Best* travel insurance

Heading on a holiday? Discover how to find the best travel insurance for you.

There is no single travel insurance policy that is best for everyone, but there are some key strategies you can use to find the perfect policy for you.

What works for you will vary based on a wide range of factors, including everything from your cover needs to your travel insurance budget, so let’s take a closer look at how to find the best travel insurance for you.

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How can I find the best* travel insurance?

To find the best travel insurance for your next trip, follow these simple steps:

  1. Think about what cover you need. Take some time to consider the holiday you have planned. Where are you going and how safe or risky is that country as a travel destination? How long will your trip be? What activities will you be participating in on your journey? Do you want cover for the essentials only, such as cancellation costs and overseas medical emergencies, or would you prefer a policy that covers a much broader range of events?
  2. Think about your budget. How much are you willing to spend on travel insurance? Cost should never be the only factor you consider when choosing a policy, but working out your budget will help you choose the level of cover you want. A big mistake travellers make is purchasing a policy purely based on its price tag. Selecting the cheapest option can mean that you’re not covered for essential factors. This could lead to you being more out of pocket if something bad were to happen on your trip.
  3. Get quotes. To get an idea of how much you’ll need to pay for the travel insurance you want, obtain quotes from multiple insurers. See how they stack up against the competition and work out what you will get for your money.
  4. Compare policies. Look at the benefits, limits and exclusions of each policy to work out which one offers the right cover. Read the PDS closely to assess each policy and understand what is included and excluded in your policy. This will help you work out which insurer offers the best value for money.
  5. Buy cover and relax. Once you’ve purchased a policy, cover for cancellation costs begins straight away, leaving you free to relax and head away on holiday with complete confidence.

What does the best* travel insurance cover?

The best travel insurance policies include a broad range of benefits. However, the benefits included will vary depending on whether you choose a budget or a comprehensive travel insurance policy.

Common features of budget travel insurance policies

Budget travel insurance is designed to combine affordable premiums with cover for a few essential travel risks. It provides the following benefits:

  • Overseas medical expenses. This includes cover for the cost of emergency ambulance transport, medical treatment, surgical fees and hospital accommodation. Many policies offer unlimited cover for your overseas emergency medical expenses.
  • Overseas dental expenses. Limited cover is also provided for emergency dental expenses incurred overseas.
  • Hospital cash allowance. You’ll receive an ongoing benefit while hospitalised overseas to help cover any out-of-pocket costs, such as newspapers, TV rental and phone calls.
  • Additional accommodation and travel expenses. This benefit covers the additional travel and accommodation expenses incurred by your travelling companion if you suffer a serious illness or injury on your journey and they need to remain with or escort you. It also covers the expenses incurred by a relative to come and stay by your side, or the extra costs involved if you’re forced to cut short your journey.
  • Medical evacuation and repatriation. Many of the best policies will also include cover for medical evacuation costs or repatriation back home to Australia when recommended by your doctor.
  • Cancellation costs. If you’re forced to cancel your trip due to unforeseen circumstances beyond your control, such as if you’re made redundant or a relative dies unexpectedly, the best travel insurance will cover the cost of any cancellation fees you need to pay and any pre-paid deposits that cannot be refunded.
  • Lost, stolen and damaged luggage. If your luggage or personal items are lost, stolen or damaged on your trip, travel insurance pays for the cost of their repair or replacement.
  • Personal liability. If, as the result of a negligent act during your journey, you’re responsible for injuring someone else or damaging their property, this benefit covers your legal liability cover.

