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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Insurance for Australia in 2024

Travelex Insurance Services »

Allianz Travel Insurance »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Australia.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Most travelers heading "Down Under" need to make quite the trek, and that's especially true for those planning a trip to Australia from the United States. Flying from Los Angeles to Sydney takes around 15 hours, and even more travel time is required to get to Melbourne and other destinations that require a layover on the way.

Plenty can go wrong en route to Australia as well as once you get there, and the potential for financial losses can be great if you're not careful. Not only can traveling long distances increase the risk of travel delays, but you also face the risk of flight cancellations, baggage delays, lost baggage and missed connections.

These are just some of the reasons why it makes sense to have a robust travel insurance plan in place before you fly overseas for a vacation in Australia. While any reputable travel insurance provider can provide you with protection for emergency medical expenses, your bags, travel delays and other various travel mishaps, we curated this list of top travel insurance plans for a trip to Australia specifically.

Frequently Asked Questions

Travel to Australia requires a huge commitment in terms of travel time and cost, which is why you'll want to make sure you have coverage that can reimburse you if something goes wrong. If your flight is delayed or canceled , your bags are lost in transit, or a missed connection leaves you stuck in another country for several days, having travel insurance means you can get reimbursement for unexpected hotel stays, meals you have to pay for and various incidental expenses.

Having travel insurance for Australia that includes medical coverage is also crucial since coverage provided in U.S. health plans will not apply.

Some travel credit cards offer coverage for trip cancellations or interruptions, travel delays, and lost or delayed baggage. However, credit cards are a poor source for coverage that protects against emergency medical expenses. Most credit cards do not offer coverage for emergency medical expenses or emergency medical evacuation at all, and those that do (such as the Chase Sapphire Reserve ) have insufficient coverage limits.

• Travelex Insurance Services: Best for Families
• Allianz Travel Insurance: Best for Flexible Cancellations
• Generali Global Assistance: Best for Medical Emergencies
• World Nomads Travel Insurance: Best for Adventure Travel
• GeoBlue: Best for Travel Health Insurance

Kids ages 17 and younger are covered automatically with Travel Select plan

Primary coverage with no deductibles

Lower limits for medical expenses than some providers

• 100% trip cancellation coverage worth up to $50,000
• 150% trip interruption coverage worth up to $75,000
• Trip delay coverage worth up to $2,000 for delays of five hours or longer ($200 daily limit applies)
• Missed connection coverage worth up to $750 for delays of three hours or longer
• Up to $50,000 in protection for emergency medical expenses (dental sublimit of $500)
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $1,000 in coverage for baggage and personal effects
• Up to $200 in coverage for baggage delays of 12 hours or longer
• Up to $200 in coverage for sporting equipment delays of 24 hours or longer
• $25,000 in coverage for accidental death and dismemberment (AD&D)

SEE FULL REVIEW »

Optional CFAR coverage reimburses at 80%

Numerous plans to choose from

Lower coverage limits for medical expenses than some providers

• Up to $100,000 per traveler in coverage for trip cancellations
• Up to $150,000 per traveler in coverage for trip interruptions
• Up to $500 per traveler in Trip Change Protector coverage
• Up to $50,000 in emergency medical coverage per traveler
• Up to $500,000 for emergency medical transportation per traveler
• Up to $1,000 toward baggage loss or damage per traveler
• Up to $300 per traveler in coverage for baggage delays of 12 hours or more
• Up to $800 in protection for travel delays per traveler (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Tailor medical coverage to your needs

Generous limits for emergency medical and medical evacuation coverage

Coverage for preexisting conditions only available with Premium plan

Optional CFAR coverage with Premium plan only reimburses at 60%

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection; $500 for delays
• Up to $2,000 per person in coverage for sporting equipment; $500 for delays
• Up to $1,000 per person in missed connection coverage
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation ($10,000 limit for companion hospitality expenses)
• Up to $25,000 per person in rental car coverage
• Accidental death and dismemberment coverage

Coverage for more than 200 sports and activities

24-hour travel assistance services included

Low coverage limits within standard plans

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellations
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Offers travel health insurance for lengthy trips abroad

Deductibles can apply

Some plans require a primary U.S. health insurance plan

• Up to $1,000,000 medical maximum per insured person
• Up to $500,000 in coverage for emergency medical evacuation per trip
• Up to $50,000 in coverage for accidental death and dismemberment
• Up to $2,500 in coverage for emergency family travel arrangements
• Up to $25,000 in medical coverage for hazardous activities like skiing and diving
• Up to $500 per trip in lost baggage and personal effects coverage ($100 limit per bag)
• Up to $1,000 per trip period in post-departure trip interruption transportation
• Up to $50 per day in post-departure trip interruption quarantine coverage (in the case of COVID-19)
• Up to $25,000 in protection for repatriation of remains

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering topics like family travel, cruises, all-inclusive resorts and travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Currently, Johnson uses an annual travel insurance policy from Allianz to cover her family's many trips overseas each year. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

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Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to June 2024.

Manage your policy on the go with my scti.

You can view your policy, make claims and update your details all in one secure portal.

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With Aussie travellers for over a decade

We've been providing travel insurance to Australians since 2009. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service. 

See all our awards

What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way!

Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Product Disclosure Statement  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Product Disclosure Statements to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Victoria to hit the slopes, we’re with you.

Have questions?

See all our FAQs

See what our customers have to say about us

Need some inspiration.

Coral beaches, lazy palms and vivid reefs under turquoise water. Few places in the world do tropical perfection quite like Fiji.

Check out our latest articles

When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With Australian travellers for over a decade

• Roadside Assistance
• Public Liability
• Commercial Motor Vehicle
• General Property
• Management Liability
• Small business
• Contractors and tradies
• Retailers insurance
• Healthcare and beauty professionals
• Real estate
• Cafés and restaurants
• NSW stamp duty exemption
• ACT | NT | TAS | WA claims
• NSW forms and resources
• VIC forms and resources
• ACT | NT | TAS | WA forms and resources
• Workplace mental health
• Training & webinars
• Compare Travel Insurance
• Caravan and Trailer
• Cyclone support
• Flood support
• Storm support
• Bushfire support
• Extreme Weather Claims
• Hail support
• Customer counselling program
• Financial hardship
• Scam warning
• Family violence support
• Deceased estates
• Financial institutions
• Insurance brokers
• Partner News Hub
• The Allianz Hub
• Login to My Allianz
• Renew a policy
• Make a payment
• Retrieve a quote
• Retrieve life application

Compare Travel Insurance plans

If you’re looking to compare your travel insurance choices, Allianz Travel Insurance has a range of cover options which may suit your trip and budget. Our Travel Insurance offers you quality cover.

Compare our travel insurance plans and get your quote online today.

Compare Travel Insurance benefits

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Comprehensive

Why choose us, thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, ready to get started, frequently asked questions.

As with any kind of insurance, you may wish to compare travel insurance quotes before buying, both between and within providers. In fact, shopping around will make you aware of inclusions and exclusions and help you make a decision on the best policy to suit your needs.

You can always get your quote from us.

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: there is no cover under any benefit of this policy if your claim arises because you didn’t follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if the Australian Government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

For more information, visit COVID-19 Benefits or call us on 13 1000 .

If you’re required to shorten your journey while travelling or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the PDS for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or send us an email .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian Government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

This applies even if an Australian Government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place. Subscribe to Smartraveller to receive travel alerts and advisory updates by email.

Refer to General Exclusions in the PDS for a full list of exclusions. If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your Travel Insurance policy will not provide cover for the specified event, activities or circumstances. Refer to General Exclusions in the Product Disclosure Statement (PDS) for a full list of exclusions.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement (PDS) to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, exclusions, limits and applicable sub-limits that apply.
• Car Insurance
• CTP Insurance
• Home & Contents Insurance
• Building Insurance
• Landlord Insurance
• Travel Insurance
• Life Insurance
• Caravan Insurance
• Boat Insurance
• Small Business Insurance
• Business Insurance Pack
• Workers' Compensation
• Renewals / Payments
• Manage Your Policy
• Policy Documents
• Customer Support
• How we help
• Sustainability
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• Work with us

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Travel Insurance Quotes

Compare quotes and read reviews from Australia's leading travel insurance brands. Do your comparison online to save time, worry and loads of money.

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No hidden fees.

Travel agents and airlines charge huge commissions. We don’t! Our travel insurance comparison is free to use. You'll be directed to the insurer's website to buy travel insurance without any sneaky charges.

On-board medical cover

Whether you're looking for cheap travel insurance or fully comprehensive cover for a domestic or international trip, you'll find the prices on our site are the same great prices you get buying travel insurance direct!

Data Protection

We promise to keep your data secure and not to sell your information to other companies. And we only ever send you relevant emails you have subscribed to.

Using our comparison is easy-peasy! One simple form makes it quick and easy to compare travel insurance quotes for your holiday. You'll get quotes online for your trip in seconds.

Rest Assured

All the policies we compare have 24/7 overseas emergency assistance to help in time of need. All brands are underwritten by reputable insurers like Allianz Australia Insurance Limited, Auto & General, Chubb, Great Lakes, Lloyds, QBE & more!

Product Choice

We compare heaps of policies for all types of travellers from some of Australia’s most reputable travel insurers. We compare 25+ insurance brands including, 1Cover, Fast Cover, Budget Direct, Insure and Go, Zoom & more!

travel insurance extraordinaire .css-1eehdh8{color:var(--chakra-colors-bananaLight);display:inline;} at your service

Need some help? Check out handy FAQS to help with all your curly travel insurance questions.

why .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} buy travel insurance?

We’re not silly, we know that plenty of Aussies go on holiday and have an amazing time exploring new and exciting places without buying travel insurance. But taking a gamble on your much-needed break can be risky. Here’s why!

Trust me, I'm not crackers!

Exxy Medical Costs

If you buy a policy for just one reason, this is it! Falling ill or being injured while travelling overseas can be extremely costly. Hospital costs in the USA can reach up to $10,000 per day, while emergency transport home for treatment can easily exceed $100,000! Ouch!

Disasters Can Strike

The excitement of getting on that plane has you knotted up like a pretzel. Picture your dismay if you had to cancel last minute. Worse still, imagine you’re mid-martini when bad news breaks. Should you need to return home, you’ll be covered for unforeseen events like injury or illness of a close relative.

Your Stuff Is Important

Loss, theft or damage to your prized possessions can be a common, yet gut-wrenching experience. If your personal belongings go AWOL while you’re away the right policy will pay to replace or repair them. Win!

Peace Of Mind

Travel insurance comes with 24/7 emergency assistance services which includes a team of doctors, nurses, travel agents and translators ready to support you in your time of need. ...Aaaand relax.

Because You Have To

Still not convinced? We hate to be the fun police, but some countries simply won’t let you in without cover! For example, it is mandatory to take out travel insurance when travelling to Thailand or Cuba.

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What Adventure Activities Are Covered?

Travel insurance is two words that could make all the difference to your holiday. Get the lowdown on how to choose the right travel insurance policy and the potential traps.

Pre-existing Medical Conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

Coronavirus, Travel Disruptions and Your Insurance

The rapid spread of covid-19 around the globe has thrown international travel into chaos. Find out what's covered if you're travelling during the coronavirus outbreak.

travel insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} review

Not sure which policy to pick? Our travel insurance reviews are here to help! Thousands of Aussies have reviewed their travel insurers to give you the inside story on everything from claims handling to customer experience. Or perhaps you want to have your say? Whether you love or loathe your travel insurer rate and review them to help other Aussies pick the right policy for their holiday.

travel insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} frequently asked questions

Have a travel insurance question? Here are some of the most common questions we get from our customers.

Does travel insurance cover coronavirus (covid-19)?

It depends! Unfortunately, the answer isn't a straightforward one. There are some situations where cover is available, and others where it is an exclusion. It largely depends on which insurer you bought your policy with ; when you bought it; where you're travelling to; when you're travelling; and, the reason for your claim. As travel continues to open up around the world, most (but not all) insurers provide cover for overseas hospital & medical expenses if someone named on the policy was positively diagnosed with COVID-19. Some insurers also provide cover for additional expenses and cancellation benefits.

Which is the best travel insurance in Australia?

The best travel insurance depends entirely on your planned trip and your circumstances. If you're a backpacker on a strict budget, you might want a no-frills medical-only policy, while if you've paid a lot in deposits or if you have pre-existing health conditions, a more comprehensive policy might be best for you. While there's no single best travel insurance that's right for everyone, finding a policy that works for you is easy when you use our quote comparison to start comparing prices and features. With Compare Travel Insurance, you can also read up on travel insurance reviews from customers to learn about their customer service and importantly claims experience.

What does comprehensive travel insurance cover?

Comprehensive travel insurance includes coverage for unexpected medical expenses overseas in the event of injury or illness, as well as cover if your luggage is lost or stolen, cancellation and disruption benefits if you need to cancel or are delayed for unforeseen reasons, as well as public liability cover. Go to our comprehensive travel insurance guide to learn more.

What do medical-only policies cover?

Medical-only trip insurance a.k.a basic policies generally only offer coverage for unexpected medical expenses overseas. Some basic policies also include a small amount of coverage for luggage or cancellations. Our website allows you to filter quotes for basic, mid-range and comprehensive travel insurance policies and their features to help you find the policy which is right for you.

Is it too late to buy travel cover?

Although we recommend buying a policy as soon as you've started paying deposits for flights, accommodation and tours, you can buy travel insurance at any point, even if you are already overseas . Exclusions often apply though, so be sure to check the PDS before you buy.

Can I purchase travel insurance at the airport?

Yes, you can. Generally speaking, you can purchase travel insurance up to a year before your trip, right up to boarding at the airport. With comprehensive travel insurance, you are covered for cancellation benefits from the moment you buy your policy, so we recommend buying it as soon as you start paying for flights, tours and accommodation.

Can I get travel insurance if I'm already overseas?

You can buy cover if you are already overseas, although each travel insurer has different rules on age limits and waiting periods. Check out our already overseas travel insurance guide to learn more.

Does travel insurance cover pregnancy?

You can buy travel insurance to cover you when you're pregnant, but every brand has different rules depending on how many weeks gestation you are, whether you've had complications, and whether you're looking for cover in case of emergency birth. Check out the handy table on our pregnancy guide for more information.

Do I need cover in Australia?

If you're an Australian resident, a domestic policy covers you for cancellations, luggage cover and often rental vehicle excess, but as you're covered by Medicare, medical coverage is not included. International visitors to Australia are currently not required to have travel insurance by law, but it is highly recommended to protect you from eye-watering medical bills and more.

Which is the cheapest policy?

The cost of travel insurance depends on a range of factors including your destination, duration of travel, age of travellers, planned activities, whether or not you have any medical conditions and the type of cover you choose (medical only, mid-range or comprehensive). The cheapest travel insurance is generally to less risky parts of the world - places with cheaper healthcare and less risk of injury, illness or theft - and policies which offer less coverage - so ones without benefits for adventure activities or pre-existing conditions. To get cheap travel insurance from Australia for your trip, create a quote and compare prices, but remember that the cheapest isn't always the best. You should consider your trip and what you require cover for.

Why should I buy travel insurance direct online?

Comparing prices and features online makes it easier to find the policy that's right for you and your circumstances. With comparetravelinsurance.com.au , the price you see is the same price direct from the insurer. Sometimes you're not after the best policy but rather the best bang for your buck and comparing prices and features online can save you time, worry and loads of money.

Our Travel Insurance Comparison Helps You Save Time, Worry And Loads Of Money!

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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The best travel insurance – 3,000 policies analysed (seriously…!)

