Why compare travel insurance with Finder?
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
How do I compare travel insurance?
Most travel insurance policies give you unlimited cover for medical expenses and 24/7 emergency medical assistance.
You can get cover for COVID-related medical expenses now and up to $5,000 towards cancellation or rearrangement costs.
It can also pay to get you on an alternative flight. Plus, many will cover your accommodation costs if your trip is disrupted.
You can get around $250 a day if your luggage is delayed by the airline. Many also cover stolen or accidentally damaged luggage.
Our research shows that more than 20 insurers now offer some cover for COVID-related expenses. Here's a rundown of what this typically includes:
Brand | COVID-19 medical expenses | COVID-19 related cancellation | COVID-19 related cancellation limit | Apply |
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![]() | Unlimited | Bonus | ||
![]() | $10,000 | Bonus | ||
![]() | $5,000 | Get quote | ||
![]() | Optional | Cover chosen | Get quote | |
![]() | $5,000 | Finder AwardBonus | ||
![]() | Optional | $10,000 | Bonus | |
![]() | Cover chosen | Bonus | ||
![]() | Cover chosen | Bonus | ||
![]() | $2,500 | Bonus | ||
![]() | Get quote | |||
![]() | $5,000 | Finder AwardBonus | ||
![]() | Reasonable costs | Get quote | ||
![]() | Reasonable costs | Get quote | ||
![]() | $3,500 | Get quote | ||
![]() | $5,000 | Bonus | ||
![]() | $5,000 | Finder Award | ||
![]() | $10,000 | Get quote | ||
![]() | $10,000 | Get quote | ||
![]() | $10,000 | Bonus | ||
![]() | $5,000 | Get quote | ||
![]() | Get quote |
A few insurers go even further and can cover you for the following:
Your policy won't typically offer cover for these COVID-19-related events:
Some providers, including Cover-More and Easy Travel Insurance, won't accept COVID-related claims within 21 days of your trip. Just one reason you should get insurance as soon as you book your trip.
Meet our experts
Our team of insurance experts have published over 450 guides on travel insurance and are regularly cropping up on TV shows, including Sunrise, Seven News and 10News, with the latest travel insurance tips and tricks.
Whether you're heading overseas with the family or exploring somewhere closer to home, we're passionate about helping you get the best policy for your holiday.
Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event. The majority don't do this. They only cover you for certain reasons. So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered.
Gary Ross Hunter
Finder's insurance and innovations editor
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event. The majority don't do this. They only cover you for certain reasons. So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered.
Gary Ross Hunter
Finder's insurance and innovations editor
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
Your claim will be voided if the insurer finds that you failed to act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.
Travel insurance will only cover you if you're riding with an Australian motorcycle licence or a valid licence in that country. You also need to be wearing a helmet and stick to a specific engine size.
This can be added when applying online. You'll find that most Australian insurers have a list of activities in the PDS which are covered for free.
If you buy your policy after a natural disaster or a pandemic becomes a "known event" (e.g. it's in the news), you typically won't be covered, with the exception of the COVID-19 pandemic.
We recently had to cancel a trip to Europe due to a family emergency, resulting in thousands of dollars lost in tickets, accommodation bookings and more. Thankfully we had travel insurance through our credit card which made sure we were covered from when we booked. We received all money lost back in full for anything we couldn’t cancel.— Elizabeth Barry, money expert & avid traveller
Not only will you be paying the same price as buying directly with the insurer, we regularly run deals with our partners – that means policies can be even cheaper. Check out some of our current offers below:
Store | Discount | |
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Save 10% on InsureandGo policies with Finder Use this coupon code to save 10%. Ts&Cs apply. Last verified |
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Get 10% off Freely travel insurance policies Use this promo code to get a 10% discount. T&Cs apply. Last verified |
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Qantas Travel Insurance’s BIGGEST offer ever is on now Earn up to 15,000 Qantas Points for every policy. T&Cs apply Last verified |
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Get 17% off Kogan travel insurance policies Use this promo code to get a 17% discount. T&Cs apply. Last verified |
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Get 10% off on Tick travel insurance policies Use this code to get a 10% discount. T&Cs apply. Last verified |
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ahm and Medibank members get 10% off travel insurance Get this discount if you're an ahm or Medibank Private member and save. Last verified |
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Earn Velocity Points with Cover-More Get 3 Virgin Velocity Points for every $1 spent on travel insurance with Cover-More. Last verified |
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Exclusive
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Get 8% off your Wise and Silent policy Use the promocode to get 8% off travel insurance. T&Cs apply. Last verified |
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15% off travel insurance for Medibank Private members Get this discount if you're a Medibank Private member and save. Last verified |
The best travel insurance policies are different for each individual traveller.
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.
Find out how travel insurance covers accidental death and what will be paid from in the event of a claim.
Beware when swimming at Byron, Ballina, Bondi and Bells.
Learn more about travel insurance brokers, how they are paid and the way they can help you find comprehensive travel cover.
Is travel insurance a worthy investment? Find out why travel insurance is an invaluable travel item.
Guide to high-risk travel insurance: What is and isn't covered.
With a workforce in 2 countries, Easy Travel Insurances provides a range of policies combined with customer service 24/7/365.
How long before I travel should I purchase travel insurance?
Hi Lorelei,
Thanks for getting in contact with us at Finder!
We always recommend buying travel insurance as early as possible. This is so that you can take advantage of cancellation benefits in case something out of your control happens.
Most policies cost the same if you buy it today, versus if you but it later, so generally; you’ll get better value out of buying it earlier.
I hope you found this helpful.
Kind regards,
Jessica
How can I get travel insurance for a boat cruise for the 25/02/2020 going to the South Pacific islands. Our ages are 78 and 75 respectively. Is there any chance on getting yearly insurance or is it just for a single trip. Thank you.
Hi Delia,
Thanks for getting in contact with us at Finder!
From my research of over 15 of our travel insurance partners, InsureandGo travel insurance offers annual multi-trip policies for people up to the age of 100. Their annual multi-trip policies also offer automatic cover for on-board hospital and medical expenses as long as any pre-existing conditions are declared.
If you decide to choose a single trip policy instead, head to our cruise travel insurance page and enter your trip details into the comparison tool to compare quotes for eligible policies.
I hope this has been helpful.
Kind regards,
Jessica
Are there any insurance companies that cover Outdoor Rock Climbing without a guide. My son has already left Australia.
Hi Matilda,
Thanks for your message. Yes, there are insurers offering rock climbing travel insurance, however, they require all climbs to be with a professional/guide. Given that your son is already overseas, you may want to reach out to insurers for travellers outside Australia. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps and best of luck in finding an insurer for your son!
Best,
Nikki
Hi Maureen,
Thanks for getting in touch with Finder.
You might find our pages about seniors travel insurance and pre-existing conditions to be helpful.
Some things to note:
Best of luck and enjoy your trip!
Cheers,
Jess
Hi my daughter is travelling to the US and are looking for insurance however she has Cystic fibrosis. can you assist
Hi Eddie,
Thanks for your question.
There are travel insurance with pre-existing medical conditions. You can use our table to know which pre-existing conditions are automatically covered by the travel insurance brands on Finder. The page gives you a guide on how to apply for one and an online form that gives you a list and estimated quotes relative to your daughter’s case.
As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Best,
Nikki