Comprehensive Travel Insurance

Need to cover more than just the essentials? Find comprehensive cover and apply securely online

The last thing that you want to think about is having something go wrong on your trip, but preparation is the enemy of the unknown. Purchasing travel insurance before you leave is the best way to make sure that you are financially protected against unexpected events. It is also advisable to purchase travel insurance for any domestic travel. While you don’t need cover for medical emergencies, you may want to protect yourself from events such as cancellation or evacuation.

Depending on the travel coverage and the provider that you select, most travel insurance will cover a predetermined amount of overseas medical emergency expenses, trip cancellation, or other expenses that are out of your control while you’re away from home. Travel insurance is essential so that you are not left solely responsible for oft-substantial bills or stranded in a foreign country without access to proper healthcare.

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Comprehensive Travel Insurance and its Benefits

Comprehensive travel insurance offers the highest cover for overseas travel, often providing unlimited cover for emergency medical and evacuation expenses. Comprehensive plans also provide cover for the following:

  • dental emergencies
  • cancellation fees and deposit reimbursements
  • evacuation expenses (i.e additional accommodation, meals, and other expenses)
  • transportation reimbursement (including flights, rental cars)
  • theft of cash, bank notes, currency notes and money or postal orders
  • personal liability
  • replacement costs for travel documents, credit cards, travellers cheques and passports
  • accidental death
  • hospital cash allowance
  • permanent disability.

Comprehensive insurance plans usually have various options to cover your spouse and family members. Some policies also cover your pets if they happen to be travelling with you.

Most comprehensive policies will cover your for trip cancellation, allaying any fears you may have about cancelling a trip due to illness.

If you are travelling with your family, make sure that everyone is covered. When looking for a comprehensive policy, check if your spouse and children are insured under your policy or whether you need to purchase a policy for individual members of your family.

Who Needs a Comprehensive Travel Insurance Policy?

Comprehensive travel insurance is best suited for people who are going on a trip that involves some degree of risk. While most vacations involve an element of risk, travellers on adventure tours, hiking, backpacking excursions, volunteer missions, or any other adventure-type getaway may want to consider comprehensive travel insurance.

If you have to cancel, evacuate, or seek emergency medical care while abroad, you will want to have sufficient insurance coverage so that you will not be left to foot the bill.

Comprehensive coverage provides the best coverage to suit all trips. The cost of the policy is not the only factor you should consider when choosing an insurance product. When you are trying to pick a provider, it is always best to go with an established and highly regarded insurer.

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Things to Consider When Choosing a Comprehensive Travel Insurance Policy

Being protected while you’re travelling in a foreign country is a must. Purchasing an insurance policy is simple — choose a reputable insurer and select the plan that suits your travel needs best.

Comprehensive travel insurance is the highest level of cover you can get but it is always a good idea to compare cover from a variety of companies so that you find the right policy for you. Compromising on the quality and amount of coverage to save on cost is not advisable on travel insurance.

What you need:

  • permanent disablement cover
  • accidental death insurance
  • overseas emergency medical assistance or evacuation cover
  • hospital insurance for medical, plus dental
  • personal liability insurance
  • lost personal effect and baggage cover.

Apply for Comprehensive Insurance

Many insurers provide top of the line travel insurance to best cover any emergency travel expenses. This type of coverage is typically called comprehensive travel insurance.

Comprehensive coverage is the best type of travel insurance available for as many providers cover unlimited amounts for expenses related to emergencies overseas and other expenses that may arise to provide the most extensive coverage for your trip.

If you are planning a trip overseas and don’t want to having any doubt in the back of your head, choose a comprehensive policy and make sure that you, and your family, are protected.

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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2 Responses

  1. Default Gravatar
    KelJuly 22, 2017

    I am traveling to Fiji for business what insurance do I need?

    • Default Gravatar
      JonathanJuly 22, 2017

      Hello Kel,

      Thank you for sending your inquiry. :)

      You can compare the list of insurers we have on this page. Kindly input the travel details on the form and click “Get Quote Now” green button.

      Please take note of their benefits, exclusions and fees by looking at their individual product T&Cs.

      Hope this helps.


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