Policy: Top Cover
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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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. This could come in handy for a number of reasons, including:
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.
Consider this, 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 the 4th June, 2019.
|1 Cover||Comprehensive Policy||Basics Policy|
|Trip cancellation expenses||Unlimited||No cover|
|Travel documents and travellers cheques||$5,000||No cover|
|Rental vehicle excess cover||$5,000||No cover|
|Price per day||$6.93||$4.85|
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 range 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 the 5th June 2019, for a 30year old spending 2 weeks in the Bali.
|Budget Direct||Tick Travel||Insure4less||1Cover||Fast Cover|
|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|
|Get quote||Get quote||Get quote||Get quote||Get quote|
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 policy shows 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 5th June 2019.
You'll notice that Fastcover's policy is cheaper and has a higher Finder Rating.
Policy: Top Cover
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