Best travel insurance policies — Choose from 15 popular brands
Whether you’re travelling interstate or internationally, we’ve got you covered. Find the best travel insurance for your holiday today.
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Award winning travel insurance
2024 Customer Satisfaction Award Winners
Most Loved
Came out on top among 20 brands with a score of 4.48/5. Out of all brands, RAC was one of the most trusted, with 97% of people surveyed considering the insurer trustworthy and reliable.
Loved Brand
Was second place with a score of 4.45/5 overall. Tick scored among the highest for ease of application with a 4.6/5. 94% of customers we surveyed thought the insurer was trustworthy.
Loved Brand
Southern Cross Travel Insurance
Came in third place this year. It scored 4.44/5 overall, with 4.6 for ease of application and 4.4 for its range of features and benefits. 97% of Aussies surveyed felt that Southern Cross was a trustworthy brand.
Top 5 travel insurance brands for customer satisfaction in 2024
To help you figure out what travel insurance company is the best in 2024, we asked over 700 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.
| Brand | Overall satisfaction | Trustworthy/reliable |
|---|---|---|
 | ★★★★★ 4.48 | 97% |
 | ★★★★★ 4.45 | 94% |
 | ★★★★★ 4.44 | 97% |
 | ★★★★★ 4.41 | 97% |
 | ★★★★★ 4.33 | 94% |
2024 Travel Insurance Award Winners - International
Best International Comprehensive
Won the 2024 comprehensive award because it goes further than the majority of insurers. It scored highly for cancellation costs and rental car excess. It's also competitive on price compared to the other 30 international policies we analysed.
Highly commended
Ranked in highly commended for comprehensiveness out of the 30 international policies we analysed. It scored highly for features including rearrangement costs and rental car excess insurance.
Highly commended
Travel Protect Travel Insurance
Ranked in highly commended for comprehensiveness. This is because it offers generous coverage limits yet remains comparatively well-priced.
Best International Value
Wise and Silent Travel insurance
Won the 2024 value award because it's cheaper on average than the other international policies we analysed, yet it covers you for more.
Highly commended
In addition to being the domestic winner, Tick is also our international value runner-up. That's because it's one of the most competitively priced policies on the market.
Highly commended
Travel Protect Travel Insurance
Ranked in highly commended for the international value award, out of the 30 policies we analysed because it is well-priced for how many benefits it offers.
2024 Travel Insurance Award Winners - Domestic
Best Travel Insurance - Domestic
Won the 2024 award for best domestic travel insurance because it scored highly for rearrangement and cancellation costs, lost and delayed luggage features and rental car excess, while remaining comparatively affordable.
Highly commended
Came highly commended in the domestic category because it has generous coverage limits while remaining comparatively well-priced.
Highly commended
Domestic policy came highly commended in the domestic category. This is because it's policy had higher benefit limits but was still at the more affordable end of the spectrum.
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 Healthcare Agreement (RHA) with Australia? A RHA means that you can access essential healthcare for a reduced cost or for free. So if you're travelling somewhere with a RHA with Australia, you likely don't need to fret too much about your medical coverage. Australia has RHAs with;
- 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 a pretty common issue at the airports lately. Being covered for this can save you if it 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? Does this country typically endure poor weather like storms and cyclones?
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."
Finding the best travel insurance - domestic travel
travelling domestically, there's a few less 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."
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