| Info | Price | Next Step |
|---|---|---|
Gold Policy
|
$152.20 | Go to site |
|
Top
|
$171.70 | Go to site |
|
International Comprehensive - Single Trip
|
$143.04 | Go to site |
|
Comprehensive
|
$179.99 | Go to site |
|
Comprehensive including Cruise
|
$262.99 | Go to site |
|
Comprehensive
|
$348.21 | Go to site |
|
Comprehensive with Snow Sports
|
$453.56 | Go to site |
|
Silver Policy
|
$142.38 | Go to site |
|
Deluxe
|
$183.78 | Go to site |
|
Excel Plus
|
$190.97 | Go to site |
Commercial partners or advertisers have no bearing on the Finder Score. However, it doesn't take into account your personal circumstances and this list only includes providers available on Finder.
If you're looking for the best travel insurance on the market, it's usually hard to get a clear answer. Price, coverage, benefit limits, exclusions – there's so much consider, which is why we've come up with the Finder Score.
Keep in mind: This doesn't take into account your personal circumstances and we haven't looked at all providers on the market.
2.6 million
Quotes served since 2014
3,000
PDS features analysed
1,200
Recent travellers surveyed
300+
Insurance plans analysed
Insights and analysis by
Reviewed by
When people find out I've written more than 800 insurance articles for Finder, the main thing they usually want to know is which insurance is best. The answer is that it really depends on your needs. To help you answer this, our team has spent 200+ hours researching over 50 travel insurance policies, including those not currently available on Finder.
We've hand-picked 4 based on customer reviews, our own experiences travelling and other features we feel are worth calling out. If you're looking for more than price and coverage, these are some of the policies we feel are worth considering.
International Comprehensive
Overseas medical cover
Unlimited
Trip cancellation cover
$2,500
Luggage & belongings cover
$25,000
Our verdict
Great for value
If you're looking for a good value and trustworthy insurer, it's hard to look past Southern Cross. It has a really high customer rating. We also found its Product Disclosure Statement (PDS) much easier to understand than any other travel insurer. I've personally used them before and found their customer service to be really helpful too.
International Comprehensive Plan
Overseas medical cover
Unlimited
Trip cancellation cover
Unlimited
Luggage & belongings cover
$15,000
Our verdict
Great for COVID cover
The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays, Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.
Top
Overseas medical cover
Unlimited
Trip cancellation cover
Unlimited
Luggage & belongings cover
$15,000
Our verdict
Great for families
World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.
Domestic Gold
Rental car excess
$7,500
Trip cancellation cover
$50,000
Luggage & belongings cover
$8,000
Our verdict
Great for domestic travel
InsureandGo's Domestic Gold is ideal for budget-friendly trips in Australia. It's half the price of the average domestic policy which is largely why it won Finder's 2023 Best Domestic Travel Insurance Award. Cancellations, travel delays and rental car excess cover are all automatically included. The main drawback is its Product Disclosure Statement (PDS) which we found confusing. There are several instances where you won't be covered for specific events such as cancellations.
Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.
You can add on additional extras to all of these policy types, such as adventure activities and skiing.
Some credit card travel insurance policies are pretty good now. "Finder analysis in 2023 found that there are at least 14 providers and 58 cards that offer some form of COVID cover," says Amy Bradney-George, Finder's credit card specialist.
Be careful though. Many still fall below the standard of a standalone policy. For example, Amy also found that Qantas Money's policy doesn't cover any pre-existing conditions. It's also often not worth claiming for less expensive mishaps. Credit card travel insurance often charges a $500 excess compared to standalone travel insurance, which varies from $100 to $250.
There's no criteria in travel insurance for what qualifies as a comprehensive, standard or basic policy. The Finder Score is a good way to compare how much a policy covers. It's a score out of 10. The bigger the number, the more comprehensive it is.
Basic policies cover you for unlimited medical expenses, repatriation and personal liability. These are some of the less-often covered features to consider:
COVID-19 cover
Make sure the travel insurer offers Covid cover; it's still a common issue. "Covid makes up 11% of all claims paid to customers," CEO of SCTI Jo McCauley told Finder.
Pro tip: ahm, Medibank and Travel Insurance Saver all cover cancellation/rearrangement costs for up to $10,000. Most insurers have a $5,000 cap.
Trip delays and cancellations
1 in 7 Australians endured travel delays in the past year. Insurance can reimburse you for flights, accommodation, meals and more.
Pro tip: Insurers don't use consistent terminology for these benefits which can be very confusing. A good rule of thumb for you – make sure the benefit amount would be enough to cover the cost of your trip.
Delayed luggage
This pays for essentials if your luggage is delayed – you can usually claim after a 12 hour delay. This benefit is different to luggage and personal belongings which covers you if personal items are damaged, stolen or lost.
Pro tip: Look for a policy that covers both delayed luggage and luggage and personal belongings.
Pre-existing medical cover
Providers offer cover depending on your personal circumstances. Most ask what conditions you have when you get a quote.
Pro tip: If you get a quote through Finder, check the pre-existing medical assessments column. A tick means they're open to covering you.
Rental vehicle excess
If you're renting a car, and something goes wrong, from a chipped windscreen to an accident, this can cover you for the excess. (Some insurers also offer motorcycle cover.)
Pro tip: If you get this, you don't need to pay the car hire company's extra charge.
Discounts
A good way to pay less. Just make sure you understand the policy and what it covers. Don't compromise on cover for the sake of a few dollars.
Pro tip: See which insurers on Finder are offering discounts when you use our travel insurance engine..
Read the PDS
It can be tedious but it's worth it. "Read the exclusions in the Product Disclosure Statement that comes with your policy," says travel writer and photographer Michael Gebicki. "There are quite a few ways you can void your travel insurance policy and it's vital you know what they are." Make sure you also check the travel advice on Smartraveller and subscribe for updates.
Our quote engine has taken the hassle out of comparing travel insurance. It lets you compare prices from 11 brands in seconds – that's more than any other site in Australia. All you need to do is:
We don't ask for any personal information and we won't call you.
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