assistance up to unlimited
  • Cancellation cover from $1,000 to unlimited
  • Luggage & personal effects cover up to $15,000

None listed

Allianz

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

AMEX (cover available on eligible AMEX credit cards & purchases)

  • Refer to your AMEX credit card’s T&Cs in the ‘Insurance with your Card’ section
  • Complimentary travel insurance on eligible credit cards & purchases

Aussietravelcover

  • Unlimited overseas medical assistance
  • Cancellation cover up to $100,000
  • Luggage & personal effects cover up to $30,000

None listed

Australia Post

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

None listed

Australian Seniors Insurance Agency

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

Auswide Bank

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

Bank Australia (cover available with eligible Bank Australia Platinum Rewards VISA credit card purchases)

  • Refer to your Bank Australia credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

Bank First

  • Overseas medical assistance up to unlimited
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

None listed

Bank of Melbourne (cover available on eligible Bank of Melbourne credit cards & purchases)

  • Refer to your Bank of Melbourne credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

BankSA (cover available on eligible BankSA credit cards & purchases)

  • Refer to your BankSA credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

Beyond Bank

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

Blue Monkey Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $5,000

None listed

Boomers Travel Insurance

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

Budget Direct

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000 (or the amount you choose) per policy
  • Luggage & personal effects cover up to $10,000
  • 15% off when you quote & purchase an eligible policy online

Bupa

  • Unlimited overseas medical assistance
  • Cancellation cover up to $10,000
  • Luggage & personal effects cover up to $12,000
  • 15% off your travel insurance policy if you’re a Bupa Health member

Butter

  • Unlimited overseas medical assistance
  • Cancellation cover up to $40,000
  • Luggage & personal effects cover up to $10,000

None listed

CGU

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $15,000

None listed

Citibank (cover available on eligible Citibank credit cards & purchases)

  • Unlimited overseas medical assistance
  • Cancellation cover up to $50,000
  • Luggage & personal effects cover up to $15,000
  • Complimentary travel insurance on eligible credit cards & purchases

Coles

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $12,000

None listed

Cover-More

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $25,000

None listed

Defence Bank

  • Overseas medical assistance up to unlimited
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000

None listed

Everyday Insurance from Woolworths

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000
  • Link your Everyday Rewards Card when you get a travel insurance quote to see your exclusive offer

Fast Cover

  • Overseas medical assistance up to unlimited
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000

None listed

Freely

  • Unlimited overseas medical assistance
  • Cancellation cover up to $5,000
  • Luggage & personal effects cover up to $10,000

None listed

GIO

  • Unlimited reasonable expenses for overseas medical assistance
  • Unlimited reasonable expenses for cancellation cover
  • Luggage & personal effects cover up to $6,000

None listed

Go Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $10,000

None listed

Greater Bank

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

HSBC (cover available on eligible HSBC credit cards & purchases)

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $25,000
  • Complimentary travel insurance on eligible credit cards & purchases

Huddle

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $10,000
  • Buy an International Comprehensive plan & get complimentary lounge access with Smart Flight Delay if your flight is delayed for more than 60 minutes on your trip (T&Cs apply)

Insure & Go

  • Overseas medical assistance up to unlimited
  • Cancellation cover up to unlimited

None listed

Kogan Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000
  • 25% off all new Kogan travel insurance policies until 15 December 2024. Use the promo code: SALESTIME

Medibank

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Medibank and ahm members save 15% on any Medibank Travel Insurance policy

NAB (cover available on eligible NAB credit cards & purchases)

  • Refer to your NAB credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

nib Travel Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000
  • Save up to 10% on a new policy if you’re an existing nib Health member

NRMA

  • Overseas medical assistance up to $10 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $12,000
  • Save up to 5% on a new policy if you’re an existing NRMA Insurance customer

Qantas Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Earn up to 10,000 Qantas Points when you take out a policy by 26 November 2024, plus earn $1 per $1 spent on your premium

QBE

  • Unlimited overseas medical assistance
  • Unlimited luggage & personal effects cover

None listed

RAA (South Australia)

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Save 10% on your policy if you’re an existing RAA member

RAC (Western Australia)

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Save 15% on your policy if you’re an existing RAC member

RACQ (Queensland)

