Best travel insurance policies Australia

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Video: the best travel insurance for 2025

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Award winning travel insurance

2025 Customer Satisfaction Award Winners

Most Loved

RAA Travel Insurance

RAA was Australia's Most Loved travel insurer for 2025. The insurer received a 4.5/5 for love, a 4.4/5 for trust, a 4.4/5 for customer service and was recommended by 96% of respondents, making it a crowd favourite for many Aussie travellers.

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Easiest to Claim Brand

World2Cover

World2Cover was awarded the title of Easiest to Claim travel insurer, earning a 4.2/5 in claims. Aside from a smoother claims process, World2Cover received a 4.4/5 for value and was recommended by 94% of respondents.

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Most Recommended Brand

NRMA Travel Insurance

NRMA took home the title of Most Recommended travel insurer, with an impressive 99% of respondents recommending the insurer. It also scored highly across other categories, including trust, ease of claims and customer service, with an average rating of 4.3/5.

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Top 3 travel insurance brands for customer satisfaction in 2025

Average scores were calculated internally based on Finder’s 2025 Customer Satisfaction Awards data.

Brand	Overall satisfaction	Trustworthy/reliable
	★★★★★ 4.43	98%
	★★★★★ 4.3	95%
	★★★★★ 4.3	99%

2025 Travel Insurance Award Winners - International

Best International Comprehensive

Southern Cross Travel Insurance

Southern Cross Travel Insurance has been named the best comprehensive travel insurance provider in the 2025 Finder Travel Insurance Awards. It has no restrictive age limits, generous cover of $25,000 for luggage and personal items and the option to extend your cover in line with your trip.

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Highly commended

Fast Cover Travel Insurance

FastCover comes highly commened for its comprehensive policy, which offers optional cover add-ons depending on the type of holiday you have planned.

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Highly commended

1Cover Travel Insurance

1Cover comes highly commened for its comprehensive policy, which offers up to $15,000 cover for loss or damage to luggage and personal items.

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Best International Value

Zoom Travel insurance

Zoom has been named the best value travel insurance provider in the 2025 Finder Customer Satisfaction Awards. It offers unlimited trip cancellation cover in Australia, plus you can tailor your cover so you're not paying for what you don't need.

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Highly commended

Tick Travel Insurance

Tick comes highly commended in the value travel insurance category, thanks to its impressive cover inclusions even within its budget product offering.

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Highly commended

Freely Travel Insurance

Freely comes highly commended in the value travel insurance category, with customers impressed by its app-based customisable policy options.

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2025 Travel Insurance Award Winners - Domestic

Best Travel Insurance - Domestic

Tick Travel Insurance

Tick has been named the best domestic travel insurance provider in the 2025 Finder Travel Insurance Awards. It offers 3 levels of cover for domestic policies and is free for kids under 18 travelling with parents.

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Highly commended

InsureandGo Travel Insurance

InsureandGo comes highly commended for its domestic travel insurance, which offers different levels of cover to suit your trip and covers a wide range of adventure activities.

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Highly commended

Qantas Travel Insurance

Qantas comes highly commended for its domestic travel insurance, which offers different cover levels plus pays you Qantas Points on the cost of your cover.

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Finding the best travel insurance for an international holiday

The best policy is one you can afford that covers all you care about. To narrow down your travel insurance search, ask yourself the following questions:

• Are you travelling somewhere with expensive healthcare? For example, America. If you become sick in a country with expensive healthcare then it'll pay to have a policy with generous medical limits.
• Are you going somewhere that has a Reciprocal Healthcare Agreement (RHA) with Australia? A RHA means that you can access essential healthcare for a reduced cost or for free. So if you're travelling somewhere with a RHA with Australia, you likely don't need to fret too much about your medical coverage. Australia has RHAs with;
  • Belgium
  • Finland
  • Italy
  • Malta
  • Netherlands
  • New Zealand

  • Norway
  • Republic of Ireland
  • Slovenia
  • Sweden
  • United Kingdom
• Are you travelling with a reputable airline or do you have connecting flights? Flight cancellations and delays are a pretty common issue at the airports lately. Being covered for this can save you if it causes you to miss a connecting flight, hotel check-in or prepaid activity.
• Could you afford to replace your luggage if it was lost? Lost luggage is inconvenient at the best of times but if you're travelling with expensive luggage - or just a lot of the stuff - then it can be worth making sure your policy has adequate coverage for this.
• Will you be driving a rental car? If yes, ensure your policy has coverage for rental car excess. This means your policy can help you pay that super expensive excess in the event of an accident.
• Is it disaster prone? Does this country typically endure poor weather like storms and cyclones?

