Qantas Travel Insurance

Our verdict: Qantas Travel Insurance could be good if you need to protect your next trip, plus you could also earn some Qantas points.

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Cristal Dyer

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Our Verdict

Qantas Travel Insurance has a clear policy offering that makes it easy to understand what you are and are not covered for. Its inclusions are generous and include some important features. Add on some attractive Qantas Points for Qantas Frequent Flyer members and you've got a solid option for your next holiday.

Pros

  • Qantas is one of the few brands that offers a $0 excess on domestic policies. This means if you need to make a claim on your trip in Australia, you won't need to pay an excess.
  • Qantas Travel Insurance offers comprehensive cover for unlimited domestic and international trips within a 12-month period (45-day maximum trip duration), a cost-effective option for frequent travellers.

Cons

  • If you are more than 26 weeks pregnant at the start of or during your trip, you won't be covered.
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Congratulations, Qantas!

Qantas Travel Insurance received a 2026 Highly Commended Finder Award for Best Domestic Travel Insurance.

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Theft or damage to luggage Rental car excess insurance Standard excess Theft of cash
$15,000
$8,000
$250
$300
Help protect your next trip and earn up to 20,000 Qantas Points with Qantas Travel Insurance. Offer ends 16 February 2027. T&Cs apply.
This is a summary of cover only. Sub-limits and time limits apply. Please read the PDS for full terms, conditions, limits and exclusions.
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Qantas Annual Multi Trip
$15,000
$8,000
$250
$300
Help protect your next trip and earn up to 20,000 Qantas Points with Qantas Travel Insurance. Offer ends 16 February 2027. T&Cs apply.
This is a summary of cover only. Sub-limits and time limits apply. Please read the PDS for full terms, conditions, limits and exclusions.
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Qantas Australian Comprehensive
$5,000
$8,000
$0
$0
Help protect your next trip and earn up to 20,000 Qantas Points with Qantas Travel Insurance. Offer ends 16 February 2027. T&Cs apply.
This is a summary of cover only. Sub-limits and time limits apply. Please read the PDS for full terms, conditions, limits and exclusions.
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Current Qantas travel insurance deals

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Earn up to 20,000 points for every policy.

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What policies does Qantas Travel Insurance offer?

Qantas has 2 single trip travel insurance policies to choose from: International Comprehensive and Australian Comprehensive. If you're planning more than one trip for the year, a Qantas Annual Multi Trip policy is also an option for trips in Australia and overseas.

From 13 May 2026 Qantas Travel Insurance is underwritten by Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days, which means you can cancel your policy within this period and Qantas Travel Insurance will refund your premium, as long as you haven’t departed for your trip, and/or haven’t made a claim on your policy.

An excess is the amount you need to pay when you make a claim. The standard excess on the International Comprehensive policy is $250. An excess doesn’t apply for the Australian Comprehensive policy.

Here's a breakdown of Qantas Travel Insurance features

Standard features
Optional add-on
Exclusions

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Optional add-on

For more flexibility, Qantas Travel Insurance offers extra cover that might be worth adding on. These options attract an additional premium, but not having it when you need it, means you're not covered at all. For example, if you’re injured while skiing overseas, you won’t be covered for medical expenses unless you’ve purchased the snow sports cover option.

  • Snow Sports Cover option. This is for when you’re hitting the slopes. It includes coverage for snow sports equipment if it is lost or stolen and cover for pre-paid ski costs such as a lift pass or lessons which you are unable to use due to a sickness, illness or injury.
  • Existing Medical Conditions. Qantas Travel Insurance has a list of conditions that are automatically covered for overseas trips, but if you have an existing medical condition that is not automatically covered, you may be able to apply to have your existing medical condition/s covered as a Specified Medical Condition under this optional coverage by completing a medical assessment.
  • Specified Items Cover option. Nowadays, it’s not uncommon for the cost of your valued items, such as your phone, to exceed the sum insured limit under the standard coverage sections. With Qantas Travel Insurance, you can purchase extra cover so your valuables can be covered.
  • Cruise Cover option. This is for travellers going on a cruise and includes coverage for cancellation fees, missed shore excursions, onboard medical expenses, cabin confinement and more. Cruise Cover is available as an optional add-on across all Qantas Travel Insurance policies.

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Exclusions

No two policies are the same, but there is always a list of scenarios where you won't be covered under your travel insurance. Qantas Travel Insurance will not cover you for any of the following:

  • Putting yourself in danger by your use of alcohol or drugs, unless the drugs have been prescribed and used as instructed by a medical practitioner
  • Any condition that has been given a metastatic or terminal prognosis at the time of buying a policy and/or before commencing travel.
  • Pregnancy if you’re more than 26 weeks pregnant at the start of or during your trip (including routine pre-natal care and childbirth)
  • Self-inflicted injury
  • Planned or actual travel to, or choosing to stay in, any country or region where there is a 'Do not travel' advisory
  • Cyber attacks
  • Insolvency or bankruptcy of a person, company or organisation involved in your travel arrangements

This list isn't exhaustive, so make sure you review the relevant Qantas Travel Insurance PDS for a detailed breakdown of what is and isn't covered. These can be found under its list of general exclusions.

How to make a Qantas Travel Insurance claim

Qantas Travel Insurance accepts claims 24 hours a day, 7 days a week and you can lodge a claim while you are still overseas or when you're back at home. You can download a claim form at https://insurance.qantas.com/travel-insurance/claims and return it via email at qantasinsuranceclaims@zurich.com or by post to:

Qantas Travel Insurance Claims
Zurich Australian Insurance Limited
Locked Bag 2138
North Sydney NSW 2059

It's strongly recommended you contact Qantas Travel Insurance Claims as soon as reasonably possible after the event. You should also have the following information available:

  1. Travel insurance policy number
  2. Proof of your travel dates (e.g. eTickets)
  3. Relevant credit card statements to show proof of purchase
  4. Any relevant documents to support your claim (e.g. police report)

Frequently asked questions

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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2 Responses

    alan's avatar
    alanAugust 31, 2016

    is qantas comprehensive travel insurance A+++?

      Richard Laycock's headshotFinder
      RichardSeptember 1, 2016Finder

      Hi Alan,

      Thanks for your question. Most airlines add a commission on top of the price of each policy, which can means the policy may end up costing you more than if you went direct to the underwriter of the policy. Qantas is not currently one of the travel insurance brands in the Finder comparison panel.

      If you would like to compare policies from the brands in our panel, please head to the travel insurance home page and enter your travel details.

      I hope this was helpful,
      Richard

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