Which is the best travel insurance policy for me?

Information verified correct on January 21st, 2015

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You've come through to this page so chances are you're asking yourself, "What is the best travel insurance policy?" That is a hard question to answer because everybody's needs are different. Your idea of the best policy may the best value for money travel insurance. While someone else might be more interested in the best travel insurance for pre-existing conditions, which are the top rated insurance companies or which company offers the best ski insurance.

This article provides tips on how you can find the best travel insurance deal. Think you're ready to find a policy now? Fill out the travel form below and compare policies from our panel of providers. Need more time? Keep reading our tips for finding the best Australian travel insurance.

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We compare these trusted insurers and more

Who is the best travel insurance company in Australia?

This is a very difficult question to answer, mainly because what is best for one person is not necessarily a good travel insurance option for the next. However, each year many insurers receive awards and accolades. There are various travel insurance awards out there but it can be hard to decide which ones are a true reflection of the cover and which are driven by product promotion. Each year Choice Magazine have their Choice buys, which are an independent consumer review of the pros and cons of various policies.

Award winning cover

Top rated annual travel insurance

Good2Go Frequent Traveller. Good2Go Frequent Traveller insurance was the top rated policy, providing policyholders with one of the best ratings for baggage, cancellation and medical cover. The policy also had the cheapest average premiums.

Top rated comprehensive travel insurance

Good2Go The Works. For the third year in a row, the Good2Go The Works policy made it onto the list of best value travel insurance policies. Just like the Frequent Traveller policy, The Works ranked at the top of the list for baggage, cancellation and medical cover and had lower average premium costs.

Top rated budget travel insurance

Travel Insuranz Classic. Travel Insuranz Classic rated highly for the features it provided when compared with other budget policies. It was also the cheapest policy in this group.

Top rated seniors travel insurance

APIA Comprehensive. APIA is a specialised travel insurance provider for over 50s and provides no age limit policys and cover for pre-existing conditions.

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Who's popular with our users?

Finding the best policy is not easy. We at finder.com.au try everyday to provide you with the most accurate information to help you make that decision. One way we have done this is by showing you what the most popular policies that are chosen by our users (You!). While this is not indicative of the quality of the product and is by no means a recommendation, it may be helpful for you to see what providers ours users have selected. Below are two tables. One displays the top ten most popular providers with our users and the other displays the top ten most popular providers for senior travellers.

Top ten most popular providers overall

Provider Product Product Details Apply
InsureandGo Gold Single trip
  • Unlimited cancellation cover
  • Unlimited medical expenses cover
  • $5,000,000 personal liability cover
  • $8,000 luggage cover
Get quoteMore info
1Cover Comprehensive Single Trip
  • Unlimited overseas medical expenses cover
  • $50,000 additional accommodation and travel expenses
  • Unlimited cancellation fees and lost deposits cover
  • $5,000 luggage and personal effects cover
Get quoteMore info
Virgin Money International Comprehensive
  • 24 hr emergency assistance
  • Unlimited overseas emergency expenses
  • Up to $7,500 luggage and personal effects cover
  • $3,000 rental vehicle excess cover
Get quoteMore info
Southern Cross Single Trip Policy
  • Unlimited medical and evacuation cover
  • $25,000 luggage cover
  • $5,000 rental vehicle excess cover
  • $50,000 cover for changes to travel plans
Get quoteMore info
Travel Insurance Direct Single Trip International
  • Unlimited Medical Expenses Cover
  • Unlimited Cancellation Costs Cover
  • $12,000 Luggage and Personal Effects Cover
  • Journey does not need to start or end in Australia
Get quoteMore info
Fast Cover Single Trip - Comprehensive
  • Unlimited Cancellation Fees and Lost Deposits Cover
  • Unlimited Overseas Medical Expenses Cover
  • $5,000 Rental Vehicle Excess Cover
  • $5,000,000 Personal Liability Cover
Get quoteMore info
CoverMore Options Single Trip
  • Unlimited overseas medical and dental
  • Unlimited additional expenses cover
  • $12,000 luggage and travel documents cover
  • $2,500,000 personal liability cover
Get quoteMore info
AMEX Travel Insurance Single Trip
  • Unlimited cancellation fees and lost deposits cover
  • 24-hour medical assistance cover
  • Luggage and personal effects cover
  • Rental vehicle excess cover
  • Travel delay expenses cover
Get quoteMore info
Zuji Comprehensive
  • Unlimited cancellation fees and lost deposits
  • Unlimited overseas medical and hospital expenses
  • $5,000 luggage and personal effects cover
  • $1,000 travel delay expenses
Get quoteMore info
AIG One Trip International
  • Unlimited cancellation fees and lost deposits cover
  • Unlimited medical and hospital cover
  • Unlimited emergency expenses cover
  • $15,000 luggage cover
Get quoteMore info