Frank's experience using travel insurance

"When I was in Fiji, I got caught in a cyclone and couldn't leave. I ended up having to stay for an additional 4 days. Thankfully, I had travel insurance via my credit card and was able to be covered for some of those extra accommodation costs."

Frank Restuccia

Founder

Finding the best travel insurance - domestic travel

travelling domestically, there's a few less things to consider. The main ones to have on your radar are:

• Flight cancellations and delays: Even your small flight to Brisbane can be cancelled or massively delayed.
• Lost luggage: If you're getting on a plane, cover for lost luggage is always smart.
• Rental car excess: Even the safest of drivers can find themselves in an accident and the excess on rentals can be sky-high.

Note: There is no medical cover for domestic travel insurance. This is because Medicare or your private health insurance is expected to cover you while you're travelling within Australia.

Our expert says

"Whenever I travel within Australia, I almost always hire a car. Here's the thing though. To make the excess on the rental car lower, I usually have to pay about $200 extra for the vehicle. But if I leave the excess at its higher amount, I can use that spare $200 to purchase a travel insurance policy that will cover me for the rental car excess and more, like flights and luggage issues. It's such a better use of cash and I get way more for my money."

Peta Taylor

Publisher of Insurance

Travel insurance deals for February 2026

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EXCLUSIVE Use code Finder to get 5% off Use code Finder to get 5% off on Tick travel insurance policies. T&Cs apply. Get deal Get deal		loading Fetching your data...
Get 10% off your travel insurance policies with Kogan Ends 01 March 2026 Use promo code: HOLIDAY. T&Cs apply. Get deal Get deal		loading Fetching your data...
ahm and Medibank members get 10% off travel insurance Get this discount if you're an ahm or Medibank Private member and save. Get deal Get deal		loading Fetching your data...
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Earn Velocity Points with Cover-More Get 3 Virgin Velocity Points for every $1 spent on travel insurance with Cover-More. Get deal Get deal		loading Fetching your data...
EXCLUSIVE Save 10% on InsureandGo policies with Finder Use Finder10 code to save 10%. T&Cs apply. Get deal Get deal		loading Fetching your data...
15% off travel insurance for Medibank Private members Get this discount if you're a Medibank Private member and save. Get deal Get deal		loading Fetching your data...
Use code GETAWAY15 to get 15% off Ends 28 February 2026 Use code GETAWAY15 to get 15% off when you buy a new policy before 28 February 2026. Limits, T&Cs apply. Get deal Get deal		loading Fetching your data...
EXCLUSIVE Get 10% off Use promo code Finder10 and get 10% off your premium. T&Cs apply. Get deal Get deal		loading Fetching your data...
Earn up to 20,000 points Ends 17 February 2026 T&Cs apply. Get deal Get deal		loading Fetching your data...

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Best travel insurance FAQs

• What's the best type of travel insurance?

  There are two main levels of travel insurance; basic and comprehensive. A basic travel insurance policy can cover you for health and medical emergencies. A comprehensive policy can cover your possessions too as well as other things like cancellation.

• What's the best travel insurance with COVID cover?

  Most policies will include some level of COVID cover so what's best can depend on how much you've spent on your trip. For example, many policies include COVID cover for up to $5,000. If your trip is costing you $9,000 then this might not be good enough for you. We've found higher limits with Medbank; here you're covered for up to $10,000 if your trip is cancelled due to COVID related reasons.

• How far in advance should I buy travel insurance?

  It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.

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

  Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip (annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

  Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

  But be aware, annual plans have been a little harder to come by since the pandemic.

• What's considered a pre-existing condition for travel insurance?

  Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.

• What's the best travel insurance for Bali?

  There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.

• What's the best travel insurance for the US?

  The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

  • Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
  • Resumption of journey. This can help pay you to get home if you're very sick.

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio