Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards, customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.
2.6 Million
Quotes served since 2014
3,000
PDS features analyzed
1,200
Recent travelers surveyed
300+
Insurance plans analysed
Our picks
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.
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.
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.
Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.
Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics. That's an annual increase of 500,000+ people.
To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.
| Brand | Finder score | Customer satisfaction rating | Would you recommend this brand? |
|---|---|---|---|
 | 8.8/10 | ★★★★★ 4.17/5 | 90% |
| 9/10 | ★★★★★ 4.16/5 | 81% |
 | 7/10 | ★★★★★ 4.16/5 | 93% |
 | 9.4/10 | ★★★★★ 4.05/5 | 85% |
 | 8/10 | ★★★★★ 4.42/5 | 95% |
 | 8.6/10 | ★★★★★ 4.01/5 | 81% |
 | 9/10 | ★★★★★ 4.13/5 | 80% |
 | 7.9/10 | ★★★★★ 4.11/5 | 87% |
 | 7.1/10 | ★★★★★ 4.10/5 | 84% |
 | 7.4/10 | ★★★★★ 4.11/5 | 85% |
 | 7.4/10 | ★★★★★ 4.16/5 | 91% |
 | 7.6/10 | ★★★★★ 4.18/5 | 88% |
 | 6.9/10 | ★★★★★ 4.18/5 | 85% |
 | 8.2/10 | ★★★★★ 4.24/5 | 89% |
I've got family in the UK, so I've travelled there quite a few times over the last decade. Travel insurance is always a must-have when I go. The UK has reciprocal healthcare arrangements with Australian citizens -- but it's important to remember that this doesn't cover every contingency. Having travel insurance in place before you go is a great way to ensure you've got peace of mind in case the worst happens.— Tom Goodwin, Commercial Content Editor
Most travel insurers offer COVID cover now and most will cover you for similar COVID-related travel expenses. However, there are still some things you can do to make sure you're getting the right policy for you:
Whether you're travelling with your partner or the whole family, make sure that you add them to the insurance policy. That way, if someone catches COVID but you don't, you'll still be covered for expenses.
That way, you're covered if you get sick and need to cancel. A few insurers including Cover-More and Easy Travel Insurance also won't accept COVID-related claims within 21 days of your trip, so make sure you take out cover at least 3 weeks before you jet off.
It can be tedious but make sure you give the exclusions in the PDS a read before you buy. For example, you won't be covered for costs related to border closures. It means that you might be out of pocket for prepaid accommodation or booked airline tickets if the government of that country imposes a lockdown.
Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.
Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.
Their insurer, Southern Cross Travel Insurance, covered just under $3,000 in costs. The family paid a $500 excess to claim on 2 events.
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