Top ten most popular providers for over 65s

Provider Product Product Details Apply
Fast Cover Single Trip - Comprehensive
  • Unlimited Cancellation Fees and Lost Deposits Cover
  • Unlimited Overseas Medical Expenses Cover
  • $5,000 Rental Vehicle Excess Cover
  • $5,000,000 Personal Liability Cover
Get quoteMore info
Virgin Money International Comprehensive
  • 24 hr emergency assistance
  • Unlimited overseas emergency expenses
  • Up to $7,500 luggage and personal effects cover
  • $3,000 rental vehicle excess cover
Get quoteMore info
CoverMore Options Single Trip
  • Unlimited overseas medical and dental
  • Unlimited additional expenses cover
  • $12,000 luggage and travel documents cover
  • $2,500,000 personal liability cover
Get quoteMore info
Travel Insurance Direct Single Trip International
  • Unlimited Medical Expenses Cover
  • Unlimited Cancellation Costs Cover
  • $12,000 Luggage and Personal Effects Cover
  • Journey does not need to start or end in Australia
Get quoteMore info
AIG Mature Age
  • Premium savings of up to 20% available
  • Cover for +70 travellers
  • Up to $8,000 in luggage cover
  • Car rental excess cover up to $6,000
  • Cover for cancellation fees and lost deposits
Get quoteMore info
1Cover Comprehensive Single Trip
  • Unlimited overseas medical expenses cover
  • $50,000 additional accommodation and travel expenses
  • Unlimited cancellation fees and lost deposits cover
  • $5,000 luggage and personal effects cover
Get quoteMore info
Zuji Comprehensive
  • Unlimited cancellation fees and lost deposits
  • Unlimited overseas medical and hospital expenses
  • $5,000 luggage and personal effects cover
  • $1,000 travel delay expenses
Get quoteMore info
Southern Cross Single Trip Policy
  • Unlimited medical and evacuation cover
  • $25,000 luggage cover
  • $5,000 rental vehicle excess cover
  • $50,000 cover for changes to travel plans
Get quoteMore info
Go Insurance Go Plus Single Trip Cover
  • Up to $25,000 in cancellation cover
  • Up to $10,000,000 in medical cover
  • $10,000 in personal property cover
  • $5,000,000 in personal liability cover
Get quoteMore info
InsureandGo Seniors
  • Cover for all seniors aged 60-100 years
  • Unlimited cancellation with gold policy
  • Cover for 90 sports and activities
  • Cover for up to $8,000 in belongings
Get quoteMore info

How do I choose a travel insurance policy? What should I be looking for?

It's quite common for people to go with the first policy they see, whether it is because it offers a cheapest premium or because they just can't be bothered to keep looking. If you're reading this page, then this isn't you. You're after the best policy for you. Knowing what you're after can be the difference between getting a good travel insurance and getting the best travel insurance policy. This section provides key insights into the important aspects of policies to review before reaching for your wallet.

  • How important is price when choosing a policy? While price should never be your sole consideration for what policy to choose, it is important to ensure what you are paying reflects the quality of the cover: the best value. It is also critical to review how much you have to pay in excess for a claim. Cheap policies often have a higher claims excess.
  • Have you read the benefits and exclusions section? Have a clear understanding of the benefits and exclusions on each policy to avoid any surprises in the event that you need to make a claim.
  • Does the insurer cover pre-existing medical conditions? Each insurer has different policies about how it treats pre-existing medical conditions. The product disclosure statement should clearly display what is and isn't covered. In the event that your condition is not covered you may need to contact the insurer to discuss other options.
  • How long is the cooling-off period? Most policies offer a cooling-off period of 14 days where you can cancel the policy if you are not satisfied with the cover and receive a full refund.
  • Does the insurer impose sub-limits on expensive items? Many policies allow you to register high-value items for additional cover. It is crucial that you learn if there is a sub-limit for each item. As an example, you may have $10,000 in cover for high value items but a claim limit of $1,500 per item.
  • Are you required to provide proof of purchase? Most insurers require you provide proof of purchase for any high-value items that you are claiming. This may include photos, receipts or other documentation.
  • Does the insurer offer 24 hour emergency assistance? Possibly the most important benefit to ensure you have on an international policy is the availability of 24 hour support if you are seriously injured or become ill in a foreign country.
  • Are you able to take out family cover? Most policies allow you to include your spouse, children or grandchildren on your policy provided they are travelling with you for the duration of the journey.
  • Is there a group cover option? Many providers now allow travelling groups to take out the same cover for their trip to give a multi-policy discount and to save time. It is worth finding out what exclusions may apply under a group policy.
  • Does the insurer apply depreciation to the of value of personal items? Most providers account for depreciation when reviewing claims for lost or damaged luggage and other valuables. Review in your policy the conditions of depreciation.
  • Can you reduce or remove the excess? Most policies allow you to pay a small fee to remove any excess that is payable in the event of a claim. This fee is usually around $25 dollars and might be worth considering during application.
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Which is the right travel insurer for me? Choosing the right benefits

