Travel Insurance Australia

Compare travel insurance and get the right cover for your trip here or abroad.

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Travel insurance rules continue to change due to the coronavirus pandemic.

We’re working hard to make sure our guides are up to date, but some information may not be accurate during this time. It's important to double-check all details before taking out cover. Some policies may not be available through Finder.

Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
InsureandGo Gold Domestic
  • No
  • $50,000
  • $8,000
$100
⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
InsureandGo Silver Domestic
  • No
  • $10,000
  • $5,000
$100
⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
InsureandGo Bare Essentials Domestic
  • No
  • $2,000
  • $2,000
$100
⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
Tick Top Domestic Travel Insurance
  • $20,000
  • $7,500
$200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Standard Domestic Travel Insurance
  • No
  • $5,000
  • $3,000
$200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Basic Domestic Travel Insurance
  • No
  • $1,500
  • $2,000
$200
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Southern Cross TravelCare Single Trip
  • Unlimited
  • Cover chosen
  • $25,000
$250
Southern Cross Domestic Travel Insurance
  • No
  • Unlimited
  • $15,000
$100
Zoom Domestic Travel Insurance
  • No
  • Unlimited
  • $7,500
$200
CoverMore Domestic Single Trip Travel Insurance
  • No
  • $10,000
  • $3,000
Some cover
$250
CoverMore International Premium Single Trip Travel Insurance
  • Unlimited
  • Cover chosen
  • $15,000
Some cover
$250
Travel with Kit Domestic Travel Insurance
  • No
  • $25,000
  • $10,000
$100
Travel with Kit International Comprehensive Travel Insurance
  • Unlimited
  • $25,000
  • $10,000
$100
American Express Domestic Travel Insurance
  • No
  • $10,000
  • $5,000
$200
World2cover Domestic Travel Insurance
  • No
  • $25,000
  • $7,500
$100
World2cover International Top Cover Travel Insurance
  • Unlimited
  • Unlimited
  • $15,000
$100
Easy Travel Insurance Domestic Single Trip Travel Insurance
  • No
  • $10,000
  • $3,000
Some cover
$0
Easy Travel Insurance International Premium Single Trip Travel Insurance
  • Unlimited
  • Cover chosen
  • $15,000
Some cover
$250
Fast Cover Domestic Plus Travel Insurance
  • No
  • Unlimited
  • $7,500
$200
Fast Cover International Comprehensive Travel Insurance
  • Unlimited
  • Unlimited
  • $15,000
$200
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Promoted
Southern Cross TravelCare Single Trip
Southern Cross TravelCare Single Trip
Handy things you should know about Southern Cross Travel Insurance.
    • Get an online quote in just a few minutes
    • Free cover for dependent kids, under 21 travelling with you
    • Optional add-on cover for your valuables
    • Maximum age limit of 118 years
    • 14 day cooling off period for added flexibility

Keep up to date with the changing domestic travel restrictions.

Other ways we can help

Most travel insurance policies are unavailable right now, but we still want to help. Here's some useful info about getting on top of your finances, so there's less to worry about during this very weird time.

Help me find more info on COVID-19

Travel Insurance Finder® helps you easily compare travel insurance

What is travel insurance in Australia?

Travel insurance is an agreement between you and your travel insurer. You pay them a fee (also known as your premium) based on the risks associated with your trip. In exchange, your insurer agrees to pay you for unexpected bills related to your trip, up to an agreed amount. Travel insurance can help out in lots of ways by:

  • Helping to pay for medical expenses if you're sick or injured overseas
  • Reimbursing you if you need to cancel your trip or cut it short
  • Covering your valuables and travel documents if they get lost, stolen or damaged

When one of these problems does occur while you're away, travel insurance can reimburse you for the costs incurred, so you can travel with peace of mind.

Looking to cover COVID-19?

A few brands are starting to offer travel insurance benefits for the coronavirus pandemic. Cover is limited and it doesn't cover the expenses from border closures.

Don't forget to check the product disclosure statement (PDS) to understand what you're covered for.

BrandCOVID-19 expensesCooling off periodOverseas medical expensesTheft or damage to luggageStandard excessApply
Covermore logo
  • Some cover
15 days Unlimited$15,000$250Get quote
Easy Travel Insurance
  • Some cover
15 days Unlimited$15,000$250Get quote
Qantas travel insurance
  • Some cover
21 days Unlimited$15,000$100More info
Medibank Travel Insurance
  • Some cover
21 daysUnlimited$15,000$250More info
Picture not described
  • Some cover
21 daysUnlimited$15,000$250More info

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How we look at travel insurance comparison

Enter your trip details into our search tool and you can get loads of quotes in seconds. Here are some other features of our search tool to help you compare:

Star Finder Rating

The finder rating helps with comparison by giving you an idea of how comprehensive a policy is, based on how many benefits are included and to what extent.

Star Price

You can sort travel insurance policies by price - budget to most expensive (and vice versa). It's always worth comparing prices because you can get more value.

Star Benefits

If some policy benefits are more important to you than others, use the "More info" tab to compare included benefits and limits across different travel insurance brands.

Travel insurance comparison

Choose the type of cover you need

Popular travel insurance comparisons and guides

5 things you need to know

One Travel insurance doesn't protect you from yourself

Your claim can be denied if the insurer finds that you failed to take care or act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.

Two Rules about renting motorcycles and scooters on your holiday

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.

Three You might need to pay more for certain activities

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 found in the PDS which are included for free.

Four How travel insurers treat natural disasters

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 the natural disaster becomes a "known event", you won't be covered.

Five Don't make assumptions when it comes to claims

If you're unsure about what to do when the unexpected happens, most insurers have a 24/7 emergency assistance line that you can contact. They will advise you on the right steps to take and help start your claim process.