Common features of comprehensive travel insurance policies

Meanwhile, comprehensive insurance is designed to offer a much higher level of cover. If you choose a high-quality comprehensive policy you can expect cover for all of the above, often to increased benefit limits, as well as the following features:

  • Permanent disability. Your policy will pay a lump sum benefit if you become totally and permanently disabled as a result of an accidental injury during your trip.
  • Accidental death. Your loved ones will receive a lump sum benefit if you die as a result of an accidental injury during your trip.
  • Loss of income. This benefit provides cover if you sustain an injury during your trip and are unable to go back to work when you return to Australia.
  • Resumption of journey. If you had to cut your trip short and return to Australia due to a sudden serious injury, sickness, disease or death of a relative or business partner, travel insurance covers the reasonable costs you incur to resume your trip.
  • Luggage delay. If an airline temporarily misplaces or misdirects your luggage, you’ll receive a cash benefit to help you buy emergency essentials like toiletries and a change of clothes.
  • Travel delay. If your scheduled transport is delayed for six hours or more, you’ll receive cover for the additional accommodation and meal expenses you incur.
  • Alternative transport expenses. If unforeseen circumstances outside your control affect your chances of getting to a pre-arranged event (such as a wedding or business conference on time), your policy can cover the additional costs you incur to get there in time.
  • Credit cards and money. This benefit covers the theft of cash and credit cards during your trip, including protection if you become a victim of credit card fraud.
  • Passports and travel documents. This benefit ensures that you are covered for the repair or replacement of lost or stolen passports and other important travel documents.
  • Rental vehicle insurance excess. If your rental car is involved in a collision, maliciously damaged or stolen, your policy provides cover for the rental company insurance excess.
  • Domestic pets. If your trip home is delayed by circumstances outside your control, this benefit covers additional boarding kennel and cattery fees.

What other features should I look for in a policy?

It's quite common for people to go with the first policy they see, whether it is because it offers a low premium or because they just can't be bothered to keep looking. There are lots more features to keep an eye out for when comparing policies, including:

  • 24/7 emergency assistance. The best travel insurance will be backed by a 24/7 emergency assistance hotline that can be contacted from anywhere in the world. This allows you to access the help you need, such as locating medical assistance, organising medical evacuations and sending messages to family.
  • Cover for pre-existing conditions. Each insurer has conditions for the acceptance of pre-existing medical conditions. The PDS should clearly state what is and isn't covered. In the event that your condition is not covered, you may need to contact the insurer to discuss other options.
  • Cover for your expensive items. Are you planning on taking valuable items with you, such as a laptop or digital SLR camera? If so, many policies allow you to register high-value items for additional cover. It is crucial that you check if there is a sub-limit for each item. As an example, you may have $10,000 in cover for high-value items but a claim limit of $1,500 per item.
  • The excess payable when you claim. Many policies allow you to pay a small fee to remove any excess that is payable in the event of a claim. This fee is usually around $25 and might be worth considering when you apply for cover.
  • Cover for your family. Most policies allow you to include your spouse, children or grandchildren on your policy provided they are travelling with you for the duration of the journey.
  • Optional extras. Look for any optional covers that can be added to your policy for an extra cost, such as winter sports cover or adventure sports cover. These options allow you to tailor cover to suit your needs.

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Which is the best* travel insurance company?

While there is no such thing as the best travel insurance company, there are several factors worth keeping in mind when comparing travel insurers. It really comes down to your own cover requirements and budget, but here are some crucial points to consider when comparing different options:

1. Who is the policy underwritten by? Is it a reputable brand?

  • It’s easy to get overwhelmed with the sheer number of insurance brands and policies available, but there are really only a handful of companies thatactually issue and underwrite the policies. Get cover that's backed by a highly regarded underwriter and claims team to ensure you receive adequate emergency assistance and that your claim is handled swiftly and efficiently. Major underwriters to look for include Allianz, AIG, ACE, Lloyd's of London, Mitsui Sumitomo and QBE.

2. Is reputable emergency assistance available 24/7?

Any insurer you choose should have its own 24/7 emergency assistance team to provide overseas and domestic support when needed. This is an essential feature to ensure that you can always access help no matter where you are in the world.

3. Is the customer service reputable?

Can you contact the insurer at any time of day and speak with an actual person? Is there an online chat service available? Make sure the insurer you choose is always easy to contact and deal with.

4. Is there a range of policies on offer?

Of course, you’ll also need to check the range of policies the insurer offers. Is there a policy that suits your budget and your cover requirements? Can it be tailored to suit your specific holiday, such as with optional winter sports cover or cover for high-value items? A little research can go a long way to help you find the best insurer. Look for brands offering a range of policies that offer additional protection and are not just the same policy with a fancy name to draw in more customers. Most leading brands are now offering policies geared towards specific types of travel, such as cruises, winter sports or business travel.

5. Are they flexible to work with?

If you're not 100% sure about how your travel plans will unfold, it's worth looking for a provider that lets you make adjustments to your policy before and after the policy commences. This could include adding additional family members to your policy, upgrading your cover with additional options or extending your policy while overseas.

6. What have other travellers' experiences been like?

What an insurer’s marketing department tells you can sometimes be very different to the service the company ends up providing, so try to find out what sort of experiences other customers have had with the insurer. Read online reviews and ask family and friends for their recommendations. Keep an open mind when reading online user reviews; one disgruntled customer might not really reflect the true quality of the provider.

What’s not covered by travel insurance?

To find the best travel insurance you not only need to look at what’s covered by a policy, but also what’s not covered. Some common travel insurance exclusions are:

  • No cover if you intentionally or recklessly put yourself in danger
  • No cover if your claim is for consequential loss of any kind, for example loss of enjoyment
  • No cover if your claim arises because you engage in manual labour on your journey (note that some policies will cover working holidays)
  • No cover if your claim arises because you breach a government prohibition or regulation
  • No cover if you fail to get the correct visa
  • No cover if you fail to obtain a passport in time to travel
  • No cover if you drive a vehicle without a current Australian licence or a licence valid for the country you are driving in
  • No cover if your claim arises due to any errors or omissions in your booking arrangements
  • No cover if your claim arises due to an act of war
  • No cover if your claim arises due to a pre-existing condition that is excluded from cover
  • No cover if you travel to a country for which the Australian Government Department of Foreign Affairs and Trade has issued a ‘Do Not Travel’ advisory
  • No cover if you travel against medical advice
  • No cover if your claim arises due to mental illness
  • No cover if your claim arises because you were under the influence of alcohol or drugs
  • No cover if you participate in any professional sport, dive to depths greater than a certain limit (for example 10 metres), or participate in any adventure activity excluded from cover

Check out our guide to travel insurance exclusions for more information on when you won’t be covered.

Issues with underinsurance

If you’ve already maxed out your credit card paying for a round-the-world holiday, you might be hesitant to fork out a large sum to pay for travel insurance. However, don’t be tempted to skimp on cover in order to lower the cost of your premium.

Underinsurance is a real risk and it can have serious financial consequences. To illustrate just how dangerous underinsurance can be, let’s look at a couple of case studies.

Pam's ski holiday disaster

Pam is planning a two-month trip across Europe taking in a host of world-renowned attractions. When choosing travel insurance for her trip, Pam is keen to find cheap cover so she can save some extra spending money. She chooses a basic policy and decides not to add any optional extras to tailor cover to her needs.

Then, while on a day trip in the Swiss Alps, Pam decides to try her hand at a morning’s skiing. But when Pam overestimates her snow skills and crashes into a tree at high speed, she’s seriously injured and has to be evacuated to the nearest hospital by helicopter. She is then hospitalised for a week as she receives treatment and recovers from her injuries.

All up, Pam’s evacuation and treatment costs almost $30,000. Unfortunately, Pam didn’t add the insurer’s optional snow sports package to her travel cover when purchasing a policy, so any claims resulting from her time on the slopes aren’t covered by her policy. This means Pam needs to pay those medical bills out of her own pocket.

Paul's camera catastrophe

Paul is a keen amateur photographer who can’t wait to capture some beautiful sunsets on his Hawaiian holiday. He packs his $9,000 digital SLR camera for the trip and upon seeing that his travel insurer provides $12,000 cover for luggage and personal items, he assumes he has adequate cover in place. The insurer offers the option to increase cover for high-value items but Paul doesn’t want to pay any more for his premium.

However, what Paul doesn’t realise is that the insurer imposes a per-item sublimit of $1,500. So when his hotel room is broken into and his camera is stolen, Paul is dismayed to find that he only has $1,500 of cover to replace a $9,000 camera.

Pam and Paul’s examples show just how important it is to choose a travel insurance policy that provides sufficient cover for all the risks you may encounter on your trip.

