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Best travel insurance in Australia April 2024

We analysed 50+ travel insurance policies so you don't have to – check out our shortlist or compare quotes to find the best travel insurance for you..

• 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

In this guide

Compare quotes to find the best travel insurance for you

Get help finding the best travel insurance policies, why you can trust our research, great for value, great for covid cover, great for families, great for domestic travel, looking for the best travel insurance in australia, tips to find best travel insurance with covid cover, best travel insurance faqs.

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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.

Tom's trip to the UK

I've got family in the UK, so I've travelled there a few times over the last decade. The UK has reciprocal healthcare arrangements with Australian citizens but it's no help with cancellations or lost luggage, specifically due to COVID, which we've had issues with in the past. Luckily, our travel insurance policy covered us.

Most travel insurers offer COVID cover now and most will cover you for similar COVID-related travel expenses . However, there are still some things you can do to make sure you're getting the right policy for you:

Take out cover for all travellers

Whether you're travelling with your partner or the whole family, make sure that you add them to the insurance policy. That way, if someone catches COVID but you don't, you'll still be covered for expenses.

Get a policy as soon as you book your trip

That way, you're covered if you get sick and need to cancel. A few insurers including Cover-More and Easy Travel Insurance also won't accept COVID-related claims within 21 days of your trip, so make sure you take out cover at least 3 weeks before you jet off.

Check the exclusions

It can be tedious but make sure you give the exclusions in the PDS a read before you buy. For example, you won't be covered for costs related to border closures. It means that you might be out of pocket for prepaid accommodation or booked airline tickets if the government of that country imposes a lockdown.

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.

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Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

What's the best travel insurance with covid cover.

All the top picks we've selected come with COVID cover but Fast Cover goes a little further than most. Like many other insurers, it can help pay for COVID-related medical expenses, cancellation costs and additional accommodation. It can also cover childcare costs and medical evacuation.

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 is 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).

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• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Domestic Travel Insurance for Australians

Protect your Australian holiday with domestic travel insurance

Most people know the value of international travel insurance. But did you know it’s just as important to have travel insurance when travelling around Australia?

Whether you’re going on a family holiday to the Gold Coast, going on a hike in Tasmania, or enjoying a long weekend city break in Sydney , a domestic insurance policy may help protect you and your finances should something go wrong.

At Cover-More, we have three Domestic Plans to help cater to all budgets and trip types. Below you’ll find useful information about our domestic travel insurance for Australia and why it’s important. Plus, check out our domestic travel insurance FAQs for extra questions our customers often ask.

Read the PDS and are ready to buy? You can get a quote online or call our friendly team on 1300 72 88 22 to purchase over the phone.

Skip ahead to read:

What is domestic travel insurance?

Do i need travel insurance when travelling in australia, does cover-more have domestic plans.

• Can I add extras to my domestic travel insurance policy?
• Can I buy a domestic Annual Multi-Trip policy?

How do I buy a Cover-More domestic travel insurance policy?

Do cover-more domestic plans include cancellation cover.

• Do domestic travel insurance policies provide medical cover?

Do I need travel insurance for a domestic cruise?

• Am I covered for domestic driving holidays?
• What excess will I pay?

Can I travel in Australia while pregnant?

What is the best domestic plan for senior travellers.

For Australian residents, domestic travel insurance is a type of travel insurance that provides cover for trips taken within Australia.

Depending on the type of policy you buy, most domestic plans for Australia offer coverage for expenses such as lost or damaged luggage and travel documents, rental vehicle insurance excess, additional expenses, amendment or cancellation costs, sporting activities, and winter snow sports.

There are always risks when you travel even on domestic trips. Incidents can happen as easily in Sydney as they can in Singapore, your luggage can become delayed or lost on a flight to Darwin just as they can on a flight to Dublin, and if your child becomes unwell and you need to cancel your trip, it doesn’t matter if you were travelling to Brisbane or to Barcelona.

Travel insurance for Australian trips can help protect you from unexpected mishaps and events outside of your control ruining your trip – and your finances.

While domestic travel insurance does not cover medical expenses in Australia, it provides cover for several other important benefits. For details on what our Cover-More domestic plans cover, view our benefits table below.

Think you can risk travelling in Australia without travel insurance? Here are three claim stories from real-life Cover-More customers who needed the protection of their domestic policy:

• A customer was diagnosed with skin cancer and had to cancel their entire family trip. Amendment and Cancellation claim value: $20,000
• A customer’s rental car was written off after a third-party collision.  Rental Car Insurance Excess claim value: $4,000
• An airline lost a customer’s suitcase, and the items were not recoverable.  Luggage claim value: $2,500

Find out how affordable cover can be by getting a quote online or call our team on 1300 72 88 22. We can help you find our best domestic travel insurance plan that suits your needs.

At Cover-More, we have three types of domestic plans to allow you to choose the best travel insurance for your trip in Australia:

• Domestic Comprehensive+
• Domestic Comprehensive
• Domestic Basic

Below, you can compare our Domestic Plan benefits and benefit limits:

* Sub-limits apply. Please refer to the PDS for full policy conditions.     ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.     ^ Cover chosen applies per policy.     ^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.     † 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.

Each domestic travel insurance plan offers different levels of cover, so it’s important to read the PDS to find out what’s best for you, and what you are and aren’t covered for.

Can I add extras to my Cover-More domestic travel insurance policy?

Are you hitting the slopes on your Australian holiday? Or water-skiing on the River Murray? Or maybe you’re planning on motorcycle riding in the countryside?

All our domestic plans allow you to vary your cover by including extra cover for an additional premium. These include cover for:

• Snow or winter sports
• Motorcycle/moped riding
• Adventure activities (beyond those automatically included)

You can add one or more of these options to your cover when you generate a Cover-More quote.

For full details on what each of these options to vary your policy do and don’t cover, read the relevant sections in the PDS .

Can I buy a Cover-More domestic Annual Multi-Trip policy?

Yes, an Annual Multi-Trip policy is available on both our Domestic Comprehensive and Domestic Comprehensive+ plans. (Our Domestic Basic Plan is for Single Trip policies only.)

If you’re a frequent traveller, a domestic annual multi-trip policy for Australia could be handy to have as any trip more than 250 kilometres from your home – or any trip under 250 kilometres if it includes at least one night of paid accommodation with an accommodation provider or supplier – is covered by your domestic policy.

To help find our best domestic travel insurance for you, get a quote online or call us on 1300 72 88 22.

To purchase domestic travel insurance on our website, select “Australia” as your destination under “Where are you going?” in the quote box .

If you’re going on a cruise for two or more nights in Australian waters, select “Domestic Cruise” as your destination to ensure you’re quoted for an international policy that includes cover for medical expenses outside of Australia while on the cruise.

Note: Do not choose “ Australia Inbound ” unless you’re a non-Australian resident visiting Australia.

Continue to fill in the rest of your travel details under “When is your trip?” and “Who is travelling?” and then click ‘Get Quote’ to generate a price.

From here, you can select the best domestic travel insurance plan for you, opt for a Single Trip policy (available on all plans) or an Annual Multi-Trip policy (available on our comprehensive plans only), include any options to vary your cover, and advise us of any existing medical conditions you’d like covered before purchasing your policy.

If you need assistance with finding the right plan for you or have questions about cover for an existing medical condition, call us on 1300 72 88 22.

Our Cover-More domestic travel insurance policies can offer coverage in case you need to amend or cancel your trip within Australia for an unexpected reason.

Cancellation cover is not automatically included in our plans, but you can add the amount of cancellation cover that best suits your trip during the quote process. The level of cancellation cover you choose will influence your premium.

If you choose a Domestic Comprehensive and Domestic Comprehensive+ Plan, you’ll also receive cover for additional cancellation extensions within your cancellation cover. These provide cover for cancellation reasons that would not be covered under usual circumstances, such as:

• Illness, injury, or death of a non-travelling relative or business partner
• Pregnancy-related cancellation
• An act of terrorism
• Pet-related cancellation
• Wedding-related cancellation
• Dissolution of your relationship

Please refer to the PDS for limits, exclusions, and conditions related to our cancellation cover.

Do domestic travel insurance plans provide medical cover?

No, domestic plans in Australia do not provide medical cover to travellers.

This means we’re unable to cover your medical expenses incurred within Australia if you are an Australian resident or eligible overseas representative. We encourage you to contact Medicare or your private health fund to discuss the medical coverage options available to you while you’re in Australia.

Medicare and private health funds do not cover medical facilities on a cruise ship, so it’s important to consider an international travel insurance plan if you want medical coverage for cruise travel. If you’re going on a domestic cruise, we can provide cover for unforeseen medical expenses while you’re on board. You will need to select “Domestic Cruise” as your destination when generating a quote and answer “Yes” to travelling on a cruise for two or more nights for this to apply.

Cruise holidays are an exciting way to see Australia. If you’re about to set sail on a domestic cruise, we can provide travel insurance cover for a domestic cruise with our international plan options.

Did you know Medicare and/or your private health insurance will not cover the costs of using the medical facilities on a cruise ship, even if it is staying within Australian territorial waters? This means you may be out of pocket if you need to see a doctor unexpectedly while on board.

