Best Travel Insurance

Based on 18,310 reviews
Brand
Rating
Coverage Type
Maximum Age Covered
Pregnancy Cover
Overseas Emergency Assistance
Maximum Single Item Limit
Benefits Limit
Luggage & Personal Effects
Limit
Vehicle Coverage
Personal Liability
Motorbike / Moped Coverage
Cruise
Special Activities
Snow / Ski

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Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.7 

Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.

Southern Cross Travel Insurance

Southern Cross Travel Insurance 🏆 2026

4.6 
Summary
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Char
 

Easy to use, took a minute max, simple process! Definitely recommend. Show details

Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.7 
Summary
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Tom B
 

Easy to complete application and good cover with clear statement of benefits Show details

InsureandGo Australia

InsureandGo Australia 🏆 2026

4.3 
Summary
SHARRYNNSW
 

Great option for us with a hectic travel diary. Removes stress of applying each trip, financially ahead and easy to organise. Will use again next year. Show details

Tick Travel Insurance

Tick Travel Insurance 🏆 2026

4.4 
Summary
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Jani2 posts
  Fair Incentive

Easy process. Pre-existing medical conditions easily identified and can be worked thru/declared Show details

1Cover Travel Insurance

1Cover Travel Insurance

4.2 
Summary
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Ljuben StojceskiQLD
  Verified

All is good the process was easy to follow up and complete application. Show details

ReadySet Insurance

ReadySet Insurance

4.8 
Summary
Rosemary P.ACT
  Verified

I didn't make a claim but revised the start time for my travel. This was done promptly. Show details

Worldcare Travel Insurance

Worldcare Travel Insurance

4.4 
Summary
Geoff39 posts
  Verified

They paid out no questions, that's a measure. I got a comprehensive plan, which included war zone countries (Israel, Myanmar), understanding it only… Read more

covered non conflict injuries. There are not many companies that do so, so the extra cost was acceptable.

We were travelling from Iceland to Greenland when the plane aborted due to technical issues.

The claim was for a connecting ferry in Greenland, and the transfer to it (via a small boat). Total claim was $2634.10.

It was paid out in full, no questions asked. The payment was timely, being only 2 weeks post the claim. I had paid $2000 insurance for a 3 month trip.

Cannot but be happy.

TID Travel Insurance Direct

TID Travel Insurance Direct

4.2 
Summary
StewartQLD11 posts
 

I have never had to claim. this is more about admin. I wanted to extend, but that happened on a Saturday. they dont answer the phones on the… Read more

weekends. I guess their medical emergency line would be different, but I dont know. I logged in to extend online, and it said, sorry this function is temporarily out of function, I called, but no one working weekends. Pretty poor form for a travel company. on this alone, im never using again. why would I? get a company that cares enough to have someone available to fix stuff on the weekend, or to have their website up and running, or even have one of those question things on the website that is attended by a human that can help.

TID Travel Insurance Direct
TID Travel Insurance Direct    

Hi Stewart, Thank you for taking the… Read more (+1 reply)

PassportCard.com.au

PassportCard.com.au

4.8 
Summary
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Irene HarrisWA
  Verified

I have travelled with passport card 3 times. Each experience has been excellent. The consultants are so friendly and helpful. Lather prices are the… Read more

best. Also the fact that you don’t have to lay out money while on holiday and you have 24/7 contact. I can’t find a fault.

Freely Travel Insurance

Freely Travel Insurance 🏆 2026

4.5 
Summary
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IrisWA2 posts
 

Easy to use online app. Gives all info required. As seniors,also gpod value for money. Show details

Cover-More Travel Insurance

Cover-More Travel Insurance

3.8 
Summary
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Deborah
 

Our claim was paid within the timeframe. It was a bit tricky. Thanks Covermore. Show details

Seniors Travel Insurance

Seniors Travel Insurance

4.7 
Summary
ShaneNSW7 posts
 

Better Look After Us Oldies More – Well Peeps, since my last review on this mob, they’ve dropped the ball in my book. We off to Bali again next year so I decided as seeing I was so… Read more

happy with the last policies price, I’d give them another run. That’s where it stopped and I went with 1Cover. Why you ask? Short answer is that for the 7 weeks we will be away, they were 900 smackers dearer than 1Cover. I might be older but I’m not that dumb to part with that much folding stuff. It’s not as if my wife and I were going to do all the crazy stuff like hang gliding, parachuting or Bungi Jumping ( that would be hard to do in Bali ) like we used to when we were younging’s. All I wanted was a policy to mainly cover medical expenses just in case. So they lost my business and that’s sad in a way given they were so cheap last time. As Ned Kelly said on the gallows “Such is Life “.

