- Travel Insurance
- Best Comprehensive Travel Insurance Providers In Australia
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.
Our Pick Of The Best Comprehensive Travel Insurance Providers In Australia
Published: May 3, 2024, 8:30am
Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .
Australians are well-known for their love of travel, with many of us eager to make up for years spent in lockdown with epic European vacations, winter breaks in Bali, or luxury cruises.
In fact, data from the Australian Bureau of Statistics’ (ABS) revealed that travel activity in December 2022 was at the same level as February 2019, before lockdowns and Covid restrictions, and this trend has continued at this pace for much of 2023 and the beginning of 2024. Most recently, the ABS recorded some 1.3 million departures in January, an increase of 294,990 compared with January of 2023.
The ABS also noted that the number of trips for January 2024 was at the pre-Covid level in January 2019, and that travel across the ditch remains popular, with New Zealand still the leading destination for Australians returning from a short-term trip overseas (13%).
Key to peace of mind when travelling is adequate insurance, and it’s also paramount to find an insurance provider who will cover not only Covid-19 related claims, such as being diagnosed with Covid-19 while travelling or cancellations and delays due to Covid-19, but all of the other potential mishaps that could go wrong while overseas—whether it be missing a connecting flight, falling ill, event cancellation, theft or luggage going missing. Alarmingly, a recent study by Smartraveller and Insurance Council of Australia (ICA) found that one in six Australians are still travelling overseas without travel insurance, with younger travellers, those from lower-income households, and culturally and linguistically diverse backgrounds all more likely to travel without insurance.
To help Australians find the best option suitable for their needs, Forbes Advisor combed through the leading players to determine our pick of the best comprehensive travel insurance providers for those looking to travel overseas in 2024 and beyond. All insurers’ pds details have been fact-checked and are current as of April 2024.
Note: the below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.
Related: How to Find the Best Travel Insurance for you
Our Pick of the Best Comprehensive Travel Insurance Providers 2024
- Travel Insurance Direct (Comprehensive)
- Allianz (Comprehensive)
- Bupa Travel Insurance (Comprehensive)
- InsureandGo (Comprehensive)
- insure4less (Comprehensive)
- Cover-More Travel Insurance (Comprehensive)
- 1Cover (Comprehensive)
- Fast Cover (Comprehensive)
Tick Travel Insurance
- Qantas Travel Insurance (Comprehensive)
- Australia Post (Comprehensive)
What Methodology Did We Use?
Covid-19 travel rules and restrictions, what if i have a pre-existing medical condition, types of travel insurance policies, what about seniors, frequently asked questions (faqs).
- Best Seniors Travel Insurance
- Best Domestic Travel Insurance
- Best Cruise Travel Insurance
- Best Family Travel Insurance
- Best Student Travel Insurance
- Travel Insurance Cost
- Pregnancy Travel Insurance
- Travel Insurance And Covid: Are You Covered?
- Travel Insurance For Bali
- Travel Insurance For Fiji
- Travel Insurance For The USA
- Travel Insurance For Thailand
- Travel Insurance For New Zealand
- Travel Insurance To India
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
Freely Travel Insurance
On Freely’s Secure Website
24/7 Emergency Assistance
Flexibility to adjust your coverage even when you’re away in real-time.
In-app travel safety alerts to keep you safe
Unlimited, with a $1000 limit to dental
Despite the WHO declaring the pandemic over, Covid continues to interrupt our travel plans, and compared with other policies, Travel Insurance Direct offers very thorough Covid-19 cover, including both medical expenses and trip cancellations. Furthermore, some 43 medical conditions are automatically covered, however, additional conditions are not considered.
Where the policy really stands out is in its coverage of a broad range of 93 activities, with travellers able to add on extra coverage for certain higher-risk activities, such as snow sports. Plus, there are more than 2,500 reviews of the policy on Product Review, with an average of 4.2 stars.
- 93 sports and activities are automatically covered
- Lost luggage coverage up to $12,000, with the ability to increase item limits
- Online discounts are only available for multiple policies or group policies
- Certain pre-existing medical conditions cannot be covered
Yes, overseas medical expenses related to Covid-19 are included in the unlimited medical cover, as well as additional travel expenses up to $2,500.
Cancellations due to Covid-19 are covered for you and travelling party.
Unlimited, including dental
$2,000 is included, with the option to increase at a higher premium
Allianz has a generous medical policy, and unlike many competitors, includes unlimited coverage for both hospital and dental. The top-tier policy also covers pre-existing medical conditions, however, assessments are required and conditions need to be met. Some 38 activities are included and listed in the PDS, and there is no age limit to coverage.
There’s also the option to increase certain limits (luggage, cancellations, etc) for higher levels of coverage depending on the individual traveller’s needs.
- All ages are covered
- Dental is included in unlimited medical expenses
- Personal liability cover does not include additional activity packs, such as snow.
- No cover for missed connecting flights
Yes, Covid-19 is covered under medical expenses.
Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine due to Covid-19. As this is less of an issue these days, this policy feature is likely to be less important to travellers.
Bupa travel insurance is underwritten by Allianz, and its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.
Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses available. As with Allianz, credit card fraud is covered up to $5,000 and lost luggage tops out at $10,000 (sub-limits apply). It’s worth noting, however, that Bupa scores slightly lower on Product Review—an average of 3.9 stars compared to Allianz’s 4.
- 15% discount for Bupa health insurance policy holders
- All pre-existing conditions need to be assessed to determine if they will be covered
- Reviews state lengthy waits for claim payments
Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine. As this is less of an issue these days, this policy feature may not be as important to travellers.
Unlimited, with a $500 limit to dental
InsureandGo is an ideal choice for families, with 90 activities included and the option to add additional extras, such as snow cover. Children are covered up to the age of 18 if they are travelling with parents or grandparents, and the maximum age for a policy-holder is 100 years old—although if you’re heading on a cruise the maximum age is 79.
Lost luggage is covered up to $15,000—sub limits apply—and there is unlimited cancellation cover.
The company’s comprehensive offering, known as Gold, was rated an average of 4 stars from more than 6,000 reviews.
- Regular discounts with promo codes on Facebook page
- Coverage up to 100 years
- No credit card fraud coverage
- Dental tops out at $500
Yes, overseas medical expenses related to Covid-19 are covered, as are cancellations for the policy holder and their travelling companions
Yes, up to $7500 per person
Insure4less offers policyholders coverage for a wide range of activities—more than 120 are listed in PDS—while additional, high-risk sports can also be added. The comprehensive policy, known as Excel Plus, covers medical expenses of Covid-19, along with any additional expenses required for you to return early to Australia if necessary.