If you’re a Cover-More travel insurance policyholder and you have told us you are going on a cruise, you can be protected from unexpected expenses related to:

• Cruise cancellation (when you choose a level of cancellation cover to add to your policy)
• Onboard medical and emergency dental
• Ship to shore medical expenses
• Sea sickness cover

Interested in buying cover for your Australian cruise? Select “ Domestic Cruise ” as your destination in the quote box and then answer “Yes” if you are travelling on a cruise for two or more nights.

Does Cover-More provide cover for domestic driving holidays?

If you’re hitting the road for your domestic holiday in Australia, our Cover-More team can help protect your trip whether you’re hiring a rental vehicle or driving your own car.

If you’re a Domestic Comprehensive or Domestic Comprehensive+ policyholder, you’ll receive the below cover:

You’ll find more information on our domestic travel insurance benefits for driving holidays in Australia here, and we strongly encourage you to read the Product Disclosure Statement so you are aware of what is and isn’t included in the plans.

Note: “rental vehicle” means a campervan/motorhome/caravan that does not exceed six tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive or mini bus rented from a licensed motor vehicle rental company, car club company or agency.

What excess do I pay on Cover-More domestic policies?

A $50 excess applies to our Cover-More Domestic Plans.

An excess is the first part of a claim that we will not pay. The excess amount is applied to each separate claimable event.

The excess does not apply to all sections - see the Domestic Plans benefits table in the PDS, which shows the benefits that an excess applies to in the event of a claim.

Check out our dedicated FAQs for domestic travel insurance for more information.

Being pregnant doesn’t necessarily mean you have to stop travelling – especially when you have that babymoon to take! At Cover-More, we can provide limited travel insurance cover for pregnancy up to the 24th week (23 weeks, 6 days). The Cancellation Extensions benefit upgrade on our Domestic Comprehensive and Domestic Comprehensive+ Plans, may also provide cover for cancellations if there are complications of pregnancy from the start of the 24th week up until the start of the 32nd week (or up to the start of the 28th week for a multiple pregnancy^^).

For more information, read our travel insurance cover for pregnancy page , or call us on 1300 72 88 22 with any questions.

Limits, exclusions, and conditions apply, so please refer to the PDS for full policy conditions before you consider purchasing this product.

^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.

Your “golden years” are an ideal time to explore – why not start with Australia?

At Cover-More, our domestic plans have several benefits suitable for seniors if you are younger than 99 years old. Visit our travel insurance benefits for seniors page and our seniors FAQs page for helpful information on how to protect your upcoming domestic trip with Cover-More.

If you’d prefer to speak to someone about our domestic travel insurance options that are suitable for seniors, you can call our friendly team on 1300 72 88 22. Alternatively, you can get a quote online .

Want us to protect your next Aussie holiday?

Find our best domestic travel insurance plan for you today.

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Domestic Travel Insurance

An Australian Domestic Travel Insurance policy provides you with the level of cover you need to enjoy a happy worry-free Aussie holiday.

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Explore Australia with confidence

While many see the value in taking out travel insurance when travelling overseas, did you know that domestic travel insurance is just as important? An RACV Domestic Travel Insurance Policy includes benefits that can cover:

• Cancellation fees and lost deposits
• Travel agent fees
• Lost, stolen, or damaged luggage or personal items
• Luggage delays
• Emergency expenses *
• Travel delays

*Medical costs incurred in Australia are not covered. 

Enjoy travel insurance which is specifically designed for domestic travel. You can choose the policy which best suits your next holiday, including RACV Domestic Travel Insurance, RACV Rental Car Excess and RACV Domestic Cancellation policies.

Cover applies from when you leave your home to go directly to the place you depart from for your travels, and ends when you return to your home.

COVID-19 Benefits

RACV Travel Insurance now includes limited COVID-19 cover #  on RACV Comprehensive Travel Insurance.

#Limits and sub-limits apply. Refer to the  Product Disclosure Statement  for full details.

RACV Members get 15% off RACV Travel Insurance

Cover the whole family on the same policy

Booking a family holiday in Australia with your kids or grandkids? RACV Travel Insurance policies insure your children and grandchildren at no extra cost. 1

Simply add your dependent(s) travelling with you to your Certificate of Insurance. 1

1.Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Enjoy cover for cruises around Australia

Are you planning on taking a cruise which isn’t leaving Australian waters? Consider an RACV Travel Insurance policy which covers cruises and provides cover for your possessions on board, cancellations if the unexpected happens and 24-hour emergency assistance.

Check with your Cruise provider as the medical providers onboard are not registered with Medicare.

Select “Australian Cruises” as your destination when purchasing a policy.

By selecting Australian Cruise as a destination, this means you will be offered the international policy options and benefits. This will include medical and evacuation benefit whilst at sea. Medical cover is not provided if you go to a medical provider whilst in port in Australia.

When you purchase a policy cruise option must be selected for all ocean voyages more than one night. This will determine the premium you pay.

Frequent traveller? Find out more about RACV Annual Multi-Trip Travel Insurance.

Cover for activities and sports

Australia’s great outback and coastline is packed full of adventure activities for you to enjoy on your next holiday. Whether you’re snorkelling with turtles on the Great Barrier Reef, hiking through the Blue Mountains or Hot Air Ballooning over the Yarra Valley, choose an RACV Travel Insurance policy that suits your needs.

View a full list of activities and sports which are covered under certain conditions under this domestic travel insurance policy.

It’s important to note that domestic travel insurance does not cover medical expenses incurred while in Australia if you are an Australian resident or eligible overseas representative, as these will be covered by Medicare or your private health insurance policy. 2

2. View the Product Disclosure Statement  for a full list of limits, exclusions and inclusions for RACV Domestic Travel Insurance Policies.

Why choose RACV Domestic Travel Insurance?

Cover for lost or stolen items.

Whether your luggage has gone missing on your flight, your new camera has been stolen or your belongings have a been damaged while travelling, you will be covered for the loss, theft or damage of your luggage and personal effects with your domestic travel insurance policy.*

Cover for cancellation fees & lost deposits

RACV Domestic Travel Insurance will provide you with your policy’s level of cover for severe unforeseen circumstances beyond your control, such as travel delays, trip cancellations and amendments.*

With RACV Domestic Travel Insurance, you also have a level of cover for travel agent’s cancellation charges and lost frequent flyer points, subject to the limits and terms and conditions set out in the Product Disclosure Statement . Situations like these can have knock-on effects which can eat into your holiday budget and savings. A domestic travel insurance policy will provide you with added peace of mind. 

Cover for cancellation fees and lost deposits begins from the time the travel insurance policy is issued.

*Terms, limits and conditions apply. Exclusions for unattended items and luggage apply. Please read the  Product Disclosure Statement  for more information.

RACV Domestic Travel Insurance summary of cover

When it comes to choosing a domestic travel insurance policy for your next Australian holiday, you need to ensure that the policy you choose has all the inclusions you need.

Domestic travel insurance policies provide a different level of cover to international travel insurance policies. From cover for cancellation fees and lost deposits to luggage delay, emergency expenses and travel delays, discover what’s included in an RACV Domestic Travel Insurance policy below.

* This cover is per person listed in your policy.

Please read the  Product Disclosure Statement carefully to understand what this policy covers. Importantly, please note that exclusions, limits and sub limits apply.

Summary of cover

Domestic (per adult), cancellation (per adult), rental car excess (per policy).

Section 1 Cancellation fees and Lost Deposits

1A: Unforeseen Circumstances#

$unlimited^^

Not Applicable

1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#

1C: Emergency Worker Leave+ (Sub Limit)

1E: Travel Agent Fees+ (Sub Limit)

3A: Luggage#

3C: Luggage Delay+ (Sub Limit)

3E: Personal Money+ (Sub Limit)

4A: Emergency Expenses#

4C: Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or  Your Travelling Companion’s Relative

5: Accidental Death*

6: Accidental Disability*

7: Your Legal Liability

$10,000,000

8: Rental Car Excess#

Choice of Cover: $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000

9: Loss of income#

10: Financial Default#

13: Travel Delay#

Ski and Winter Sports optional add-ons

16: Snow Ski Equipment Hire^

17: Ski Pack^

19: Bad Weather and Avalanche^

20: Lift Pass

22: COVID-19  Cancellation Fees and Lost Deposits

$3,500 combined limit

23: COVID-19  Additional Expenses# and Special Events

24: COVID-19 Travel Delay#

*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section.  Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au . RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS . Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.

Luggage item limits

Are you planning on taking any valuable items such as your laptop, phone or golf clubs with you on holiday?  Be sure to check whether the value of these personal items fall within the policy limit shown below to ensure they are adequately covered.

Policy benefits

Medical Devices

Domestic policy options and add-ons

Ski and winter sports cover.

If you are planning on hitting the slopes on your next Australian holiday, then you will need to purchase Ski and Winter Sports Cover. This add-on will cover you for winter sports activities such as skiing or snowboarding. See  activities page for more details. 

Annual multi-trip plan

Planning on taking more than one holiday around Australian in the next 12-months. Save yourself the hassle of needing to re-apply each time and take out an  Annual Multi-Trip Plan  policy with RACV Travel Insurance.  3

This policy provides you with the same level of cover as a one-trip domestic travel insurance and provides cover for accompanied children and grandchildren. It also provides year-round cover for your travel provided you are 250km from your home.

