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Travel Insurance

What is travel insurance?

Warning: While the Australian Government travel ban remains in place, travel insurance policies may not provide protection for international travel and many travel insurers will not cover COVID-19-related claims. Star Ratings in our travel insurance comparison tables were awarded and assessed against criteria in August 2019. For the most up-to-date information, please contact your policy provider directly. You may also visit www.smartraveller.gov.au for more information.

Travel Insurance

Travel insurance covers emergencies or accidents while you are on holiday. Depending on your destination and choice of policy, it could also include cover for the cost of medical emergencies, lost or stolen luggage, and even the car insurance excess charged in the event of a hire car accident. There are two main types of travel insurance – domestic and international.

Domestic travel insurance covers you for trips taken within Australia, and could include cover for things such as:

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

One thing domestic travel insurance generally 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, which typically covers slightly different things than domestic cover. For example, policies could include cover for:

  • Medical emergencies for admission to hospital in another country (typically not including scheduled treatments such as dental tourism)
  • Lost or stolen luggage or other belongings
  • Lost or stolen travel documents (such as a passport) or cash
  • Cancelling your trip unexpectedly due to illness, accident, 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 could possibly go wrong while you’re away. It’s important to carefully read the policy terms and conditions in the product disclosure statement (PDS) for any policy you’re considering, so you know what is and is not covered.

Typical exclusions could include:

  • Costs or cancellations that arise from a pandemic or an epidemic (such as COVID-19)
  • Skiing or other snow activities (typically, you’ll need snow cover for that)
  • Dangerous activities (‘hazardous pursuits’) such as such as scuba diving or bungee jumping (some insurers may cover this automatically, but it’s possible you may need to pay extra or buy a separate adventure travel policy)
  • 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 more generally
  • Lost items where you left your belongings unattended
  • Driving a motorbike overseas (you may be able to obtain cover in some cases if you have a motorbike licence and are driving a low-power vehicle – check with your insurer)
  • Acts of war
  • Suicide or attempted suicide
  • Claims where you didn’t notify your insurer within a set timeframe, e.g. 24 hours.

Compare Travel Insurance

How Canstar compares travel insurance

Canstar’s Travel Insurance Star Ratings and Awards use a sophisticated methodology, unique to Canstar, that compares travel insurance products from our database offered to Australians travelling domestically or overseas. They provide an analysis of a shortlist of travel insurance policies, enabling consumers to narrow their search to products that have been assessed and ranked.

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 before proceeding to get a quote.

Compare Travel Insurance


Author: Nina Tovey

nina.tovey

Nina is the Editor-in-Chief of Canstar, Australia’s biggest financial comparison site. She is responsible for leading the editorial strategy, and works with a team of journalists and SEO specialists to drive traffic through delivering compelling and insightful content to consumers looking for support with their finances. You can follow her on Instagram or Twitter.


 

Travel insurance quotes

Canstar makes it easier for consumers looking to compare policies and narrow their search for

travel insurance

providers. As premiums for travel insurance policies are dependent on your travel plans and personal circumstances, the most accurate way to obtain a quote is directly through a provider, by contacting them or using their online quote form.

The quote you receive for the cost of your

travel insurance

premium will be based on a number of factors, including your destination, age, medical history, the length of your trip, the activities you intend to participate in (with ‘riskier’ activities such as snow sports and motorcycle or scooter use often making your cover more expensive) and what types of events you would like covered (such as natural disasters or terrorism).

Most insurers will also let you select from a number of options, such as cover for a cruise, multi-country policies or an annual policy (to cover more than one trip) when requesting a quote. Policies are generally available for singles, couples or families, so it could be a good idea to seek a quote for a single policy that covers all parties travelling to see if you can find a competitive price, as this can often work out cheaper than getting cover for each traveller individually. Some insurers include cover for children under a set age (usually 18 or 21) within their parents’ policy, so it could be worth asking your insurer about their cover when receiving a quote.

With a range of products available from dozens of providers, it can be useful to have a good idea of the cover you require before you request quotes. This could help you save time by narrowing your search, so that the quotes you receive are specific to products that may be more suited to your needs. There are a number of factors to consider when selecting a travel insurance product, so keep in mind that the policy or provider with the cheapest quote may not necessarily offer the best value for your circumstances. Aside from the quoted premium, you may also want to consider factors such as what is included (and not included) in the cover, the dollar value that will be paid out for certain events, how much the excess is and the quality of customer service on offer.

Canstar rates

travel insurance

products by taking into consideration costs as well as features and determining each policy’s overall value to the consumer. The results are presented in a 5-Star format, with products that offer outstanding value receiving a 5-Star Rating. This can help consumers narrow their search to travel insurance products that have been assessed and determined to offer value, before seeking a quote.

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Travel insurance providers we research and rate

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

Domestic Providers

1300 Insurance

1Cover Travel Insurance

AAMI

AHM

AIG

Allianz Australia

American Express

APIA

ANZ

Aussietravelcover

Australia Post

Australian Seniors Insurance Agency

Australian Unity

Auswide Bank

Bank Australia

Bank of Melbourne

Beyond Bank

Big Sky

Blue Monkey

Budget Direct

Bupa

CGU

CHi Travel Insurance

Citibank

Columbus

Cover-More

Defence Bank

Duinsure.com.au

FastCover

Flight Centre Travel Group

GIO

Go Insurance Travel

Good 2 Go!

Greater Bank (Formerly Greater Building Society)

HBF

HCF

Holiday Rescue

HSBC

Huddle

Hume Bank

Insure 4 Less

Insure and Go

itrek

Kango Cover

Kogan

Medibank

MyCover

NAB

National Seniors Insurance

NRMA

OnePath

Online Travel Insurance

Ouch 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

Southern Cross Travel Insurance

St. George

STA Travel

Stella Travel Services

Suncorp Bank

SureSave

Travel Insurance Direct (TID)

Travellers Choice

Velocity Frequent Flyer

Virgin Money

Webjet

Westpac

Woolworths Money Insurance

World Nomads

World2Cover

WorldCare

Zoom Travel Insurance

Zuji

International Providers

1300 Insurance

1Cover Travel Insurance

AAMI

Allianz Australia

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 Bank (Formerly Greater Building Society)

HBF

HCF

HSBC

Hume Bank

Insure 4 Less

Insure and Go

itrek

Kango Cover

Medibank

MyCover

NAB

National Seniors Insurance

NRMA

One Path

Online Travel Insurance

Ouch Travel Insurance

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 Insurance

World Nomads

WorldCare

Zuji

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