It also covers lost luggage up to $5,000 (sub limits apply), cancellations up to $7,500 per person, connecting flights up to $1,000 and personal liability up to $7.5 million—the latter of which is at the higher end of what is generally offered. Coverage for pre-existing medical conditions are subject to the completion of an online medical questionnaire.
Read more: insure4less Review: Pros and Cons
- More than 100 activities are included in the policy, with the option to add on additional cover for other high-risk activities such as snow cover for snowboarding and skiing
- Unlimited medical
- Luggage only covered up to $5,000
Mostly. Overseas medical expenses related to covid-19 are covered, as well as additional expenses for you to return early due to Covid if necessary. However, cancellations due to Covid are not covered.
Cover-More’s travel insurance not only covers Covid-19 medical expenses overseas, but also provides $2,500 for additional related expenses. Lost luggage is also covered up to $15,000, as are dependent children up to 21 provided they are financially dependent and not in full-time employment.
Travellers up to 99 years of age can travel on the Cover-More policy, however senior travellers must meet certain criteria.
Despite these stand-out features, what prevented us from giving Cover-More a higher score was its negative reviews: it scored an average of 3.3 stars out of almost 3,000 reviews on Product Review. (Forbes Advisor pays little attention to reviews when there are fewer than 100, and always takes into account that reviews tend to skew negative).
- Pregnancy is automatically covered for single-child pregnancy
- $3,000 for connecting flights
- Senior travellers need to meet acceptance criteria
- No online discounts
Mostly. Covid-19 related medical expenses are covered, with additional expenses up to $2,500.
There is up to $5,000 for cancellations related to Covid-19, but only on the Comprehensive Plus policy.
Unlimited, but dependent on conditions
From more than 4500 reviews on Product Review, 1Cover has received an average rating of 4.3 stars by consumers.
The comprehensive policy covers more than 100 sports and activities, and includes the option to add additional packs for high-risk activities. The rest of the policy can also be personalised, allowing policyholders to add or increase cover to suit the traveller’s habits
Credit card fraud is covered up to $5,000, as is disruption of journey when the delay is for more than six hours.
- Flexibility to add and increase cover to suit individual travellers
- Pregnancy cover up to week 24 of the pregnancy
- Travellers over the age of 80 incur a $3,000 excess
- Dental limited to $1,000.
Partially. Medical expenses for Covid-19 are covered, but cancellations are not.
Unlimited, with a $1,000 limit to dental
Fast Cover offers unlimited cover for both medical expenses and cancellations, however, it no longer offers automatic coverage for a range of pre-existing conditions, but instead provides the option of online medical screening up to the age of 89. This means if you want to ensure you’re covered for your existing medical condition, you can complete an online form and your condition will be assessed to determine if Fast Cover will include it in your policy.
The policy offers good Covid-19 coverage, including listing Covid-19 as a medical expense and including it as a reason for cancellation, however dental is capped at $1,000. Additional add-ons such as adventure or snow packs are not available to travellers over a certain age , and if you booked through a travel agent, cancellation cover for travel agent fees tops out at $1,500.
Read more: Fast Cover Review: Features, Pros and Cons
- Discounts available for more than one person
- Online medical assessment
- Adventure pack not available to travellers over 74
- Snow pack not available to travellers over 69
Yes, overseas medical expenses due to Covid-19 are covered, as are cancellations for those named on the insurance certificate.
Yes, up to $20,000
Tick Travel Insurance’s Top plan includes unlimited medical coverage, emergency dental to the tune of $500 and is open to travellers up to the age of 100.
Missed connections are not insurable but there is cover for travel delay expenses resulting from poor weather, a strike, industrial action or mechanical breakdown. Cover is for up to $100 per completed hour with a total limit of $1,000.
Most impressive of all is Tick’s positive customer reviews, with the company receiving an average of four stars out of more than 2,800 reviews on Product Review. We also like the $20,000 cancellation cover, which is more than a lot of its competitors.
- High cancellation cover
- Positive reviews
- Covers elderly travellers up to 100
- Rental excess coverage is lower than competitors
- Credit card fraud not covered
The good news is that under Tick Travel Insurance’s Top Plan, you will be covered for covid-related cancellations, medical expenses or trip disruptions when overseas.
Qantas Comprehensive Travel Insurance offers unlimited medical expenses, including coverage for Covid-19 diagnoses. It also automatically covers 43 pre-existing medical conditions (pending certain criteria), but requires a medical assessment, in the form of an online form, for any conditions not listed.
There is unlimited cover for cancellations and missed connections, as well as coverage for emergency dental for acute pain of up to $2,500. Note: the standard comprehensive policy is for those aged up to 69; there is a seperate policy for 70+ years.
Related: Our pick of the best travel insurance for seniors .
- Lost luggage covered up to $15,000
- Good Covid-19 cover
- Some poor reviews albeit from a small number (257)
- Fraudulent credit card activity is not covered
Yes, overseas medical expenses includes if you are diagnosed with Covid-19. Cancellations due to a positive Covid-19 diagnosis are also covered, as well as ‘reasonable’ additional expenses (such as if you are required to quarantine).
Australia Post’s Comprehensive Travel Insurance offers coverage for credit card fraud of up to $5,000, lost luggage insurance up to $12,000 (sub-limits apply on certain items) and no age limit on policies. There is unlimited emergency medical, which we would expect for a comprehensive policy, with a $2,000 limit for dental, which is also pretty good. There is no cover specifically for missed connections but there is cover for travel delay up to $2,000
However, cruises of more than two nights will not be covered and need to be added as an additional pack to the policy.
- No age limit
- High coverage for dental
- Need to purchase an additional cruise pack if going on a cruise of longer than two nights
- Only 15 activities included, with additional packs required to be purchased for snow sports and motorcycling
Partially. Covid-19 related medical expenses and additional expenses are are covered, but an additional excess applies. Cancellations due to Covid-19 are not covered, and there is no cover for claims arising from Covid-19 while travelling on a cruise.
To find our list of the top travel insurance providers, we performed an in-depth analysis of more than 30 of the most popular local travel insurance providers. This included an evaluation of their current product ratings online and reviews from previous customers; a comparison of necessary offerings; and in-depth research into their individual product disclosure statements (PDS).
Through the analysis, the following coverage offerings and conditions were compared:
- Underwriter: an underwriter is the company which evaluates an applicant’s claim for approval and payment, and therefore should always be a reputable company;
- The average product review rating: found via Australia’s independent consumer review site, Product Review, where policyholders rate their experience with the specific travel provider;
- Conditions of age: including whether there is a maximum age cut-off to take out the policy, or whether children up to a certain age can be included with the main policy holder;
- Coverage of personal liability, credit card fraud, car hire excess and lost luggage: including any additional fees, conditions, and value limits;
- Medical cover, including dental, pregnancy and Covid-19: specifying what is included in the medical cover, any excess limits for dental, what weeks of pregnancy are covered (if any), and whether Covid-19 is included as a medical claim;
- Whether cancellations, delays or connecting flights were covered: including whether cancellations due to COVID-19 are claimable and any conditions with travel delay coverage or connecting flights;
- The inclusion of pre-existing medical conditions: from how many pre-existing medical conditions are included to whether there are conditions that need to be met, and any medication conditions that are automatically excluded;
- The inclusion of sports and activities: how many sports and activities were included in the policy; any sports and activities that are not covered; the availability of additional packages to cover certain sports and activities (such as winter sports or cruises);
- Emergency assistance and customer service: the availability of assistance and the level of customer service provided to a policyholder; and
- Discounts: whether there were any online discounts available from the provider.
In all, there were 19 different variables we compared and considered to find the overall ranking of each comprehensive travel insurance provider. Rankings were then made between 1-5, with the leading providers–all ranked 3 and above–included in the best-of list.
You will note that we did not evaluate policies on the metric of price: this is because the cost of travel insurance is highly dependent on the circumstances, health, age and destination of the person travelling.
A Note on Star Rankings
You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.
The rules surrounding travel are ever-changing as the Covid-19 pandemic continues. At the time of writing, you do not need to provide proof of a negative Covid-19 test to meet Australia’s travel requirements, nor do you need proof of a Covid-19 vaccination to travel to and from Australia.
Masks are also no longer necessary on international flights. However, as per the Australian government’s health and aged care department, Australians are still encouraged to consider wearing a mask to reduce potential risk.
The rules and regulations surrounding Covid-19 travel overseas vary by country and region. Before you travel, be sure to check your destination country’s local public health orders for Covid-19 vaccination requirements, and to see if there are any isolation or quarantine orders to abide by upon your arrival.
You can check the government’s Smartraveller Destination guide to find the latest updates for your destination, along with the Australian government’s advice for travelling to that destination.
The advice levels are: exercise normal safety precautions; exercise a high degree of caution; reconsider your need to travel; and do not travel. Smartraveller explains the level of advice in attribution to each destination and the reason for such, which could include terrorist threats, high levels of violent crime, security risks and/or health measures.
If you have, or have had, a medical condition, you may need to ensure your travel insurance has specialist coverage for pre-existing medical conditions. The same applies if you are recovering from serious injury.
Most Australian travel insurance providers do include a wide range of pre-existing medical conditions in their policies, such as cancer, heart problems, respiratory ailments, Crohn’s disease and diabetes. They can also include more common complaints such as asthma and hay-fever, as well as Covid-19.
For pre-existing medical conditions that aren’t automatically included, you may need to purchase extra coverage. To find out whether your condition is listed on the policy, you will need to read the travel insurance provider’s product disclosure statement. If your condition is not automatically included, it may still be covered upon meeting certain conditions or by undertaking a medical assessment.
Some conditions may never be covered by some providers and are excluded, even pending a medical assessment. Most often, these are pre-existing medical conditions that are the result of alcohol or drug dependency.
When comparing travel insurance providers, you’ll see many different policy types and therefore need to consider which best suits your needs. These policy types include:
- Single cover: cover for an individual traveller
- Family cover
- Single trip: providing cover for one trip, for a specific destination over a fixed time
- Annual multi-trip: designed for those planning to take more than two holidays or business trips a year to multiple destinations.
- Worldwide: allowing you to travel to destinations across the globe, however certain high-risk areas or those that are expensive for medical cover may not be included
There are often ‘packs’ or ‘additional extras’ that can be added on to these standard policy types, to include specific activities or travel types. This includes cruise coverage, designed to provide cover for the activities and risks associated with cruise holidays; winter sports packs, designed to provide cover if you plan to take part in high-risk activities, such as skiing and snowboarding; or backpacker coverage, which covers individuals on longer trips overseas that may span numerous countries.
Those over 55 years old need to ensure the travel provider and insurance policy they choose includes their age. Some policies have a maximum age cut off, while others do not. Meanwhile, some policies may include all ages, but incur a higher premium for those aged over specific cut offs.
Seniors should also consider the level of cover provided for medical and hospital expenses. While accidents and illnesses can happen at any age, it is a fact of life that seniors are more susceptible.
When taking out an insurance policy–at any age–it is essential that you read the insurance provider’s PDS and ask to clarify any questions that you have, so that you can ensure you are covered in the way you expect to be if a claim does arise. You can read more in our pick of the best travel insurance for seniors.
Data Research: Mia Dunn
What does most travel insurance cover?
When searching for travel insurance, it’s important to find a policy that suits your individual needs. Ideally a travel insurance policy will include medical cover, lost luggage cover, and other emergencies or accidents that may occur while you are overseas.
Insurance providers may have different limits or higher excess required for certain coverage, so it’s essential that you read the product disclosure statement before taking out a policy.
Which is the best travel insurance for over 70s?
Travel insurances often have a maximum age that they are willing to cover, largely due to the high-risk of elderly individuals. These cut-off ages vary by policy provider, and through our analysis, we found the providers that offered travel insurance for over 70s that was also highly regarded in other factors were Australia Post, Allianz, and InsureandGo. You can read more in our pick of the best travel insurance providers for seniors .
Which is the best travel insurance for Covid-19?
According to our analysis, the best Australian travel insurance with COVID-19 cover is Cover-More’s Comprehensive Travel Insurance Plan. The policy covers Covid-19- related medical expenses as included in its unlimited medical expenses cover, additional expenses up to $2500, and up to $5000 for cancellations related to Covid-19. Of course, this is a guide only, and we did not analyse all of the providers on the market, so you may find another Covid policy that is better suited to your needs.
Who is the best company for travel insurance?
It’s important to remember that rather than one travel insurance company being better than the other, you need to find the perfect match for you: if you’re over 65, then you will want a company that caters to seniors, if you are an adrenaline junky then you will want a company that offers generous activity coverage. In our analysis the following companies scored above-average ratings:
Is it worth buying travel insurance at the moment?