Should I get single trip or annual trip travel insurance?

Another factor to consider when choosing travel insurance is whether or not you need single-trip or multi-trip travel insurance. As its name suggests, a single-trip policy covers you for just one trip, providing the cover you need for your journey from start to finish.

However, if you’re a frequent traveller who takes two or more trips a year, you may benefit from an annual multi-trip policy. This type of policy provides cover for all the trips you take across a 12-month period, and it can work out to be a whole lot cheaper than if you purchase a separate policy for each individual trip.

It’s worth getting a quote to see whether multi-trip cover offers better value for money.

Single tripAnnual multi-trip
  • Great if you have specific cover requirements, e.g. 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 three times per year
  • Can provide cover for multiple destinations
  • Maximum length of individual trips usually 45–90 days

Best* travel insurance for seniors

Just because you’re 65 or over doesn’t mean you can’t travel the world and have a whale of a time doing it. It also doesn’t mean you can’t find travel insurance cover. Keep the following tips in mind to help you find the best travel insurance for seniors:

  • Age limits. Insurers will only provide cover for travellers up to a certain age. While a few set this limit at 65 years, others increase it to 70, 75, 80 or even higher. Contact the insurer for details on the maximum age at which you can take out cover.
  • Age loadings. If you’re 60 years of age or older, be aware that many insurers will want you to pay a premium loading in order to purchase cover. This is simply due to the fact that older travellers face an increased risk of injury and illness.
  • Pre-existing conditions. It’s common for many pre-existing conditions to be excluded from cover. Even some conditions that may normally be covered, such as asthma, may not be included in cover for travellers above a certain age.
  • Specialist insurers. A number of insurers specialise in cover for senior travellers, so remember to include their policies when comparing your options.
  • Shop around. The most important thing to remember is to compare a wide range of policies before choosing just one. This will help you find the best value for money.

backpacker  2

Best* travel insurance for backpackers

Planning a carefree backpacking adventure? Make sure good-quality travel insurance is the first item you put in your backpack. Here are a few tips to help you find the best travel insurance for backpackers:

  • Cover for long periods. It can be pretty hard to put a time limit on a backpacking holiday, so you’ll need to find a policy that can cover long trips. While many insurers offer policies to cover trips of a maximum duration of one year, others allow you to extend cover for a period of up to 18 months.
  • Cover for multiple destinations. Many backpackers head out with little more than a rough idea of where they’d like to go, while others only have an initial destination and no concrete plans after that. This is why it’s important to find a policy that covers a variety of destinations around the world without requiring you to provide a specific itinerary when you apply for cover.
  • Cover for working overseas. If you need some extra money to fund your travels, you’ll most likely need to find some sort of work overseas. With this in mind, look for a policy that provides cover for working holidays.
  • Cover for adventure activities. Do you like spicing up your holidays with a little extra adventure? If so, keep in mind that many insurers exclude high-risk activities from cover, so you might need to purchase optional adventure sports cover when you buy a policy.
  • Protecting your valuables. Whether it’s a camera, a laptop or even your camping gear, it’s essential that you protect all those valuable items in your backpack. Keep an eye out for low limits and sublimits that may provide insufficient cover for your high-value items, and check with your insurer to see whether it will cover the theft of your items when staying in shared accommodation.

Best* travel insurance for USA

Heading to the good ol’ US of A? Keep the following tips in mind when searching for the best travel insurance cover for the USA:

  • Unlimited medical cover. It’s been pretty well publicised just how much medical treatment in the US costs if you don’t have health insurance, so make sure you look for a policy that provides unlimited cover for your overseas medical expenses. If you don’t have cover and you suffer a serious illness or injury on your American adventure, the financial consequences could be disastrous.
  • Travel disruption. Tornadoes, wildfires, floods, hurricanes and more – the US has its fair share of extreme weather events each year and they can play havoc with your travel plans. With this in mind, it’s worth looking for a policy that covers travel disruptions such as cancelled flights and closed accommodation.
  • Crime. Crime is a risk at any major tourist hotspot around the world, so if you’re seeing the sights in LA or New York City then it pays to keep your wits about you. It also pays to have a policy that provides ample cover for the theft of your belongings.
  • Additional cover options. Planning a golfing or skiing holiday in the US, or thinking of indulging in a few adventure activities? If so, you may want to add optional cover for these activities.
  • Rental vehicle cover. There are few more iconic holiday experiences than a road trip across the USA, but make sure your travel insurance policy provides cover for the rental company’s insurance excess if your car is crashed, stolen or damaged.

Best* travel insurance for Australia

Planning a holiday right here at home? If so, you’ll need to compare a range of domestic travel insurance policies to find the one that’s right for you.

  • Cancellation cover. Unforeseen circumstances, such as your home being severely damaged in a natural disaster or a relative unexpectedly passing away, can force you to cancel your holiday. Look for a policy that can cover your expensive cancellation fees and non-refundable deposits should this happen.
  • Rental vehicle cover. If you’re hiring a rental car on your journey, travel insurance to cover the rental company’s excess following an accident, malicious damage or theft is hugely beneficial. Your policy can also cover the cost of returning the vehicle to the nearest rental depot if you’re medically unfit to do so.
  • Lost, stolen and damaged luggage. Insurance protection for your luggage and personal items is just as important in Australia as it is anywhere else in the world. Just remember to read the PDS closely for details of cover limits and any sub-limits that apply to individual items.
  • Cheap doesn’t mean best. Just because a domestic travel insurance policy is cheap doesn’t necessarily mean it’s right for you. Compare the features and exclusions of a range of policies to find ideal cover.

Best* travel insurance for Bali

Bali has long been a favourite holiday spot with Australian travellers, so here’s what you need to know about finding travel insurance for your Balinese getaway:

  • Overseas medical expenses. It’s essential to find a policy that provides a high level of cover for your overseas medical expenses. In parts of Indonesia the standard of medical care is well below Australian standards, and the best course of action if you’re ill or injured on your holiday may be medical repatriation to Australia. This can be extremely expensive, so make sure it’s covered by your insurer.
  • Cancellation cover. This is a crucial type of protection no matter where you’re travelling, so make sure it’s included on your Bali travel insurance policy. It guarantees that you won’t end up out of pocket if circumstances outside your control force you to call off your trip.
  • Motorcycle cover. If you plan on getting around on two wheels in Bali, make sure you have a valid licence. In addition, make sure your travel insurer will cover you for any claims arising from motorcycle or scooter use.
  • Water sports cover. Bali is the perfect place to indulge in some relaxing (and some not-so-relaxing) water sports. Make sure any water-based activities you plan on enjoying are covered by your policy.
  • Be wary of exclusions. Make sure you’re aware of when your policy will not provide cover. For example, did you know you won’t be covered if your claim arises because you were under the influence of drugs or alcohol, or that some insurers won’t provide cover if you ride a motorcycle above a certain power limit?

Best* international travel insurance

What is the best international travel insurance policy? Once again, there’s no way to answer this question in a way that’s accurate for all travellers. The simple fact is that the best travel insurance for an international holiday can vary depending on where you’re going, what you’re doing on your trip, how long you’ll be gone for, the level of cover you want, how much you’re willing to pay for insurance and a whole lot more.

With this in mind, the only way to find the best international travel insurance is to decide what type and level of cover you want, and thencompare a range of policies that provide all the necessary benefits. Check the features, cover limits and exclusions across a range of policies and then compare quotes to find the best deal.

Best travel insurance for pre-existing conditions

Having protection against illness or injury is one of the most important reasons for taking out travel insurance. If you have apre-existing medical condition, you have to inform your insurer of this fact when applying for cover.

Many travel insurers will automatically cover you for some pre-existing medical conditions without imposing a loading. These conditions commonly include asthma, diabetes, uncomplicated pregnancy (up to 23 weeks) and more. Other insurers will impose an extra charge on your premium before they'll agree to cover you.

If your condition isn’t on an insurer’s list of automatically covered pre-existing conditions, contact the insurer to ask if it’s possible to obtain cover. One of three things will then happen:

  • You obtain cover after undergoing medical screening and paying an additional premium
  • The insurer agrees to cover you but any claims resulting from your pre-existing condition will be refused
  • The insurer refuses to cover you altogether

Be upfront and honest with your insurer, answer all questions truthfully, and compare a range of policies to have the best chance of finding the cover you need.

I still have some questions about finding the best* Australian travel insurance

Travel cover is crucial for ensuring that in the event you suffer a loss overseas, you minimise your financial expenses. This section provides an overview of some key considerations to make when looking for a policy.

A. It's important to consider any other types of cover you already have in place that may be able to provide support in the event of a loss. This may lead you to consider more affordable cover and in doing so you can get the best value travel insurance.

  • Home and contents insurance. Many home contents insurance policies include a clause that insures your personal possessions when you are away from home.
  • Life insurance. In the event of your death while overseas the proceeds from your life insurance policy can be used to bring your body back home. You may also have permanent disability cover and other types of protection that can be called on to pay any hospitalisation or repatriation costs if you fall ill or become injured while away.
  • Car rental cover. You may already have a comprehensive car insurance policy in place that will cover you for the excess payable in the event that your rental car is crashed, damaged or stolen.

A. Many credit cards provide complimentary travel insurance. You have to check the quality of cover and level of benefits these services offer as many of these insurances are quite basic. The basic cover most of them provide includes travel accident cover, which gives you financial protection should you become seriously injured as a result of an accident. While the premiums may be low, the excess charged is also usually significantly higher and you generally have to pay for all or part of the trip with the card to activate the cover.

A. Many insurers require senior travellers to take out a specialised policy, often with a premium loading, to account for the additional risk that they present to the insurer. Senior travellers may need to undertake a round of medical underwriting to uncover any risks that they present to the insurer.

A. If you are a backpacker it pays to check out any limitations the insurer may place on the length of time you are covered for. Most insurers put a limit of 31 days on a trip and if you are a backpacker who isn't quite sure how long you'll be staying, this could be quite a restrictive option. A way around this is to seek out specialist backpacker, long stay or gap travel insurance. These policies usually cover you from three to 18 months across many countries.

A. Most policies will give you the option to select a basic travel insurance policy or comprehensive cover. Each will offer varying levels of cover with premiums obviously higher for comprehensive cover options. Deciding what option is right for you is a matter of:

  • Considering your travel plans and what you actually need to be covered for
  • Considering what other forms of insurance or compensation you are entitled to
  • Reviewing what excess is payable for claims on basic policies
  • Considering your budget. While it is not ideal to base your decision on the premium charged, price may be an important consideration for some buyers

A. Without travel insurance you could find yourself in a very difficult position when it comes to paying for the costs that result from situations such as lost or stolen luggage and medical or dental emergencies. Getting the top travel insurance you can afford may help to minimise these costs.

A. Basic travel insurance does not tend to cover specialist needs such as extreme sports , travelling whilst pregnant, pre-existing illnesses and the like. However, it does usually offer valuable protection in events such as:

  • Medical illness or emergency
  • Your luggage and personal effects lost or damaged
  • Airline or travel company issues
  • Cancellations

A. You may have special needs that require more cover than a standard travel insurance policy. For example, you may need to get cover for extreme sports, pregnancy or pre-existing medical conditions. To ensure your needs are met you should check the PDS of the plans you are considering. If you have any questions about the cover, contact the insurer to clear up any queries you may have.

A. You can search for policies that cover cruises on our cruise insurance page. Make sure you are covered for all of the places you are visiting, and where applicable, the various activities you will be taking part in. Many insurers do offer cruise travel insurance policies.

A. The cost of travel insurance is based on a number of factors so there is no general answer to this question. However, comparing deals and top travel insurance policies enables you to try and find the most affordable travel insurance. Some of the things that may affect the cost of your travel insurance cover include:

  • The level of coverage you take out
  • The provider you choose to take out your cover with
  • Whether you have any specialist needs when you take out your cover
  • The destination you are travelling to
  • The length of time you are going for
  • Whether you take out single trip, multi-trip, family or group travel insurance cover
  • Your medical history and general health
  • Your age when you travel
  • The type of activities you will be taking part in while you are away

A. Some travel insurance brands offer protection for various excursions and day trips. You should always check with your specific provider (if it is not made clear in the policy).