Excess options

You can choose to vary your Excess, which is the amount you must pay if you have a claim. The Excess you choose will either increase or reduce Your Premium. The Plan Type you select has the following Excess ranges: • Domestic $0 or $100 Your Excess will be shown on your Certificate of Insurance

Medical conditions

Check out the list of different conditions and their criteria that are covered by RACV Travel Insurance policies here , for all other conditions you can complete an online assessment to see if the insurer can cover them as well. Even though medical treatment is not covered while in Australia,. You may need to declare conditions to cover for other benefits such as cancellation fees.

3. In respect of any Annual Multi-Trip plans means the travel You are undertaking and commences from the time You leave Your Home or place of departure to start Your Trip until You return Home or until the end of the Period of Insurance shown on the Certificate of Insurance, whichever is sooner. The length of any one Trip cannot exceed 30, 45 or 60 days (depending on the plan chosen) and must be at least 250Kms from Your home.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

Related Links

Save more as an racv member.

International Sim Card

Airport Parking

International Driving Permit

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

Travel Insurance Sales 13 13 29

Emergency assistance 02 8055 1699

Claims 1300 207 387

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Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Domestic Travel Insurance

Our Domestic Travel Insurance policy provides comprehensive cover for an affordable price. With different levels of cover to choose from, it is quick and easy to buy your policy online, and if you are travelling as a family, we cover all children under 18 at no extra cost**.

There are 40 sports and adventure activities automatically covered free (like bungee jumping and water skiing), note that we do not provide coverage for medical expenses incurred while engaging in any sport activities. Wide range of policy upgrades and excess options available so you can tailor your policy. Our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process.  

Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. We recently received the  Canstar 2022 award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check our  Feefo  and  product reviews  comments from real customers.

Why Domestic Travel Insurance is important

Travel disruptions can happen whether you’re planning a trip to Paris or Perth. While you may feel safer here at home in Australia, flights can be cancelled or delayed, accommodation can be affected by severe weather or natural disasters, luggage can be lost, and, if driving, accidents can occur while driving a rented vehicle. Purchasing a travel insurance policy may help you avoid large out of pocket costs, which might arise due to unexpected incidents on your domestic trip.

Domestic travel insurance provides coverage for a wide range of unfortunate travel incidents and can help get your holiday back on track swiftly. In many instances, our domestic holidays within Australia can be just as costly as our international trips halfway around the world. Therefore, it is always wise to get domestic travel insurance coverage whether you’re planning an Outback adventure to the Red Centre or when exploring our offshore gems like Norfolk Island.

Why Travel With Us for a Domestic Trip?

What does a Domestic Travel Insurance policy cover?

Domestic travel insurance can cover you for a wide array of travel disruptions. The specific coverage and coverage amounts will be determined by what level of cover you select. At InsureandGo, you have the ability to choose between three different coverage levels which include our Bare Essentials, Silver, and Gold policies. Depending on the policy you choose, the following coverage may apply to you.

Please note:  Not all our policies cover domestic travel. For example, the ‘One-trip’ and (when available) the ‘Annual Multi-trip’ policies do not cover domestic travel in Australia. Please ensure that you select the right policy/policies for your needs.

• Cancelling your trip before departure:  Should the need arise where you must cancel your holiday for one of our covered reasons, we can help to recover the costs associated with flights, accommodation, and pre-paid meals and activities. Covered reasons for needing to cancel your trip include events like the unforeseeable death or illness of a family member or travelling partner that resides in Australia, being called for jury duty, or an accident involving a vehicle you were planning to travel in.
• Cutting your trip short:  We may be able to provide coverage if you are deemed unfit to continue with your holiday by a doctor, or for an unforeseen tragedy such as a death or illness in the family which occurs during your trip. If your trip is cut short due to a natural disaster, you may also be covered if you have purchased our natural disaster travel insurance upgrade.
• Resumption of your trip:  InsureandGo can return you to the airport closest to the location where you had to cut your original trip short and cover the cost of the airfare necessary to resume your trip for certain covered circumstances.
• Travel delay expenses:  If a leg of your trip is delayed by more than 12 hours, you may be reimbursed for any necessary additional meals and accommodation expenses.
• Personal belongings and baggage:  If your personal items are lost, stolen, or damaged during your trip, you may be covered for any such items so long as you weren’t careless in securing or protecting those items. Coverage amounts for personal belongings will vary depending upon your level of coverage. You may also be covered for any personal money that is lost or stolen so long as you can provide proof of ownership.
• Delayed baggage:  If your luggage is delayed by more than 24 hours, we can help recover the costs associated with buying essential items to get you through until your bags arrive. Be sure to keep all documents from airlines that prove your bags were delayed for more than 24 hours and retain your receipts associated with any essential items you purchased. There is generally no coverage provided for delayed baggage if it occurs during your final journey home.
• Personal liability:  All three of InsureandGo’s policy coverage levels provide coverage for personal liability. This covers you in the event you become legally liable for accidentally injuring someone or damaging someone else’s property during your trip.
• Rental car excess waiver:  If your rented vehicle is involved in a motor vehicle accident while you are driving, or the vehicle is damaged or stolen, you may be reimbursed for the rental car insurance excess that is charged to you by the rental car company, subject to the level of cover selected and limits that apply.

Additional coverage that a domestic travel insurance policy may cover includes reimbursement for legal expenses and additional emergency expenses. You may also be covered for a wide range of sports and activities so long as they were not associated with a competition or tournament, you follow the necessary safety guidelines, and you make use of the recommended safety equipment. Covered activities may include but are not limited to netball, cricket, snorkelling, cycling, and surfing. See our  Domestic Travel Insurance Product Disclosure Statement (PDS)  for a full list of covered sports and activities.

What does a domestic travel insurance policy NOT cover?

While InsureandGo’s domestic travel insurance policies provide a great deal of coverage for your Australian holidays, there are things that you won’t be covered for. Some coverage options are only available to certain levels of coverage such as with our Silver or Gold policies, while other situations may not be covered under any level of coverage. These are some of the situations where we may not be able to provide coverage for you.

• Our domestic insurance policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.
• Changing your mind about a holiday and deciding you simply don’t wish to travel.
• Recovering costs which would not have been incurred had you notified the appropriate holiday company or tour operator as soon as you knew you had to cancel your trip.
• Engaging in sports or activities that are not covered, including but not limited to abseiling, shark diving, quad biking, or zip lining. See our  Domestic Travel Insurance Product Disclosure Statement (PDS)  for a full list of sports and activities which are generally not covered.
• If you have certain  pre-existing medical conditions  that may give rise to a claim, or you are receiving or waiting for hospital tests or treatment for any condition or set of symptoms that have not been diagnosed.
• You decide to travel against the advice of your doctor.
• Claims arising from the use of a two-wheeled or three-wheeled motor vehicle.
• Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act.
• Costs which you would have been expected to pay had the reason for the claim not occurred.
• Claims where alcohol or drug use may have been a contributing factor for an event which led to the claim.

To gain coverage for things like  winter sports , business,  natural disasters , or  domestic cruises , you must purchase the appropriate InsureandGo insurance upgrade option. The upgrade option must be shown on your policy schedule.

Levels of domestic cover

InsureandGo offers three levels of domestic travel insurance cover which include our Bare Essential, Silver, and Gold policies. Be sure to read our  PDS  for full details regarding each level of cover.

Most Common Questions

Domestic travel insurance helps you cover cancelling trip before departure, cutting your trip short, rental car excess waiver, special events among other things depending on your level of cover. Please go through the  PDS  for more information.

Our Silver and Gold policies cover your rental car excess with a maximum limit of $7,500 available in domestic policies. However, you need to make sure that the rental car is insured, as we do not pay for full damages to a rental car, only your excess. Please note, motorbikes are excluded.

There are 40 sports and adventure activities where accidental death and permanent disability are automatically covered free, however to have cover for any winter sport activity you must have purchased this option and the option must be shown on your policy schedule. Please note there is no cover for medical expenses incurred whilst you are undertaking any of the covered sport activities. For more info, please go through the  PDS .

Our premiums would be astronomical if we did that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement to see if our product is right for you.

We do not offer medical coverage on domestic policies as Medicare or private health insurers cover medical expenses in Australia.

Yes, if you select a Cruise policy with your destination as Domestic. If you are going on a cruise within Australian territorial waters and would like to be covered for On board Medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance. Please note no medical expenses are covered whilst on land in Australia.

For domestic trip, maximum length of cover is 365 days. 

Domestic travel insurance for non-permanent residents

If you find yourself living in Australia as a  non-permanent resident and need domestic travel insurance , you may be able eligible to purchase an InsureandGo domestic travel insurance policy. The benefits of an InsureandGo domestic travel insurance policy are the same to all customers regardless of their residency as long as they meet certain required criteria.

• Non-permanent residents must have a valid Medicare card, private health fund, or overseas student travel insurance in Australia and it must remain valid for the entire duration of your holiday. (The Australian Government has certain agreements with countries around the world, called the Reciprocal Health Care Agreements (RHCA). If your country of residence is a part of this agreement then you may be able to receive Medicare benefits.)
• Your trip must begin in Australia and you must be in Australia at the time of purchasing your insurance policy.
• We do not offer any insurance for inbound travellers coming to Australia.

