Travel Insurance Deals

The right travel insurance deal can cut your premiums. Check out these discounts from Australian travel insurance brands.

It is a sad fact that many Australians neglect taking out travel insurance each year simply because they feel that it is too expensive. What many people might fail to realise is just how affordable travel insurance can be if you take the right steps to compare different options and hunt out competitively priced policies. There are many travel insurance providers competing for Australians' business, and some may be willing to offer special discounts to get you on board.

Travel insurance deals from Australian brands for December 2017


Get 10% off all Tick Travel Insurance policies

Want to save more on your Tick Travel Insurance policy? Simply enter this code to receive a 10% discount on your cover.

Your chance to win a holiday hamper worth $1000 (including Bose wireless headphones!)

Purchase a Zoom travel insurance policy between 12:01am on 20th November 2017 and midnight on 20th December to go into a draw to win a hamper containing products worth $1000. Open to Australian residents over 18.

Your chance to win $1000 before Christmas. 31 Days, 31 Winners!

Buy a travel insurance policy before Christmas to go into the draw to win. Every day a customer will win $1,000 - and there's a total of $31,000 to be won.

Get 5% off travel insurance with Fast Cover

Get 5% off your travel insurance when you use this coupon code.

Finding best* travel insurance deals online

Whether you are looking for a ski holiday policy for a long weekend at the slopes or a comprehensive overseas policy for an upcoming trip to Europe, there are some key steps you might to take to find affordable travel insurance that still gives you the right level of cover. Here are some handy hints that may help you hunt out travel insurance deals.

  • Compare different options available: The beauty of purchasing insurance online is that it can gives you the means to more easily review cover options from a wider range of providers. This not only means comparing different providers but also the different coverage plans that they have on offer i.e. comprehensive, essential or basic.
  • Level of cover: Not everyone will need the same amount of cover for losses incurred on their trip. Different policies have different cover levels in place for benefits, which typically impacts the policy premiums.
  • Any other insurance in place: You may already have some other types of cover in place that may affect the amount of cover you need for your new travel policy. This may include home and contents insurance, car rental insurance or workers compensation.
  • Policy exclusions: For a complete understanding of the cover, is not enough to simply skim over the benefits offered, and you should also read the terms and conditions if you want a clearer understanding on what events you are and are not covered for. Each benefit may come with its own set of conditions for payment, i.e. you might be entitled to a hospital cash benefit if you are forced to stay in hospital overseas but in order for this benefit to be provided you must be in hospital for a period of 48 hours or more.

Tripcover - 5% Off your policy

Get 5% OFF your next policy with Tripcover by using your frequent flyer number when you take out car rental excess insurance cover.

Traps to watch out for when looking for the best* deal on travel insurance

It can be easy to snatch up the policy offering the lowest premium when comparing policies but doing this could leave you drastically underinsured. Here are some key points you may want to consider when looking for value for money travel insurance:

  • Benefit excess: Low cost policies may have higher excesses applied for the payment of benefits. It is important to work out what you stand to pay in excess charges prior to application.
  • Deterioration: Many policies will take into consideration the “wear and tear” of items when determining the benefit that will be paid. It can be worth assessing how this will be applied on your policy.
  • Exclusions on the policy: Many low cost policies have many exclusions for claim payment in place. As stated previously, it can be worth comparing the exclusions of policies prior to application.
  • Documentation required: It can be helpful to get an understanding what documentation your insurer will require in order for a claim to be paid. Many insurers will require either a receipt or valuation document for some types of claims, for example.
  • Limits on valuable items: Basic policies will generally only provide cover for items up to a certain value. You may want to consider registering any high-value items prior to departure to ensure adequate cover is in place.
  • Activities covered: Insurer will often have a complete list of the sports and activities that they are willing to cover under the policy. Many basic policies do not provide cover for potentially risky activities. If you are going to be participating in any high-risk activities on your trip, it might be worth considering a specialist policy.
  • Don’t ignore warnings in the media or from the government: Many insurers will not honour claims for events that have taken place in countries that have been recommended as no-travel areas by the government or mass media, or for claims resulting from the events warned about in travel advisories. It can be worth checking travel advisories before heading overseas, and checking whether your policy covers you there.

Benefit of purchasing travel insurance online

In the past many people would have purchased cover through their travel agent or airline. Buying travel insurance online, however, has opened up a whole new world of opportunities for finding and comparing affordable policies from Australian insurers. Here are some benefits of going online to purchase travel cover:

  • You can avoid agent commissions: Cover purchased from travel agents or airlines is often more expensive as there is often an additional charge to account for the commission a travel agent earned for the sale of the policy.
  • A range of options: Travel agents may only have access to a limited range of policies, restricting the range of providers and policies for you to compare.
  • Compare many options at once: Buying online means you can compare multiple options simultaneously, which can make it easier to more quickly compare the benefits, exclusions and cover levels.
  • Deals and offers: Many providers will have exclusive deals or other discounts to give you premium savings or other incentives to sign up for cover. Hunting out an exclusive promotion code could help one save a considerable amount on travel insurance.
  • Fast and secure application: In comparison to other forms of insurance, travel cover can generally be purchased entirely online in a matter of minutes. recommends that anyone purchasing cover online still take the time to read through the product disclosure statement to get a clear understanding of their policy.
  • Buy in your own time: When you purchase and compare travel insurance online you are often able to find the right policy at your own convenience and not rush the purchase.

Types of travel insurance policies to consider

Most providers will now offer a range of different travel insurance products for travellers with different cover needs. Finding a suitable option for your trip may not only mean that you pay less for your cover but that you also have adequate protection in place.

  • Single Trip Travel Insurance: Typically provides cover for a single trip overseas or to a domestic location. Policyholders can generally extend their policy while they are travelling provided it does not extend beyond 12 months.
  • Annual Multi-Trip Travel Insurance: Typically provides cover for an unlimited number of trips within any 12-month period. Each trip taken will be covered under the same policy. Each policy will have limits on the number of consecutive days of travel for each trip, which can be anywhere from 30-90 days. This option is generally more economic for people that take 3 or more trips per year.
  • Group Travel Insurance: Provides cover for different groups taking a trip together. This can be a great option for sports teams, school groups and other groups. Group policies often bring a significant discount as the policies are purchased in bulk.
  • Ski Travel Insurance: Can provides additional cover for winter sports activities in addition to standard cover that may be found on overseas and domestic policies. Additional benefits can include cover for bad weather and avalanche closure, cover for your own snow gear and ski equipment, cover for equipment hire and emergency evacuation from ski fields to the nearest hospital for treatment.
  • Seniors Travel Insurance: Many insurers realise that senior travellers can have different cover requirements to other travellers, and have designed specialised products for travellers over the age of 65. These policies can help ensure that older travellers with pre-existing medical conditions are able to find adequate cover.
  • Visitors to Australia: Some insurers now offer policies for non-Australian residents travelling to or around Australia. This cover is generally available to people that are planning to visit Australia or those that are already travelling within Australia.

Want to find travel insurance deals today?

With everything else that goes into planning a trip, it can be easy to rush the purchase of your travel insurance. Taking the time to compare different policy options and actually have an understanding of your cover requirements may let you enjoy savings while still getting the right protection for your trip. Keep an eye on the Travel Insurance deals page, and you may be able to take advantage of exclusive offers and other deals from various brands.

Review the latest travel insurance deals

* The offers compared on this page are chosen from a range of products has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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6 Responses

  1. Default Gravatar
    ChrisJanuary 23, 2014

    Are you aware of any pitfalls with the CBA’s Master cars free travel insurance?

    • Staff
      ShirleyJanuary 23, 2014Staff

      Hi Chris,

      Thanks for your comment.

      You’ll need to spend a certain amount on prepaid travel costs to be eligible for cover, and you’ll only be covered up to a certain amount.

      Please read our CBA Travel Insurance Analysis.


  2. Default Gravatar
    TrevorJanuary 21, 2014

    Why do all the insurance specials cut out at 69. Why is there an “age penalty” applied after 70 and which appears to bear no relation to risk.

    • Staff
      MarcJanuary 22, 2014Staff

      Hi Trevor,
      thanks for the question!

      Similar to providers in the life insurance market, travel insurance providers draw on statistical data from past claims to help them determine appropriate pricing for cover. This is much the same as premium increases for travel to certain destinations that are considered to pose greater risks to travellers based on past claims.

      I hope this helps,

  3. Default Gravatar
    KarenSeptember 28, 2013

    Does InsureAndGo include missed connection insurance cover?

    • Staff
      ShirleySeptember 30, 2013Staff

      Hi Karen,

      Thanks for your comment.

      Yes, some covers will include missed departures.

      Hope this helps,

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