Travel Insurance Comparison

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Why you need Travel Insurance

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When is the best time to buy Travel Insurance?

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Travel exclusions to check
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Recent Award Winners

Outstanding Value - International Travel Insurance
Online Travel Insurance wins CANSTAR outstanding value award
World2cover wins CANSTAR outstanding value award
Outstanding Value - Domestic Travel Insurance
Online Travel Insurance wins CANSTAR outstanding value award
World2cover wins CANSTAR outstanding value award
Outstanding Value - South Pacific Cruise Travel Insurance
Online Travel Insurance wins CANSTAR outstanding value award
Budget Direct: Outstanding Value Car Insurance NSW & VIC & TAS & National Award Winner
Outstanding Value - Seniors Travel Insurance
Webjet wins CANSTAR outstanding value award
Zuji wins CANSTAR outstanding value award

What is travel insurance?CANSTAR 2016 Outstanding Value Travel Insurance

Travel insurance covers emergencies or accidents you while you are on holiday. Depending on your destination and your choice of policy, travel insurance can include cover for the cost of medical emergencies, lost or stolen luggage, and even the excess charged in the event of a hire car accident.

Domestic travel insurance covers you for trips taken within Australia, and will usually cover:

  • Lost or stolen luggage or other belongings
  • Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, natural disasters, or other reasons outside your control
  • Rental vehicle excess you have to pay if you have an accident driving a hire car
  • Legal liability if you accidentally break a local law

One thing domestic travel insurance does not include is medical cover. However, as you’re still in Australia you can still access both Medicare and private health insurance (if you have it).

International travel insurance will cover you for overseas trips. International travel insurance will cover slightly different things than domestic cover:

  • Medical emergencies for admission to hospital in another country (not including scheduled treatments such as dental tourism)
  • Lost or stolen luggage or other belongings
  • Lost or stolen travel documents (e.g. passport) or cash
  • Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, natural disasters, or other reasons outside your control
  • Legal liability if you accidentally break a local law and need a lawyer and/or interpreter (note that ignorance of the law is no excuse in most countries!)
  • Repatriation cover to fly you and your belongings back home if you pass away while travelling

No travel policy will cover you for every single thing that might go wrong while you’re away. It’s important to read the policy terms and conditions in the product disclosure statement (PDS) carefully so you know what is and is not covered.

Be aware of the usual exclusions that apply to travel insurance policies:

  • Skiing or other snow activities (you’ll need snow cover for that)
  • Dangerous activities (“hazardous pursuits”) such as such as scuba diving or bungee jumping (you’ll need to buy a separate adventure travel policy for that)
  • High value belongings (unless you tell your insurer about them)
  • Risky or irresponsible behaviour on your part, including behaviour while under the influence of alcohol
  • Pre-existing medical conditions that you didn’t tell your insurer about when applying for insurance
  • Intentional illegal behaviour or breaking local laws and regulations
  • Lost items where you left your belongings unattended
  • Driving a motorbike overseas, unless you have a motorbike licence and are driving a low-power vehicle
  • Government actions
  • Acts of war (unless you are travelling to a country with a Do Not Travel warning from DFAT)
  • Suicide or attempted suicide
  • Claims where you didn’t notify your insurer within a set timeframe, e.g. 24 hours

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How Canstar compares travel insurance

Canstar compares travel insurance with a unique, sophisticated travel insurance star ratings methodology that considers both pricing and features. The results are reflected in a consumer-friendly 5-star concept, with a 5-star rating signifying that a product offers outstanding value for travellers.

Some of the features Canstar compares for travel insurance policies are:

  • Policy inclusions and exclusions
  • The claim process
  • Policy flexibility
  • Medical and dental cover
  • Lost luggage and travel documents cover
  • Cancellation fee cover
  • Emergency travel cover
  • Rental vehicle cover
  • Legal liability cover

You can read the full star ratings report or compare travel insurance products yourself, based on your own requirements, using the comparison selector tool at the top of the page.

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Written by: TJ Ryan and Tim Smith

Travel Insurance Glossary Of Terms

Please note that these are a general explanation of the meaning of terms used in relation to travel insurance. Your insurance provider may use different wording and you should read the terms and conditions of your insurance policy carefully to understand what you are and are not covered for. Refer to the product disclosure statement (PDS) from your provider.

Additional expenses: Additional expenses for accommodation and transportation that occur because of events such as illness, natural disasters, loss of travel documents, and transport union strikes.

Benefits: What your insurance provider gives you according to the terms of your policy. Benefits can apply if you make a claim (e.g. lost luggage) or they can apply automatically if a certain event happens.

Claim: When you request for your insurance provider to pay certain expenses back to you in accordance with your policy.

Cover / Coverage: The extent of protection given to you by your policy. If you are covered for an event, it means that you can claim back from your insurance provider a specified amount of expenses you incurred because of that event.

Emergency medical care: Medical care that is needed in an unexpected emergency. This does not include any type of regular medical care or foreseeable medical needs.

Excess: The excess is an amount that you pay instead of the insurer, e.g. $250 or $500 per claim. Insurers usually have either a policy with different excess options that you choose between, or separate policies that each have a different excess amount. You can pay a lower premium if you have a higher excess, but you need to be sure that you could afford to pay the excess unexpectedly if you had to make a claim.

Exclusions: Anything that is not covered by your policy. Check the common exclusions here.

Incidental expenses: Costs associated with an unexpected covered event, but which are not directly related to the event.

Limit / Benefit limit: Policies have a limit on the amount of benefits you can claim per year or per trip.

Medically necessary: Medical treatment that is needed to preserve your health, is suitable to treat your symptoms, and can be safely provided in your current location. This does not include treatment or procedures that are performed in your current location because it is convenient or cheaper (e.g. dental tourism).

Legal liability cover / Personal liability cover: Cover for costs incurred for which you are legally liable. You are legally liable if your negligence causes loss or damage to people or property not a part of your travelling party. Liability cover does not cover damage you caused deliberately or that breaks the law, your ownership or use of a vehicle, aircraft or watercraft, or you passing on an illness to someone else.

Pre-existing condition: A medical condition that existed in any form before you signed up for the insurance policy, whether or not you had your symptoms examined by a health practitioner. Your policy may usually list a time limit for the condition to be pre-existing, e.g. you have seen a medical practitioner in the past 90 days before you started your journey, or you have been prescribed a medication within the past 60 days.

Premium: The amount you pay your insurance provider for your travel insurance cover. Your premium must be paid on time for your travel to be covered.

Rental car insurance excess: The excess charged if your hire car is damaged or stolen. Domestic travel insurance policies commonly include cover for the cost of this excess.

Resumption of journey benefit: The benefit you receive if you claim the expense of resuming your travels. You can make a claim if you had to return to Australia suddenly due to a serious injury, illness, or the death of one of your relatives or business partners in Australia.

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Our Travel Insurance Ratings & Guides

Travel Insurance 2016 Star Ratings

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Travel Credit & Debit Cards 2016 Star Ratings

Customer Satisfaction Ratings from Canstar Blue for domestic airlines, hotels, online accommodation bookings, and hire cars.

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Travel insurance providers we research and rate

At the time of our most recent travel insurance star ratings, CANSTAR researches and rates the following domestic and international travel insurance providers.

Domestic Travel Insurance Providers

1300 Insurance

1Cover Travel Insurance

AIG

Allianz Australia

American Express

ANZ

Aussietravelcover

Australia Post

Australian Unity

Big Sky

Budget Direct

Bupa

CGU

CHi Travel Insurance

Citibank

Columbus

Cover-More

Duinsure.com.au

FastCover

Flight Centre Travel Group

GIO

Go Insurance Travel

Good 2 Go!

Greater Building Society

HBF

HCF

HSBC

Hume Bank

Insure 4 Less

Insure and Go

Kango Cover

Medibank

MyCover

NAB

National Seniors Insurance

NRMA

OnePath

Online Travel Insurance

People’s Choice Credit Union

Priceline Protects (with AIA Australia)

QBE

RAA

RAC

RACQ

RACV

Real Insurance

SGIC

SGiO

Simply Travel Insurance

Skiinsurance.com.au

St. George

STA Travel

Stella Travel Services

Suncorp Bank

SureSave

Travel Insurance Direct (TID)

Travellers Choice

Velocity Frequent Flyer

Virgin Money

Westpac

Woolworths Money Insurance

WorldCare

Zuji

International Travel Insurance Providers

1300 Insurance

1Cover

AAMI

Allianz

American Express

ANZ

Aussie Travel Cover

Australia Post

Australian Unity

Big Sky

Budget Direct

Bupa

CGU

CHi Travel Insurance

Citibank

Columbus

Cover-More

Duinsure.com.au

FastCover

Flight Centre Travel

GIO

Go Insurance Travel

Good 2 Go!

Greater Building Society

HBF

HCF

HSBC

Hume Bank

Insure 4 Less

Insure and Go

iTrek Travel Insurance

Kango Cover

Medibank

My Cover

NAB

National Seniors Insurance

NRMA

One Path

Online Travel Insurance

Ouch.com.au

People’s Choice Credit Union

Priceline Protects (with AIA Australia)

Qantas Cash

QBE

RAA

RAC

RACQ

RACV

Real Insurance

SGIC

SGiO

Simply Travel Insurance

Skiinsurance.com.au

Southern Cross Travel Insurance

St. George

STA Travel

Stella Travel Services

Suncorp Bank

SureSave

Travel Insurance Direct (TID)

Travel Insuranz

Travellers Choice

Velocity Frequent Flyer

Virgin Money

Webjet.com.au

Westpac

Woolworths Money

WorldNomads.com

WorldCare

Zuji

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