There are a few ways you can get travel insurance, and I reckon I've tried them all at one point or another. Buying a single policy, and annual multi-trip policy, free credit card travel insurance - they're the main ones. They've all got their pros and cons.
Debit card travel insurance is the same as credit cards that come with travel insurance. Of course with the benefit of not going into a mountain of credit card debt. That, I can say from experience, is pretty crummy.
The free travel insurance you get with a debit card has strings attached. They're not deal breakers, but they're worth thinking about.
| Response | |
|---|---|
| International | 72.93% |
| Domestic | 25.18% |
| Complimentary credit card travel insurance | 17.72% |
| None | 11.33% |
| Annual multi-trip | 8.27% |
Free travel insurance with your debit card is probably a basic policy, covering things like delayed flights, delayed luggage, lost luggage and other travel interruptions.
Limits and sub-limits on debit card travel insurance differ from those offered by standalone policies. Smart money is to compare the free policy you get against the policies on Finder to see if it suits your trip, or if you should get a standalone policy.
There are a couple of debit cards available in Australia that have free travel insurance. As of January 2024, that includes:
*The World Debit Mastercard is offered through CommBank, but it appears to be invite only. If you're an existing CommBank customer you might be able to call and see about getting an invite, but you can't apply online.
I've heard some absolute horror stories about travel insurance, but I've also been poor and travel obsessed, so I feel uniquely positioned to give you an honest answer on this.
That being said, you can get travel insurance from like $10 a day. Which is really not that bad.
The best travel insurance policies are different for each individual traveller.
Ready to get moving? See quotes and compare travel insurance policies for Bali from 16
brands
Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.
Compare Travel Insurance Saver with other policies to see if they are right for you.
Guide to repatriation insurance and cover for emergency medical evacuations.
Guide to high-risk travel insurance: What is and isn't covered.
Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
With a workforce in 2 countries, Easy Travel Insurances provides a range of policies combined with customer service 24/7/365.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.