It wasn't our idea of fun, but now your trip can be..

• Get an online quote in just a few minutes
• Free cover for dependent kids, under 21 travelling with you
• Optional add-on cover for your valuables

• Health members get 15% off
• Cheaper than average
• COVID cancellation

• Covers children up to age 25
• Kids travel for free
• COVID cover included

• Claim up to $5,000 for COVID cancellations
• Claim up to $50,000 for cancellation costs
• $7,500 rental car excess cover

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Did the CrowdStrike outage affect your holiday?

The global IT outage caused by CrowdStrike's glitch caused chaos at airports and ruined or delayed many people's travel plans.

We spoke to some of Australia's leading travel insurers to see what's covered and what's not. Read on to see what you may be able to claim for.

Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards , customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.

Show summary

• Great for value: Southern Cross Travel Insurance
• Great for COVID cover: Medibank travel insurance
• Great for families: World2Cover
• Great for domestic travel: InsureandGo

Insurance plans analysed

PDS features analysed

Recent travelers surveyed

2.6 million

Quotes served since 2014

See how this score is calculated

Pros and cons

• It's affordable compared to other popular insurers including Cover-More and Allianz.
• Its PDS is much easier to understand compared to the other 28 other international policies we looked at.
• High customer ratings on Finder (4.16/5) and other popular review websites such as product review (4.7).
• Our awards data suggests Fast Cover and Medibank tend to be slightly cheaper.
• Customers rated Tick more highly in the Finder Customer Satisfaction Awards.
• $2,500 cap on cancellations is low and risky for expensive trips. For example, it's unlimited with Fast Cover.

How Southern Cross Travel Insurance compares

*Example quote based on a single 40-year-old travelling to Bali for 2 weeks. Comprehensive policies. Data collected in October 2023.

Why we picked it

SCTI has one of the best claims experiences and an easy-to-read PDS. It's not just us that thinks so. It earned a finalist spot for General Insurance Claims Team of the Year at The International Travel & Health Insurance Journal Awards and won the Best Plain English Legal Document at the most recent Plain Language Awards.

SCTI also received a mere 3 complaints to the Australian Financial Complaints Authority (AFCA) in the latest period. By comparison, Mitsui, which underwrites insurers including InsureandGo, received 47. Very large insurers such as Zurich and AWP (Allianz) received 325 and 95.

It's also consistently good value. On average, it's one of cheapest comprehensive travel insurers, according to our 2023 Finder Awards research. Out of 28 policies, only Fast Cover and Medibank were marginally cheaper.

The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays , Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.

• $10,000 cap for COVID cancellation costs and unlimited medical expenses.
• It's cheap – $233 less than average, according to 300+ quotes we gathered.
• 15% discount for health members (making it the cheapest out of 28 policies).
• ahm and Travel Insurance Saver also cover up to $10,000 for cancellations.
• Only Medibank and ahm health members can access discount.
• $15,000 cap for luggage. SCTI and Cover-More have a $25,000 cap.

How Medibank Travel Insurance compares

Out of 19 comprehensive travel insurance policies, Medibank was one of three to come with a $10,000 cap on COVID related cancellations. ahm and Travel Insurance Saver also cover COVID related cancellations. However, Medibank has a higher Finder Score.

Additionally, our research showed a Medibank international policy cost $353 on average for a 2-week trip overseas. That's $233 cheaper than average, according to our research of 28 policies. It's even cheaper if you're a Medibank or ahm member. It could knock $53 off a $353 policy.

World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.

• Can cover kids up to the age of 25
• Up to $3,500 Covid cancellation cover per person – that's more than SCTI and Cover-More
• Unlimited cancellation cover
• Its underwriter received 43 complaints to AFCA – 21 more than Chubb and 40 more than SCTI (similar sized insurers)
• $5,000 rental car excess is lower than some e.g. Southern Cross ($10,000) and Allianz ($6,000)

How World2Cover Travel Insurance compares

*Example quote based on two 40-year-olds travelling to Bali for 2 weeks with 3 children aged 14, 12 and 7. Comprehensive policies selected. Data collected in October 2023.

Out of 20 travel insurers, World2Cover was one of the only brands to cover children up to the age of 25. It also doesn't have a limit on how many dependents can travel for free. Allianz can also cover kids on a family policy. However, it typically cost more in our research.

• It's very cheap. Out of 23 insurers, it's $180+ less than average.
• Get 10% off your travel insurance policy, using the code Finder10.
• Up to $7,500 towards car rental excess cover. That's $2,500 better than most.
• We found its PDS can be confusing and hard to understand.
• Cover-More, Fast Cover and SCTI also offer reasonably priced domestic policies.
• You absolutely need to read the PDS beforehand. There are lots of conditions attached to every benefit.

How InsureandGo Travel Insurance compares

*Example quote based on a single 40-year-old travelling in Australia for 1 week. All are domestic policies. Data collected in October 2023.

It's competitively-priced and won Finder's 2023 Best Domestic Travel Insurance Award. We looked at 23 domestic travel insurance policies as part of the awards and scored the same 14 features for every policy. These benefits included COVID rearrangement costs, theft or damage to luggage and rental car excess cover.

InsureandGo scored highly for a number of benefits including rental car excess cover, COVID cover, cancellation cover and luggage cover. You get up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs and $7,500 for rental car excess cover.

Similarly, it's good if you plan to rent a car while you're away. InsureandGo's top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident. The average is $5,000. This sometimes isn't enough to cover the excess rental car companies charge.

It is also cheaper on average. Overall, it ranked in first place.

Top 5 policies in travel insurance – domestic

• InsureandGo Gold Domestic
• Australia Post Domestic Travel Insurance
• Cover-More Domestic Comprehensive Travel Insurance
• NRMA Domestic Comprehensive Travel Insurance
• Southern Cross Domestic Travel Insurance

Its main drawback is its Product Disclosure Statement which contains lots of conditions and could leave room for instances where you won't be covered. For example, it can cover cancelling your trip before departure but only for a specific number of reasons. These include: " your unforeseeable death, injury or illness; you have to go to court to be a witness or be on a jury (but not as an expert witness); there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle (This only applies to self-drive holidays). "

Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.

Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics . That's an annual increase of 500,000+ people.

To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.

Save 10% on InsureandGo policies with Finder

Protect your trip with Qantas Travel Insurance

Get 10% off Kogan travel insurance policies

Get 10% off on Tick travel insurance policies

ahm and Medibank members get 10% off travel insurance

Earn Velocity Points with Cover-More

Get 8% off your Wise and Silent policy

15% off travel insurance for Medibank Private members

Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.

Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.

Their insurer, Southern Cross Travel Insurance , covered just under $3,000 in costs . The family paid a $500 excess to claim on 2 events.

Get a free travel insurance quote

Why you can trust Finder's travel insurance experts

What's the best type of travel insurance?

There are two main levels of travel insurance; basic and comprehensive. A basic travel insurance policy can cover you for health and medical emergencies. A comprehensive policy can cover your possessions too as well as other things like cancellation.

What's the best travel insurance with COVID cover?

Most policies will include some level of COVID cover so what's best can depend on how much you've spent on your trip. For example, many policies include COVID cover for up to $5,000. If your trip is costing you $9,000 then this might not be good enough for you. We've found higher limits with Medbank; here you're covered for up to $10,000 if your trip is cancelled due to COVID related reasons.

How far in advance should I buy travel insurance?

It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.

Is it best to get a single trip or annual policy?

Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip ( annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

But be aware, annual plans have been a little harder to come by since the pandemic.

What's considered a pre-existing condition for travel insurance?

Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.

What's the best travel insurance for Bali?

There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.

What's the best travel insurance for the US?

The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

• Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
• Resumption of journey. This can help pay you to get home if you're very sick.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

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Ready to get moving? See quotes and compare travel insurance policies for Bali from 15 brands

Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.

Qantas Travel Insurance offers various cover choices with the added benefit of travel points rewards for spending money on insurance when booking flights through Qantas.

