Cruise add-on
Pregnancy add-on
Motorcycle/scooter add-on
Snow add-on
Car rental excess cover
Additional device cover
Cover for pre-existing medical conditions
Cover for adventure sports
Cover for natural disasters
Must-haves
Nice-to-haves
Looking for other insurance options?
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Best travel insurance
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We can help you find the best travel insurance by ranking policies from the most comprehensive to the least. 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.
Just remember that when you're looking for the best travel insurance, you need to consider your own circumstances to make sure you get the right policy.
Find the best travel insurance policy for you
As of 18 March 2020, Smartraveller has raised its travel advice to "Do not travel" overseas and is urging Australians abroad to come home as soon as possible. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information. We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.
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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.
Know your underwriter
By choosing a travel insurance brand that's underwritten by a company that you understand, you can reduce the chance of dispute if you need to make a claim.
Here are some major underwriters in the Australian travel insurance market.
The Hollard Insurance Company Pty Ltd
Auto & General Insurance Company Pty Ltd
Lloyds Australia Ltd
Mitsui Sumitomo Insurance Company Limited
Tokio Marine & Nichido Fire Insurance Co Ltd
Pick your level of cover
Single trip
or
Annual multi-trip
Comprehensive policy
or
Standard policy
or
Basic policy
Choosing the right level of cover is where you can save the most money and still get the best travel insurance for your trip.
Based on your individual needs, think about what you actually need cover for. Do you want ultimate peace of mind? Or do you only really care about medical emergencies?
Only pay for what you need
Review your policy and make sure it has everything you need. You don't want to be under-insured or over-insured. The Finder Rating can give you an idea about how much is included in a policy. Use this as a starting point.
Here are some of the most common add-ons so you can get the right cover.
Cruise add-on
Pregnancy add-on
Motorcycle/scooter add-on
Snow add-on
Car rental excess cover
Additional device cover
Cover for pre-existing medical conditions
Cover for adventure sports
Cover for natural disasters
Buy early
In November 2019, we found that the majority of people who use Finder to compare travel insurance, actually buy their policy a day before they leave or on the same day.
This puts your holiday at risk if something unexpected happens.
Buying your travel insurance early is a smart decision.
Most insurers don't charge extra for buying your policy earlier. This means you can get more protection out of your premium.
Get cover for cancellations or changes prior to departure for when the unexpected happens.
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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.
Must-haves
Medical cover
Flight cancellations and delays
Trip disruption cover
Medical evacuation
Luggage and personal effects
Passport and travel documents
Trip cancellation
Personal liability
Rental car insurance excess
Nice-to-haves
Travel delays
Luggage delay cover
Theft of cash
Loss of income
Hospital cash allowance
Accidental death
Pet care/ domestic service
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 |
|---|---|
|
|
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 Direct | Tick Travel Insurance | Fast Cover | |
|---|---|---|---|
| Policy | Last minute | Basic | Basics |
| Price for 10 days' cover | $47.58 | $29.11 | $26.89 |
| Excess | $200 | $200 | $200 |
| Overseas emergency medical assistance and hospital expenses | Unlimited | Unlimited | Unlimited |
| Luggage and personal effects | $2,500 | $2,000 | Optional |
| Cancellation fees and lost deposits | Not covered | Not covered | Not covered |
*Table was last updated in October 2019
| Budget Direct | Tick Travel Insurance | Fast Cover | |
|---|---|---|---|
| Policy | Essential | Standard | Standard Saver |
| Price for 10 days' cover | $67.10 | $42.65 | $41.99 |
| Excess | $200 | $200 | $200 |
| Overseas emergency medical assistance and hospital expenses | Unlimited | Unlimited | Unlimited |
| Luggage and personal effects | $5,000 | $4,000 | $5,000 |
| Cancellation fees and lost deposits | $12,500 | $5,000 | $25,000 |
*Table was last updated in October 2019
| Budget Direct | Tick Travel Insurance | Fast Cover | |
|---|---|---|---|
| Policy | Comprehensive | Top | Comprehensive |
| Price for 10 days' cover | $69.54 | $50.72 | $47.69 |
| Excess | $200 | $200 | $200 |
| Overseas emergency medical assistance and hospital expenses | Unlimited | Unlimited | Unlimited |
| Luggage and personal effects | $7,500 | $7,500 | $15,000 |
| Cancellation fees and lost deposits | Unlimited | $20,000 | Unlimited |
*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
Keep in mind that the Finder Rating should be used as a guide to finding the best travel insurance. It considers the comprehensiveness of a policy, but not your individual circumstances. If you're every unsure, read the product disclosure statement (PDS) or contact the insurer directly.
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 |
| MEDIAN | 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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Ask an Expert
can You include car rental insurance in with travel insurance? How do I get a quote for both?
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.
Best,
Nikki
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
Sandra
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: https://www.finder.com.au/travel-insurance-bali.
I hope this information helped,
Best,
Asia
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
Hi Steven,
Thanks for your question. When you’ll receive payment will depend both on the situation and the insurer and travel insurance brand. You may find our “Will travel insurance pay my medical expenses up-front?” article useful.
I hope this was helpful,
Richard
Is there a travel insurance cover for cancellation of trip due to threat of terrorism before we travel to a particular country
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
Why can’t I type in departure date?
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
Do any travel insurance policies cover airlines collapsing?
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
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.
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