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While COVID-19 is still impacting travel, a growing number of travel insurance policies are becoming available for Aussies who are looking to explore. Some will even offer insurance for some COVID-related events such as medical expenses if you get sick after being infected with COVID.
Travel insurance is an agreement between you and your travel insurer. You pay them a fee (known as a premium) that is calculated based on the risks associated with your trip. In exchange, your insurer agrees to pay you for unexpected costs related to your trip, up to an agreed amount. Travel insurance can help you in lots of ways by:
More than a dozen brands now offer travel insurance benefits for the coronavirus pandemic. Cover is usually limited to specific situations including:
The type of cover and amount you get also depends on the policy. That's why you should always check the product disclosure statement (PDS) for full details of the cover you'll get.
Brand | COVID-19 expenses | Cooling off period | Overseas medical expenses | Theft or damage to luggage | Standard excess | Apply |
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| 21 days | Up to $15,000 | $250 | Get quote | |
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| 21 days | Optional add on | $100 | Get quote | |
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| 14 days | Up to $7,500 | $200 | Get quote | |
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| 14 days | Up to $15,000 | $200 | Get quote | |
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| 14 days | Up to $5,000 | $200 | Get quote | |
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| 14 days | Up to $7,500 | $200 | Get quote | |
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| 14 days | Up to $15,000 | $100 | Get quote | |
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| 14 days | Up to $7,500 | $200 | Get quote | |
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| 21 days | Up to $15,000 | $200 | Get quote | |
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| 21 days | Up to $15,000 | $250 | Get quote | |
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| 14 days | Up to $25,000 | $100 | Get quote | |
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| 14 days | Up to $2,000 | $100 | Get quote | |
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| 14 days | Up to $2,000 | $100 | Get quote | |
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| 21 days | Up to $12,000 | $250 | Get quote | |
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| 21 days | Up to $15,000 | $250 | Get quote | |
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| 14 days | Up to $15,000 | $200 | More info | |
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| 21 days | Up to $8,000 | $250 | More info | |
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| 14 days | Up to $10,000 | $200 | More info | |
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| 21 days | Up to $15,000 | $100 | More info | |
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| 21 days | Up to $15,000 | $250 | More info | |
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| 21 days | Up to $12,000 | $250 | More info | |
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| 21 days | Up to $15,000 | $250 | More info | |
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| 14 days | Up to $10,000 | $200 | More info | |
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| 21 days | Up to $15,000 | $250 |
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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.
Did you know that 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.
You'll need to pay extra for some high-risk activities such as skiing and motorcycling. 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.
Travel insurance can cover cancellations and injuries that arise from natural disasters depending on your policy type and when it was issued. If you buy your policy after a natural disaster or a pandemic becomes a "known event", you typically won't be covered.
When the unexpected happens, you should get in touch with your insurer as soon as possible either by phone or online. Not only can they guide you through the claims process but if you need emergency assistance, most insurers have a 24/7 number you can contact.
It's important to know that travel insurance doesn't cover everything. Check out our guide for a list of common exclusions from Australian travel insurers.
Plan to travel while pregnant? Read about the type of cover available for pregnant travellers of up to 32 weeks.
Here's how travel insurers are responding to the pandemic.
Travel insurance can protect policyholders in multiple different ways, including trip cancellations and cover for expensive medical costs if you get sick or hurt on your trip.
Over 70 and need travel insurance? Compare your options to get affordable cover for what matters.
Travel insurance is an essential expense for anyone planning a trip overseas, though sometimes it can be difficult to find cover if you are over 80 years of age.
Guide to finding travel insurance if you're over 85 years of age.
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We take a look to see if you are fully protected by insurance if your Airbnb trip goes wrong.
Finder's Travel Report explores what Australians want from travel, how they’re paying for it, and how COVID has changed their holiday habits.
The Philippines require $35,000 insurance coverage to go to Manila from Australia. How do I get this?
Hi Baz,
Please visit our guide about COVID travel insurance. You’ll be able to compare a range of insurance providers who include COVID-19 medical expenses. It’s this policy feature that countries such as The Philippines are mandating.
Most offer this expense as an unlimited benefit but do check the PDS of each provider before signing up with the one that meets your needs.
Regards,
James
I would like a years travel insurance worldwide please advise
Hi Mike,
Thanks for getting in touch! It’s great to know that you are looking to get travel insurance. To get started, please utilize the online form found on top of the page above. Enter all the details needed in the form and press GET MY QUOTE. Once done, you will see a list of providers that may review your insurance inquiry. If you need further help, a quick guide on how to compare travel insurance is also included on the page.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
Do I need to purchase Travel insurance before I pay for flights etc?
Hi Lorelie,
Thanks for reaching out to us at Finder!
There’s nothing stopping you from purchasing travel insurance before you pay for flights but typically, people usually buy it after or at the same time of booking.
This is because your flight dates will generally confirm your travel dates. You’ll have a confirmed flight itinerary and be able to match those dates to the date range you’ll need cover for.
I hope you find this helpful.
Kind regards,
Jessica
How long before I travel should I purchase travel insurance?
Hi Lorelei,
Thanks for getting in contact with us at Finder!
We always recommend buying travel insurance as early as possible. This is so that you can take advantage of cancellation benefits in case something out of your control happens.
Most policies cost the same if you buy it today, versus if you but it later, so generally; you’ll get better value out of buying it earlier.
I hope you found this helpful.
Kind regards,
Jessica
How can I get travel insurance for a boat cruise for the 25/02/2020 going to the South Pacific islands. Our ages are 78 and 75 respectively. Is there any chance on getting yearly insurance or is it just for a single trip. Thank you.
Hi Delia,
Thanks for getting in contact with us at Finder!
From my research of over 15 of our travel insurance partners, InsureandGo travel insurance offers annual multi-trip policies for people up to the age of 100. Their annual multi-trip policies also offer automatic cover for on-board hospital and medical expenses as long as any pre-existing conditions are declared.
If you decide to choose a single trip policy instead, head to our cruise travel insurance page and enter your trip details into the comparison tool to compare quotes for eligible policies.
I hope this has been helpful.
Kind regards,
Jessica