Online Travel Insurance
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Online Travel Insurance Review

Online Travel Insurance offers flexible cover limits on trip cancellation costs and rental vehicle excess along with unlimited cover for overseas medical expenses.

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Our Verdict

  • Get a competitive rate of up to $10,000 for theft or damage to your luggage or personal belongings on its comprehensive and domestic policies.
  • Online Travel Insurance offers flexible policies that you can customise to suit your travel needs; choose your cover for trip cancellation and add extra cover for rental vehicle excess.
  • Its personal liability cover of up to $1,000,000 is one of the lowest amounts our research team found. Competitors such as Amex and Medibank offer up to five times this amount.

Review by our senior insurance writer James Martin

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.

Online Travel Insurance is known for providing comprehensive insurance benefits at competitive prices. Both holidaymakers and business travellers can find suitable cover options with a host of extras to ensure the best level of cover is in place.
All Online Travel Insurance policies are underwritten by leading insurer Allianz.

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Summary of Online Travel Insurance's Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited*
Cancellation and Amendment FeesAs chosen
Luggage and Personal Effects$10,000
Maximum Age Limit74

Table updated June 2020
*Note: 'Unlimited' means that there's no capped dollar sum insured, however, other conditions and exclusions may still apply.

Who is Online Travel Insurance?

Experience you can count on with Allianz Global Assistance

Online Travel Insurance has over ten years experience helping Australians who have experienced a loss while travelling. Allianz Australia Insurance Limited handles all of the policies purchased through Online Travel Insurance.

Policyholders can rest assured knowing they are covered with 24-hour global assistance from Allianz Global Assistance.

Allianz is a member of one of the world’s largest assistance group of companies, meaning customers can receive support anytime, anywhere in the world. Support is on hand 24 hours a day, 7 days a week, 365 days a year.

Benefits of taking out Online Travel Insurance

Range of cover options

Online Travel Insurance has designed an impressive suite of products to meet the cover requirements of a variety of travellers looking for both domestic and international cover.

  • Basic: This bare-bones policy is perfect for people light packers travelling on a budget. It is essentially a medical-only plan offering unlimited overseas emergency assistance, unlimited overseas medical and hospital expenses, $1,000 in emergency dental expenses and $1 million in personal liability. It does not cover personal effects or cancellation.
  • Essentials. This is a step up from the basic policy, with the all of the exact same medical and personal liability benefits. It adds $5,000 luggage and personal effects cover, $250 luggage and personal effects delay cover and optional cancellation and rental vehicle excess cover.
  • Comprehensive: This is Online Travel Insurance’s premiere plan providing cover for an extensive range of losses with unlimited overseas medical assistance cover and $10,000 in luggage and personal effects cover ($20,000 for families).
  • Non-medical. This has all the same benefits and benefit amounts as the comprehensive plan minus everything medical. You won’t get overseas emergency assistance, overseas medical and hospital expenses, emergency dental expenses, permanent disability, hospital cash allowance or loss of income.
  • Multi-Trip: Provides cover for an unlimited number of journeys in any 12-month period. The maximum duration of journeys under this cover option is 15, 30 or 45 days. With the Multi-Trip plan, you will be given the same level of cover as the comprehensive plan.
  • Domestic: Just because you are travelling in the “lucky country” doesn’t mean that things can’t still go wrong. The Domestic plan provides cover for a range of losses including cancellation fees and lost deposits, luggage and personal effects.
  • Individual, Couple and Family Cover: Whether you are travelling with your partner or with the whole family, Online Travel Insurance lets you take out cover for the whole group under a single policy.

Extra cover for adventure activities

Online Travel Insurance offers additional cover options for those looking to partake in adventure activities while away. The Adventure Pack and Snow Pack provide an extra level of cover options to provide extra peace of mind for those looking for that extra rush on their trip away.

Backed by Allianz Global Assistance

Allianz Global Assistance handles any travel insurance policy you may take out with Online Travel Insurance. Thanks to Online travel Insurance’s relationship with Allianz, policyholders have access to Allianz Global Assistance. This 24-hour coverage will help you out if you find yourself in an emergency situation.

Fast Online Application

Cover can be taken out quickly online in as little as ten minutes and there are no hidden fees: what you see is what you get.

Claims support

Filing a claim can be done by filling out an electronic claim form or by phoning the Claims Enquiries Line, which will put you in touch with a knowledgeable customer service representative. This process is quite easy, and Allianz Global is even able to help you if you need to file an emergency claim at a moment’s notice.

Online Travel Insurance policy benefits

The Online Travel Insurance policies come with their own set of benefits for you to review when comparing plans. Listed below are the benefits available on the different policies from Online Travel Insurance. It is critical to note that not all of the benefits are available on every cover option and each benefit has its own set of conditions for when cover will/will not be paid.

  • Payment of overseas emergency medical assistance, medical evacuation or funeral expenses.
  • Payment of overseas emergency medical, hospital or dental expenses.
  • Hospital cash allowance, which provides you with $50 dollars for each day you are in the hospital past the first 48 hours.
  • Accidental death coverage, which covers immediate death on the trip, or if death is a result of an illness or injury that occurred while on the trip within 12 months.
  • Payment of cancellation fees or lost deposits.
  • Payment of loss of income up to $400 per week for a period of up to 26 weeks.
  • Payments made due to permanent disability as a result of travelling.
  • Payment for the replacement costs of lost travel documents, credit cards and travellers cheques.
  • Alternate transport expenses.
  • Payment for the replacement of stolen cash, bank notes, currency notes, postal orders or money orders.
  • Payment for the damage or permanent loss of luggage or other personal items.
  • Luggage and personal effects delay allowance in case your stuff is misdirected or misplaced for more than 12 hours.
  • Travel delay allowance to cover meals and accommodation expenses.
  • Rental vehicle coverage.
  • Personal liability, which covers your legal liability for payment of compensation for a variety of reasons.