It’s always worth buying travel insurance, even if you don’t intend on undertaking any extreme sports or risky activities. Travel insurance will protect you if your flight is delayed or cancelled, you experience a medical emergency overseas or you lose your belongings. With so many providers on the market these days, competition is fierce so you can find reasonably priced travel insurance for as little as $2 a day in some cases.
The Department of Foreign Affairs Trade (DFAT) and Insurance Council of Australia’s (ICA) joint Travel Insurance Survey of 2023 found that one in six Australians were not covered by insurance on their most recent trip. The most common reason given for travelling without insurance was “travelling somewhere I knew I’d be safe” (29%), followed by “I wasn’t sure if it was needed” (27%) and “I just didn’t think of it” (25%).
What doesn't travel insurance cover?
Each policy is different so make sure that you read the product disclosure statement to determine whether you’re covered for Covid-related incidents or delays. As a general rule, however, you won’t be covered for mental health emergencies overseas or for incidents that occur when you are under the influence of drugs or heavy intoxication.
Is Allianz good travel insurance?
In our assessment, we found Allianz to have many positive features as a travel insurance provider, not least of which is the generous unlimited medical and dental in its comprehensive offer. While the company covers travellers for lost luggage, there is no cover for missed connecting flights.
Is Bupa good for travel insurance?
In our Forbes Advisor Australia assessment, Bupa’s comprehensive travel insurance is a solid choice. It is underwritten by Allianz, so its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.
Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses.
How many days before should you buy travel insurance?
You should buy travel insurance as soon as you purchase your tickets, that way you are covered if your trip is cancelled. While there is cover available once you have left Australia, it is much more limiting than had you purchased insurance beforehand.
The information provided by Forbes Advisor is general in nature and for educational purposes only. Any information provided does not consider the personal financial circumstances of readers, such as individual objectives, financial situation or needs. Forbes Advisor does not provide financial product advice and the information we provide is not intended to replace or be relied upon as independent financial advice. Your financial situation is unique and the products and services we review may not be right for your circumstances. Forbes Advisor encourages readers to seek independent expert advice from an authorised financial adviser in relation to their own financial circumstances and investments before making any financial decisions. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor provides an information service. It is not a product issuer or provider. In giving you information about financial or credit products, Forbes Advisor is not making any suggestion or recommendation to you about a particular product. It is important to check any product information directly with the provider. Consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and other applicable product documentation before making a decision to purchase, acquire, invest in or apply for a financial or credit product. Contact the product issuer directly for a copy of the PDS, TMD and other documentation. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our partners. For more information, read our Advice Disclaimer here .
Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.
Australia Post Travel Insurance
Important information on terms, conditions and sub-limits.
Are you a big fan of the national postal service? If yes, you’ll be excited to hear that as well as parcels and letters, you can also get travel insurance from Australia Post. So, if you’re planning to post yourself away, you might want to check it out! Keep reading for important information you should know before signing up for an Australia Post travel insurance policy.
About Australia Post
Yes, this is the Australia Post that is in charge of getting your letters and postcards back to family and friends while you’re away. Australia Post itself has been offering insurance for nearly a decade. Its travel insurance policies are underwritten by Zurich Australian Insurance Limited.
What travel insurance does Australia Post offer?
Australia Post offers multiple travel insurance policy options: basic and comprehensive international travel insurance, multi-trip travel insurance and domestic travel insurance. There’s also a number of optional extras you can add on to your policy, if you’re looking for cover that is a little more tailored towards your particular trip. Below is a comparison of the international travel insurance policies Australia Post has to offer (here at Mozo we don’t compare domestic travel insurance).
- Single Duo Family Group
Limits shown apply
Covid medical cover
Covid cancellation cover
Overseas emergency hospital expense
Overseas emergency medical assistance
Maximum excess
Cancellation fees
Pay extra for no excess
Luggage and personal effects
Additional accomodation & travel
Emergency companion
Resumption of journey
Hospital cash allowance
Accidental death
Permanent disability
Loss of income
Credit Card fraud and replacement
Travellers cheques
Travel documents
Rental vehicle excess
Alternative travel expenses
Personal liability
Pre existing conditions
Cardiovascular disease
Mental health illness
High cholesterol
High blood pressure
Blood thinning medication
Activities covered
Bungee jumping
Conservation work
Mountain biking
Mountaineering
Rock climbing
Scuba diving
Snow sports
Ocean Cruise
Assessment required, may cost extra
Basic Multi-Trip
Comprehensive.
Choose $0 to unlimited
Comprehensive Multi-Trip
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
What optional extras does Australia Post’s travel insurance offer?
Australia Post’s international travel insurance offers a number of add-ons. With both the basic and comprehensive cover you can choose your excess, choose between single or multi-trip cover, and choose to add cover for existing medical conditions.
With the comprehensive international cover, you can also choose to increase your single-item limit for personal effects cover and increase your rental car excess cover.
If you want to tailor your cover a little more, you can also add cover for winter sports, cruises, or add cover if you plan to ride a motorcycle or moped while travelling.
What pre-existing conditions does Australia Post travel insurance cover?
Australia Post offers cover for some pre-existing conditions automatically subject to the criteria defined in the PDS. For others conditions a medical assessment is required and if cover is approved, an additional premium may need to be paid.
It is also important to note that even if there is some cover provided for certain existing medical conditions, sub-limits and other conditions may apply. Read the full product disclosure statement (PDS) to see exactly how Australia Post defines medical conditions and what terms, conditions and sub-limits apply.
Is there a cooling-off period with Australia Post’s travel insurance?
Yes, Australia Post’s travel insurance policies come with a 21-day cooling-off period. This means that if your trip has not started and you have not made a claim on your policy or intend to make a claim on your policy, you may be able to get a full refund if you cancel within 21 days of purchasing it.
Does Australia Post’s travel insurance cover COVID-19?
Australia Post Travel Insurance includes some COVID-19 benefits, this includes emergency medical expenses coverage on its International plans. Read up on the PDS for the full terms and conditions.
How to make a travel insurance claim with Australia Post?
You can lodge a travel insurance claim with Australia Post either online via the website, or by post. If it’s an emergency, you can also call Australia Post’s travel emergency assistance provider 24/7.
To make your claim you will need to have some information handy, including medical or dental reports, police reports, reports from the airline or transport provider, reports confirming lost or stolen luggage, as well as relevant receipts or invoices.
Is there a time limit to submit a travel insurance claim with Australia Post?
Yes, travel insurance claims must be submitted as soon as possible and within 60 days of the return date listed on your policy. If you’re waiting on supporting documents, Australia Post recommends submitting your claim anyway, as you can always update your claim with supporting documents at a later stage.