Domestic Insurance Upgrades

In addition the comprehensive coverage our domestic travel insurance policies already provide, you can enhance your coverage further by looking into and purchasing one of our available insurance upgrades. These are a few of our most popular domestic insurance upgrades.

Winter Sports Cover

If you plan on taking a winter holiday to one of Australia’s exciting ski resorts, we can help provide  coverage for your winter sports activities . This can include coverage for personal winter sports equipment and hired equipment that is lost, stolen, or damaged during your trip. It can also help recover the costs resulting from the loss or theft of lift passes during your trip, or for any unused percentage of a ski package which you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. Note that we do not provide coverage for medical expenses incurred while engaging in winter sport activities.

Business Cover

Australian business travellers can benefit by purchasing our business coverage upgrade. This provides coverage for lost, stolen, or damaged business equipment during your trip. This includes coverage for reasonable emergency courier expenses that you need to pay to replace business equipment essential to your intended business due to loss, theft, or damage. You may also be covered should you need to hire business equipment in the event your personal business equipment is delayed in reaching you during your trip on your outward journey or lost during your trip.

Thinking of heading to Tasmania to play a round of golf at the beautiful Barnbougle Dunes Golf Links? Our golf cover upgrade can provide coverage for your personal golf equipment that is lost, stolen, or damaged during your trip. You may need to hire golf equipment in such cases, and this coverage can assist you with the costs of that as well. You also may be covered for the unused percentage of your green fees, golf tuition fees, or golf equipment hire which you have already paid for and cannot get back should you become ill or are injured during your trip and cannot take part in the golf activities as planned.

Natural Disaster Cover

Natural disasters often occur with little or no warning and they can severely affect your holiday plans. Purchasing our  natural disaster coverage upgrade  can offer you financial protection for your holidays in the event of a natural disaster such as a cyclone, flood, bushfire, or other extraordinary natural phenomenon. This coverage may allow you to recover some of the costs associated with cancelling your trip or cutting your trip short. Make sure you have your policy in place before a natural disaster occurs, because once a natural disaster event has taken place; it will be too late to purchase this upgrade for your trip.

Domestic Cruises

If you’re planning on taking a domestic cruise around Australia, be sure to  purchase one of our cruise policies  and select the domestic option as your destination. Our standard domestic travel insurance does not cover medical and evacuation expenses incurred in Australia, so in order to be covered for onboard medical expenses and evacuation while cruising within Australian territorial waters then you must purchase InsureandGo cruise insurance. Cruise insurance can cover you for events such as missed port cover, reimbursements for shore excursions, cruise delays, and cabin confinement.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

Domestic Travel Insurance

About Domestic Travel Insurance

If you're travelling within Australia, our domestic policy is the easiest way to protect your luggage, car hire and travel plans. You can also add optional cover, including:

• Increase your single item limit for personal effects
• Increase your rental car excess cover
• Add cover for winter sports
• Add existing medical conditions cover

COVID-19 benefits for domestic and international plans 1,3

• Get a quote in minutes
• Great value international and domestic plans
• From comprehensive to basic cover, you choose which benefits matter most
• 24/7 support means help is only a phone call away
• Reduce your premium with variable excess

Frequently asked questions

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

2  Sub-limits apply.

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

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 Product Disclosure Statement and Target Market Determination 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.

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Compare travel insurance policies with Savvy and find the cheapest policy from our panel of partners.

Fact checked

Compare Travel Insurance Quotes in 30 Seconds

• 100% free to use. No obligation.

If you have travel plans arranged for the near future, you'll probably be looking for the cheapest policy to suit your needs. While it isn't the only factor you should look to when comparing insurance policies, it's still essential to consider different offers so you can find the most affordable which provides adequate cover.

You can compare a range of quotes from our travel insurance partners in one place with Savvy. Simply fill out our easy form and you could have a range of offers to consider side-by-side instantly. Start the process with us today and determine what the cheapest policy for your needs is among our providers.

How do I get a cheap travel insurance policy in Australia?

While the cost of travel insurance in Australia can vary between budget and premium providers, there are several things you can keep in mind which can help you to find a cheaper policy. These include:

• Consider the level of cover: there are different levels of cover available when purchasing travel insurance, with basic cover typically being the cheapest and comprehensive the most expensive. As such, the type of cover you choose will have a direct impact on the cost of your insurance premium. However, you shouldn't choose a cheaper policy purely because of the price; it's important to determine whether there are any policies which can offer you the cover you need.
• Think about a shorter trip: travel insurance is more expensive the longer your trip is . That's because the longer you're away from home, the more time there is for something to go wrong (in theory). Shortening your trip can also reduce the cost of your travel insurance as a result.
• Reduce the optional extras where possible: adding extras such as snow or adventure packs will often increase the cost of your policy, so avoiding these where they aren't necessary may help you secure a more affordable insurance package.
• Choose your destination wisely: not all destinations are made equal in the eyes of insurers. Different countries may be assessed differently in terms of the level of risk they may pose to travellers. One major factor is the healthcare system on offer, so countries with more complex or no universal healthcare (such as the United States ) will typically cost more than a holiday to Europe, for instance.
• Increase your excess: the excess is the amount you pay out of pocket when making a claim. Some insurers will give you the option to set this yourself, with some not requiring an excess at all. However, the higher your excess, the cheaper your policy is likely to be. 
• Take advantage of couples' or family discounts:  some insurers may offer discounts for policies purchased to cover a family or couple. This could mean it's a cheaper option for you to do so if you aren't travelling solo. 

While you may be able to take advantage of some or all of these when buying travel insurance, it's important to note that there are still other factors which can impact the cost of your policy which are more out of your control. For instance, senior travellers are likely to have to pay more for their coverage than younger individuals due to the increased risk of injury or illness while on your travels. Furthermore, some insurers may require you to pay an additional premium if you suffer from certain pre-existing health conditions, so this could also have an impact on the cost of your cover. 

One of the simplest ways to help you find a cheaper policy is to compare different insurers and offers, which you can do with Savvy. You can consider policies from our trusted insurance partners side-by-side to help you determine which is the most affordable while also offering the cover you're looking for.

What does a cheap travel insurance policy usually cover?

Because travel insurance policies cater to a variety of needs, you should expect the cover available to roughly fall into the following categories:

• Basic or medical-only cover , which includes cover for emergency healthcare and medical expenses and personal liability.
• Mid-range offerings, which may come with added cover for trip cancellations, disruptions, luggage and personal effects, as well as increased personal liability cover.
• Comprehensive policies which can offer a higher level of coverage for most categories covered under mid-tier policies and may offer further protection for claimable travel delay costs, special event transport and theft of cash.

All coverage listed above is subject to the terms and conditions set out in your insurance contract and your provider's terms and conditions and may vary depending on the insurer you choose to purchase from. Different policies may suit different people, which is why it's crucial to compare travel insurance quotes with Savvy before you buy. 

How should I compare cheap travel insurance?

There are many areas which you should look to compare when picking out your travel insurance policy. These include:

Policy premium

Of course, when comparing cheap policies, it's important to keep one eye on the cost. Comparing is perhaps simplest way to narrow down your options when it comes to which policies are the cheapest while still proving to be suitable in terms of the coverage they offer. However, as mentioned, this shouldn't be the one and only variable you consider, as not all of the cheapest policies may offer the coverage you need. Buying travel insurance is something of a balancing act between locking in the most affordable price and the most suitable cover.

Inclusions and exclusions

There's little point in buying a policy which doesn't offer you the protection you're looking for, as you'd be spending money on a product which may leave you vulnerable to out-of-pocket costs in areas you're looking to cover. Because of this, you should be across all the inclusions under your policy, as well as any relevant exclusions. These will vary from insurer to insurer and policy to policy, but some of the key exclusions to consider are:

• Luggage or personal items left unattended
• Cost of treatment for undiagnosed pre-existing symptoms
• Travelling against government advice
• Any claims as a result of having broken a local law 

Claim limits

In addition to the inclusions and exclusions under your policy, it's important to consider what the potential claim limits are for any events which qualify for coverage. This is worth comparing as you should look to avoid being underinsured wherever possible, even when looking for a cheap policy. For instance, while some insurers may offer up to $1,500 for travel delay expenses (such as accommodation, meals and other necessary expenses if your trip is delayed by 12 hours or more), others may increase this to $2,000.

Excess requirements

Consider what the excess you'll have to pay may be for certain situations under your policy agreement. For instance, while some insurers may require only a relatively small excess (such as $100 to $200), others may not require you to pay one at all in certain situations (subject to their terms and conditions). Also compare the customisability of excesses between insurers if you want to increase it to reduce your premiums.

