Best travel insurance Australia October 2026

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Video: how to find the best travel insurance

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Award winning travel insurance

2026 Customer Satisfaction Award Winners

Most Loved

Australia Post Travel Insurance

Australia Post was Australia's Most Loved travel insurance brand for 2026, earning a score of 4.31.

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Top Value

Australia Post Travel Insurance

Australia Post won Top Value Travel Insurance for 2026, earning a score of 4.39.

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Most Trusted

Australia Post Travel Insurance

Australia Post won Most Trusted Travel Insurance for 2026, earning a score of 4.38.

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Legendary Service

Australia Post Travel Insurance

Australia Post was the winner for Legendary Service Travel Insurance in 2026, earning a score of 4.40.

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Easiest to Claim

Bupa Travel Insurance

Bupa won Easiest to Claim Travel Insurance for 2026, earning a score of 3.94.

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Most Recommended

Australia Post Travel Insurance

Australia Post won Most Recommended Travel Insurance for 2026, earning a score of 4.25.

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2026 travel insurance customer satisfaction award scores

Scores were based on Finder’s 2026 Customer Satisfaction Awards data.

2026 Travel Insurance Award Winners - International

Best International Comprehensive

Southern Cross Travel Insurance

Southern Cross Travel Insurance has been named the best comprehensive travel insurance provider in the 2026 Finder Travel Insurance Awards, taking home the title for the second year in a row. It has no restrictive age limits, generous cover of $25,000 for luggage and personal items and the option to extend your cover in line with your trip.

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Highly commended

1Cover Travel Insurance

1Cover comes highly commended for its comprehensive policy, hanging onto its title from 2025, which offers up to $15,000 cover for loss or damage to luggage and personal items.

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Highly commended

Fast Cover Travel Insurance

Fast Cover comes highly commended for its comprehensive policy for the second year in a row, which offers optional cover add-ons depending on the type of holiday you have planned.

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Best International Value

ReadySet

ReadySet has been named the best value travel insurance provider in the 2026 Finder Travel Insurance Awards. It offers unlimited trip cancellation cover in Australia, plus you can tailor your cover so you're not paying for what you don't need.

Highly commended

Zoom Travel Insurance

Zoom comes highly commended in the value travel insurance category, with customers impressed by its competitive pricing and flexible cover options.

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Highly commended

Insure4Less

Insure4Less earned a highly commended placing in the value travel insurance category, thanks to its impressive cover inclusions even within its budget product offering.

Highly commended

Tick Travel Insurance

Tick comes highly commended in the value travel insurance category for the second year in a row, thanks to its impressive cover inclusions even within its budget product offering.

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2026 Travel Insurance Award Winners - Domestic

Best Travel Insurance - Domestic

InsureandGo

InsureandGo has been named the best domestic travel insurance provider in the 2026 Finder Travel Insurance Awards. It offers different levels of cover to suit your trip and covers a wide range of adventure activities.

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Highly commended

Qantas Travel Insurance

Qantas comes highly commended for its domestic travel insurance for the second year in a row, which offers different cover levels, plus pays you Qantas Points on the cost of your cover.

Highly commended

Tick Travel Insurance

Tick comes highly commended for its domestic travel insurance, which offers 3 levels of cover for domestic policies and is free for kids under 18 travelling with parents.

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Finding the best travel insurance for an international holiday

The best policy is one you can afford that covers all you care about. To narrow down your travel insurance search, ask yourself the following questions:

• Are you travelling somewhere with expensive healthcare? For example, America. If you become sick in a country with expensive healthcare then it'll pay to have a policy with generous medical limits.
• Are you going somewhere that has a Reciprocal Health Care Agreement (RHCA) with Australia? An RHCA means you can access essential or emergency care at a reduced cost (or free) in the countries below. But it's not a substitute for travel insurance: it won't cover medical repatriation, ongoing treatment or getting you home if something goes seriously wrong. Treat an RHCA as a reason you might need slightly lower medical limits, not a reason to skip them. Here is a list of countries with an RHCA with Australia:
• Belgium
• Finland
• Italy
• Malta
• Netherlands
• New Zealand
• Norway
• Republic of Ireland
• Slovenia
• Sweden
• United Kingdom
• Are you travelling with a reputable airline or do you have connecting flights? Flight cancellations and delays are common, and cover for them can save you if a delay causes you to miss a connecting flight, hotel check-in or prepaid activity.
• Could you afford to replace your luggage if it was lost? Lost luggage is inconvenient at the best of times but if you're travelling with expensive luggage - or just a lot of the stuff - then it can be worth making sure your policy has adequate coverage for this.
• Will you be driving a rental car? If yes, ensure your policy has coverage for rental car excess. This means your policy can help you pay that super expensive excess in the event of an accident.
• Is it disaster prone? If the country typically endures storms, cyclones or bushfire seasons, look for a policy with natural disaster and cancellation cover. Make sure you purchase a policy as early as you can because insurers stop covering an event once it's a "known event" in the news.