Beware when swimming at Byron, Ballina, Bondi and Bells.

Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.

Ready to get moving? See quotes and compare travel insurance policies for USA from 15 brands

Compare Westpac Travel Insurance, see features, and more.

A guide to understanding cruise insurance - why you need it, what's covered, and what's not.

Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.

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International travel insurance for Australians

Protect your overseas trip with international travel insurance

Planning an overseas trip? Don’t forget to pack an important item that can help if things go pear shaped while you’re travelling abroad – an overseas travel insurance policy.

At Cover-More, we provide Australian residents with travel insurance for international trips to help protect against an array of unforeseen complications – from unexpected injury or illness to travel delays, lost luggage, and more.

Whether you are a frequent traveller , seeking the most comprehensive cover or on a budget, you can compare our plans to find the best international travel insurance for you. After all, taking out a policy could save you and your family on overseas medical bills, emergency evacuation costs and/or other unforeseen expenses.

Skip to read:

What is international travel?

Why do i need international travel insurance, what overseas travel insurance plans does cover-more offer.

• What does Cover-More international travel insurance include?

How do I know which Cover-More international plan is right for me?

• Why should I consider Cover-More's travel insurance for my overseas holiday?

International travel is any travel that takes you out of Australia. This could be for work, a personal holiday, or to visit relatives who live overseas.

It might be an island escape to Fiji, a snowboarding trip to Japan, a backpacking trip through Europe, or a cruise in the South Pacific. Whether you’re taking a short trip or are travelling for an extended period, protecting your trip with international travel insurance for Australians is important.

It’s important to consider protecting your trip abroad with the right level of travel insurance for you.

From minor mishaps to major emergencies, international travel insurance may help offer financial protection when things go wrong – and could even help get you back home if need be.

Worldwide travel insurance can provide cover for incidents such as:

• Overseas emergency medical and dental costs – which can be extremely expensive in many countries
• If your luggage is lost, stolen, or delayed
• Missed flight connections or travel delays

With international travel insurance you can worry less and travel more, knowing you’ve got protection if something goes wrong.

At Cover-More, we offer three different international travel insurance plans. You can choose the plan that suits the level of cover you require – and your budget.

• International Comprehensive+: our most comprehensive overseas travel insurance for Australian travellers with our highest benefit levels, plus extra business-related benefits included for business travel.
• International Comprehensive: our mid-tier comprehensive plan with excellent benefits and coverage levels for travellers who want comprehensive cover for their trips abroad.
• International Basic: our base-level insurance plan with essential benefits – including $Unlimited~ overseas medical expenses – for Australian travellers on a budget.

If you’re a frequent traveller, our International Comprehensive+ and International Comprehensive Plans can be purchased as an Annual Multi-Trip policy. This provides cover for unlimited trips (up to the maximum duration per trip you choose) to your selected destinations over a 12-month period.

What does Cover-More international travel insurance cover?

If you travel overseas as a Cover-More travel insurance policyholder, we may be able to help if something goes wrong.

Check out some of the benefits below. Each plan has different benefits so consider carefully what your needs may be.

Each of our three international travel insurance plans for Australian travellers have some benefits that differ and the benefit coverage amounts can vary. You can compare our plans below to find the best overseas travel insurance plan for you:

* Sub-limits apply. Please refer to the PDS for full policy conditions.      ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.      ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.      ^ Cover chosen applies per policy.      † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.      • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See PDS for full details.

For full details on the terms and conditions, sub-limits, and exclusions you should consider before you purchase, read the PDS . You can also get a free quote online now.

You can compare our worldwide travel insurance plans above to find the one that best fits your travel requirements and budget. We recommend you also read the Product Disclosure Statement before purchasing to understand what you are – and aren’t – covered for under our plan.

If your trip includes a multi-night cruise you need to tell us and Cruise Cover will be added to your policy. An additional premium applies.

As a Cover-More customer, you can also vary your cover to fit your individual requirements for an additional premium by:

• adding a suitable level of amendment and cancellation cover; 
• adding our Snow Sports or Snow Sports+ Cover to your policy if your winter holiday includes snow skiing, snowboarding, and/or snowmobiling;
• including our Adventure Activities or Adventure+ Activities Cover if you’re planning on engaging in activities not automatically included in our plans;
• adding Motorcycle/Moped Riding Cover or Motorcycle/Moped Riding+ Cover if you’re planning on driving or riding motorcycle or moped while aboard.

Got questions? Call our team on 1300 72 88 22 during business hours.

Ready to purchase? All Cover-More policyholders are covered by a 21-day cooling-off period**, which means we can refund you for the cost of your policy should you change your mind within this period.

​Why should I consider Cover-More travel insurance?

At Cover-More, we encourage all international travellers to consider taking out worldwide travel insurance as part of their holiday preparation – because you never know what might happen while you’re away.

Our customer Katie-Anne was involved in a car accident while on a trip in the United States of America. Our Cover-More team was there to help in her time of need – liaising with medical staff, paying for hospital bills, and making sure that Katie-Anne and her partner Jacob had the emotional support they needed. We also paid Katie-Anne's overseas medical expenses claim, which ended up totalling over $900,000.

Watch as she shares her heartfelt story:

Want us to safeguard your overseas holiday?

Discover our best international travel insurance plan for you.

** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.

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Table of Contents

Different types of travel insurance

Do you need travel insurance for australia, which credit cards offer australia travel insurance, other ways to get travel insurance, if you want to get travel insurance for australia.

Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance . Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance . Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance . Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance . Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance . Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance . A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance . Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

» Learn more: The best travel insurance companies, according to Nerds

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

» Learn more: What you need to know before shopping for travel insurance

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.

Many Chase credit cards offer primary rental car insurance, which will cover you in the event of an accident without needing to involve your personal auto insurance company. You’ll need to decline the rental car company’s coverage and pay with your eligible Chase card .

You can find trip delay insurance, emergency medical evacuation, lost baggage coverage and more among the different protections offered by these cards. Here are some of the more common travel cards that provide complimentary travel insurance.

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express . Terms apply.

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

United℠ Explorer Card .

You’ll want to read each card’s benefits guide very carefully before deciding which card to use. For example, both the The Platinum Card® from American Express and the Chase Sapphire Reserve® offer lost luggage insurance. Terms apply.

However, insurance from the The Platinum Card® from American Express only applies in the event that you’ve either paid for the full fare with your AmEx card or have redeemed your AmEx points for the flight. Using your card to pay the taxes and fees on an award flight you’ve booked elsewhere — such as redeeming Delta SkyMiles for your flight — does not mean that you’ll receive insurance coverage benefits. Terms apply.

This is in contrast to the Chase Sapphire Reserve® , whose lost luggage benefit is much more generous. In the event that your luggage is lost, you need only have paid the remainder of the charges for the flight after redeeming reward miles, points, coupons or other certificates. This means that charging just the taxes and fees on your card renders you eligible for benefits.

Aside from American Express and Chase cards, you may also want to consider the Capital One Venture X Rewards Credit Card .

Capital One’s offering includes a plethora of travel insurance benefits, including primary rental car insurance, travel accident insurance, trip cancellation and interruption insurance, lost luggage reimbursement, trip delay reimbursement, travel and emergency assistive services and more. Of course, in order to qualify for these benefits, you’ll need to have charged the trip to your card. Benefits may change over time.

» Learn more: The best credit cards with travel insurance

Even if your card provides complimentary travel insurance, you may also want to consider acquiring an additional policy — especially if you’re planning on some of the more adventurous activities you’ll find within Australia, such as camping in the Outback.

Health insurance benefits provided by credit cards such as the Chase Sapphire Reserve® max out at relatively low levels, which may mean you end up paying out of pocket in the event of an emergency.

If you’re looking for a supplemental policy, you’ll want to check quotes from a variety of providers. You can do this manually, but websites such as Squaremouth will compare multiple policies at once, making it much easier to peruse offerings. You can also filter your search according to the type of coverage you’d like.