Finding the best insurance for your trip isn't just a matter of finding a policy suitable to your needs but also finding an insurer that you feel secure with. Here are some factors to consider when asking yourself, "Who is the best travel insurance company in Australia?"

  • Are they a trusted provider? While it may not be the be all and end all when comparing different options, taking out cover with an established brand that is recognised industry-wide is usually a safer bet than applying for cover with someone you have never even heard of.
  • Do they offer a range of products? Being restricted in the policy options available to you may lead you to take out cover that is not as closely tailored to your needs as other options. This is especially the case if you are seeking cover for adventure sports or if you are a senior traveller.
  • How easy are they to get in contact with? It is crucial that your insurance provider is able to be contacted 24 hours a day, anywhere in the world.
  • Do they have a simple claims process? It is worth reviewing what will be required in the event of a claim to be sure that you have the necessary documentation while you are travelling and that there are no delays in your claim payment.
  • Do they provide secure transactions? If you are purchasing your cover online, its worth reviewing the privacy disclosure on the providers website to have an understanding of how your details will be used and that your card details are secure.
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What should my policy cover?

Some typical benefits to consider when comparing policies include:

  • Does it offer family cover? A family policy is the best travel insurance option for covering all members of your family and saves you the hassle of taking out individual policies. Most policies require dependent children to be under the age of 21 and not engaged in any full-time work. For cover to remain in place other family members listed on the policy must be travelling with the policyholder at all times.
  • Can you get 24-hour emergency assistance? This type of cover gives you protection 24 hours a day. This cover will often include cover for ambulance fees, funeral arrangements and messages to family.
  • Are overseas hospital expenses covered? Make sure your policy has a high limit for emergency medical and dental, the best value travel insurance policies normally make this one of the focal points of their cover.
  • Are travel delays covered? Some policies provide cover if you're flight is delayed for more than 12 hours.
  • Is dental covered? Some policies provide cover for dental expenses if you experience acute pain while travelling.
  • Are you covered for additional accommodation and travel costs? This option covers reasonable accommodation and travel expenses if you are unable to travel due to sickness or injury.
  • What if there's a family emergency? Family emergency covers additional expenses to cover travelling and accommodation expenses if your partner or travelling companion becomes seriously ill or injured.
  • Is there a hospital cash allowance? A hospital cash allowance provides a benefit for a specified number of days if you are required to stay in hospital while overseas.
  • Are you covered for accidental death? This is a lump sum benefit paid for accidental death that occurred on your journey or within the 12-month period following.
  • Is permanent disability covered? If you become permanently disabled, you'll receive a lump sum benefit.
  • What if I suffer a loss of income? If you suffer a loss of income due to an insurable event and are unable to work to your full capacity after returning home, this cover pays a benefit to help you cope with the bills.
  • Am I covered for fraud? Credit card loss and fraud covers the replacement cost following loss and use of your credit card on your journey.
  • What happens if my cash gets stolen? Some policies offer cover for cash stolen from your person.
  • Are my luggage and other personal items covered? Make sure you find a policy that covers for the loss or damage of your personal items while travelling.
  • Am I covered for cancellation? This is one of the most important sections of cover to pay attention to when looking for the best Australian travel insurance, as it covers for cancellation of flights, tours and other prepaid travel costs. Conditions for cancellation vary between insurers so check the fine print.
  • What happens if my trip is interrupted? Some policies cover for reasonable accommodation and meals if your trip is disrupted by events that are outside of your control such as for the death of family member.
  • What if I need to find alternative transport? If you have a special event such as wedding, funeral or conference and you experience a delay with your transport, you will be compensated for additional transport that you have had to take as a result.
  • Am I covered for personal liability? Most policies cover legal liability for any claims made against you following bodily injuries or damage to property. However, be wary of the so-called best value travel insurance policies, as there sometimes offer a lower limit when it comes to liability insurance. 
  • What about my pet if I am delayed on my trip. Check if the policy covers for additional boarding fees for your pet if you are delayed returning home by transport carrier.
  • What happens if because of an injury I cannot perform my normal household duties? Domestic services cover covers you for housekeeping costs following injury on your trip.
  • Is rental vehicle excess covered. Find a policy that covers for excess charged by rental company following crash, damage or theft of your rental vehicle.