Available optional extras

If you're looking to do something like rent a car, ride a motorcycle or partake in an adventure activity (in the snow or otherwise), some insurers will require you to purchase optional extra cover in order for any claimable incidents stemming from these activities to be included under your policy. Look at the extras they have available and consider their cost. Some insurers may also offer some of these as part of their main coverage, such as car hire excess, which could mean you avoid paying more for them in some cases.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

More questions on cheap travel insurance

Some insurers now offer cover relating to costs stemming from COVID-19 , whether they be cancellation fees if you contract the virus or become a close contact or medical expenses if you're hospitalised while on your travels. It's important to note that not all expenses will be covered, such as those which occur within 72 hours of your policy purchase (with some insurers), lockdowns and border closures and additional quarantine costs if you're a close contact. However, it's crucial to determine what is and isn't covered by your insurer before you purchase your policy. 

The cheapest travel insurance policy for you is likely to be different from that of the next person due to the vast array of variables at play , such as your age, health, destination, length of trip and more. As such, there's no one answer on which provider can offer the cheapest policy for your needs. Comparing with Savvy can help you consider offers from our panel side-by-side to help you determine which is the cheapest and whether it affords you suitable coverage.

Travel insurance can come as a built-in feature of some premium credit cards, meaning you may be able to access complimentary insurance in certain situations (although you may be required to pay your premiums as part of your annual card fees with other providers). This may mean it's cheaper than buying a policy from a specialist travel insurance company in some cases. However, it's important to compare your options and make sure the coverage you settle on is suitable for your needs and budget.

Some insurers may offer cheaper rates if you're taking out a travel insurance policy to cover a larger group of people, with parties up to 25 able to be covered in some cases. By purchasing a group insurance policy, you may not only save money but also time, as it's more convenient than buying a policy for each traveller. However, this type of policy may require all travellers to take out the same type of cover, which may not be suited to those who have their own specific health needs not otherwise covered by a group policy.

If during your travels you encounter issues which are covered in your policy, you should contact your insurer and commence the claims process as soon as realistically possible. Most insurers can be contacted either online or via phone 24 hours a day. Provide as much detail as possible and supply any supporting documentation, such as receipts, medical certificates or police reports. In most cases, you'll receive a response regarding your claim within ten business days.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Cheap Travel Insurance Package Options For Travellers On A Budget

Cheap travel insurance.

Taking out travel insurance is dependent on a lot of factors for Australians. Price, exclusions and a speedy claims process is usually what most travellers opt for when taking out travel insurance. Not every insurer can offer cheap travel insurance and still cover you for things like medical and luggage so doing your research is important! 

Travel insurance for travellers on a budget

An unlimited amount of money to spend on travel is the dream of all travellers isn’t it? Realistically though, most of us travel on a pretty tight budget.

If you're looking for budget travel insurance that offers a high level of cover, you've come straight to the right place!

Fast Cover provides affordable travel insurance options for every type of traveller, with flexible options so that you can tailor the policy to cover what's most important to you without blowing out your travel budget.

Special Event Transport Expenses

Planning to travel overseas or need to be back for a special event? If your booked transport is delayed or cancelled, you can be covered for the cost of booking another mode of transport to ensure you get to your special event on time.

What does my budget insurance cover?

Overseas emergency medical and hospital expenses.

Your unexpected medical expenses, including doctor’s consultations, prescription medication, medical treatment and hospital stays can be covered under this benefit.

Medical Evacuation and repatriation expenses

If you’re seriously sick or injured, the medical evacuation and repatriation benefit can cover you to be flown straight home to Australia or to get you directly to the nearest hospital for treatment.

Medical cover with repatriation and evacuation is a part of all our overseas policies. Why? To be straightforward, depending on where you’re travelling to, the cost of a hospital stay, or a quick trip to the doctor can cost you thousands of dollars. Did you know that the  average cost of a 3 day hospital stay in the USA is about $30 000 ? At that price, it won’t be a low-cost holiday after all!

24 hour emergency assistance

Getting a cheap travel insurance policy doesn’t mean you’ll get less assistance from our  Emergency Assistance team. In fact, you can contact them 24 hours a day, 7 days a week, and they can  manage your transport to a medical facility, fly a relative from Australia to be with you if you’re seriously injured and even arrange to transport you home to Australia if it’s required.

With medical cover directly taken care of, it’s up to you to determine the other benefits that you want to be covered for on your holiday, just in case something does go wrong, including:

Luggage and personal belongings

Your luggage and belongings are lost, stolen or damaged ? Your budget travel insurance policy can provide cover if your phone is stolen from you, or your camera is accidentally damaged.

If something has been stolen from you, make sure you get a police report as soon as practicable, but preferably within 24 hours to submit with your claim.

Unexpected cancellation of your budget holiday

It’s not ideal, but it can happen; you may need to cancel your holiday because you, your travelling companion or your close relative become unexpectedly sick or injured in Australia before you leave for your holiday.

With cancellation cover, your budget travel insurance policy can reimburse you for prepayments you’ve already made for your trip, including payments for cruises, hotels, flights, tours and activities.

If you’re sick or injured during your trip and not able to continue travelling, you can also claim for the cancellation costs for the remainder of the holiday!

Trip Disruption Expenses

If you can’t continue your holiday because there’s a natural disaster or severe weather; you, your travelling companion or a family member back home is sick or injured; or your travel documents have been stolen, you may be able to claim for your additional accommodation and transport expenses.

Sports and Activities

Sports and activities like bungee jumping and riding a bicycle are covered. However, thrill seekers can add the Adventure Pack to their policy to cover adrenaline-pumping activities like scuba diving to 30m.

Travel delays

Delays can be frustrating, and the cost of a travel delay may not be something that you’ve budgeted for. If your planned transport is delayed for more than 6 hours, this benefit provides cover for extra expenses including accommodation, food and transport that you incur because of the delay.

Hospital cash allowance

In addition to your medical and hospital cover, your budget policy may be able to provide you with some extra cash if you’re hospitalised for more than 48 continuous hours. This cash can cover daily hospital expenses like phone calls home, TV rental, or avoiding hospital food by ordering takeaway!

Luggage and personal effects delay expenses

This benefit covers the cost to buy emergency supplies like extra clothing and a toothbrush if your luggage is lost or misdirected.

Theft of cash

Thieves probably aren’t concerned if you’re on an expensive or cheap holiday when they decide who to rob. If money is stolen from you, you should report the theft directly to the police and you can be reimbursed up to $250.

Travel documents

Losing your travel documents doesn’t necessarily mean the end of your holiday. This benefit provides cover for your travel documents, including passports and credit and debit cards if they’re lost or stolen, including the costs of your phone calls to get them replaced!

Loss of income

If you become disabled on your overseas holiday after suffering an injury, such as from an accident, you may be entitled to a weekly benefit upon your return to Australia.

Accidental death

A death benefit can be paid to your estate if:

• You become injured during your budget holiday and die within 12 months, or
• If you’re travelling, your transport sinks, crashes or disappears, you’re presumed dead, and your body isn’t found within 12 months.

Personal liability

The personal liability benefit may provide cover for settling or defending a claim directly against you, or the payment of compensation if you’re involved in a legal case regarding someone’s death, injury or damage to property.

Optional extras

We know that every traveller’s idea of a budget holiday will be different. With that in mind, we offer optional add-ons that allow you to customise your travel insurance policy to suit the budget that you’ve got for your type of trip. This way, you don’t have to pay for what you don’t need.

Optional extras include:

Adventure Pack

If you want to do water skiing, scuba diving to 30 m and hiking, check out what activities we cover , and what you need the Adventure Pack for.

Motorcycle Pack

Planning to ride or be a passenger on a motorcycle, moped or scooter ? Make sure you have the relevant licence to be able to ride at your overseas destination and take out the Motorcycle Pack to ensure you’re covered just in case you’re injured in an accident.

Rental Vehicle Insurance Excess

Driving a rental car on your budget holiday? You can add on cover for the rental vehicle insurance excess . If your rental car is stolen or damaged in an accident, this travel insurance benefit may allow you to claim for the excess you would need to pay on your rental car insurance policy.

Specified High Value Items

If you’re bringing expensive items with you, you can choose to cover your valuable items for more than what they’re automatically covered for.

Standard excess

If you need to submit a claim, a $200 Standard excess applies for every claimable event. This means that the excess will need to be deducted from your total claim amount when you make a claim, therefore reducing the amount of your claim.

For an additional premium, you can reduce the Standard excess on your policy to $100 or $0. So, if you reduce your excess, you can save some money if you end up needing to make a few claims. A medical excess applies for travellers aged 80 and over and it’s not possible to reduce this.

4 simple steps to purchasing cheap travel insurance:

Know what you want to be covered for and your budget

Start researching – be creative. Check google, word of mouth, comparison sites…

Compare a few quotes against one another – speaking with travel insurance specialists if possible.

Purchase the policy that is right for your trip and within your budget

Is budget travel insurance worth getting?

It can prove to be very worthwhile. At the very least, even if it’s just for overseas medical cover, you’ll be able to claim for your medical expenses if you have to see a doctor or are admitted to hospital.

However, even if you plan on travelling cheaply, there will always be costs involved. Have a think about the money that you’ve already outlaid for your trip:

• Have you booked a tour?
• Are you taking flights?
• Do you have accommodation which you need to pay for up-front?
• Have you already paid for your cruise?

If you’ve said “yes” to any or all of the above, you’ve already invested a sum of your money on this holiday. And if you get sick before or during your trip? Or there’s a natural disaster and you can’t travel anymore as a result? If you don’t have travel insurance, there goes your money - and you didn’t even get to travel!