Once submitted, Australia Post will aim to process your claim within 10 business days.
Australia Post customer reviews
The Mozo community has rated Australia Post travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.
Australia Post travel insurance
Overall 7.6
Value for money
Policy coverage
Customer service
Claims handling
Recent Australia Post travel insurance customer reviews Recent Australia Post travel insurance customer reviews
Australia Post Travel Insurance review
Overall rating 1 / 10
Would not issue refund for cancelled flights
Our departing flight was cancelled 5 minutes after we received our boarding passes and the airline had no other flights to get us onto. In a mad desperation we booked flights with another airline so we did not miss our connecting flights and left...
Full review
Our departing flight was cancelled 5 minutes after we received our boarding passes and the airline had no other flights to get us onto. In a mad desperation we booked flights with another airline so we did not miss our connecting flights and left us out of pocket. These cost us more than the flights that were cancelled. Aus post would not offer any reimbursement what so ever. What's the point of travel insurance?
Value for money 1 / 10
Policy coverage 1 / 10
Customer service 1 / 10
Claims handling 1 / 10
Trust 1 / 10
Jb, Tasmania, reviewed 4 days ago
Disaster, Left in agony without treatment for week
tortured with broken leg due to refusel of immediate treatmentleft with broken leg, no pain killers no cast for 2 weeks as they wanted to send me home for treatment to avoid paining medical in America. While waiting 2 weeks for them to organize my...
tortured with broken leg due to refusel of immediate treatmentleft with broken leg, no pain killers no cast for 2 weeks as they wanted to send me home for treatment to avoid paining medical in America. While waiting 2 weeks for them to organize my trip back to Australia I was left humiliated and in agony, having to crawl on my hands and knees even just to got to the toilet, then if I made it there it was often too late by the time I had to maneuver myself up and on to the toilet. I was unable to obtain a drink or a proper meal as I had no was of carrying it back. Partially approved with transport to Australia, still waiting on claim from airport transport to home. Finally received my travel cost to get home from airport after 10 weeks of numerous submissions
Value for money 7 / 10
Policy coverage 8 / 10
Customer service 2 / 10
Claims handling 3 / 10
Vivienne, Victoria, reviewed 5 months ago
Overall rating 10 / 10
i have assistanss in commenwelth bank so i'm happy
Thank you I know insurance very importent to us so i'm happy .
Thank you I know insurance very importent to us so i'm happy .
Value for money 10 / 10
Indrajeyaluxmy, New South Wales, reviewed 10 months ago
Bad service, never again
They don’t take care of their claims as they commit Ed to ( 10 days) it’s been over 35 days since we send the claim and every time we call they say they will call us back in 3-5 days but never call back. Such a disappointment from such a big...
They don’t take care of their claims as they commit Ed to ( 10 days) it’s been over 35 days since we send the claim and every time we call they say they will call us back in 3-5 days but never call back. Such a disappointment from such a big service provider
Jacob, Queensland, reviewed almost 2 years ago
Australia Post Home Contents Insurance review
Overall rating 7 / 10
amazing place all items have tracings
Amazing place all items have tracking so you can see where your parcel is and nice workers.
Value for money 9 / 10
Customer service 8 / 10
Claims handling 6 / 10
Trust 6 / 10
Mietta, Victoria, reviewed almost 3 years ago
Compare Australia Post travel insurance policies with other Australian insurance companies
Ready to jet set off overseas? Don’t be too hasty. Before you go, it’s well worth taking the time to compare the travel insurance options available to you, so you can find a policy that suits your budget, travel style and destination. There are a tonne of affordable, flexible options on the market, so do yourself a favour and compare them all with Mozo’s travel insurance comparison tool . Just plug in your travel dates, who will be travelling and where you’re going and we’ll do the rest! You can easily compare 237 travel insurance policies and choose the one that’s right for you.
While you’re there, hop across to our travel hub for heaps of great articles, tips and tricks on how to travel smart and save money. Be sure to drop by our Best $20 I’ve ever spent series for some tips from genuine globetrotters!
Compare Travel Insurance from major brands including:
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.
We do not compare all brands in the market, or all products offered by all brands. At times certain brands or products may not be available or offered to you. If you proceed with a travel insurance policy through Mozo, Mozo may receive a referral fee.
Australia Post
Australia Post Travel Insurance can help protect you from the unexpected, whether you're travelling the world or closer to home. They have four different levels of cover to choose from. Policies are available to those under 85. Dependants travel for free with parent or grandparent. Underwritten by Zurich Australian Insurance Limited.
Overall Rating
Verified Review
I highly recommend the service of wizard harry scam funds recovery
Worth it for peace of mind, i was robbed...buyer beware of exclusions.
How many people can I include in my policy?
Am I covered if I go on a cruise?
Can I pay to reduce or cancel my excess?
What additional extras are there?
Am I covered if my tour company collapses?
I'm not an Australian resident- can I buy cover?
What size moped or motorbike am I covered to ride overseas?
How long is their single trip cover for?
Can I extend my policy from overseas?
Do they cover for my rental vehicle excess?
What is their cooling off period?
Who underwrites them?
Let's connect:
Rated 4 stars on:
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. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.
CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590. 332 Kent Street, Sydney, NSW 2000 Australia.
The best travel insurance – 3,000 policies analysed (seriously…!)
It wasn't our idea of fun, but now your trip can be..
- Get an online quote in just a few minutes
- Free cover for dependent kids, under 21 travelling with you
- Optional add-on cover for your valuables
- Health members get 15% off
- Cheaper than average
- COVID cancellation
- Covers children up to age 25
- Kids travel for free
- COVID cover included
- Claim up to $5,000 for COVID cancellations
- Claim up to $50,000 for cancellation costs
- $7,500 rental car excess cover
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, travel insurance deals for september 2024, best travel insurance faqs.
Destinations
Add kids under the age of 1 by typing a “0” 0 traveller(s)
Include travel deals and helpful personal finance content from Finder
By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service
Did the CrowdStrike outage affect your holiday?
The global IT outage caused by CrowdStrike's glitch caused chaos at airports and ruined or delayed many people's travel plans.
We spoke to some of Australia's leading travel insurers to see what's covered and what's not. Read on to see what you may be able to claim for.
Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards , customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.
Show summary
- Great for value: Southern Cross Travel Insurance
- Great for COVID cover: Medibank travel insurance
- Great for families: World2Cover
- Great for domestic travel: InsureandGo
Insurance plans analysed
PDS features analysed
Recent travelers surveyed
2.6 million
Quotes served since 2014
See how this score is calculated
Pros and cons
- It's affordable compared to other popular insurers including Cover-More and Allianz.