It is essential when comparing different policy options to closely review the terms and conditions of each of these benefits. The amount of benefit that will be paid for a claim on these benefits can vary greatly between providers with cheaper policies often having a reduced sum-insured.

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What doesn't my policy cover?

Before deciding on the best travel insurance for you, it is crucial to review the exclusions of the policy.

  • What if I had been drinking when the incident occurred? Insurers exclude claim that were the resulted from you being under the influence of drugs or alcohol.
  • What if I left my bag unattended? Travel insurers consider it negligent if it can be proved you left your property in an unattended hotel or bus stop. You must always show care and concern for your own property to minimise any chance of theft.
  • What if I acted in a risky way? If you act irresponsibly and suffer an injury it is unlikely your claim will be paid.
  • What if I can't find proof that I suffered a loss? Travel insurers will always need proof before any claim can be taken seriously.
  • Failure to observe government warnings or warnings in the mass media. Most policies do not pay out on claims for events that have taken place where there have been warnings against travel. This may include such things as war or civil unrest.
  • Is mental illness covered? Mental illness, depression, anxiety and stress are generally not covered.
  • Are adventure activities covered? It depends. Many insurers exclude your participation in activities such as skiing and require you to buy extra insurance to cover for that activity. Check with your insurer prior to travel.
  • Where other compensation can be claimed. Travel insurance providers will not pay out on claims if you are able to receive support from other insurance or compensation programs. In the event that other support is unable to cover the total loss, the insurer will pay the difference.
  • What if I want to ride a motorbike? If you do not hold an Australian drivers licence you're covered. This is also the case if you are the passenger on a motorcycle that is driven by an unlicensed driver.
  • I contracted a sexually transmitted diseases, am I covered? STDs are not covered under travel insurance policies.
  • What if I have a pre-existing medical condition? Pre-existing medical conditions that are not specified in your policy or that have not been approved by your insurer will not be covered.

These are just some of the exclusions that may feature on your policy. Read up on what is excluded to know you are getting the right cover for your needs.

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How do I make sure I'm getting the most out of my policy?

Travel cover is crucial for ensuring that in the event you suffer a loss overseas that you have the right cover in place so as to minimise your financial loss. This section provides an overview of some key considerations to make when looking for a policy.

Do I already have cover in place?

It's important to consider any other types of cover you already have in place that may be able to provide support in the event of a loss. This may lead you to consider a more affordable, basic level of cover.

  • Home and contents insurance. Many home content insurance policies include a clause looking for the best travel insurancethat insures your personal possessions when you are away from your home.
  • Life insurance. In the event of your death while overseas the proceeds from your life insurance policy can be used to bring your body back home. You may also have permanent disability cover and other types of protection that can be called on to pay any hospitalisation or repatriation costs if you fall ill or become injured while away.
  • Car rental cover. You may already have a comprehensive car insurance policy in place that will cover you for the excess payable in the event that your rental car is crashed, damaged or stolen.

Tripcover - 10% Off your policy

Get 10% OFF your next policy with Tripcover by using this coupon when you take out car rental excess insurance cover.

How much protection am I really getting out of my credit card cover?

Many credit cards provide complementary travel insurance. You have to check the quality of cover and level of benefits these services offer as many of these insurances are often quite basic. The basic cover most of them provide includes travel accident cover, which gives you financial protection should you become seriously injured as a result of an accident. While the premiums may be low, the excess charged is also usually significantly higher and you generally have to pay for all or part of the trip with the card to activate the cover.

But I am already covered under my business travel policy?

It is important that anyone depending on a business travel insurance policy is aware that there are often restrictions placed on these types of specialist policies. Standard business policies don't usually accommodate casual workers or those involved in manual labour but if this is your field of occupation there are specialist business travel insurance policies available to better suit your situation. The benefit of these types of policies is that they will give you special treatment as regard to covering your tools of trade.