Frank's experience using travel insurance

"When I was in Fiji, I got caught in a cyclone and couldn't leave. I ended up having to stay for an additional 4 days. Thankfully, I had travel insurance via my credit card and was able to be covered for some of those extra accommodation costs."

Frank Restuccia

Founder

Finding the best travel insurance - domestic travel

If you're travelling domestically, there are fewer things to consider. The main ones to have on your radar are:

• Flight cancellations and delays: Even your small flight to Brisbane can be cancelled or massively delayed.
• Lost luggage: If you're getting on a plane, cover for lost luggage is always smart.
• Rental car excess: Even the safest of drivers can find themselves in an accident and the excess on rentals can be sky-high.

Note: There is no medical cover for domestic travel insurance. This is because Medicare or your private health insurance is expected to cover you while you're travelling within Australia.

Our expert says

"Whenever I travel within Australia, I almost always hire a car. Here's the thing though. To make the excess on the rental car lower, I usually have to pay about $200 extra for the vehicle. But if I leave the excess at its higher amount, I can use that spare $200 to purchase a travel insurance policy that will cover me for the rental car excess and more, like flights and luggage issues. It's such a better use of cash and I get way more for my money."

Peta Taylor

Publisher of Insurance

Travel insurance deals for October 2026

9 of 9 results

Updated regularly

Name
Wise and Silent EXCLUSIVE Get 8% off your Wise and Silent policy Wise and Silent is offering 8% off travel insurance policies exclusively through Finder. To claim the discount, enter promo code FINDER8 at checkout on the Wise and Silent website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Insureandgo EXCLUSIVE Save 10% on InsureandGo policies with Finder InsureandGo is offering 10% off travel insurance policies exclusively through Finder. To claim the discount, enter promo code FINDER10 at checkout on the InsureandGo website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Tick Travel Insurance EXCLUSIVE Use code Finder to get 7% off Tick is offering 7% off travel insurance policies exclusively through Finder. To claim the discount, enter promo code FINDER at checkout on the Tick website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Medibank 15% off travel insurance for Medibank Private members Medibank is offering 15% off travel insurance for Medibank Private members. To claim the discount, buy your policy on the Medibank website as an eligible Medibank Private member. T&Cs apply. Get deal Get deal		loading Fetching your data...
ahm ahm and Medibank members get 10% off travel insurance ahm is offering 10% off travel insurance for ahm and Medibank Private members. To claim the discount, buy your policy on the ahm website as an eligible ahm or Medibank Private member. T&Cs apply. Get deal Get deal		loading Fetching your data...
Kogan Travel Get 10% off new Kogan Travel Insurance policies Ends 05 November 2026 Kogan Travel Insurance is offering 10% off new travel insurance policies until 5 November 2026. To claim the discount, enter promo code HOLIDAY at checkout on the Kogan Travel Insurance website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Fast Cover 10% off on all duo travel insurance policies Fast Cover is offering 10% off duo travel insurance policies. To claim the discount, choose a duo policy on the Fast Cover website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Qantas Earn up to 15,000 Qantas Points Ends 26 October 2026 Qantas Insurance is offering up to 15,000 Qantas Points on travel insurance. To earn the points, buy a policy on the Qantas Insurance website. T&Cs apply. Get deal Get deal		loading Fetching your data...
Cover-More Earn Velocity Points with Cover-More Cover-More is offering 3 Virgin Australia Velocity Points for every $1 spent on travel insurance. To earn the points, buy an eligible policy on the Cover-More website as a Velocity member. T&Cs apply. Get deal Get deal		loading Fetching your data...

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Best travel insurance FAQs

• What's the best type of travel insurance?

  There are two main levels of travel insurance; basic and comprehensive. A basic travel insurance policy can cover you for health and medical emergencies. A comprehensive policy can cover your possessions too as well as other things like cancellation.

• How far in advance should I buy travel insurance?

  It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. You'll generally have cancellation cover from the day you buy, subject to your policy's terms and exclusions.

• Is it best to get a single trip or annual policy?

  Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip (annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

  Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

• What's considered a pre-existing condition for travel insurance?

  Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes. Pre-existing conditions can also include symptoms under investigation and ongoing medication. Failing to declare them can void a claim.

• What's the best travel insurance for Bali?

  There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, you're more likely to be covered if you bought your policy before the event became known. Once a disruption like a volcanic eruption is in the news, new policies usually exclude it.

• What's the best travel insurance for the US?

  The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

  • Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
  • Medical evacuation and repatriation. Covers the cost of getting you home if you're too sick to travel normally.

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Peta Taylor

Publisher of Insurance

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Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio