Why compare travel insurance with Finder?
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
How do I compare travel insurance?
Most travel insurance policies give you unlimited cover for medical expenses and 24/7 emergency medical assistance.
You can get cover for COVID-related medical expenses now and up to $5,000 towards cancellation or rearrangement costs.
It can also pay to get you on an alternative flight. Plus, many will cover your accommodation costs if your trip is disrupted.
You can get around $250 a day if your luggage is delayed by the airline. Many also cover stolen or accidentally damaged luggage.
Meet our experts
Our team of insurance experts have published over 450 guides on travel insurance and are regularly cropping up on TV shows, including Sunrise, Seven News and 10News, with the latest travel insurance tips and tricks.
Whether you're heading overseas with the family or exploring somewhere closer to home, we're passionate about helping you get the best policy for your holiday.
Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event. The majority don't do this. They only cover you for certain reasons. So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered.
Gary Ross Hunter
Finder's insurance and innovations editor
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
"Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event . The majority don't do this. They only cover you for certain reasons . So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered."
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
Your claim will be voided if the insurer finds that you failed to act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.
Travel insurance will only cover you if you're riding with an Australian motorcycle licence or a valid licence in that country. You also need to be wearing a helmet and stick to a specific engine size.
This can be added when applying online. You'll find that most Australian insurers have a list of activities in the PDS which are covered for free.
If you buy your policy after a natural disaster or a pandemic becomes a "known event" (e.g. it's in the news), you typically won't be covered, with the exception of the COVID-19 pandemic.
"We recently had to cancel a trip to Europe due to a family emergency, resulting in thousands of dollars lost in tickets, accommodation bookings and more. Thankfully we had travel insurance through our credit card which made sure we were covered from when we booked. We received all money lost back in full for anything we couldn’t cancel."
How much has travel gone up since the pandemic?
The best travel insurance policies are different for each individual traveller.
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If you need travel insurance that covers water sports, here’s how to find the right policy at the right price.
Beware when swimming at Byron, Ballina, Bondi and Bells.
This guide looks at the types of stand-alone policies offered by insurers and asks whether we can really afford to be without medical cover when travelling overseas.
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Compare Westpac Travel Insurance, see features, and more.
A guide to understanding cruise insurance - why you need it, what's covered, and what's not.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
I have booked a holiday package for srilanka and the maldives, will one combined quote cover me for both destinations?
Hi Sheri,
Yes, you can buy one policy that covers you for multiple destinations. In the search bar, just type in both destinations and your travel dates and age, and the search engine will curate a number of travel insurance options for you that cover you for both destinations. Sounds like an amazing trip! All the best with your planning.
I am looking for travel insurance for a 70 year old lady with a preexisting heart condition Atrial fibrillation that has been successfully treated. I am going to Canada for a week next may.
Hi Robyn, Our detailed guide to travel insurance for seniors can help you out. You’ll need to specify your existing heart condition – this might result in the quote being higher, but if you don’t mention it and the insurer finds out, any future claim is likely to be turned down. But there are lots of insurers who will offer cover. Safe travels!
I filled out a request for a travel insurance quote and have not received it
Hi Peter, you’re best to follow up with the travel insurance company you requested the quote from. Hope this helps.
I need a hard copy of my health insurance going over seas
Hi Gayle,
You should be able to print your policy. You should have a copy on your email or you can access it from online banking. If you’re having any issues, perhaps contact your health insurer for some assistance.
Hope this helps!
Greetings
I am taking a 19 day tour of Vietnam and Cambodia. During the tour I will be on a boat for one night in Halong Bay. InsureandGo advised that I need to take out a cruise premium because of the one night on a vessel. The cruise premium is double the price of its Gold premium. Is there a company that would be a better option for me?
Hi Felix,
Most insurers charge a higher premium for cruise cover, as they are pricing it based on risk. Insurers are aware that there’s a higher chance of claims related to cruising, such as illness, slips and fall injuries and cancellation fees, which can increase the premium paid.
Unfortunately you have to select cruise coverage for the entire trip, so you have a few options:
– Pay the higher price and get the peace of mind of full coverage.
– Pay for coverage without cruise cover, and take the risk of travelling knowing you have no insurance if something goes wrong on that one day.
– Enquire about taking out 2 policies: one standard policy for the entire trip without cruise cover, and another 2-day policy to cover your cruise.
Some of the things cruise travel insurance may cover includes:
Pre Paid Shore Excursions Cancellation
Missed Cruise Departure
Cabin Confinement/Loss of Enjoyment
Missed Port Cover
Formal Attire Cover
Formal Attire Delay Allowance
Unlimited medical cover and emergency assistance (on-board and while docked)
Weather delays or natural disasters.
COVID cover
Hope this helps!