- Its PDS is much easier to understand compared to the other 28 other international policies we looked at.
- High customer ratings on Finder (4.16/5) and other popular review websites such as product review (4.7).
- Our awards data suggests Fast Cover and Medibank tend to be slightly cheaper.
- Customers rated Tick more highly in the Finder Customer Satisfaction Awards.
- $2,500 cap on cancellations is low and risky for expensive trips. For example, it's unlimited with Fast Cover.
How Southern Cross Travel Insurance compares
*Example quote based on a single 40-year-old travelling to Bali for 2 weeks. Comprehensive policies. Data collected in October 2023.
Why we picked it
SCTI has one of the best claims experiences and an easy-to-read PDS. It's not just us that thinks so. It earned a finalist spot for General Insurance Claims Team of the Year at The International Travel & Health Insurance Journal Awards and won the Best Plain English Legal Document at the most recent Plain Language Awards.
SCTI also received a mere 3 complaints to the Australian Financial Complaints Authority (AFCA) in the latest period. By comparison, Mitsui, which underwrites insurers including InsureandGo, received 47. Very large insurers such as Zurich and AWP (Allianz) received 325 and 95.
It's also consistently good value. On average, it's one of cheapest comprehensive travel insurers, according to our 2023 Finder Awards research. Out of 28 policies, only Fast Cover and Medibank were marginally cheaper.
The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays , Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.
- $10,000 cap for COVID cancellation costs and unlimited medical expenses.
- It's cheap – $233 less than average, according to 300+ quotes we gathered.
- 15% discount for health members (making it the cheapest out of 28 policies).
- ahm and Travel Insurance Saver also cover up to $10,000 for cancellations.
- Only Medibank and ahm health members can access discount.
- $15,000 cap for luggage. SCTI and Cover-More have a $25,000 cap.
How Medibank Travel Insurance compares
Out of 19 comprehensive travel insurance policies, Medibank was one of three to come with a $10,000 cap on COVID related cancellations. ahm and Travel Insurance Saver also cover COVID related cancellations. However, Medibank has a higher Finder Score.
Additionally, our research showed a Medibank international policy cost $353 on average for a 2-week trip overseas. That's $233 cheaper than average, according to our research of 28 policies. It's even cheaper if you're a Medibank or ahm member. It could knock $53 off a $353 policy.
World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.
- Can cover kids up to the age of 25
- Up to $3,500 Covid cancellation cover per person – that's more than SCTI and Cover-More
- Unlimited cancellation cover
- Its underwriter received 43 complaints to AFCA – 21 more than Chubb and 40 more than SCTI (similar sized insurers)
- $5,000 rental car excess is lower than some e.g. Southern Cross ($10,000) and Allianz ($6,000)
How World2Cover Travel Insurance compares
*Example quote based on two 40-year-olds travelling to Bali for 2 weeks with 3 children aged 14, 12 and 7. Comprehensive policies selected. Data collected in October 2023.
Out of 20 travel insurers, World2Cover was one of the only brands to cover children up to the age of 25. It also doesn't have a limit on how many dependents can travel for free. Allianz can also cover kids on a family policy. However, it typically cost more in our research.
- It's very cheap. Out of 23 insurers, it's $180+ less than average.
- Get 10% off your travel insurance policy, using the code Finder10.
- Up to $7,500 towards car rental excess cover. That's $2,500 better than most.
- We found its PDS can be confusing and hard to understand.
- Cover-More, Fast Cover and SCTI also offer reasonably priced domestic policies.
- You absolutely need to read the PDS beforehand. There are lots of conditions attached to every benefit.
How InsureandGo Travel Insurance compares
*Example quote based on a single 40-year-old travelling in Australia for 1 week. All are domestic policies. Data collected in October 2023.
It's competitively-priced and won Finder's 2023 Best Domestic Travel Insurance Award. We looked at 23 domestic travel insurance policies as part of the awards and scored the same 14 features for every policy. These benefits included COVID rearrangement costs, theft or damage to luggage and rental car excess cover.
InsureandGo scored highly for a number of benefits including rental car excess cover, COVID cover, cancellation cover and luggage cover. You get up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs and $7,500 for rental car excess cover.
Similarly, it's good if you plan to rent a car while you're away. InsureandGo's top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident. The average is $5,000. This sometimes isn't enough to cover the excess rental car companies charge.
It is also cheaper on average. Overall, it ranked in first place.
Top 5 policies in travel insurance – domestic
- InsureandGo Gold Domestic
- Australia Post Domestic Travel Insurance
- Cover-More Domestic Comprehensive Travel Insurance
- NRMA Domestic Comprehensive Travel Insurance
- Southern Cross Domestic Travel Insurance
Its main drawback is its Product Disclosure Statement which contains lots of conditions and could leave room for instances where you won't be covered. For example, it can cover cancelling your trip before departure but only for a specific number of reasons. These include: " your unforeseeable death, injury or illness; you have to go to court to be a witness or be on a jury (but not as an expert witness); there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle (This only applies to self-drive holidays). "
Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.
Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics . That's an annual increase of 500,000+ people.
To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.
Save 10% on InsureandGo policies with Finder
Protect your trip with Qantas Travel Insurance
Get 12% off Kogan travel insurance policies
Get 10% off on Tick travel insurance policies
ahm and Medibank members get 10% off travel insurance
Earn Velocity Points with Cover-More
Get 8% off your Wise and Silent policy
15% off travel insurance for Medibank Private members
Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.
Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.
Their insurer, Southern Cross Travel Insurance , covered just under $3,000 in costs . The family paid a $500 excess to claim on 2 events.
Get a free travel insurance quote
Why you can trust Finder's travel insurance experts
What's the best type of travel insurance?
There are two main levels of travel insurance; basic and comprehensive. A basic travel insurance policy can cover you for health and medical emergencies. A comprehensive policy can cover your possessions too as well as other things like cancellation.
What's the best travel insurance with COVID cover?
Most policies will include some level of COVID cover so what's best can depend on how much you've spent on your trip. For example, many policies include COVID cover for up to $5,000. If your trip is costing you $9,000 then this might not be good enough for you. We've found higher limits with Medbank; here you're covered for up to $10,000 if your trip is cancelled due to COVID related reasons.
How far in advance should I buy travel insurance?
It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.
Is it best to get a single trip or annual policy?
Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip ( annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).
Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.