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Save 15% on your policy if you’re an existing RACQ member

RACV (Victoria)

  • Unlimited overseas medical assistance
  • Cancellation cover up to unlimited
  • Luggage & personal effects cover up to $15,000
  • Save 15% on your policy if you’re an existing RACV member

Real Insurance

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover up to $20,000

None listed

Ski Insurance

  • Unlimited overseas medical assistance
  • Unlimited cancellation cover
  • Luggage & personal effects cover up to $5,000

None listed

Southern Cross Travel Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover up to $2,500
  • Luggage & person effects cover up to $25,000
  • Go in the draw to win $15,000 when you take out a policy between 18 November 2024 & 31 January 2025

St. George Bank (cover available on eligible St. George Bank credit cards & purchases)

  • Refer to your St. George Bank credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

Tick Travel Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & personal effects cover (refer to policy)

None listed

Travel Insurance Direct

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $12,000

None listed

Travel Insurance Saver

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $12,000

None listed

Westpac (cover available on eligible Westpac credit cards & purchases)

  • Refer to your Westpac credit card’s T&Cs and PDS
  • Complimentary travel insurance on eligible credit cards & purchases

World Nomads

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $10,000

None listed

World2Cover

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $15,000

None listed

Worldcare

  • Overseas medical assistance up to $40 million
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $20,000
  • 10% off travel insurance who purchase a new Worldcare policy by 29 November 2024. Use promo code: NOV10

Zoom Travel Insurance

  • Unlimited overseas medical assistance
  • Cancellation cover options (refer to policy)
  • Luggage & person effects cover up to $7,500

None listed

Please note: This is an overview of what each of these providers shown offers based on a selection of key features advertised. It’s not a full list of what the policies offer or exclude. We recommend getting a personalised quote and checking the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the policy to understand what is and isn’t covered, and what limits, sub-limits, excesses, exclusions, terms and conditions apply, before deciding if the product is suitable for you. While this is an extensive list of travel insurance providers in Australia, we do not guarantee that all providers are shown.

What does travel insurance cover?

Travel insurance covers you financially for a range of risks and events that may disrupt a holiday or trip. That may include medical costs if you end up in hospital, recouping the cost of travel and accommodation if your trip is cancelled, or the cost of your luggage and personal belongings if they are lost or damaged.

Those are the basics, but travel insurance is a complicated product, with various cover levels and potential add ons. The reality is what is actually covered will depend on the type of policy you buy and from what provider. Let’s start by taking a look at the main categories of travel insurance policy.

Types of travel insurance

The most common forms of travel insurance available to Aussie travellers are:

This is usually the highest level of travel insurance offered by a provider, covering the widest range of risks. There are also generally higher claim limits with comprehensive travel insurance.

In addition to cover for the basics (like medical costs, loss of luggage) comprehensive cover typically includes protection against financial loss for risks like needing to cancel your trip, and extras that some people will find valuable like rental car excess cover, which would be an additional cost if purchased separately.

Depending on the policy, you may also be covered for loss of income, or receive a benefit if you are permanently disabled or killed as a result of an insured event while you are overseas.

Basic travel insurance has fewer inclusions compared to comprehensive cover and generally comes with lower claim limits. That just means if you make a successful claim the maximum amount the insurer will pay you will be lower.

But basic travel insurance still generally comes with several key inclusions for travellers, including, medical cover (this is generally unlimited, even on basic cover) with a level of dental cover too. You also typically get a low level of cover for lost or damaged luggage and personal liability cover, which may kick in if you injure someone else or damage their property in an accident and are liable to pay damages.

This is generally the simplest and most basic form of travel insurance and will only cover you for eligible costs if you are sick or injured while on a trip. You won’t be covered for lost or damaged luggage or any costs if your trip is cancelled or disrupted for any other reason.

Domestic travel insurance is designed to cover you while you are travelling within Australia. It generally covers the same kinds of risks as an international policy, with the exception of medical, dental or hospital costs. But like international cover, the specifics you’re covered for will depend on the policy you choose.

Domestic travel insurance generally excludes cover for medical costs as these are generally covered through the Medicare system or your private health insurance if you have it.