» Learn more: Is travel insurance worth it?

Travel insurance can provide peace of mind to the wary traveler. Whether or not you’re interested in purchasing travel insurance, a variety of credit cards offer complimentary coverage for incidents such as trip delays, emergency medical care, rental car collisions and lost luggage.

Otherwise, you may want to consider buying an additional policy to ensure that you’re covered. If this is what you’re looking to do, make sure to acquire quotes from a variety of providers in order to find the best deal possible.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Travel Insurance with Worldcare

Compare our travel insurance plans

Overseas Emergency Assistance

Worldcare is part of the Allianz Group. We have access to a global network of medical experts to assist you if things go awry when you are away from home.

Overseas Medical & Hospital Cover

Our Comprehensive travel insurance is designed to cover you when you're injured, sick or need urgent medical treatment when travelling overseas*.

Optional Cover Extras

For an additional cost, you may be eligible to include cover for additional activities, increase the limits that apply to valuables or vary the base excess on your Comprehensive, Multi-trip or Domestic policy.

24/7 Emergency Call Centre

If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available.

The war in Israel may affect your policy coverage for travel to Israel and neighbouring countries. Check  Smartraveller  and  Allianz Partners  for travel alerts or advisories for your intended destination.  

What is travel insurance and how does it work.

Travel Insurance is a way of insuring yourself against those unexpected mishaps that can pop up on holiday and cost you money. If something goes awry on your trip,  you can make a claim  and if it’s covered by your policy, you may be entitled to be reimbursed for all or part of the cost (subject to any excesses that may apply).

What does Worldcare offer?

PLEASE NOTE: The below is a summary only. *Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

International Travel

Designed to cover overseas medical assistance, personal liability, travel delays, lost or stolen luggage, and more*. Choose the level of cancellation cover and purchase optional packs for activities you have planned for your trip*.

• Domestic Travel Insurance

While travelling throughout Australia, Domestic Travel Insurance is designed to cover for cancellation, travel delays, lost or stolen luggage, rental vehicle excess, and much more *.

• Cruise Travel Insurance

For an additional premium add our Cruise Pack for sea or ocean cruising overseas and in Australian waters to our Comprehensive, Multi-Trip or Domestic policies. Designed to cover medical costs on board, ship to shore evacuation, lost or damaged formal attire plus more*.

Snow & Ski Trip Insurance

For an additional premium, you can add our Snow Pack to Comprehensive, Multi-Trip or Domestic policies. Designed to provide cover for you to participate in a range of snow sport activities, your equipment, piste closure, emergency rescue and more*.

• Travel Insurance for Seniors

Worldcare offers different travel insurance options designed to cover travellers over the age of 75*. This includes our Comprehensive Travel Insurance and Domestic Travel Insurance.

Pre-existing Medical Conditions

We cover a large number of pre-existing medical conditions. Simply complete our medical assessment in order to apply for cover for your pre-existing medical condition*. Additional premiums may apply.

Why choose Worldcare Travel Insurance?

A name you can trust.

We’ve been helping Aussie travellers for more than 35 years, and our policies are underwritten by Allianz Australia Insurance Limited.

Flexibility, choice, and great value

Our Comprehensive, Multi-Trip and Domestic plans allow you to choose the level of cancellation cover you need as well as the option to increase the cover on valuable items you may wish to take with you.*  We also provide the option to vary the excess you pay if anything goes wrong when travelling.

We are Global

Through our global support network, we have medical experts ready to help when the need arises.

Let us take Worldcare of you

At Worldcare we arrange your insurance, answer any questions you have, provide emergency medical assistance, and help with your claim.

Frequently Asked Questions

What is travel insurance designed to cover.

When travelling overseas, travel insurance can be especially important. Our Comprehensive and Multi-Trip policies are designed to provide cover for:*

• overseas emergency medical bills
• emergency assistance
• cancellations or delays to your trip outside of your control
• stolen or lost luggage
• many other unfortunate situations

*The above is a summary only.  Please refer to the Product Disclosure Statement for full terms, conditions, exclusions, limits and applicable sub-limits.

Do I need travel insurance for trips within Australia?

Lost or stolen luggage, cancellations and delays or an accident in your hire car could all leave you out of pocket and these are just some of the things Worldcare Domestic travel insurance is designed to cover*.

Read more about  Domestic Travel Insurance .

*Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

How much does travel insurance cost?

The cost of your policy is called a 'premium'. You will be advised of the premium that is payable for your policy when you apply. This will also be shown on your Certificate of Insurance. The premium amount will depend on a number of factors and is calculated based on:

• your risk profile - we work this out using a number of factors such as your travel destination(s), the length of your journey, the amount and type of cover you require, the number of people insured under the policy and their ages, the time between the date you purchase your policy and the start date of your journey, the pre-existing medical condition(s) of the people insured under the policy and the likelihood of a claim being made on your policy.
• any discounts that may apply
• any government charges we pay, such as Stamp Duty and GST
• any other charges we tell you about
• the excess you choose

It’s a good idea to compare travel insurance quotes to ensure you are getting coverage that suits your needs.

How long does travel insurance last?

That’s up to you. When buying a policy for a single trip you’ll be asked the start and end date of your journey.

You can also purchase annual travel insurance known as a Multi-Trip policy. This is designed to cover multiple journeys during a 12 month period, up to your nominated maximum journey period of 15, 30 or 45 days.

Read more about  Multi-Trip Insurance .

What are travel insurance exclusions?

Travel insurance exclusions are circumstances, activities, items or equipment that an insurer will not provide cover for. That means you are responsible for any costs incurred due to an excluded incident or related to an excluded item.

Exclusions are listed in the  Product Disclosure Statement of a travel insurance policy.

What is travel insurance excess?

Travel insurance excess is the amount which will be deducted from any claim paid to you under the sections of your policy to which an excess applies. Some policies allow for a base excess to be increased (which lowers the premium you have to pay) or decreased (which increases your upfront premium).

You will be advised which options are available to you at the time you purchase your policy. In some circumstances Worldcare may impose a medical excess for claims arising from certain medical conditions.

We will inform you in writing if any additional excess applies.

Snow and adventure packs have an excess of $500 per pack in addition to your chosen base excess, which can't be changed or removed.  This excess relates to Overseas Medical & Hospital Expenses or Cancellation claims arising from your participation in snow sport or adventure activities.

There may also be other benefits that have an excess that applies.

Please refer to the  Product Disclosure Statement  for full details.

What are Pre-Existing Medical Conditions?

A pre-existing medical condition is a condition, including a dental condition or mental illness, of which you were, or a reasonable person in your circumstances should have been, aware of at the time of issue of the Certificate of Insurance, and including certain conditions up to two years prior (see the  Product Disclosure Statement for full details).

Worldcare Travel Insurance includes some pre-existing medical conditions that we cover at no extra cost, subject to acceptance under the below assessment process. 

In order to get cover for your pre-existing medical conditions (including those which we cover without additional charge), when getting a quote, if you click ‘Yes’ to ‘Pre-existing medical condition?’ our online medical assessment tool will guide you through the assessment process. You should also check the definition of pre-existing medical condition in the  Product Disclosure Statement  to see if you have a pre-existing medical condition. If you are still unsure, please  contact us .

If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions limits and applicable sub-limits listed in the  Product Disclosure Statement .

What happens if I experience an emergency whilst overseas?

Call emergency services immediately if your condition is life threatening.

For emergency assistance, Allianz Global Assistance is only a telephone call away. Allianz Global Assistance is available 24 hours a day, 7 days a week.

If you are in Australia, simply dial 1800 010 075

For all other countries, dial +61 7 3305 7499.

Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Please note that Allianz Global Assistance will not pay for any hospital or medical costs incurred in Australia.

Allianz Global Assistance is a supplier of travel insurance and medical assistance. The Allianz Global Assistance Australian headquarters is located in Brisbane City, Queensland.