But be aware, annual plans have been a little harder to come by since the pandemic.
What's considered a pre-existing condition for travel insurance?
Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.
What's the best travel insurance for Bali?
There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.
What's the best travel insurance for the US?
The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:
- Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
- Resumption of journey. This can help pay you to get home if you're very sick.
Gary Ross Hunter
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
- Health, home, life, car, pet and travel insurance
- Managing the cost of living
More guides on Finder
Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
Planning a holiday is a lot of fun, but what happens when something goes wrong and your plans are thrown into disarray?
Qantas Travel Insurance offers various cover choices with the added benefit of travel points rewards for spending money on insurance when booking flights through Qantas.
If you've booked a Contiki trip, don't forget to pack travel insurance. Meet tour requirements and get protection against travel risks.
If you plan to hire a car on your holiday, beware of car hire excess charges if you get into an accident. Travel insurance can protect you for this charge up to $6,000.
Lost your wallet? Did someone steal your brand new laptop overseas? Find out how much you will really get back for lost and stolen items.
Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.
Compare Westpac Travel Insurance, see features, and more.
Read the 1Cover Travel Insurance review and compare policy options available. Access discounts to help you save even further on cover.
Important information about this website
Advertiser disclosure.
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
How we make money
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .
Sorting and Ranking Products
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Terms of Service and Privacy Policy
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Learn how we maintain accuracy on our site.
- Join CHOICE
Travel insurance
International travel insurance comparison
Buy smarter with choice membership.
Or Learn more
Reviews and ratings you can trust
Based on intensive lab testing across 200+ product and service categories.
Easy side-by-side comparison
Sort, compare and filter to find the right product to match your needs.
Find the best product for you
Our expert advice outlines the best brands and ones to avoid.
Fact-checked
Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .
If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.
Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.
Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.
List of brands we tested in this review.
- Battleface 2
- Cover-More 5
- FastCover 4
- Flight Centre 4
- Go Insurance 4
- InsureandGo 3
- Southern Cross Travel Insurance (SCTI) 3
- Tick Travel Insurance 4
- Travel Insurance Direct 3
- Virgin Australia 5
- WAS Insurance 2
- World Nomads 2
- World2Cover 4
The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.
enter value/s in increments of 1 between 0 and 0
Policy type
- One trip 65
- Policy age limit
In years (up to and including the number stated). For policies listed as '100+', there is no age limit.
Does the policy cover international cruises?
- Optional 71
Medical expenses for COVID-19
Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.
Cancellation expenses for mental health
Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.
- Cancellation for insolvency of a travel services provider
Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.
Cancellation expenses for a natural disaster
Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.
Cancellation expenses for civil unrest
Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.
- Baggage cover
Are stolen or damaged personal belongings covered
- Limit for baggage expenses
The overall limit for stolen or damaged personal belongings.
- Limit for a smartphone
Limit for a smartphone. Cover is assessed on individual circumstances.
- Limit for a laptop or tablet
Limit for a laptop or tablet. Cover is assessed on individual circumstances.
- Limit for rental car excess
Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.
- Scuba diving
Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?
Skiing and snowboarding on-piste
Does the policy cover skiing and snowboarding on-piste?
- Optional 82
Skiing and snowboarding off-piste
Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?
- Optional 72
Tobogganing
Does the policy cover tobogganing on snow?
- Optional 50
Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license
- Optional 32
Moped 125cc
Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license
- Optional 28
Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?
- Optional 34
Included in this comparison
- Price rating
- Dependant age limit
- Cancellation
- Pregnancy stage covered
- Childbirth costs
- Pre-existing conditions covered without application
- Pre-existing conditions covered on application
- Time period for existing conditions
- Medical expenses
- Expenses for a person to accompany a sick policyholder
- Daily hospital cash allowance
- Hours of hospitalisation before receiving allowance
- Dental expenses for accident or injury
- Dental expenses for acute pain
- Overseas funeral costs
- Additional travel expenses for injury or sickness
- Additional expenses for interrupted travel
- Travel insurance extension for a delayed trip
- Additional expenses for a lost passport
- Additional expenses for a sick relative
- Additional expenses for resumption of journey interrupted for a relative
- Cancellation covered
- Cancellation expenses
- Cancellation for frequent flyer points
- Cancellation expenses for travel agent fees
- Cancellation for insolvency of a travel agent
- Cancellation expenses for redundancy
- Cancellation expenses for defence and emergency workers
- Cancellation expenses for cancellation of work leave
- Cover for transport incidents
- Cover for strikes
- Cover for mental health
- Cover for COVID-19
- Cover for pandemics
- Cover for natural disasters
- Cover for civil unrest
- Cover for terrorism
- Cover for war
- Additional expenses for a special event
- Additional expenses for pre-paid travel arrangements
- Limit for travel delay expenses
- Hours before travel delay covered
- Limit per 24 hours for travel delay
- Limit for a single unspecified item
- Limit for a video or photo camera
- Limit for prescribed medications
- Overall limit for specified items
- Cover for baggage in a car during the day
- Cover for baggage in a car overnight
- Cover for valuables in a car
- Cover for lost or stolen cash
- Limit for baggage lost temporarily
- Hours before cover applies for baggage lost temporarily
- Rental car excess
- Snow sports
- Mopeds and motorcycles
- Bungee jumping
- Horse riding
- High altitude hiking
- White water rafting
- Paragliding
- Hot air ballooning
- Hang gliding
Displaying all 91 products
- Brand (A-Z)
Limit for additional meal and accommodation expenses if scheduled transport is delayed.
Your filters
This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.
