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Comprehensive travel insurance is the highest level of cover available and generally includes cover for overseas medical expenses, cancellation costs, delayed or lost luggage and personal liability. Some brands also automatically include cover for ski, cruise and rental car excess. While virtually all brands have a comprehensive policy, not all policies are created equal so shop around to find one that works for you.
The Finder rating ranks policies based on how comprehensive they are (i.e. how well each feature covers you). You'll notice that the policies are sorted from the highest Finder rating to the lowest, not by price.
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Budget Direct's Comprehensive policy is Finder's pick for the second year running. It offers unlimited cover for important benefits including overseas medical expenses, cancellation and emergency companion cover.
A Finder rating is a score that gives you an indication of how much cover you'll get with a certain travel insurance policy. Our unique algorithm measures the comprehensiveness by taking into consideration the most important features such as price and included benefits.
The Finder rating is designed to help you easily compare your options.
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 a good idea to go with an established and highly regarded insurer.
The main reasons why it is worth getting comprehensive cover is for the increased limits and to be covered for benefits that basic policies simply don't offer. This could come in handy for a number of reasons, including the following:
Australian insurer, Fast Cover, reveals how it paid out an $87,171.70 claim from a freak waterslide accident in Thailand.
Mitchell Magro (34) was holidaying in Thailand for his brother's bucks party when an accident involving a waterslide left him with life-threatening injuries. The total cost of his claim was from emergency transport services and surgeries. The cost of Mitchell's comprehensive policy with Fast Cover was only $63.90.
November 2019
Unlike a basic policy, comprehensive cover generally has increased limits and included benefits you're likely to need. This includes cover for the important stuff, from medical expenses to cancellation costs. Better still, it gives you peace of mind in a way that other policies simply can't while only costing a little more.
If your travel documents are lost, damaged or stolen while you're travelling, a basic policy generally won't cover you. Similarly, a basic policy won't cover you for trip cancellations. While most of us travelling overseas know how important medical cover is, it's easy to overlook other accidents or potential issues that can arise.
The table below is based on a 21-day trip for a 27-year-old to America. Notice that for only $2 more a day, you can get cover for a whole lot more including your passport with 1Cover. This quote was put together on 4 June 2019.
Compare comprehensive policies
There's really no such thing as a best policy for everyone. After all, you may prefer higher allowances for special events because you're going to a wedding, while someone else may value higher limits for cancellation because of high pre-paid expenses. Nevertheless, below are a number of comprehensive travel insurance policy options based on the Finder rating, which ranks travel insurance policies based on their comprehensiveness.
We've compared 5 of our most popular partners to show how comprehensive policies can differ between brands. We have also highlighted in green which brands offer the most cover for different benefits. Quotes were made on 5 June 2019, for a 30-year-old spending 2 weeks in Bali.
| Budget Direct | Tick Travel | Insure4less | 1Cover | Fast Cover | |
|---|---|---|---|---|---|
| Medical expenses | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Cancellation/amendment costs | Unlimited | $20,000 | $7,500 | Unlimited | Unlimited |
| Luggage and personal effects | $7,500 | $7,500 | $5,000 | $15,000 | $15,000 |
| Travel documents (incl. credit cards and passport) | $5,000 | $4,000 | $1,000 | $5,000 | $5,000 |
| Rental vehicle insurance excess | $6,000 | $4,000 | $3,000 | $5,000 | Optional |
| Price | $72.33 | $50.77 | $54.95 | $70.24 | $59.90 |
While you should never base your decision on price alone, it's possible to find some affordable policies that still provide comprehensive cover. Be careful to check the limits on policies when comparing insurers as some can vary drastically. The below policies show the difference between our most comprehensive expensive policy and our cheapest comprehensive policy. This quote is based on a 30-year-old going to America for 2 weeks, priced on 5 June 2019.
You'll notice that Fastcover's policy is cheaper and has a higher Finder rating.
Policy: Top Cover
Price: $130
Finder rating:
Policy: Comprehensive
Price: $82.80
Finder rating:
Picture: GettyImages
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I am traveling to Fiji for business what insurance do I need?
Hello Kel,
Thank you for sending your inquiry. :)
Please feel free to compare travel insurance for Fiji. 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.
Cheers,
Jonathan