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.

Looking for other insurance options?

Find out how to protect your finances during the global coronavirus pandemic with insurance.

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Compare the cost of travel insurance with Finder

There is no flat fee when it comes to travel insurance. The cost depends on a range of factors including:

  • The trip length
  • The level of cover you choose
  • The places you go
  • Your age
  • Activities you'll partake in
  • Pre-existing medical conditions

Prices can also vary based on which travel insurance company you choose. The graph below shows how the price of travel insurance for a 7-day trip in Bali for a 49-year-old differs between insurers. You'll also notice the difference in price between travel plans (basic and comprehensive), because budget policies will generally cover less. This is why it's so important to compare travel insurance.

This graph was last updated in August 2019.

Travel insurance guides for our most popular destinations

Frequently asked questions

Can I get travel insurance that covers COVID-19?

A handful of insurers offer cover for COVID-19, but it's limited to being diagnosed and being in contact with an active case. This means that it's unlikely you'll be covered for things like border closures.

Do I really need travel insurance?

Travel insurance is compulsory for some countries such as Cuba, Qatar, United Arab Emirates, Turkey and Belarus. But even if it's not compulsory for other countries, Smartraveller.gov.au advises that if you can afford to travel, you can afford travel insurance. It's a small price to pay compared to the thousands you could lose if something unexpected happens.

How much does travel insurance cost?

On average, a travel insurance policy to Bali for 2 weeks for a 30-year-old is $56.84 (as of February 2020), but the cost of travel insurance can vary so much between different people, you should always compare your options. You can get cheaper policies with fewer inclusions, or more expensive policies with upgrades. When looking for travel insurance, the way to get the most value is to consider your trip and only get cover for what you need.

What's the difference between flight insurance and travel insurance?

Flight insurance is sometimes offered by airlines to cover you for the costs of flight cancellations and delays. It's different because it only covers flight-related expenses compared to travel insurance which is more inclusive. Travel insurance can protect your entire trip including your flights, overseas medical costs and luggage to name a few.

What's a PDS?

A PDS (Product Disclosure Statement) is a legally binding document that outlines what you're covered for. If something's not mentioned in a PDS then that insurer won't cover it.
Before you buy any travel insurance policy, always read the PDS to make sure you're covered for what you need. After you buy a policy, you should expect an email with your certificate of insurance and a copy of the PDS.

Will travel insurance pay my medical expenses up-front?

Travel insurance will typically pay for emergency medical expenses up-front if you need, but you'll have to get in contact with your insurer as soon as possible to arrange it.
If your condition isn't major and you don't have to pay a lot, it might be easier for you to claim your expenses when you get back home.

What's a "known event"?

In insurance, a known event is an incident that has been reported by the media or government, e.g. a planned pilot strike or weather warning. If you buy travel insurance after these incidents become known events, you most likely won't be covered for any related claims.

What's an excess?

An excess is the out-of-pocket expense you'll have to pay if you need to make a claim on your travel insurance policy. Depending on how risk-averse you are, you can opt for a higher excess, which will mean lower premiums (policy cost), but this might mean that smaller claims are not worth it.

Are there age restrictions on travel insurance?

Most Australian insurers will have an age limit for seniors which can vary from 65 onwards. Those that do cover all ages often have limits on trip durations and exclusions on pre-existing conditions.
Most policies will cover kids for free if they're travelling with the parent or guardian listed on the Certificate of Insurance. You usually need to be under 21 to be eligible as a dependent, though this varies between brands.

What's the difference between standalone travel insurance and complimentary credit card travel insurance?

Complimentary credit card travel insurance often comes with more conditions and exclusions than a standalone policy. For example, you might have to pay for a certain percentage of your trip using your credit card. You should always read the Product Disclosure Statement (PDS) for the fine print regarding the excesses you will have to pay, the benefit limits, the maximum trip duration and which pre-existing medical conditions are automatically excluded.

If you find the few dollars you save isn't worth the risk of being underinsured, consider taking out a standalone policy instead.

Will travel insurance cover me for my pre-existing medical condition?

Depending on your condition and the insurer, you might be automatically covered for free, you may have to pay more for a policy, or you might not be covered at all. Either way, be sure to let your insurer know about your pre-existing conditions when you apply. Otherwise, any related claims you make are likely to be denied.
Picture: Getty Images

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*Travel Insurance Finder compares brands for Australians looking for cover. The number of brands compared may vary based on external factors such as age, destination, cover type and technical issues.

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45 Responses

    Default Gravatar
    MikeOctober 29, 2019

    I would like a years travel insurance worldwide please advise

      Default Gravatar
      NikkiOctober 30, 2019

      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

    Default Gravatar
    LoreleiOctober 20, 2019

    Do I need to purchase Travel insurance before I pay for flights etc?

      Avatarfinder Customer Care
      JessicaOctober 21, 2019Staff

      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

    Default Gravatar
    LoreleiOctober 20, 2019

    How long before I travel should I purchase travel insurance?

      Avatarfinder Customer Care
      JessicaOctober 21, 2019Staff

      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

    Default Gravatar
    DeliaOctober 17, 2019

    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.

      Avatarfinder Customer Care
      JessicaOctober 17, 2019Staff

      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

    Default Gravatar
    MatildaAugust 28, 2019

    Are there any insurance companies that cover Outdoor Rock Climbing without a guide. My son has already left Australia.

      Default Gravatar
      NikkiAugust 29, 2019

      Hi Matilda,

      Thanks for your message. Yes, there are insurers offering rock climbing travel insurance, however, they require all climbs to be with a professional/guide. Given that your son is already overseas, you may want to reach out to insurers for travellers outside Australia. 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 best of luck in finding an insurer for your son!

      Best,
      Nikki

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