Additional Online Travel Insurance cover options

Snow Pack

You can get the Snow Pack with the Comprehensive, Domestic or Multi-Trip policies for an additional premium. You must be under 74 to be eligible and you'll get cover for the following:

  • Emergency Rescue
  • Own Snow Sport Equipment
  • Snow Sport Equipment Hire
  • Snow Sport Pack
  • Piste Closure
  • Bad Weather & Avalanche Closure

Cruise Pack

You can also get cruise cover for an additional premium. This can cover you for the following:

  • Medical Cover while Cruising
  • Evacuation Cover (Ship to Shore)
  • Cabin Confinement
  • Pre-paid Shore Excursion Cancellation
  • Formal Cruise Attire Lost or Damaged
  • Formal Cruise Attire Delayed
  • Marine Rescue Diversion

Adventure Pack

The Adventure Pack can be purchased with the Comprehensive, Domestic or Multi-Trip plan by paying an additional premium. In addition to the sports automatically covered under the policy, additional cover is provided for sports including but not limited to:

  • Abseiling
  • Animal conservation and handling
  • Battle re-enactment
  • Cave/river tubing
  • Caving/potholing
  • Contact sports
  • Deep sea fishing
  • Diving underwater
  • Flying fox/zip lining
  • Hiking, trekking or tramping
  • Martial arts
  • Outdoor rock climbing
  • Quad biking
  • Sailing
  • Shooting
  • Surface water activities
  • Tandem parachuting
  • Tandem gliding and tandem paragliding
  • Use of motorcycles with engine capacity exceeding 250CC
Conditions apply for each activity.

Increased Item Limits

You can also purchase increased limits for specific items when you buy a policy. If you purchase an increased item limit and that particular item is stolen, accidentally damaged or permanently lost, they will pay you up to the selected increased limit shown on your Certificate of Insurance.

Making an Online Travel Insurance claim

You need to give Online Travel Insurance notice of your claim as soon as you possibly can. All claims must be fully completed by the policyholder; otherwise the benefits can be reduced due to a delay in service. Here are some of the specifics of the claims process:

  • Medical, dental or hospital claims must be made with Allianz Global Assistance.
  • For damage or permanent loss of your luggage or personal belongings, you must report the incident to the police and provide a written notice of your report when making the claim.
  • If your claim is being made due to damage or loss that resulted from the actions or an airline, operator or accommodation provider, you must report the damage to the appropriate official and obtain a written report of the event. If they offer you a settlement you need to include this in your claim.
  • You will need to submit the full details of any claim that you have made within 30 days of returning home.
  • All claims are paid out in Australian Dollars.

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Questions you might have

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10 Responses

    Default Gravatar
    MarieNovember 30, 2021


    I am going to Fiji from 14/1/22 to 19/1/22 on holiday.

    I am 70 years old and would like an insurance policy covering expenses for Covid 19. Please advise the best travel insurance.

    Yours sincerely,

      JamesDecember 8, 2021Finder

      Hi Marie,

      Currently, there are a small handful of brands that will be able to offer you COVID benefits with their travel policies. Each brand on this page includes some protection for some COVID-related claims.

      At the time of writing, travel insurance with medical cover was mandatory for international trips to Fiji. Many providers do offer unlimited overseas medical cover – but be sure to read the policy terms with care so that you understand exactly what you’re covered for before you buy.


    Default Gravatar
    robertFebruary 14, 2018

    I have a westpac credit card that i use for all my travel bookings. This comes with travel insurance which at the moment is supplied by alliance. Do i need this extra insurance and if so what is the difference on a basic cover level.

      JonathanMarch 7, 2018Finder

      Hi Robert,

      Thanks for your inquiry.

      The difference between credit card insurance and ‘extra’ insurance is:
      1) What you are covered for.
      2) What limits/ benefits are covered.
      3) What rules apply in order to receive those benefits.

      Please review our guide on credit card vs standalone travel insurance for a full comparison on these two products.



    Default Gravatar
    KatieNovember 27, 2016

    I would like to take out travel insurance for a trip overseas. I live in Australia but I am not an AUSTRALIA resident.

    Is there any restrictions and am eligible to take out insurance via the companies on this site.

      RichardNovember 28, 2016Finder

      Hi Katie,

      Thanks for getting in touch. Please head over to our non-resident travel insurance review page to find insurance policies for non-residents. You should find cover options available to you from the brands in our panel.

      All the best,

      Default Gravatar
      KatieNovember 29, 2016

      Thank you for your response.

      I am currently on a bridging visa awaiting my residency application. I am eligible for Medicare but have not got a Medicare card.

      Can you confirm does this mean I should still purchase overseas visitor travel insurance or can I purchase the normal travel insurance that an Australian resident can purchase.

      RichardNovember 29, 2016Finder

      Hi Katie,

      As you’ll be travelling overseas, you will still need the non-resident cover.


    Default Gravatar
    EmmaAugust 21, 2016

    Will I be covered from when the payment is made
    goes through

      RichardAugust 22, 2016Finder

      Hi Emma,

      Thanks for your question. Your cover for cancellation etc begins once you have purchased your policy.

      I hope this was helpful,

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