Can I still get cover if I am a senior traveller?

Many insurers require senior travellers to take out a specialised policy, often with a premium loading, to account for the additional risk that they present to the insurer. Senior travellers may need to undertake a round of medical underwriting to uncover any risks that they present to the insurer.

I am backpacking and don't know how long and where I will be travelling?

If you are a backpacker it paya to check out any limitations the insurer may place on the length of time you are covered for. Most insurers put a limit of 31 days on a trip and if you are a backpacker who isn't quite sure of how long you'll be staying this could be quite a restrictive option. A way around this is to seek out specialist backpacker, long stay, or gap travel insurance. These policies usually cover you from three to eighteen months across many countries.

Single Trip or Annual Trip Travel Insurance?

Travel insurance can be purchased for a single trip or on an annual basis for regular travellers. It can be cheaper for a person who travels frequently to purchase travel insurance on an annual basis rather than for each individual trip under separate policies. By choosing an annual policy, you can find great savings if you travel more than a couple of times a year. Most policies have a limit on the number of days that a trip can last. It is worth reviewing the maximum number of days that you can be away for each trip as it can vary between 45-90 days depending on your provider.

Can I be covered if I have a pre-existing medical condition?

Having sufficient protection against illness or injury is one of the most important reasons for taking out travel insurance. If you have a pre-existing medical condition you have to inform your insurer of this fact when applying for the cover. If you don't and the condition flares up while away you most certainly won't be covered, in fact you will run the risk of invalidating the whole policy. Many travel insurers will cover you for some pre-existing medical conditions without imposing a loading. Others will impose an extra charge on your premium before they'll agree to cover you.

Do I need basic or comprehensive cover?

Most policies will give you the option to select a basic travel insurance policy or comprehensive cover. Each will offer varying levels of cover with premiums obviously higher for comprehensive cover options. Deciding what option is right for you is a matter of:

  • considering your travel plans and what you actually need to be covered for
  • considering what other forms of insurance or compensation you are entitled to
  • reviewing what excess is payable for claims on basic policies
  • considering your budget. While it is not ideal to base your decision on the premium charged, price may be an important consideration for some buyers
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I still have some question about getting the best Australian travel insurance

Still have questions about finding the best travel insurance? Below are some frequently asked questions relating to travel insurance cover, its benefits, and how to find the most suitable policy.

When you are away from home, you could be at risk of all sorts of issues, from falling victim to theft through to experiencing a medical emergency. Without any protection or coverage in place, you could find yourself in a very difficult position when it comes to the cost of recouping the expenses you incur as a result of the many problems you might face and you could find yourself without any advice or assistance in the event of issues such as needing to get back home early due to illness or being able to get treatment. Travel insurance cover provides protection for situations such as these and far more, which means that you can enjoy travelling with total peace of mind.

Basic travel insurance does not tend to cover specialist needs, such as extreme sports activities, travelling whilst pregnant, pre-existing illnesses, and the like. However, it does usually offers a range of valuable protection in events such as:

  • Medical cover
  • Your luggage and personal effects
  • Airline or travel company issues
  • Cancellations
  • Other possible issues

You may have specialist needs that require more coverage than standard insurance policies can offer. For example, you may need to get cover for certain activities you will be engaged in such as extreme sports, you may be pregnant and need additional coverage, or you may have pre-existing condition that need to be taken into consideration. In order to ensure that your specialist requirements are catered for you will need to check the coverage details of the plans you are considering or even contact the insurance provider you are interested in to clarify whether you can add the additional coverage you need.

If you are going on a cruise, then you will be visiting a number of different countries so you will need to ensure that any travel insurance cover you take out provides cover for all of the destinations that you will be visiting as part of your trip. Not all travel insurance providers will cover cruises, so you will have to do your research and find ones that offer cruise travel insurance. You will then need to make sure that you are covered for all of the places you are visiting, and where applicable, the various activities you will be taking part in. Many insurers do offer Cruise travel insurance policies.

The cost of travel insurance cover can vary widely based on a number of factors, so there is no set answer to this question. However, comparing deals and plans will enable you to try and find the most affordable price for the level of coverage you want. Some of the things that may affect the cost of your travel insurance cover include:

  • The level of coverage you take out
  • The provider you choose to take out your cover with
  • Whether you have any specialist needs when you take out your cover
  • The destination you are travelling to
  • The length of time you are going for
  • Whether you take out single trip, multi-trip, family or group travel insurance cover
  • Your medical history and general health
  • Your age when you travel
  • The type of activities you will be taking part in while you are away

Some travel insurance providers will offer protection for various excursions and day trips that you have planned but this will often depend on the excursion or day trip. You should always check with your specific provider (if it is not made clear in the policy) as to whether you will be covered or not.

