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Find out how to protect your finances during the global coronavirus pandemic with insurance.
On 25 March 2020, the Australian Government placed a ban on all non-essential international travel and restricted domestic travel. Since then, getting travel insurance has been pretty hard since a lot of insurers have temporarily paused cover as well.
Here are some brands who are still offering travel insurance, just keep in mind;
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Keep up to date with the changing domestic travel restrictions.
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.
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:
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.
We don't charge you anything to compare policies with us. If you do choose to buy a policy by clicking through to one of our partners, you'll pay no more than going directly to their site.
Our unique algorithm ranks partners' policies based on how comprehensive they are – not by how much they pay us.
We write our content based on information travellers are looking for. We're an independent publisher and want to help you find the best information.
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:
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.
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.
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.
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.
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 found in the PDS which are included 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 the natural disaster becomes a "known event", you won't be covered.
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.
Find out how to protect your finances during the global coronavirus pandemic with insurance.
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.
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.
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.
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.
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.
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.
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.
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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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