Best travel insurance

Looking for the best travel insurance? We've got a tool for that.

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We can help you find the best travel insurance by ranking policies from the most comprehensive to the least. All you have to do is fill in your trip details and we'll give you a price and Finder Rating so you can find the best travel insurance for you.

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2019 Finder Awards

Winner: Best Travel Insurance - Comprehensive

Budget Direct Travel Insurance

Second year running winner. Budget Direct's comprehensive policy includes important benefits with high limits.

2019 Finder Awards

Winner: Best Travel Insurance - Value

Online Travel Insurance

Online Travel Insurance stands out for its competitively priced policy that still offers a considerable amount of cover.

How to review and find the best travel insurance

The best travel insurance is a policy chosen for your individual needs. By reviewing and comparing different brands, you can make sure you get the best travel insurance for your trip, and at a reasonable price.



What should the best policy cover?

When looking for travel insurance, Australians have must-haves that they consider to be more important, and nice-to-haves. When looking for the best policy, it should have a good mix of both.



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

When you’re looking for travel insurance you’ll come across the option of choosing a single or annual trip policy. Both have their pros and cons but single trip policies are best for you if you don’t plan on travelling much over the next 365 days or if you’re going on one long trip (annual policies cap the length you’re allowed to travel in a single go).

Annual policies are best if you’re a bit of a jet-setter. Buying an annual policy generally works out cheaper than buying single trip policies if you plan on making more than four shorter trips in the next year.

Single trip Annual multi-trip
  • Great if you have specific cover requirements, eg, medical or sports activities.
  • Great for travellers who only travel a couple of times a year.
  • Cover can last for up to 12 months.
  • Can be more suitable for travellers over 65 years of age.
  • Great for frequent travellers who travel at least 3 times per year.
  • Can provide cover for multiple destinations.
  • The maximum length of individual trips is usually 45–90 days.

Getting the best value out of your travel insurance

Sometimes you're not after the best policy but rather after the best bang for your buck, this is no truer than when trying to find the best travel insurance for the whole family.

We analysed policies from three of our most popular partners to see how their policies for Bali compared. We looked at a 10-day trip to Bali using a 30-year-old traveller. These quotes were retrieved on 1 October 2019.

Budget DirectTick Travel InsuranceFast Cover
PolicyLast minuteBasicBasics
Price for 10 days' cover$47.58$29.11$26.89
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$2,500$2,000Optional
Cancellation fees and lost depositsNot coveredNot coveredNot covered
Get quoteGet quoteGet quote

*Table was last updated in October 2019

Budget DirectTick Travel InsuranceFast Cover
PolicyEssentialStandardStandard Saver
Price for 10 days' cover$67.10$42.65$41.99
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$5,000$4,000$5,000
Cancellation fees and lost deposits$12,500$5,000$25,000
Get quoteGet quoteGet quote

*Table was last updated in October 2019

Budget DirectTick Travel InsuranceFast Cover
Price for 10 days' cover$69.54$50.72$47.69
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$7,500$7,500$15,000
Cancellation fees and lost depositsUnlimited$20,000Unlimited
Get quoteGet quoteGet quote

*Table was last updated in October 2019

How can I tell which is the best travel insurance for me?

Use the Finder Rating to help you understand how comprehensive a policy is. Here are the top 10 rated policies for a 7 day trip to Bali for a 30-year-old as of January 2020.

1. Budget Direct Comprehensive: 9.4 out of 10
2. Fast Cover Comprehensive: 9.1 out of 10
3. WorldCare Comprehensive: 9 out of 10
4. 1Cover Comprehensive: 8.9 out of 10
5. Zoom Travel Insurance Comprehensive: 8.8 out of 10
6. Travel with Jane Comprehensive: 8.7 out of 10
7. Travel with Kit Comprehensive: 8.7 out of 10
8. Online Travel Insurance Comprehensive: 8.1 out of 10
9. Virgin Money Comprehensive: 7.8 out of 10
10. World2Cover Top Cover: 7.3 out of 10

Best travel insurance companies

Finding the best travel insurance company is not as simple as getting the best policy. For the best travel insurance company, you’re going to want to look at how good its products are in conjunction with things like the company’s reputation and how many complaints it receives.

The table below displays data collected by the Australian Financial Complaints Authority (AFCA) in 2017–18 on your chance of having a dispute per 100,000 with these travel insurers and underwriters. If you’re not sure what the underwriter for a travel insurance company is, you’ll be able to find it listed in the PDS.

Financial services provider Primary business Chance of dispute
Insurance Australia Limited General insurer Not listed
Chubb Insurance Australia Limited General insurer 0.3
AIG Australia Limited General insurer 4.5
AWP Australia Pty Ltd Underwriting agency 5.4
Lloyd's Australia Limited General insurer 8.5
The Hollard Insurance Company Pty Ltd General insurer 11.2
Mitsui Sumitomo Insurance Company Limited General insurer 12
Auto & General Insurance Company Limited Underwriting agency 12.3
Great Lakes Insurance SE Underwriting agency 12.9
Tokio Marine & Nichido Fire Insurance Co Ltd General insurer 22.9
Southern Cross Benefits Ltd General insurer 23.6
QBE Insurance (Australia) Limited General insurer 25.1
AAI Limited General insurer 28.7
Zurich Australian Insurance Limited General insurer 31.1

*Table was last updated in October 2019

Check the underwriter

Those listed in the table above are the underwriters of a whole host of travel insurance brands in Australia. So when you’re looking at a policy, it’s always smart to look at which underwriter is used.