Some insurers offer annual travel insurance policies (international or domestic) which can cover you for multiple trips across different destinations within the same 12-month period. Usually the cover will be limited to a maximum length for each individual trip, meaning you can make multiple trips but the cover will only last for a certain number of days per trip (e.g. 30, 45 or 60 days).

Cruise insurance is a form of travel insurance with inclusions that are tailored to people who are going on a cruise. That’s the idea anyway. The reality is the cover available is generally quite similar to that available with a standard travel insurance policy. But there may be certain inclusions (like the cost of being transferred to a hospital from the ship) that may make it worthwhile getting this specific type of cover.

Some insurers sell policies with inclusions relevant to particular types of trips and travellers. Some common examples are ski insurance, backpacker travel insurance and seniors travel insurance. These policies are often pretty similar to what standard policies offer, but may cover additional risks and specialist equipment and include higher claim limits or age limits.

As always, it’s important to pay very close attention to what is actually covered by these policies – as the name of the product may not give the full picture of what you get.

What’s included…

Below is a general overview of what may be covered under different types of travel insurance policies. It is designed as a guide only and the cover available under specific policies may be different to what is shown below. Ready the policy’s product disclosure statement for a full list of inclusions, exclusions limits and sublimits before committing to a policy.

Medical cover

Comprehensive

Yes

Basic

Yes

Medical only

Yes

Domestic

No

Cover for trip cancellation

Comprehensive

Yes

Basic

Yes (limited cover)

Medical only

No

Domestic

Yes

Rental car excess cover

Comprehensive

Yes

Basic

No

Medical only

No

Domestic

Selected policies

Personal liability

Comprehensive

Yes

Basic

Yes

Medical only

No

Domestic

Yes

Travel or luggage delay/missed connections

Comprehensive

Yes

Basic

Yes (limited cover)

Medical only

No

Domestic

Yes

Loss of travel documents/transactions cards/cash

Comprehensive

Yes

Basic

No

Medical only

No

Domestic

Yes

Loss of income

Comprehensive

Selected policies

Basic

No

Medical only

No

Domestic

Selected policies

Permanent disability

Comprehensive

Selected policies

Basic

No

Medical only

No

Domestic

Selected policies

Accidental death

Comprehensive

Yes

Basic

Yes

Medical only

No

Domestic

Yes

Additional expenses (if your trip is disrupted)

Comprehensive

Yes

Basic

No

Medical only

No

Domestic

Yes

Comprehensive Basic Medical only Domestic

Medical cover

Yes

Yes

Yes

No

Cover for trip cancellation

Yes

Yes (limited cover)

No

Yes

Rental car excess cover

Yes

No

No

Selected policies

Personal liability

Yes

Yes

No

Yes

Travel or luggage delay/missed connections

Yes

Yes (limited cover)

No

Yes

Loss of travel documents/transactions cards/cash

Yes

No

No

Yes

Loss of income

Selected policies

No

No

Selected policies

Permanent disability

Selected policies

No

No

Selected policies

Accidental death

Yes

Yes

No

Yes

Additional expenses (if your trip is disrupted)

Yes

No

No

Yes

Source: QBE, Suncorp & Youi

Optional extras you can add to your travel insurance

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Ski/winter sports cover

Standard policies may not cover skiing and other winter sports as there is a higher chance of injury. But you may be able to add it to your policy if required, for an additional cost. This higher premium may also mean your skiing equipment is covered if you’re taking it with you.

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Cruise cover

As well as being available as a standalone policy type with some providers, you may have the option to add cruise cover to your standard travel insurance policy. This may then cover you for cruise-specific risks, like if you need to be transported to a hospital from the ship if you become ill or injured.

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Adventure activities

Activities seen as being risky by insurers (think bungee jumping and diving) are excluded as standard by a lot of policies, but if you pay a bit extra, you may be able to add cover for selected activities to suit your trip.

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Motorcycle/moped riding cover

Because of the associated risk, many policies exclude claims related to riding a motorcycle or moped overseas. But if you plan to do this while you’re travelling and want to be covered you may be able to add it, with a higher premium applying.

