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| Brand | Camera insurance maximum benefit for damage or loss | Apply |
|---|---|---|
 | $4,000 limit for camera for international and $3,500 for domestic. | Bonus |
 | $4,000 limit for cameras and video cameras and go pros. | Bonus |
 | $3,000 limit for computers, laptops, video recorders or cameras. | Get quote |
 | $3,000 limit for cameras, computers and recording devices, $750 limit for accessories. | Finder AwardBonus |
 | $2,000 limit for camera, video camera, laptop, notebook or hand held computer. | Get quote |
 | $500-$1,500 total limit for cameras and electronics with basic-comprehensive policies. | Get quote |
 | Up to $3,000 per item limit for cameras and other devices with comprehensive policies, up to $8,000 total limits. | Bonus |
 | No cover for cameras and electronics with basic policies, up to $7,500 total limits with $3,000 sub-limits for cameras and electronics with comprehensive policies. | Bonus |
 | $750 - $3,000 per item limit for camera and video cameras. | Get quote |
 | $3,500 - $6,000 per item limit for camera and video cameras. | Bonus |
 | $3,000 limit for laptops, personal computers, tablets, cameras. | Finder Award |
 | $2,000 limit for loss or theft and $1,500 limit for damage. | More info |
 | $2,000 limit for loss or theft and $1,500 limit for damage. | More info |
 | $1,000 - $4,000 limit for camera and video individual item limit. | Get quote |  | $4,000 limit for international and $3,500 for domestic for camera or video camera. | Get quote |
 | $4,000 limit for camera for international and $3,500 for domestic. | Bonus |
 | $3,000 cover for individual cameras, computers and video recording devices, $750 per item limit for accessories, $5,000 total limit for possessions. | More info |
 | $1,500 - $3,000 per item limit for cameras, computers and video recording devices, $750-$1,000 for accessories. | More info |
 | $3,000 per item maximum for cameras and electronics, $750 per item limit for accessories, up to $24,000 total limits. | More info |
Note: This information was last updated August 2022
The most common form of travel camera insurance is a standard travel insurance policy. This usually includes a certain level of cover for damage, theft and other loss of belongings. One of the most important things to consider is limits. These are the maximum amounts that will be paid in the event of a claim. Expect both per item limits and total possessions cover limits.
| Response | Male | Female |
|---|---|---|
| I have not faced any travel mishaps | 14.26% | 10.34% |
| Airline cancellation or significant delay | 11.75% | 7.8% |
| Lost luggage or delay | 9.44% | 6.1% |
| Lost or broken devices | 4.05% | 2.37% |
| Lost or stolen travel documents | 2.12% | 1.36% |
| Other | 1.16% | 1.53% |
| Denied entry into a country | 0.39% | 0.68% |
Expect exclusions. These are conditions where your insurance policy will not pay out. You can usually find a list of general exclusions in your insurer’s Product Disclosure Statement (PDS). Some of the standard exclusions you might find are:
If you are a professional photographer or videographer then you may need a more specialised camera travel insurance policy, and should consider a few extra things.
When deciding on a camera travel insurance policy to suit your needs as a tourist, consider the value of your equipment, the level of cover and whether you want insurance for other valuables like laptops and jewellery. Some of the other important factors to consider are:
Yes. There are a number of brands that offer specialised camera insurance with additional options for travelling. These are predominantly aimed at professional photographers and videographers rather than enthusiasts, and may include:
Travel and professional usage cover is more likely to be included as a standard, rather than an extra. Specialised camera insurance policies with built-in travel options will typically be more expensive than standard travel insurance, but may be much more suited to your needs as a professional photographer or videographer, or someone with a variety of high-value camera equipment and accessories.
Alternatively, you may wish to consider the merits of a bundled portable contents option with an existing home insurance policy. If you only want to cover a specific item like your camera and already have a home and contents policy, then specifying your camera for additional portable cover may be a cost-effective option. However, be aware that this will also include its own exclusions and conditions, might not be suitable for extensive travel and may not offer enough cover for professional equipment and camera accessories.
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