The cost of affordable travel insurance is usually just a small fraction of your overall holiday budget and can be worth it if something unexpectedly goes wrong.

Some of the common unexpected situations you may experience whilst travelling, and for which you can be covered for, include:

Unexpected illnesses while overseas

You may need to see a doctor for a consultation, go to hospital for treatment or purchase medication.

If you’re unable to return home as planned because you’re seriously sick, contact the Emergency Assistance team . You may be able to claim for the medical expenses and extra cost of your accommodation until you recover, and your policy may also be automatically extended until you return home.

You might trip over while sightseeing and end up with a fracture or broken bone, or become injured in an accident. Your budget travel insurance can provide assistance if you’re injured during your overseas trip.

Emergency medical repatriation

If you’re seriously injured or sick while overseas, the Emergency Assistance team may arrange your transport home to Australia accompanied by a registered nurse.

Your belongings being lost, stolen or damaged

Losing your belongings while you’re trying to have an affordable holiday can put a dampener on your trip.

In many cases, your travel insurance policy may be able to provide cover if your belongings are lost, stolen or damaged . Just remember to obtain a police report when you are reasonably able to and preferably within 24 hours of the theft to submit with your claim.

Experiencing complications with pre-existing medical condition

If you have a pre-existing medical condition and experience complications while you’re travelling overseas, you may be able to claim for the medical and hospital expenses that you incur if it’s a condition that’s covered under our policies.

Always check the Product Disclosure Statement (PDS) to find out if your pre-existing medical condition is covered.

Natural disasters

Natural disasters  can directly result in flight delays and cancellations to all or a part of your trip. If this happens, you may have to spend more than expected on your trip, including extra accommodation, or having to cancel holiday completely.

If a natural disaster occurs after you’ve purchased your budget travel insurance policy, you may be able to be reimbursed for these expenses if your trip is disrupted.

Your budget travel insurance policy also includes  Personal Liability Insurance . Should a claim be made against you for the death or injury of a person, or the physical loss or damage to property, your travel insurance policy may be able to assist in the payment of compensation and legal expenses.

5 Things you need to know about our budget travel insurance

• Cancellation cover can reimburse you the money that you’ve already paid for your holiday, including accommodation, flights and tours, if something unexpected happens and you can’t travel.
• Customise your policy to cover the activities that you’re planning on doing, so you’re not paying for what you don’t need. You can add cover for snow sports , adventure sports , rental vehicle insurance excess , motorcycle, scooter and moped riding and more.
• We cover 43 pre-existing medical conditions .
• You can be covered in case of theft, loss or damage to your luggage , passport and credit or debit card.
• Medical repatriation and evacuation directly back to Australia is covered if you’re seriously sick or injured.

Do I need budget Australian domestic travel insurance?

Simply travelling around Australia? Any medical expenses will already be covered by Medicare and your private health insurance anyway, so why do you need budget domestic travel insurance?

While your medical expenses may be covered by Medicare and your private health insurance if you’re sick or injured, there are other reasons why you should take out Australian domestic travel insurance:

• What about the direct flights, accommodation and tours you’ve already booked for your trip? Will you be able to recoup that money if you’re not able to travel, or your trip is cut short? The cancellation benefit on our Domestic Plus policies can reimburse you for the payments that you’ve already made.
• If a natural disaster or severe weather results in your trip not going ahead, can you afford to lose the payments you’ve already made? Again, the cancellation benefit can provide you with cover in these situations.
• If you hire a rental car and damage it while on your Australian holiday, you can claim the rental vehicle insurance excess that you had to pay on your rental vehicle insurance policy up to $5000.
• Cover for special event transport expenses and travel delays is also included in our Domestic Plus policies.

What is not covered in budget travel insurance?

Your budget travel insurance policy won’t be able to provide you with cover in the following situations:

24 hour emergency assistance for non-medical emergencies

Emergency assistance isn't just for medical emergencies. They can also help if you:

• Are stranded because your flights have been cancelled and there is no reasonable means of finding your way
• Have been robbed, assaulted or need assistance
• Are in a dangerous and fatal situation such as a flooding town
• Need translation assistance

Exclusions in your policy

There are some events that your travel insurance policy can’t cover you for, regardless of the type of policy that you have, and even if you purchased your policy before the event happened. These type of events are listed in the “General Exclusions” section of the Product Disclosure Statement (PDS) , and the best example is the COVID-19 pandemic .

If you are breaking the law

You may not be covered for your hospital and medical expenses if you become injured while breaking the law. This includes riding a motorcycle without a helmet or relevant licence, or while under the influence of drugs or alcohol. Remember, using drugs or selling them can land you with a long prison term or the death penalty in some countries.

If you are intoxicated or have taken illicit drugs

It’s not illegal to have a drink during your travels, but if you’ve drunk alcohol excessively and alcohol has a direct impact on the reason for your claim, there will be no cover under your travel insurance policy. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover for the medical expenses. The same goes for taking drugs (which have not been prescribed by your doctor).

Leaving your belongings unattended

There’s no cover if your belongings are stolen because you’ve left them unattended or unsupervised. For example: If you leave your bag behind on the train, or your sunglasses on a table in a bar, walk away to go to the toilet or order your meal, and the bag or sunglasses are stolen, this will be considered leaving your belongings unattended. Make sure you keep your belongings with you at all times or keep them in a secure location.

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while riding a moped overseas and you didn’t add the Motorcycle Pack to your budget travel insurance policy, you’ll be responsible for paying your medical and hospital expenses. Ensure you have cover for the activities that you plan to do, otherwise you won’t be able to claim for the expenses that arise.

Disappointing holidays

Pouring rain the whole two weeks of your holiday? Your accommodation looked much better online? Or that church you had always wanted to visit was closed for renovations? While your budget travel insurance policy covers you for unexpected emergency events, it can’t compensate you if you didn’t enjoy it.

Routine medical or dental check-ups

Your overseas medical cover is for medical emergencies only. There’s no cover for regular check-ups or filling regular prescriptions as they’re not considered medical emergencies. Make sure you bring enough of what you’ll need for your budget holiday before you leave Australia.

Ignoring official warnings

If the Australian Government releases a warning on smartraveller that certain regions or countries are no longer safe to travel to, and you still choose to travel there, your budget insurance policy may be void.

Events that are already happening

Known events are serious situations which can affect your budget holiday plans and also your budget travel insurance policy. These events include natural disasters like the Bali volcano eruptions in previous years, to the terrorist attacks in Sri Lanka in 2019.

If you buy your budget insurance after an event is deemed a “Known event”, the cover on your policy may be directly affected. You should check for any Travel Alerts that may have been issued for the places that you plan to travel to, so you know where you stand with regards to the cover that you will have on your budget travel insurance policy.

Sexually Transmitted Infections (STIs)

All of our travel insurance policies exclude cover for medical expenses related to Sexually Transmitted Infections or diseases.

Do I need travel insurance for my cheap holiday?

You may be able to control your initial holiday budget, however, whenever you travel, no matter what you do and how cheaply you do it, there’s still the potential for your plans to deviate and something unexpectedly go wrong.

That unexpected something may simply mean that you don’t get to visit a museum or art gallery. In other times, that something may be more complicated, and you end up getting a bill for unexpected expenses. Expenses which may turn your budget holiday into the most expensive trip you’ve ever taken! And that’s where travel insurance for your budget holiday can come in handy. Your budget travel insurance policy can potentially save you hundreds and thousands of travel related costs including:

• The fee for an overseas doctor’s consultation or your hospital stay because you ate the wrong food and got food poisoning, or you trip over while sightseeing and break your ankle.
• The deposits that you’ve already paid for your trip if you’re not able to travel due to an unexpected sickness of injury.
• Replacing your belongings because they were stolen from you while sightseeing, or from your hotel.
• Extra expenses due to an unexpected sickness, severe weather or natural disaster results in you deviating your plans and needing to stay at your destination for a longer period of time than you had planned for.
• Having to organise a replacement credit / debit card or passport because they were stolen from you.

Does budget travel insurance cover trip cancellation?

Yes it can! Trip cancellation cover can reimburse you for the payments that you’ve already made for your trip due to an unexpected:

• Sickness or injury to yourself, your travelling companion or close family member
• Natural disaster
• Severe weather

The cancellation benefit can cover you before you’ve left for your trip, and also partway through your trip in the event of an unexpected emergency. So when you’re looking for budget insurance, check to see if it includes trip cancellation cover.

Can I get affordable seniors travel insurance?

The cost of travel insurance for seniors can cost more than younger travellers, and that’s mostly based on age. However, it’s still possible to get budget seniors travel insurance with Fast Cover.

Here are a few tips to get affordable travel insurance for seniors:

• Seniors travel insurance premiums increase as you get older. Consider buying your travel insurance before your next birthday, as it may turn out to be cheaper.
• Did you know that if your grandkids are travelling with you, you can take out a family policy. It’s true!
• Not going skiing and snowboarding or doing extreme sports? Then don’t pay for it! You can customise your budget seniors travel insurance policy to just include the activities that you plan to do, including cruising.
• Buy your budget travel insurance direct and cut out the middlemen (for example: travel agents and tour operators). Doing this can lower the cost of your travel insurance policy because you're not paying their commissions.