A. The easiest way to find travel insurance that is affordable and suits your needs is by comparing deals online. There is an abundance of choice available online, which means that you have a better chance of finding cover that suits both your needs and budget. It's essential to compare travel insurance plans and providers if you want to get the right plan at the right price, as there are so many plans on the market and the cost can vary widely.

A. It is advisable to take out travel insurance cover as soon as you have booked and paid for your trip. This way you can be covered for cancellations or if your travel company or airline goes bust, which means that you can get back your prepaid costs and deposits.

A. The excess on any insurance policy is the amount that you will have to pay from your own pocket before you receive any payout. So, if your excess is $300 and you claim for $1,000, you will only receive $700 because the first $300 comes from your own pocket. If your claim is therefore the same as or less than your excess there is no point making the claim because you will receive nothing. You will generally find that there is a higher excess for cheap travel insurance policies than with the more expensive.

A. You can get travel insurance cover if you are pregnant but you should bear in mind that there are restrictions and exclusions. Many insurers offer insurance if you are 26–30 weeks into your pregnancy but will insist that you travel back no later than eight weeks before your due date because of the risk of premature birth.

For a full guide on how to get cover, head to our travel insurance for pregnancy page.

A. Annual trip policies are only available for a period of 12 months so it is not possible to extend cover beyond this period. Single trip policies can be extended by contacting your insurer and requesting the necessary policy extension documentation. Single trip policies can be extended provided the cover does not surpass 12 months in total.

PDS Glossary: What do each of the features mean?

When poring over your Product Disclosure Statement (PDS), it's important to know what each of the features means, and how they will cover you. Read up on the most common features and extras, so you can find a policy that fits the bill.

Feature
How can it help me?
Overseas hospital expensesMake sure your policy has a high limit for emergency medical and dental; the best value travel insurance policies normally make this one of the focal points of their cover.
24-hour emergency assistanceThis type of cover gives you protection 24 hours a day. This cover will often include ambulance fees, funeral arrangements and messages to family.
Luggage and personal itemsMake sure you find a policy that covers for the loss or damage of your personal items while travelling.
CancellationThis is one of the most important sections of cover to pay attention to when looking for the best Australian travel insurance, as it covers for cancellation of flights, tours and other prepaid travel costs. Conditions for cancellation vary between insurers so check the fine print.
Travel delaysSome policies provide cover if your flight is delayed for more than 12 hours.
Family emergencyFamily emergency covers additional expenses related to travelling and accommodation expenses if your partner or travelling companion becomes seriously ill or injured.
DentalSome policies provide cover for dental expenses if you experience acute pain while travelling.
Hospital cash allowanceA hospital cash allowance provides a benefit for a specified number of days if you are required to stay in hospital while overseas.
Accidental deathThis is a lump sum benefit paid for accidental death that occurred on your journey or within the 12-month period following.
Loss of incomeIf you suffer a loss of income due to an insurable event and are unable to work to your full capacity after returning home, this cover pays a benefit to help you cope with the bills.
FraudCredit card loss and fraud covers the replacement cost following loss and use of your credit card on your journey.
Alternative transportIf you have a special event such as a wedding, funeral or conference and you experience a delay with your transport, you will be compensated for additional transport that you have had to take as a result.
Personal liabilityMost policies cover legal liability for any claims made against you following bodily injuries or damage to property. However, be wary of some budget travel insurance policies, as these sometimes offer a lower limit when it comes to liability insurance.
Rental vehicle excessFind a policy that covers for excess charged by rental companies following crash, damage or theft of your rental vehicle.

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10 Responses

  1. 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

  2. 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

    • Staff
      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,
      Richard

  3. Default Gravatar
    RobynJuly 8, 2014

    Why can’t I type in departure date?

    • Staff
      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,

      Will

  4. Default Gravatar
    February 27, 2014

    Do any travel insurance policies cover airlines collapsing?

    • Staff
      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.

      Cheers,
      Shirley

  5. 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.

    • Staff
      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.

      Cheers,
      Shirley

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