The purpose-built Global Response Centre is an environment that operates 24 hours, 365 days a year, and is supported by sophisticated telecommunications and information technology systems.

What if I need to make a claim on my travel insurance policy?

You can submit a claim upon your return to Australia or while still on your trip. You can lodge a claim online 24 hours a day at  www.travelclaims.com.au .

If you have received medical treatment as an outpatient while overseas and the costs are less than $2,000, you would normally pay for the treatment, obtain a medical report from the treating doctor and keep all medical receipts and associated expenses to lodge your claim on your return home.

At any time, you can call the 24/7 Worldcare team for advice regarding this process.

If the treatment is likely to exceed $2,000, then you should contact us as soon as possible. Our team will support you through the process of lodging your claim while you are travelling.

The team will be able to speak with the medical facility to explain the requirements of the claim process in order to confirm cover. We may be able to authorise payment directly to the facility for you.

What if I need to cancel my policy or obtain a refund?

Please call us on  1800 440 806  (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at  [email protected]

If you cancel within 14 days of your Certificate of Insurance being issued, provided you have not started your journey and have not made a claim or do not intend to make a claim you will be refunded the full premium paid.

If you wish to cancel your policy more than 14 days after your Certificate of Insurance is issued, provided you have not started your journey and have not made a claim or do not intend to make a claim we will calculate a partial refund of the premium you paid.

Refer to the cooling-off period section of the  Product Disclosure Statement

Can I get a refund on my travel insurance premium if my travel plans have changed due to COVID-19?

If a COVID-19 border closure or mandatory quarantine period prevents you from travelling, or requires you to shorten your journey while travelling, you may be entitled to receive a partial or full premium refund.  Please refer to the  Product Disclosure Statement for more details.

Please note, eligibility criteria applies.

If you have any questions please call us on  1800 440 806  (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at  [email protected]

Am I covered if I or my travel companion contract COVID-19 or need to cancel, reschedule or shorten my trip due to COVID-19?

Worldcare Travel Insurance offers cover under selected benefits if, during your period of cover, you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and you have not travelled against the advice of an Australian government. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

PLEASE NOTE: there is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by an Australian government or a reliable mass media source.

You can always make a claim for consideration.  All claims for cancelling, shortening or rescheduling due to an epidemic or pandemic, such as COVID-19, will be assessed in accordance with the facts and circumstances of your claim and the terms, conditions, limits and exclusions of your policy.

If there is a travel alert, warning or ban in place, will I be covered if I decide to travel?

There is no cover under any benefit of this policy if your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:

• by the Australian government (when a reconsider your need to travel or do not travel alert is in place), which can be found on Smartraveller ; or
• which was published in a reliable mass media source.

Before purchasing travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).  Please note, this also applies even if the Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip! Subscribe to Smartraveller to receive travel alerts and advisory updates via email.

Refer to the General Exclusions in our  Product Disclosure Statement for a full list of exclusions.

Sales and General Enquiries

• 1800 008 614

Claims and Client Services

• 1300 726 087

Travel Insurance Products

• Comprehensive Travel Insurance
• Multi-Trip Travel Insurance
• Travel Insurance Claim Process

Quick Links

• Product Disclosure Statement
• Policies and support services
• Target Market Determination
• Travel Alerts
• Privacy Notice

Travel Insurance For

• Adventure Travel Insurance
• Skiing & Snowboarding Insurance

Travel Insurance Products  

Quick links , travel insurance for .

Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (AGA) which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the  Product Disclosure Statement . The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html . AGA receives a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

© 2024 AWP Australia Pty Ltd ABN 52 097 227 177. All rights reserved.

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International Travel Insurance

Don't let unforeseen events ruin your trip abroad. Choose Travel Protect's international travel insurance policies for that extra sense of security and peace of mind when travelling overseas.

Travel Protect International Travel Insurance

When travelling overseas, anything can happen, from minor inconveniences to major emergencies. Travel Protect's range of international trip travel insurance options offers tailored solutions to suit your travel needs and give you financial protection if things go wrong. Compare our options to find one that meets your requirements and budget.

Other trip types

Why do i need international travel insurance.

Protecting your overseas trip with the right level of coverage is important. Every trip is unique, and you should customise your policy to cover your travel plans. With Travel Protect international travel insurance, you can select coverage for overseas emergency medical and dental costs, stolen, lost, or damaged luggage, personal liability, and more. Choosing Travel Protect means you have one less thing to worry about and can travel with peace of mind.

How do I know which plan is right for me?

At Travel Protect, we understand that each traveller has unique needs. That's why we offer a range of travel insurance options to suit your travel requirements and budget. Whether you're renting a car for a skiing holiday or going for a beach vacation, you can find the right cover for you. Simply let us know your travel plans to get a customised coverage quote.

What’s Covered through Travel Protect International Travel Insurance?

Our policies can be tailored to your travel plans. A Travel Protect international travel insurance quote can include benefits such as trip cancellation, luggage and personal effects, emergency medical and dental costs, personal liability, rental car coverage, and COVID-19 cover. Get a quote today and find the right international travel insurance option for you.

• Explore a Diverse Array of Travel Insurance Plans - Tailor Cover to Fit Your Needs on Our Website Today!
• Stay Protected with Top-Notch Emergency Assistance Services - Discover How We've Got You Covered on Our Dedicated Emergency Assistance Page .
• Hassle-Free Claims Process Made Easy - Get the Inside Scoop on Our Smooth Claims Procedure by Visiting Our Informative Claims Page
• Exceptional Customer Support - Have Burning Questions About Our Travel Insurance Products or Services? Don't Hesitate to Reach Out to Our Friendly Team for Prompt Assistance.
• Unveiling the Fine Print - Explore Our Policy Wording to Unravel the Intricacies of Coverage Terms and Conditions, Ensuring You Make the Most of Your Baggage and Personal Effects Insurance.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.

Get a quote for international travel insurance online today

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Travel insurance.

Read this page in another language: اللغة العربية , 中文简体 , 中文繁體 , Bahasa Indonesia , 日本語 ,  한국어 ,  Tiếng Việt , ภาษาไทย .

This page is for Australians wanting to know more about travel insurance.

Explore this page to learn:

• why travel insurance is important
• how to choose the right insurance
• when insurance does not cover you
• how the Australian Government can help

Why travel insurance is important

Travel doesn't always go to plan. The right insurance is as essential as a passport for travel overseas. You'll depend on your travel insurer for help if things go wrong. They can give both financial and practical support. Without it, you or your family could suffer financially.

Get insurance regardless of who you are, where you're going and what you're doing.

Learn why insurance is important in the CHOICE travel insurance buying guide.

How to choose the right travel insurance

Not all policies cover all things. Always read the Product Disclosure Statement (PDS) before you buy a policy. It will tell you:

• what you are covered for (inclusions)
• what you aren't covered for (exclusions)
• word definitions
• how the claims process works
• what emergency support they provide.

The CHOICE travel insurance buying guide  has advice on how to read the PDS and what to think about before you buy.

Choose a policy that suits your needs.

• Consider where you're going.
• Decide how long you're going for.
• Think about what you'll do there.
• Think about your age and health.
• Work out how much your valuables are worth.
• Shop around and choose what's right for you.

Consider where you're going

Some policies are country specific. Others are worldwide. The level and cost of cover can vary depending on where you travel. Insurers may be more concerned about risks in some regions or destinations than others.

• Choose a policy that covers you for every country you're travelling to. Include stopovers and transit points.
• Check the current situation where you're going. Read about the risks in each destination's travel advice . Understand what each advice level means.
• Make sure your destination's advice level isn't 'Do not travel'. Check if your policy covers you for cancellations if the advice level goes up after you've booked.

Decide how long you're going for

Travel insurers usually quote based on how many days you'll be away.

• You may want a one-off travel insurance policy if you plan a quick trip. These are for a set number of days.
• Consider an annual multi-trip policy if you travel often or for long periods. It may be more convenient and better value.