1Cover Comprehensive
1Cover Frequent Traveller
1Cover Medical Only
AANT Annual Multi-Trip
AANT Basics
AANT Essentials
AANT Premium
AHM Comprehensive
AHM Comprehensive Multi-Trip
AHM Medical Only
Battleface Covid Essentials
Battleface Discovery
Cover-More Basic
Cover-More Comprehensive
Cover-More Comprehensive Multi-Trip
Cover-More Comprehensive Plus
Cover-More Comprehensive Plus Multi-Trip
FastCover Basics
FastCover Comprehensive
FastCover Frequent Traveller Saver
FastCover Standard Saver
Flight Centre Multi-Trip YourCover Essentials
Flight Centre Multi-Trip YourCover Plus
Flight Centre YourCover Essentials
Flight Centre YourCover Plus
Go Insurance Go Basic
Go Insurance Go Basic Annual Multi-Trip
Go Insurance Go Plus
Go Insurance Go Plus Annual Multi-Trip
InsureandGo Bare Essentials
InsureandGo Gold
InsureandGo Silver
Jetstar Comprehensive
Medibank Comprehensive
Medibank Medical Only
Medibank Multi-Trip Comprehensive
NIB Annual Multi-Trip
NIB Comprehensive
NIB Essentials
NRMA Comprehensive
NRMA Comprehensive Multi-Trip
NRMA Essentials
Qantas Annual Multi-Trip
Qantas International Comprehensive
RAA Essentials
RAA Multi-Trip
RAA Premium
RAC Annual Multi-Trip
RAC Comprehensive
RAC Essentials
RAC Medical Only
RACQ Annual Multi-Trip
RACQ Premium
RACQ Standard
RACT Annual Multi-Trip
RACT Comprehensive
RACT Essentials
RACV Annual Multi-Trip
RACV Basics
RACV Comprehensive
RACV Essentials
Southern Cross Travel Insurance (SCTI) Annual Multi-Trip
Southern Cross Travel Insurance (SCTI) Comprehensive
Southern Cross Travel Insurance (SCTI) Medical Only
Tick Travel Insurance Basic
Tick Travel Insurance Budget
Tick Travel Insurance Standard
Tick Travel Insurance Top
Travel Insurance Direct Annual Multi-Trip
Travel Insurance Direct Basics
Travel Insurance Direct The Works
Virgin Australia International Plan (bought with flight purchase)
Virgin Australia Travel Safe International
Virgin Australia Travel Safe International Multi-Trip
Virgin Australia Travel Safe Plus International
Virgin Australia Travel Safe Plus International Multi-Trip
WAS Insurance Covid Essentials
WAS Insurance Discovery
Webjet Travel Safe International
Webjet Travel Safe International Multi-Trip
Webjet Travel Safe Plus International
Webjet Travel Safe Plus International Multi-Trip
World Nomads Explorer
World Nomads Standard
World2Cover Annual Multi-Trip
World2Cover Basics
World2Cover Essentials
World2Cover Top
- Insurance provider
COMMENTS
There are four different types of travel insurance covered by Australia Post, which has an average ranking of 3.2 stars out of 5 from 139 reviews on Product Review. Australia Post's travel ...
Compare travel insurance plans to find the right cover. Choose from Comprehensive International, Basic International, and Domestic policies. ... 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 ...
Here are just a few stories from people who choose to travel with Australia Post Travel Insurance. The McLeary family A 3-year-old with an ear infection is a challenge at the best of times. Even more so the day before a flight back home from Bali. ... I thought overall they were very good." - Robert Cameron. Katherine When gastro and heatstroke ...
This well-known brand offers a strong rate of up to $5,000,000 for personal liability cover. This was only matched by 12 of the insurance companies we reviewed. Australia Post Travel Insurance ...
In our role as a consumer advocate, CHOICE may publish opinions of the general insurance market, with the intention of improving general insurance for Australian consumers. In addition, ACA Insight Pty Ltd (AFSL 550139) (ACA Insight), owned by CHOICE, provides any general advice on general insurance products.
The good news is that under Tick Travel Insurance's Top Plan, you will be covered for covid-related cancellations, medical expenses or trip disruptions when overseas. ... Australia Post's ...
Customer service. 6.2/10. Claims handling. 6.5/10. Trust. 7.8/10. Based on 83 Australia Post travel insurance reviews as rated by the Mozo customers. More about the Mozo Customer Ratings. Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Australia Post itself has been offering insurance for nearly a decade. Its travel insurance policies are underwritten by Zurich Australian Insurance Limited. Cover information and limits in the table below verified as correct at 8 August 2024. Other information correct at the time of writing.
Aus Post shonky travel insurance As expected from a travel insurance company, they will find any reason to not pay a claim. Provided medical certificates, Doctors reports and expenses from a trip to Bali June 2024. Made a claim to be told your excess is more than the claim amount. Please read our super fine print to understand this. Show details
Australia Post Travel Insurance can help protect you from the unexpected, whether you're travelling the world or closer to home. They have four different levels of cover to choose from. Policies are available to those under 85. Dependants travel for free with parent or grandparent. Underwritten by Zurich Australian Insurance Limited.
See all Australia Post Travel Insurance reviews. Southern Cross Travel Insurance 4.7. RentalCover.com 4.6. Fast Cover Travel Insurance 4.6. Seniors Travel Insurance 4.6. Worldcare Travel Insurance 4.4. 1Cover Travel Insurance 4.3. TID Travel Insurance Direct 4.2. PassportCard.com.au 4.4.
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 ...
When travelling with kids, choose a travel insurance policy that gives you the right level of cover for the entire family. The good news is that kids are covered for free 1 with all Australia Post Travel Insurance plans. As long as your children or grandchildren are travelling with you, are under 21 years of age and are not working full time ...
Travel insurance All good so far. We have been with them for over three years. ... Aus Post shonky travel insurance As expected from a travel insurance company, they will find any reason to not pay a claim. Provided medical certificates, Doctors reports and expenses from a trip to Bali June 2024. ... Already Overseas: coverage if you've already ...
Great value Travel Insurance with Australia Post. We have different plans to suit your travel needs. Get a quote. 24/7 Assistance. COVID-19 Benefits. Travel Alerts. Get affordable travel insurance from a brand you can trust. Compare our Australia and world travel policies - with 24/7 support. Get a quick quote now.
I've used Australia post travel insurance for my last few cruises.I haven't had to do a claim with them but if you have a look at the "Canstar" ratings they rate really well. The underwriter is Greatlakes which also underwrites the RACV travel insurance which incidentally does not rate that well despite being underwritten by the same company.
Travel Insurance with Australia Post. 10 years ago. Hi Everyone, Myself and 5 girlfriends are spending 7 weeks in USA leaving June and we are having trouble finding travel insurance that isn't through the roof cost wise. Australia Post will cover 5 of us (number 6 isn't an Aust citizen) for approx $87.00 per person for the entire trip.
It may be a good idea to consider a policy backed by a global insurer, Zurich, through the travel insurance provided by Australia Post. ... 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 ...
Find the best product for you. If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.
Aus Post shonky travel insurance As expected from a travel insurance company, they will find any reason to not pay a claim. Provided medical certificates, Doctors reports and expenses from a trip to Bali June 2024. Made a claim to be told your excess is more than the claim amount. Please read our super fine print to understand this. Show details
Save time and money with our Annual Multi-Trip Travel Insurance policy. Get an online quote now. ... 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 ...
Australia Post Travel Platinum Mastercard® - Prepaid travel money card. Back to Organise travel money ... 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 ...