Check online reviews

Before you take out your policy, have a quick whip around the Internet to see what previous customers have said about their claims experiences, whether their emergency assistance team was helpful or just customer service in general. Sure, you’re always going to find negative comments, especially in the world of insurance but if the reviews are all overwhelmingly bad, you might want to look at taking your business elsewhere.

What isn't covered even by the best policies?

Sadly, not even the crème de la crème of travel insurance policies cover everything.

Below are a few items no policy provides cover for:

  • If you intentionally or recklessly put yourself in danger
  • If your claim is for consequential loss of any kind, for example loss of enjoyment
  • If your claim arises because you engage in manual labour on your journey (note that some policies will cover working holidays)
  • If your claim arises because you breach a government prohibition or regulation
  • If you fail to get the correct visa
  • If you fail to obtain a passport in time to travel
  • If you drive a vehicle without a current Australian licence or a licence valid for the country you are driving in
  • If your claim arises due to any errors or omissions in your booking arrangements
  • If your claim arises due to an act of war
  • If your claim arises due to a pre-existing condition that is excluded from cover
  • If you travel to a country for which the Australian Government Department of Foreign Affairs and Trade (DFAT) has issued a "Do Not Travel" advisory
  • If you travel against medical advice
  • If your claim arises because you were under the influence of alcohol or drugs

All policies are different, so make sure you check the relevant PDS for a full list exclusions.

How to find the best travel insurance for...

Every traveller is different, which is why finding the best policy is so hard. These guides should help you narrow down your search:

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14 Responses

  1. Default Gravatar
    MarkAugust 7, 2019

    can You include car rental insurance in with travel insurance? How do I get a quote for both?

    • Avatarfinder Customer Care
      NikkiAugust 7, 2019Staff

      Hi Mark,

      Thanks for your inquiry. When you hire a car, you are asked to pay an additional fee to reduce your excess in the case of an accident. However, comprehensive international travel insurance can cover rental car insurance excess for international trips and even domestic comprehensive travel insurance can cover you for domestic trips. Here is a page that explains how travel insurance covers car rental excess cover. Contact your preferred insurer to get a quote for comprehensive travel insurance.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  2. Default Gravatar
    SandraNovember 26, 2017

    I am about to travel soon. My flight is via Bali to KL. I haven’t bought the Travel insurance. Considering the volcanic eruptions situation in Bali which is the best travel insurance to get ? Thanks in advance

    • Default Gravatar
      AsiaNovember 27, 2017

      Hi Sandra,

      Thank you for your inquiry.

      As we are a comparison website, I’m afraid we cannot give an advice on which is the best travel insurance you can get because the decision is based entirely on your preferences. But, we do have a page that you can compare your travel insurance options. You may refer this information to the link address here:

      I hope this information helped,


  3. Default Gravatar
    StevenMay 26, 2016

    I am new to travel insurance, how does it work, for example if i get hurt while away ,does the insurance pay the hospital directly from day one or do i pay ,then claim it when i come back to australia

  4. Default Gravatar
    MarieNovember 23, 2015

    Is there a travel insurance cover for cancellation of trip due to threat of terrorism before we travel to a particular country

    • Avatarfinder Customer Care
      RichardNovember 23, 2015Staff

      Hi Marie,

      Thanks for your question. Many policies do cover you for cancellation, trip delay and additional travel expenses that are the result of an act or threat of terrorism. However, whether or not you’ll be covered will depend if there is an advisory issued by the Australian government, such as a do not travel warning, or if the act of terrorism is a known event.

      I hope this was helpful,

  5. Default Gravatar
    RobynJuly 8, 2014

    Why can’t I type in departure date?

    • Avatarfinder Customer Care
      WilliamJuly 8, 2014Staff

      Hi Robbie,

      Thank you for your comment. You should be able to select your departure date by clicking on the departure box and selecting from the menu. The form does not currently allow users to type in dates, only select from the box.

      Thank you,


  6. Default Gravatar
    jocelynFebruary 27, 2014

    Do any travel insurance policies cover airlines collapsing?

    • Avatarfinder Customer Care
      ShirleyFebruary 27, 2014Staff

      Hi Jocelyn,

      Thanks for your comment.

      Australian Travel Insurance, QBE, Travel Insuranz, Commonwealth Bank Travel Insurance may cover a financial collapse up to a certain limit – please double check the fine print before committing to anything.


  7. Default Gravatar
    JulesFebruary 24, 2014

    I’m a frequent traveller, but as my parents are now elderly, I am contemplating the scenario that at some point I may have to cancel travel arrangements prior to leaving date or cancel mid-trip to come home to care for my parents in an emergency. Does either or both “cancellation policy” or “family emergency” cover this scenario.

    • Avatarfinder Customer Care
      ShirleyFebruary 25, 2014Staff

      Hi Jules,

      Thanks for your comment.

      This actually depends on the insurer and how they word their policies.

      It can be either their cancellation policy or their family emergency – before committing to anything, it’s important to read the PDS so you know which specific cover it is. If you have any doubts, it’s best to contact the travel insurer directly to clarify.


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