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Increased cover for individual items

Standard policies generally have limits on how much you can claim if a specific item is lost or damaged. But if you’re travelling with high value items, you can ask to have these insured for a higher amount to reflect the extra cost of replacing them

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Rental vehicle insurance excess

This comes as standard on some policies, but you may need to opt in for it on others. It’s designed to cover the cost of the excess that generally applies (generally to the tune of thousands of dollars) to the basic cover you get from your car rental company when you hire a car.

How to get the best travel insurance deal

1

Shop around

The cost of travel insurance can vary significantly between providers. But when comparing travel insurance make sure the policies have the same inclusions and level of cover. You don’t want to pick a cheap travel insurance policy, only to discover it’s missing crucial inclusions.

2

Take out cover well in advance of your trip

Some of the value in getting travel insurance is that you may be covered if you need to cancel your trip. But this will only be useful if you have the policy far enough in advance of any unexpected events that mean you need to change your plans. If you’ve booked a trip, it’s a good idea to consider travel insurance at the same time.

3

Only pay for what you need

Most insurers offer various tiers of travel insurance. Look carefully at what’s covered by each and choose the one that’s the best fit. You may find that a lower level of cover will offer enough protection at a reduced cost.

4

Check if your credit card has travel insurance

The best travel insurance policy may be one you already have. Some credit cards offer credit insurance as a complimentary extra. This is generally standardised cover, meaning you won’t be able to adjust the limits and inclusions, but it’s worth checking if you have it and whether it will be suitable for your trip. Just bean in mind you generally need to book the trip using your card for the cover to apply.

5

Consider an annual policy if you’ll be travelling frequently

If you plan to make multiple trips within a 12 month period, check if you’ll save any money by getting an annual policy that will cover you each time you’re away.

6

Look for special offers and discounts

Insurers regularly have special offers and discounts to make their policies more competitive. For example, you might get a small discount for buying the policy online (as opposed to over the phone) or a multi-policy discount if you also have home and contents insurance or car insurance from the same provider.

How much does travel insurance cost?

Analysis by Money.com.au shows the cost of travel insurance generally ranges from $200 up to $1,000, and can be higher in some cases. This is big cost range and what you will actually end up paying will depend on factors, including:

  • Where you’re travelling to Insurers will consider the level of risk associated with your travel destination, including crime rates, the likelihood of weather disruption and other events that might lead to a claim. Broadly speaking the safer the country you're visiting is (think moderate climate and low crime levels), the cheaper your travel insurance will be.
  • The duration of your trip Naturally if you’re away for longer this increases the likelihood that you will be making a claim. Expect to pay more for a longer holiday.
  • Your age Because medical costs are one of the primary risks insured under an overseas travel insurance policy, insurers tend to charge higher premiums to older policyholders. That’s simply because your risk of having health issues generally increases as you age.
  • The level of cover you choose The more risks you choose to have insured under your policy, the more expensive it will be. For example, Money.com.au’s analysis found that for international cover, comprehensive policies cost between 75 and 180% more than basic policies for the same trip. If you choose to add cover beyond the standard inclusion this will also push up the price.
  • Whether you’re travelling alone or with others Again not surprisingly, your travel insurance premium will generally cost more if you are travelling with others (e.g. a partner and children) versus what you would pay travelling alone. The extra premium will vary based on the ages of those you’re travelling with.
  • Whether you have any pre-existing conditions If you want your policy to cover you for any pre-existing health conditions, you will need to disclose these and you may pay a higher premium. That’s if the insurer agrees to cover the conditions.

Travel insurance cost example

The table below compares the cost of international and domestic travel insurance policies from a selection of leading providers in Australia. While we have done our best to compare the same levels of cover, some price variations may reflect varying levels of cover.

Insurer

1cover

Comprehensive international

$298.33 (includes online discount)

Basic international

$218.62 (medical only, includes online discount)

Domestic

$191.32

Insurer

Allianz

Comprehensive international

$336.82

Basic international

$191.30

Domestic

$302.46

Insurer

Budget Direct

Comprehensive international

$301.30 (includes online discount)

Basic international

$174.72

Domestic

$201.17

Insurer

FastCover

Comprehensive international

$419.99

Basic international

$159.99

Domestic

$299.99

Insurer

World2Cover

Comprehensive international

$259.82

Basic international

$127.14

Domestic

$185.87

InsurerComprehensive international Basic internationalDomestic

1cover

$298.33 (includes online discount)

$218.62 (medical only, includes online discount)

$191.32

Allianz

$336.82

$191.30

$302.46

Budget Direct

$301.30 (includes online discount)

$174.72

$201.17

FastCover

$419.99

$159.99

$299.99

World2Cover

$259.82

$127.14

$185.87

Quotes were sourced on 21 November 2024 with travel dates covering a 15 day period in April 2025. The quotes are based on a couple, both aged 35, travelling with 2 dependents aged three and one. The international policies are based on travel to Indonesia, Domestic policies quotes do not include cruise cover. Quotes are based on a $200 excess with the exception of Budget Direct domestic cover which has a $50 excess. Prices quoted are based on the examples outlined only and may not reflect the prices available under other circumstances.

FAQs about travel insurance

Some situations may not be covered under a standard travel insurance policy, but you may be able to add extra coverage for an additional cost. As a general guideline, travel insurance typically does not cover the following:

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  • Pre-existing conditions: Unless specifically disclosed or outlined in the policy’s PDS.
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  • Non-emergency medical surgeries: Routine or elective treatments like cosmetic surgery.
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  • High-risk activities: Activities such as skydiving, off-piste skiing/snowboarding or scuba diving.
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  • Alcohol or drug-related incidents: Injuries or damages caused while intoxicated.
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  • Failure to take reasonable precautions: If you leave valuables unattended or fail to report theft.
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  • Unattended luggage: Lost or stolen luggage if it was left unsupervised.
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  • Business-related travel: Coverage may not extend to business activities unless specified in the PDS.
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  • Travel warnings: Travelling to countries under government travel warnings may not be covered (e.g. Ukraine currently).
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  • Natural disasters: If your policy excludes coverage for certain events like avalanches, earthquakes or volcanic ash clouds.
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  • Cancellation for personal reasons: Many policies only cover cancellation for emergencies or situations outside of your control, not because you’ve changed your mind.

The cheapest travel insurance policy will be based on multiple factors, including your destination, the duration of your trip, your age, the level of cover you need, whether you’re travelling solo or with others. A basic travel insurance policy will usually be the most affordable option, but it offers limited coverage.

Travel insurance is important if you want to protect yourself from unexpected events like medical emergencies, trip cancellations, lost luggage, or delays. It can save you from high costs and stress if things go wrong. While it’s not legally required, it’s highly recommended, especially for international trips or activities that carry risks.

Without travel insurance, you’ll likely have to pay out-of-pocket for things that could be covered, leaving you financially vulnerable.

Not necessarily. Travel insurance generally covers only those specifically named on the policy. If you’re travelling with others, you may be able to add them as additional insured persons, otherwise they might need to buy their own insurance. Check your policy’s PDS to see if others are covered, and always verify before you travel to ensure everyone is protected.

Whether travel insurance will cover you in the event of another pandemic depends on your policy and insurer. Many insurers now cover COVID-19-related medical expenses, and some offer optional add-ons for pandemic-related issues like trip cancellations, overseas medical costs, or trip interruptions. It's important to review your policy carefully to understand what is covered and any exclusions related to pandemics or epidemics.

Travel insurance excess is the amount you may need to pay when making a claim, like for a medical bill or lost luggage. For example, if you have a policy with a $250 excess and you make a claim for $800, you would pay the $250 excess, and the insurer would cover the remaining $550. Some items you’re claiming (known as benefits) may have an excess, while others may not. Check your policy’s PDS for details on which claims have an excess.

The level of travel insurance you need depends on several factors, including where you’re going, how long you’ll be away, what activities you plan to do, and your personal health circumstances. Here’s a more detailed breakdown of what to consider:

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  • Destination: If you’re travelling internationally, you’ll need a policy that covers overseas medical expenses, as the Australian Government won’t cover your medical bills abroad. For domestic trips, basic coverage might be sufficient, but it’s still important to protect yourself against cancellations and lost luggage.
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  • Trip length: For longer trips lasting several weeks or months, comprehensive travel insurance might be worthwhile to ensure you’re covered for a wider range of risks.
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  • Activities: If your travel plans include skiing, snowboarding, diving or hiking, make sure your policy covers these activities, as they’re often excluded from standard plans.
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  • Your age and health: Older travellers or those with pre-existing medical conditions may need additional coverage. Some policies may have limited coverage or exclude pre-existing conditions, so it’s important to disclose this information to your insurer when purchasing a policy.
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  • Valuables: Consider the value of your belongings. If you’re travelling with expensive electronics or jewellery, you may need extra coverage for lost, stolen, or damaged valuables. Most policies will offer some level of protection, but check the PDS for limits, sublimits and exclusions.

Yes, you can get travel insurance for a trip to multiple countries, but you’ll need to make sure your policy covers ‘worldwide’ destinations rather than being country-specific, according to smartraveller.com.au. Most insurers will ask you to specify where you’re travelling, and you’ll typically have the option to choose specific countries (e.g. Japan) or broader regions (e.g. all of Europe).

It’s important to select the right coverage to ensure you’re protected in all the countries you plan to visit, as some policies may have restrictions or additional premiums for certain regions.

Standard travel insurance may cover you for working overseas, but it depends on the insurer and policy. For example, Budget Direct covers working-holiday visas, manual work (at ground level with no powered machinery), and non-manual work, as outlined in its Product Disclosure Statement (PDS). Always check the PDS and inform the insurer that you’ll be working overseas when purchasing your policy to ensure you’re fully covered.

Yes, there are age limits on travel insurance, but they vary by insurer and policy. Some insurers set age limits between 65 and 100 years, while others may have no age limit at all. For seniors, there may be restrictions or exclusions, so it’s important to check the policy’s Product Disclosure Statement (PDS). For example, Cover-More has an age limit of "under 100" for single trips and "under 75" for annual policies.

Yes, you can get travel insurance for cruises. Cruise trip insurance typically includes protection for things like emergency medical repatriation, evacuation, and trip cancellation. These policies are designed to cover risks unique to cruises, such as delays, missed ports of call, medical treatment on board, and accidents during shore excursions. Many insurers offer specialised cruise coverage, so be sure to choose a policy that fits your cruise itinerary and needs.

Whether or not your credit card’s travel insurance is sufficient will depend on what it covers and what you’re likely to need cover for, based on your trip and who’s travelling with you. Credit card travel insurance is one-size fits all for anyone who has that credit card, meaning it can’t be tailored to your needs. That said, for some people it is more than enough cover. Just don’t presume it will be – check the detail first.

Yes you generally can purchase travel insurance if you are already overseas having recently departed Australia, but the cover available is generally more limited. There is also likely to be a waiting period, meaning you won’t be able to claim for a certain amount of time after purchasing the policy. That means if you are already overseas and your trip is disrupted, you can’t purchase travel insurance to recoup your costs.

Some travel insurance policies cover the excess on your car hire. This is the fee you could be charged by the rental company if your car is damaged or stolen. This cover is generally only included on high levels of travel insurance, or as an add on to standard cover.

Travel insurance may cover natural disasters if your trip is cancelled or disrupted and the event is unforeseen. For example, if you purchased travel insurance for a trip that ends up being disrupted by a volcanic eruption, a travel insurance claim may be denied if the eruption had already begun or there were public warnings that an eruption could happen soon.

Yes, this is known as domestic travel insurance. It covers most of the same risks and events as overseas travel insurance, but generally does not cover medical costs.

Depending on the policy and the condition, it may be possible to get travel insurance that covers pre-existing conditions. If cover is offered, it’s generally done on the condition that you disclose the pre-existing condition when you purchase the policy. There’s usually a higher cost to have a pre-existing condition included as part of your cover.

If you do not disclose a pre-existing condition, any claim relating to that condition may be denied.

Bear in mind that some insurers will not offer cover for pre-existing conditions even if they are disclosed.

Jared Mullane is a finance writer with more than eight years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, home loans, personal finance and insurance.

Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.

Important information

General information only

The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any travel insurance product is suitable for you and seek independent advice if necessary.

We are not providing you with a recommendation or suggestion about a particular product. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.

What products, features and information are shown

While we make every effort to ensure all products available in Australia are shown in our comparison tables, we do not guarantee that all products are included.

Our product comparisons may not compare all product features and attributes relevant to you.

Product information is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the provider.

How travel insurance providers are sorted

Products shown are sorted alphabetically by provider name.

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