What is the best budget travel insurance company in Australia?

The best Australian travel insurance policy for your budget trip is one that’s going to be able to cover you for the type of holiday that you’re taking. It may not be the cheapest, or even the most expensive.

If you’re looking for the best budget insurance policy for your trip, you should firstly research directly with the travel insurance company. Secondly, you should consider what you’re going to be doing and what you want to be covered for. Some considerations can include:

• Have you booked your holiday in advance to take advantage of early-bird fares, and need cancellation cover in case you can’t make the trip due to an unexpected sickness or injury?
• Are you concerned that a natural disaster will delay your travel or even cause your budget trip to be cancelled?
• Do you want luggage cover just in case your belongings are lost or stolen while on your trip?
• Do you need cover in case you’re injured while riding a scooter or moped ?

Knowing what you want to have cover for can assist you when looking for the best travel insurance policy for your budget holiday, because you can make a more informed choice.

Budget Travel Insurance FAQs

Is it cheaper to buy travel insurance online.

No, it makes no difference to the price of your policy, however the great thing about buying online is that you can do it in your own time, and you can always contact us if you need help.

Contact us for assistance:

• Email [email protected]
• Phone 1300 409 322

Can we book as a group?

Yes you can - fact it can be cheaper to book together and can be faster and simpler!

• Family policy where the parents or grandparents are travelling with up to 10 children or grandchildren who are under the age of 21 and not in full-time employment.

Can you trust cheap travel insurance?

When considering travel insurance, the cheapest or the most expensive policy may not be the best for you. it is more important to check the policy coverage to see if it adequately covers you for your needs, rather than just basing your decision on price.

Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

Before you make any decisions about the product you should read the  Product Disclosure Statement (PDS) to ensure that it is suitable to you.

Coupon Codes for Travel Insurance

We have created a dedicated  Coupons, Discounts, Vouchers and Promo codes Travel Insurance  page on our website that is designed to answer your specific questions regarding finding discounted travel insurance.

• How do you find cheap travel insurance?
• What are promo and coupon codes?
• How do you use a Fast Cover travel insurance coupon code?
• What travel insurance coupon codes are currently valid?
• Where do you find coupon codes for travel insurance?

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.

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We’ve got you covered for COVID-19

* This policy provides cover for costs incurred from having to cancel, curtail or change your trip because you contract COVID-19 and it is first diagnosed after the policy is issued. The Policy also provides cover for overseas medical emergency expenses incurred on your overseas trip, and transportation of remains or burial if you die during your trip, as a result of you having contracted COVID-19 which was first confirmed or diagnosed while on Your Trip (unless you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure). 

We do not cover trip cancellation, curtailment or change due to border closures caused by COVID-19. Limits apply and vary with each plan. See the   Product Disclosure Statement (PDS)   for full terms, conditions and exclusions.

• Cover at a Glance

Cover for COVID-19

Cover for overseas medical expenses, emergency medical evacuation, and trip cancellation, curtailment or change, due to your Covid-19 diagnosis. See details above.

Medical Expenses

Provides cover for repatriation/evacuation, cost of overseas emergency medical treatment, emergency dental treatment and extra accommodation costs, in the event of a medical emergency while on your overseas trip. Excludes claims arising from pre-existing medical conditions.

Trip Cancellation and other Travel Inconveniences

The Policy provides cover if you need to cancel, curtail or change your trip due to certain unforeseen circumstances including injury or illness (excluding pre-existing medical conditions). The Policy also covers trip delay by providing additional hotel accommodation (room only) if your flight is cancelled or extensively delayed (waiting periods apply), as well as cover for lost or damaged personal baggage and travel documents (theft report required, limits and sub-limits apply, excludes items stolen if left unattended in a public place).

Cover for accidental death, hijack and kidnap cover, and cover for personal liability incurred, while on your overseas trip (excluding liability for use of vehicles or watercraft). Cover also provided for loss of income due to an overseas injury causing temporary total disablement.

Optional add-ons

Options include snow sports cover, cruise cover and rental vehicle excess cover (additional premiums apply).

Travelling against Government advice? We will not cover losses, pay or reimburse any costs, under any section of this Policy, arising from circumstances where: (a) prior to the Issue Date specified on Your Certificate of Insurance in the case of a claim for Cancellation; or (b) prior to You starting a Trip for all other claims under the Policy; an Australian State, Territory or the Federal Government or a government agency (such as DFAT) issued a ‘Do Not Travel’ warning or advising that borders are closed, for the destination You planned to travel to. Please refer to who.int, smartraveller.gov.au, dfat.gov.au or other government sites for further information.

This frequently asked questions (FAQ) document has been prepared to address some frequent coverage queries relating to the Chubb Travel Insurance Product Disclosure Statement (PDS) . The FAQs are a summary only, they are not an exhaustive list of the coverage, terms, conditions or exclusions in the Policy.

Limits apply and vary with each plan. Please refer to the  PDS  for further information on the terms, conditions and exclusions of the policy.

If I am diagnosed with COVID-19 during my overseas trip, will my overseas medical expenses be covered?

Yes, if you are first diagnosed with COVID-19 while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. Except where you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure.

If I’m positive with COVID-19 when my trip begins, will I be covered for COVID-19 related medical expenses during my trip?

No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with COVID-19 before your departure.

If I become ill with COVID-19 before or during my Trip, will I be able to claim for costs I incur for the Cancellation or Curtailment of my Trip?

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of an unforeseen illness (including COVID-19) where:

• you first contract and are diagnosed with COVID-19 after the policy is issued;
• a doctor confirms the illness in writing; and
• the illness is not a pre-existing medical condition.

I no longer want to travel because I am worried about the spread of COVID-19. Are my trip cancellation, curtailment or change costs covered?

No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the Policy.

If I need to cancel, curtail or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.

If I am diagnosed with COVID-19 after commencing my trip and subsequently issued with a quarantine order, will I be covered for the quarantine costs?

Yes, additional travel or accommodation expenses incurred are covered (within the benefit limitations) as a result of a mandatory quarantine order by a local government or public health authority. Except where you travel against a government issued “Do Not Travel” warning or border closure.

I have been classified by a public health authority as a close contact with a person diagnosed with COVID-19 and have been required to isolate as a result of this contact. Is there any benefit that I can claim?

No, cover is not available in this scenario.

Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?

No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation, curtailment or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in Australia or at the destination) prior to departure.

Is there an option to purchase COVID-19 Cover on a stand-alone basis?

No, COVID-19 cover is not available on a stand-alone basis.

Is cover provided for trip cancellation, curtailment or change due to a natural disaster at my intended travel destination?

Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

No, failure to hold or obtain all required documentation for your trip is not covered.

If I need to cancel my trip due to an illness or injury before my departure, am I covered?

Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check PDS for details on pre-existing medical conditions which are not covered.

If I need medical treatment during my overseas trip, will my overseas medical expenses be covered?

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the PDS , which excludes claims arising from pre-existing medical conditions and participation in certain sports.

Are Pre-Existing Medical Conditions covered?

This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ which is found on page 16 of the PDS .

What is a "Pre-Existing Medical Condition"?

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued. It’s important to check the full definition of “Pre-Existing Medical Condition” on page 16 of the PDS before making your purchase, as variable limits and time restrictions apply to specified conditions.

Is a video camera (or any other item) on loan or hire for the trip covered?

No, any items loaned, hired or entrusted to you are not covered

What happens if my luggage is delayed by the airline when I’m on my trip?

We will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

Who is eligible for cover under the policy?

All people covered under the policy must be Australian residents and 69 years of age or younger. The trip must start and end in Australia.

When can I purchase my Chubb Travel Insurance policy?

You can purchase the policy up to 180 days before your trip commences.

Will my policy be valid if I start or end my trip outside of Australia?

No. Your trip must begin and end in Australia for your policy to be valid.

Is there a maximum age on the policy?

Yes. Covered persons must be 69 years of age or younger before the date your policy is issued.

Do I need to undergo a medical examination to apply for the policy?

No. However, please note that pre-existing medical conditions are not covered.

Will I be covered if I purchased the policy after the commencement of my trip?

No. Cover is only applicable if your travel insurance is purchased before you start your trip.

Is there a maximum travel period on the policy?

Yes. The maximum trip duration is 180 consecutive days.

Is pregnancy covered under the policy?

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

• Overseas medical expenses cover - If you have a sudden and unexpected pregnancy related injury or illness which occurs before the end of the 23rd week of your pregnancy
• Trip cancellation and amendment cover - If you have a sudden and unexpected injury or illness arising from your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).

If my flight is delayed, am I covered?

Yes. We will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missing onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Is there a cooling off period?

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

• you haven’t started your trip; or
• you haven’t made a claim; or
• you don’t want to make a claim or exercise any other right under the policy.

What is Chubb Assistance? How does it work?

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy. In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

More Questions?

Please contact Chubb on 1800 803 548 or email us on [email protected] for any questions you may have.

Quality travel plans at an affordable price

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers quality insurance to Australian travellers. We have plan options for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, fair and efficient handling of claims

24 hour emergency assistance.

When you purchase Chubb Travel Insurance, you are also covered by Chubb Assistance, our 24-hour emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

In addition to our wealth of local expertise, Chubb's operation in Australia is backed by our extensive global travel network and breadth of resources to serve your every need.

Chubb contact information

Chubb Insurance Australia Limited Email:  [email protected]

For general enquires and claims, call 1800 803 548 (Mon to Fri 8:30 am to 5:00 pm)

For 24-hour emergency assistance, call +61 2 8907 5666

For existing policies, you can log in to the customer portal to access your policy documents or make changes

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network. Please use our office locator.

Chubb. Insured.™

• About Chubb
• Chubb Insurance Australia Limited

Chubb Travel Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). You can contact Chubb on 1800 803 548. Chubb only provides general advice and does not consider your objectives, financial situation or needs. To decide if this product is right for you, read the   Chubb Travel Insurance Single Trip Product Disclosure Statement (PDS) . The Target Market Determination for this product can be found  here . Please also see the  Chubb Privacy Policy . Terms, conditions, exclusions and limits apply.

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CRUISE Insurance Quotes

Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

We compare quotes from over 25 travel insurance brands in Australia. Do your comparison online to save time, worry and loads of money.

WHY COMPARE TRAVEL INSURANCE IS LOVED BY CRUISERS

No Hidden Fees

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

On-Board Medical Cover

Oh buoy, whether it’s a bout of food poisoning or a slip on the deck that sends you to the on-board doctor. you can rest assured your cruise policy will cover your expensive out-at-sea medical bills.

When You Go Off Course

Don’t fret if your flight is cancelled due to bad weather and you miss your boat setting sail – your cruise insurance will cover you for any pre-paid expenses you incur.

Product Choice

Ships ahoy! We compare cruise policies for all types of travellers from Australia’s reputable travel insurers. Compare  25+ brands  including 1Cover, Amex, Budget Direct, Zoom Travel Insurance and more!

Cruisey Convenience

Don’t waste time visiting 10 websites separately. Using our cruise comparison will put you nautical miles ahead of the pack. Save yourself time and money by comparing your cruise insurance today.

Your Belongings

Aye aye captain! Most people pack a schmick camera on the boat to take pics of all those amazing views. Be confident all your valuables are covered with the right cruise cover.

Travel Insurance Extraordinarie At Your Service

Don’t rock the boat baby! Eugene has the answers to all sorts of travel insurance queries . Use our quick search below to makes sure you’re covered from ship to shore. Aye aye captain!

cruisING insurance  explained

Setting sail? You're not alone. Cruising is one of the fastest-growing holiday types amongst Aussie travellers. Whether you're cruising internationally or in domestic waters, medi-evacuations costing around $10,000 are just one reason you shouldn't leave home without cruise travel insurance.

With some brands, cruising is automatically covered in their comprehensive policy, while other insurers offer it as an optional add-on. We've taken the hunting around and guesswork out of it - simply enter your trip details with Cruise selected, and compare cruise travel insurance quotes from more than 25 of the top travel insurers. Remember to include the country of every port you are visiting, or regions like 'Pacific' or ' Europe' when entering your quote.

Why might you need cruise coverage? If you fall ill before you travel, you may have provision to claim back any lost deposits. If 20,000 leagues of sea get between you and your wallet, a comprehensive policy may cover lost cash, cards and replacing your all-important passport. And perhaps most importantly, when you're off exploring the world, it's important to know that you've got medical coverage should something unexpected happen.

Medicare myth stings Aussies at sea

What does cruise insurance cover.

• Medical costs onboard: It's an unpleasant reality but we all fall ill and get injured, even while taking the dream cruise of a lifetime. Cruise travel insurance would provide cover for medical, surgical, hospital treatment and ambulance services. Your pre-existing conditions may also be covered, provided you cleared them with your insurer beforehand.  
• Emergency evacuations : In the event that you fall ill or are injured and require emergency medical attention on land, cruise cover will pay for your emergency evacuation to the nearest hospital. Such costs can be exorbitant and far beyond the reach of most travel budgets so this benefit can’t be overlooked.  
• Luggage and personal belongings: Lost, stolen or damaged belongings can put a huge dampener on your experience at sea. Provided you were taking reasonable care of your possessions, they’d be covered up to a set limit, depending on your cover level. Your policy may provide additional cover for valuables which is worth noting when travelling with high value items.  
• Cancellations: Life sometimes gets in the way of your holiday plans.  If you were to fall ill or were unable to board your cruise due to an unforeseen reason, travel insurance may cover your non-refundable cruise costs. Depending on your level of cover, you may be eligible to claim back all your lost costs. Cancellation cover kicks in as soon as you purchase your policy so it’s best to buy cover as soon as possible.   
• Cabin confinement : Cabin confinement is a necessary evil when it comes to containing the spread of disease on board a cruise ship. It’s to everyone’s benefit that patients are quarantined to avoid contagion but it’s no picnic for the poor passengers forced to stay holed up in their cabins. Thankfully travel insurance can ease the pain by reimbursing you for each day you are confined up to the maximum amount outlined in your policy.  
•   Formal wear : Getting dressed up to the nines is part of the fun of cruising. But your black-tie and glam evening attire is probably on the pricier side, which can make it risky to take-on board. Some cruise policies cover your formal wear in the event of theft or damage, along with your other high-value belongings (i.e., phones, cameras and laptops). Check your policy to know your cover limits.  
• Missed departure : Running late is never a nice feeling but missing your cruise departure date is especially unpleasant. Should you miss your cruise departure due to an accident, bad weather or mechanical breakdown, travel insurance will cover any additional travel and accommodation expenses you require before getting back on board.  
• Pre-existing conditions : Having an illness or injury doesn't rule out your ability to get cover. Your pre-existing condition may be covered automatically or granted by application. It’s worth shopping around when comparing cruise policies as some insurers will cover a wider range of conditions, albeit at a premium.  
• Missed port cover : While not all cruise policies feature this benefit, missed port cover reimburses passengers in the event that bad weather or mechanical breakdowns cause them to miss their port stop. This benefit can be hugely helpful in mitigating the disappointment of a missed port stop.

Trending cruise   Tips 

Cruise travel insurance guide

Like any holiday, there are risks. With so much time spent on the water, and so much of your journey dependent on various port authorities, the only way to truly relax is to know you’re covered should something go wrong.

What does cruise insurance cover?

What many people don't realise is that even if you're cruising Australian waters, once your cruise ship has left port, you are no longer covered for medical expenses by Medicare or your usual private health care provider.

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.

Cruise Insurance FAQs

Am i covered automatically for going on a cruise.

It depends! Some insurers cover you for cruising automatically, others require you to purchase their cruise pack in order to covered on land and sea. If you click 'more info' within the quote results, we tell you if the policy covers for cruises automatically. Alternatively, when you are directed to your chosen insurers site to buy, they will ask you if you want to add extras like cruise, activities, high value items and more. Make sure you select YES at this point if you are taking a cruise.

Do I need cruise insurance for domestic cruises?

Yes, you are required to purchase cover for cruising even when your just sailing in domestic waters to be covered for any medical treatment you receive on board and for helicopter evacuation. You should select 'Pacific' in the quote process even if you're only cruising around Australia.

How much does it cost to visit the on-board doctor?

Even a quick trip to the on-board doctor can set you back a few bob! Consultations and medications on board are charged at private rates. These can amount to $250 for just a quick 10-minute appointment - so make sure you buy cruise insurance to cover you for any medical treatment you may require at sea.

Do I need to list every port we are visiting?

Yes, please include all destinatioins in your quote. If it's easier, you can opt to select a region. For example, if you are visiting Tonga, Fiji, New Caledonia and Vanuatu. Instead of adding all destinations separately you can just select 'Pacific'.

What age can I buy travel insurance until?

Although you can compare seniors quotes up to the age 120 on Comparetravelinsurance.com.au, some insurers do have age limits you should be aware of. Our handy guide provides more details on seniors travel insurance age limits. 

What pre-existing illnesses does seniors travel insurance cover?

Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medial condition not listed, you may be able to get cover for an additional fee. Depending upon the seriousness and recency of the condition, your application may require further assessment. See more about pre-existing conditions and medical assessments here.

Are golf clubs covered?

Not all travel insurance policies cover your golf clubs as standard, or luggage limits may apply. Make sure you do your research to make sure you are covered for clubs that are damaged in transit whilst in the hold. Or for damage to clubs whilst in use. See more information about who offers golf cover here. 

Does seniors travel insurance cover hearing aids or false teeth?

Mid-range and Comprehensive policies provide cover for your items - but single item limits apply. Usually you will be covered for around $750 per item. If your hearing aids of false teeth (or any other high velue item) is worth more than this, you'll need to tell your insurer so they can make sure you are properly insured.  

Travel Insurance Reviews

Choosing the best cruise travel insurance for you and your needs can be tricky - but our delightful customers are here to help. Thousands of Aussie travellers have reviewed their travel insurer so you can have the inside story on the policy, the customer service and the claims process before you buy.

Do you want to help your fellow travellers? Whether you're in love with your insurer or would rather leave them, review and rate them now.

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

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. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, 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.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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