The easiest way to find travel insurance cover that is both suited to your needs and affordable is by comparing deals online. You will find plenty of choice available online, which means that you have a better chance of finding cover that is suited to your requirements yet will also fit in with your budget. It is essential to compare travel insurance plans and providers if you want to get the right plan at the right price, as there are so many plans on the market and the cost can vary so widely.

When you take out your travel insurance cover, you will receive your policy documents and your certificate of insurance. This may be sent in a couple of ways depending on how you took out the cover. Some companies will send the documents and certificate by post but many will now send it via email, which means that you can keep it safe and secure on your computer and will have easy access if you misplace or lose your documents.

It is advisable to take out travel insurance cover as soon as you have booked and paid for your trip or when you have paid a deposit. This way you are covered for cancellations of if your travel company or airline goes bust, which means that you can get back your prepaid costs and deposits.

The excess on any insurance policy is the amount that you will have to pay from your own pocket before you receive any payout. So, if your excess is $300 and you claim for $1000, you will only receive $700 because the first $300 comes from your own pocket. If your claim is therefore the same as or less than your excess there is no point making the claim because you will receive nothing. Because of the nature of the excess charge, you will generally find that the higher the excess (the amount you will pay before the claim kicks in) the cheaper the premium will be on the travel insurance plan.

You can get travel insurance cover if you are pregnant but you should bear in mind that there are restrictions and exclusions in place. Many companies will offer insurance if you are 26-30 weeks into your pregnancy but will insist that you travel back no later than eight weeks before your due date due to the risk of premature birth. If you have had complications with pregnancy in the past you may find that you cannot get insurance cover because of the increased risk to the insurance companies. If you are having a multiple pregnancy or have become pregnant through IVF you may have to pay more for your travel insurance cover. If you are travelling when pregnant it is vital that you check the details of any travel insurance cover you are considering very carefully so that you know exactly what you are and are not covered for.

Annual trip policies are only available for a period of 12 months so it is not possible to extend cover beyond this period. Single-trip policies can be extended by contacting your insurer and requesting the necessary policy extension documentation. Single trip policies can be extended provided the cover does not surpass 12 months in total.
These may only be some of the questions you need to ask before applying for your policy. Don't be afraid to contact your insurer prior to purchasing your policy to clarify any details of your policy that you are not clear on.

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Apply for the best travel insurance online

If you are ready to start comparing different policy options for your trip you can follow the secure links on finder.com.au through to our featured providers websites. Policies can be purchased entirely online though we recommend you take the time to read through the product disclosure statement to ensure you know exactly what you are signing up for.

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6 Responses to Which is the best travel insurance policy for me?

  1. Default Gravatar
    Robyn | July 8, 2014

    Why can’t I type in departure date?

    • Staff
      William | July 8, 2014

      Hi Robbie,

      Thank you for your comment. You should be able to select your departure date by clicking on the departure box and selecting from the menu. The form does not currently allow users to type in dates, only select from the box.

      Thank you,

      Will

  2. Default Gravatar
    | February 27, 2014

    Do any travel insurance policies cover airlines collapsing?

    • Staff
      Shirley | February 27, 2014

      Hi Jocelyn,

      Thanks for your comment.

      Australian Travel Insurance, QBE, Travel Insuranz, Commonwealth Bank Travel Insurance may cover a financial collapse up to a certain limit – please double check the fine print before committing to anything.

      Cheers,
      Shirley

  3. Default Gravatar
    Jules | February 24, 2014

    I’m a frequent traveller, but as my parents are now elderly, I am contemplating the scenario that at some point I may have to cancel travel arrangements prior to leaving date or cancel mid-trip to come home to care for my parents in an emergency. Does either or both “cancellation policy” or “family emergency” cover this scenario.

    • Staff
      Shirley | February 25, 2014

      Hi Jules,

      Thanks for your comment.

      This actually depends on the insurer and how they word their policies.

      It can be either their cancellation policy or their family emergency – before committing to anything, it’s important to read the PDS so you know which specific cover it is. If you have any doubts, it’s best to contact the travel insurer directly to clarify.

      Cheers,
      Shirley

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