Multi-trip and credit card policies can restrict the length of each trip you take. Some allow you to pay for extra days. Read the fine print in your policy.

Compare CHOICE reviews of single-trip and annual multi-trip policies.

Think about what you'll do there

Insurers exclude a lot of activities from their standard policies. Even common activities, like going on a cruise or skiing. You may need to pay extra to ensure what you're planning to do is covered. Or, get a specialised policy. Check the policy's fine print.

• Check the list of included and excluded activities.
• Check their definitions for activities. For example, they may consider walking in the mountains above a certain altitude as mountain climbing.
• You might need to pay for extra cover for your activities. This is often the case for skiing, bungee jumping, scuba diving, hiking or riding a motorcycle.
• If you plan to drive, check if you're covered or can pay extra. It could be cheaper through your travel insurer than getting a car hire company policy.

If you live overseas long-term, Australian insurance providers might not cover you. Your visa conditions may require you to get a local health insurance policy. Make sure you check.

Think about your age and health

Travel insurance is essential if you end up sick or injured. Medical assistance is usually the highest unexpected cost for Australians overseas. Most countries won't give you free or subsidised care. You, or your insurer, must usually pay full price.

• Hospitals in some countries will refuse to treat you if you don't pay upfront or hand over your insurance details. Even if it means you might die.
• Hospitals in countries with a reciprocal health care agreement may treat you in an emergency. But you may still have to pay for some of your costs.

If you're older or have pre-existing conditions

Your age and health will impact the cost and type of policy you need. This especially applies if you have pre-existing conditions.

• You must tell your insurer about all pre-existing health conditions.
• If you're unsure your condition is covered, ask your insurer.
• Your insurer may ask for a health check.
• Most policies have an age limit. Mature Australians often pay more for cover.

It may be harder to get insurance if you have a pre-existing medical condition. You may need to

• find a specialised insurer
• get a policy that covers you for situations unconnected to your condition.

If you don't have insurance and can't afford to pay for healthcare

You'll have to cover the cost of treatment if you don't have insurance. If you can't pay, you'll have to ask your family or friends for money. If you don't pay your medical bills, you could be:

• arrested or jailed
• prevented from leaving the country until you pay
• sued by the hospital, even if you've already left the country.

The Australian Government can't pay your bills.

Work out how much your valuables are worth

Travel insurance can cover replacing your baggage and valuables if they're lost, damaged or stolen.

Some insurers will also help you organise a replacement while you're away if you need it urgently.

Expensive items may cost you more to insure. Think about what you're taking with you. Consider what it would cost to replace those items if they get lost, stolen or damaged.

Policies vary when it comes to how they cover valuable items. They often limit each item's value. Adding cover for valuables can range from 100s of dollars to 1000s.

• Check individual item limits on your baggage cover. You may need to take out extra insurance to cover your valuables.
• Check the excess. On many policies, it's more than the value of the items you're taking. Consider paying extra to reduce or remove your excess.
• If you're not taking expensive items, you could save on your premium by selecting a policy with less baggage cover or lower limits. Or choosing a medical-only basic policy.

Always check the fine print on your policy in the PDS. See what items they exclude and the situations they'll cover.

Also, see our advice on preventing theft .

Shop around and choose what's right for you

There are plenty of insurers with a range of policies for you to choose from. The most important thing is choosing a policy that covers what you need for you and your trip.

Resist the temptation to get the cheapest option without checking that it suits your needs. This also applies to free credit card travel insurance. Consider your unique needs and read the PDS. If it's not a match, it's not good value.

• Browse and compare your options on Find an Insurer .
• Read the CHOICE travel insurance buying guide . Check out their reviews .
• Narrow down your options to policies with the inclusions you need.
• Read the PDS for your shortlisted policies. You'll be surprised what situations and items some policies exclude.

Choose and buy the policy that's right for you. Always declare everything upfront when you buy your policy. If you don't, you may void it.

Comprehensive travel insurance

A comprehensive travel insurance policy covers a lot. These policies cover most things for most people in most situations. It won't cover everything or everyone. You may still want to explore the insurer's optional extras or opt for higher item limits if you take expensive items.

Some cover more in their standard policies without paying for extras. For example, some comprehensive policies cover skiing and SCUBA diving. On other policies, you have to pay more.

Compare CHOICE reviews of single-trip and annual multi-trip travel insurance policies.

Basic travel insurance (medical only)

Basic cover can be a popular choice with backpackers and budget travellers. It's generally for people who travel light, without expensive items and want the cheapest option.

Basic policies still cover your health and medical emergencies.

They usually don't cover your property or cancellation costs. If they do, the conditions are more restrictive, and claim limits are much lower. Usually, they have a much higher excess than comprehensive policies.

Credit card travel insurance

Some credit cards come with free travel insurance. Before you default to the free option, make sure you understand:

• what it covers
• how much it covers
• what you must do to activate it.

Credit card insurance is different from most comprehensive policies. Often, they cover fewer situations and have lower item limits. Before you go with the free option, read the PDS. Compare it to one from a comprehensive policy so you understand what it will cover you for.

Read credit card travel insurance reviews by CHOICE.

Activating credit card insurance

You usually have to 'activate' the insurance policy. Before you choose to go with the free option, make sure to confirm how to activate it with your bank. Don't assume it's activated. You could find yourself overseas without insurance when you need it.

Cancellations and delays

Plans change. So do advice levels in our travel advisories. Travel insurance can cover cancellation costs if you need to change your plans.

Find out what your policy covers. Read the PDS before you buy your policy.

For more information on cancellation cover , see the CHOICE travel insurance guide.

When insurance does not cover you

What you're covered for depends on the type of policy you get. But you usually won't be covered if something goes wrong while you are:

• breaking the law. For example, not wearing a helmet on a moped.
• under the influence of alcohol or drugs. Even a low blood alcohol level can get your claim denied.
• doing an excluded activity. For example, if you broke your leg skiing when your cover expressly excludes skiing.
• in a 'Do not travel' destination.

Insurance will also rarely cover:

• the theft of items you left unattended
• claims caused by a pre-existing condition that you did not declare upfront.

How the Australian Government can help

The Australian Government is limited in how and when it can help Australians overseas. Understand how we can and can't help. Read the Consular Services Charter .

We can't pay your bills for you.

You must take responsibility for your situation when you travel. This includes your finances. Consular services are not a 'backup plan' if things go wrong and you need money . We expect all Australians travelling overseas to take out appropriate insurance for their trip.

• Read the travel advice for the destinations you're travelling to and through.
• Learn about the travel basics  before you go.
• Find our advice for travellers with disability . This includes getting travel insurance.
• Understand how and when we can help. Read the Consular Services Charter .
• Read the travel insurance buying guide and reviews (CHOICE).
• Free is not always the best value. Read credit card travel insurance reviews (CHOICE).
• Browse and compare your options on Find an Insurer . (Insurance Council of Australia).

Related content

This page provides mature travellers with information to prepare for a hassle-free journey. Properly preparing before you travel will help you have a safe trip.

Browse our general advice pages on a range of travel topics, to learn what you need to know before you go.

If you're leaving Australia, travel insurance is just as essential as your passport. The CHOICE buying guide makes finding the right travel insurance easy.

Travel Insurance

Great value travel insurance with australia post.

We have different plans to suit your travel needs.

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International comprehensive insurance

Premium coverage for luggage, cancellations, medical expenses and more.

International basic insurance

Budget overseas holiday cover for unexpected medical costs and personal liability.

Domestic insurance

Protect your car hire, luggage and plans when travelling in Australia.

Annual multi-Trip insurance

Travelling more than once this year? You could save time and money.

Award-winning cover 8

Australia Post Travel Insurance was awarded MOZO's People's Choice for most recommended, outstanding customer satisfaction, and the Expert’s Choice for exceptional value medical only cover in 2023 and 2024.

Why choose Australia Post Travel Insurance?

We deliver great value cover you can depend on and make it easy for you to compare plans and find the international or domestic cover that suits your needs.

COVID-19 benefits for domestic and international plans 1,2

Choose your excess.  You can choose your excess on the international travel plans, the higher the excess chosen, the lower your premium will be.

Increased luggage cover.  You can increase coverage of valuable individual items with our International Comprehensive and Domestic travel plans.

Increased rental car insurance excess cover.  You will have $3,000 standard cover on an International Comprehensive or Domestic plan, with the option to increase.

Skiing, snowboarding, motorcycling and mopeds.  We can cover winter sports or riding motorbikes - just ask us for a new international travel insurance quote. Plus, cover for activities like abseiling, jet boating, paragliding, snorkelling, kayaking and bungy jumping is included in our policies.

Frequently asked questions

Why is travel insurance a good idea?

Travel insurance is useful for travellers domestically and abroad as it may offer financial protection against unforeseen disruptions that may affect your trip. These include trip cancellation, medical expenses, lost luggage and emergency assistance. Notably, medical and dental expenses make up nearly one-third of international claims. 3

Contrary to the belief of 43% of Australian travellers , neither the Australian Government nor Medicare will cover overseas medical expenses, despite the government handling over 20,000 cases each year , including those requiring hospitalisation or evacuation. This is a compelling reason for travel insurance. With Australia Post's affordable travel insurance policies, you may be covered for a wide range of possibilities plus access to a 24-hour emergency assistance team.

How to choose a travel insurance policy?

Determining which travel insurance policy cover for you depends on various factors, including your budget, preferences, the value of your belongings, the duration of your trip, the destinations you'll be visiting and any activities you plan to participate in during your travels.

Australia Post offers a range of travel insurance options designed to cater to different travel styles and budgets: International Comprehensive ,  Basic International  and Domestic , all offering Annual Multi-Trip  travel insurance options. Compare  these plans to see which is suitable for your trip.

Additionally, if you have any pre-existing medical conditions, you can complete an online medical assessment when you obtain your online travel insurance quote . While we automatically cover numerous medical conditions (subject to the criteria outlined in the PDS), others may require a medical assessment or payment of an extra premium.

To help you select which Australia Post travel insurance cover may be appropriate for your needs, we recommend you carefully review the Product Disclosure Statement (PDS) .

What do Australia Post's travel insurance plans cover?

Australia Post offers a range of travel insurance options to cover you during your journey. The general benefits and cover options vary depending on the selected policy. Interestingly, the Australian Government has noted that more than 90% of travellers will seek out insurance covering them for cancellation and medical expenses caused by COVID-19. Australia Post travel insurance plans include specific COVID-19 benefits. 4

With Australia Post insurance plans, your cover includes: 5

• Overseas medical and dental expenses: Provides benefits for overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses, including cover for COVID-19-related medical expenses.
• Additional expenses: Provides benefits for additional accommodation and transportation expenses resulting from specific occurrences such as sickness, natural disasters, loss of travel documents and strikes.
• Amendment or cancellation: Includes benefits for the cost of rearranging or cancelling your journey due to unforeseen circumstances outside your control, such as illness, accidents or extreme weather conditions.
• Luggage and personal effects: Reimbursement for lost, stolen, or damaged luggage and personal items.
• Travel documents: Replacement cost cover for lost or stolen travel documents, passports, and credit cards.
• Rental car insurance excess: Rental vehicle excess charges incurred due to rental car damage or theft.
• Travel delay: Reimbursement for additional accommodation expenses if your scheduled transport is delayed over six hours.
• Accidental death and disability: Benefits paid in case of accidental death or permanent loss of sight or limb functionality resulting from an injury sustained during your journey.
• Personal liability: Cover for personal liability if your negligent act or omission during the journey causes bodily injury or property damage to others.

Limits, sub-limits, conditions and exclusions apply. For specific details and limits of cover, refer to Australia Post's Product Disclosure Statement (PDS) .  

Am I covered for cancellation, travel changes or costs incurred due to the Coronavirus (COVID-19)?

Australia Post travel insurance does not provide cover for trip cancellations, travel changes or costs related to COVID-19. If you need to cancel or amend your trip due to COVID-19, your policy won't cover any associated costs. However, there are COVID-19 benefits 4 provided by Australia Post travel insurance, including cover if you're travelling internationally and diagnosed with COVID-19 resulting in hospitalisation.

When planning travel arrangements, it's crucial to factor in the potential impact of COVID-19 and understand the extent of cover your insurance policy provides. The Australian Government reports that more than 90% of travellers seek insurance including cover for unexpected trip cancellation and medical expenses resulting from COVID-19.

Refer to the Product Disclosure Statement (PDS) to review the terms and conditions of your policy. If you have any questions, please contact us on 1300 728 015, 7 days a week (8am - 7pm Mon-Fri, 8am-7pm Sat, 10am – 3pm Sun).

Does Australia Post travel insurance cover pre-existing medical conditions?

Australia Post offers cover for certain pre-existing medical conditions , with some automatically covered (subject to the criteria outlined in the PDS) and others requiring a medical assessment and/or an additional premium payment. You can complete an online medical assessment when you obtain your online travel insurance quote .

Pre-existing conditions encompass diseases, illnesses and medical or dental conditions, plus physical defects that meet specific criteria including recent hospitalisation, medication requirements, ongoing treatment, specialist consultations, documented medical issues or pending diagnoses.

Please read the combined FSG/PDS (PDF 696kb)  for definitions of existing medical conditions and any exclusions or conditions that may apply, or call us on 1300 728 015 for further guidance.

What expenses are covered if I get sick or injured overseas?

If you get sick or injured while travelling overseas, Australia Post travel insurance offers potential cover for various medical expenses. Approximately one-third of international insurance claims are associated with medical or dental issues. 3

A list of expenses covered may include 7 :

• medical and hospital expenses incurred due to illness or injury
• emergency dental treatment expenses for sudden and acute pain relief
• emergency evacuation or repatriation if medically necessary
• additional expenses for a family member or close relative to accompany you or visit you if you are hospitalised for a prolonged period
• additional accommodation and travel expenses due to unexpected illness or injury, including expenses for a medical escort if necessary

For the complete list of medical expenses covere included in your policy, check the Product Disclosure Statement (PDS) .

Travel alerts

Important information regarding Coronavirus (COVID-19) outbreak.

More information

Visit the following pages to learn more:

• Make a claim
• Claims advice on world events
• Policy information
• Existing medical conditions
• Help and emergencies
• Travel Insurance customer reviews
• Find your travel essentials

For help choosing a plan, or assistance with your claim, call us on 1300 728 015 Monday to Friday (8am-7pm EST), Saturday (9am-4pm EST) and Sunday (10am-3pm EST).

For urgent help while you're overseas, call our emergency assistance team - direct and toll free - using the contact numbers provided in our Help and emergencies section.

1  Medical and dental cover will not exceed 12 months from onset.

2  Limits, sub-limits, conditions, exclusions, and fees apply.

3 According to Cover-More

4 See PDS Section 17: COVID-19 Benefits, pages 74-77 for the full details of what is and isn’t covered. Please note there is no Amendment or Cancellation cover.

5 Limits, sub-limits, conditions and exclusions apply. This is only a summary of the benefits provided. Please read the PDS carefully to understand what a policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

6 See PDS Section 17: COVID-19 Benefits, pages 74-77

7  See PDS Section 1: Overseas Medical and Dental Expenses, pages 50-51

8  Winner of the 2024, 2023 Mozo People's Choice Award for Exceptional Value Medical Only Travel Insurance, Outstanding Customer Satisfaction, Most Recommended and the 2024 Excellent Claims Experience.

Policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant PDS and TMD before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015, email [email protected] .

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as ​a team. We recognise their continuing connection ​to land, water and community. We pay respect to Elders ​past, present and emerging.