Australian Seniors
Australian Seniors    

Hi Shane, Thank you for taking the time to… Read more

Allianz Travel Insurance

Allianz Travel Insurance

3.8 
Summary
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Wenzil P.VIC
  Verified

Very disappointing experience with Allianz Travel Insurance – especially when making my first claim I have used Allianz Travel Insurance for many… Read more

years, choosing them because of their well-known name, reputation and reasonable premiums. Fortunately, I had never needed to make a claim — until now.

Unfortunately, my first claim experience has been extremely disappointing.

While travelling, I lost personal belongings while visiting a swimming location. Before entering the water, I removed my prescription glasses and wedding ring and placed them underneath my towel while I went swimming.

My claim was rejected on the basis that I had not taken “reasonable care” to protect my belongings. I find this decision extremely disappointing given the circumstances. The swimming location had no lockers, no reception and no secure facility where valuables could be stored. I had to make a practical decision about where to leave my belongings while entering the water, and I believed placing them underneath my towel was a reasonable precaution in the circumstances.

I subsequently disputed the decision and provided further information explaining the circumstances. It has now been a month since I lodged my dispute, and I am still waiting for the matter to be resolved.

What makes this particularly frustrating is that I have been a loyal Allianz customer for years. I chose Allianz because I believed their reputation and established name meant that, if I ever needed to make a claim, I would be treated fairly and supported through the process.

Unfortunately, my first experience has been the opposite.

I understand that insurance claims need to be assessed against the policy terms and that not every claim will be accepted. However, I believe there is a significant difference between deliberately failing to protect your belongings and taking reasonable precautions in circumstances where no secure storage was available.

I also believe a customer who disputes a decision should not have to wait an unreasonable amount of time for that dispute to be addressed.

Travel insurance is purchased for peace of mind. After paying premiums for years, it is extremely disappointing to discover that when you finally need to rely on the insurance, you are faced with a rejected claim and a lengthy dispute process.

This experience has seriously changed my opinion of Allianz Travel Insurance. I chose Allianz for its reputation and reasonable rates, but after my first claim, I would now think very carefully before purchasing travel insurance from them again.

Zoom Travel Insurance

Zoom Travel Insurance

4.2 
Summary
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AnastasVIC
  Verified

WOULD NOT RECOMMEND! We selected and paid for comprehensive travel insurance before travelling. Unfortunately, we had to cut our USA World Cup trip… Read more

short due to a family emergency, as my father in Melbourne fell seriously ill while we were abroad. This situation necessitated our early return, leading us to cancel our remaining accommodation and purchase an earlier flight to be with my father in the hospital. We submitted a family emergency claim; however, it was denied on the grounds that my father was 89 years old. The fine print in their 85-page terms and conditions document states that claims will be rejected for individuals over the age of 85, a detail we were unaware of. It is clearly discriminatory against the elderly, and it is unjust to treat individuals differently solely based on their age. Furthermore, this has a subsequent impact on the Zoom policyholders who have elderly parents Their approach was rigid, lacking consideration for individual circumstances. The claims process was fraught with difficulties and stress, and they exhibited no compassion throughout. Despite submitting all necessary documentation, including hospital reports etc, our efforts were in vain. We incurred a loss of $3,100 for the early return flights and $700 for unused accommodation, totaling a $3,800 claim that was denied due to a clause in their terms and conditions. I would advise against using their services, as the claims process was excruciating and highly stressful. Would not recommend them.

ahm Travel Insurance

ahm Travel Insurance

4.5 
Summary
paul priceWA5 posts
  Verified

Real helpful when I ask for medical insurance and the price Show details

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jan r36 posts
  Verified

Easy to obtain Fast online sign up Cheapest for over 70s on yearly policy Show details

Travel With Jane

Travel With Jane

4.4 
Summary
Peter MarshallVIC13 posts
 

Jane Travel Insurance – Very bad as two emails to them with a copy of Grand Princess letter as did not go to Newcastle because of CO-VID19 but no replies. Show details

RACV Travel Insurance

RACV Travel Insurance

3.3 
Summary
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LouiseVIC3 posts
 

Terrible experience, avoid this travel insurance company at all cost! My daughter became unwell in Japan and required ambulance transport and… Read more

hospital care and was too unwell to return home for over a week. RACV travel insurance (Tokio Marine) provided little to no support to her during this challenging time, despite multiple phone calls to them. She was ignored, brushed off to their “local office” (which we believe was imaginary). She was left scared, sick and alone and unable to get medical clearance without jumping through paperwork hoops, which was a requirement of the company in order for her to get a flight organised by them. Once home, She lodged a claim for expenses straight away which once again required a stupid amount of paperwork, and after a month they got back to her requiring even more paperwork. Another month and a half later and many phone calls to them and part of her claim was approved. It has been now three months since she returned home and still no payout.

Budget Direct Travel Insurance

Budget Direct Travel Insurance

3.2 
Summary
KrisNSW5 posts
  Verified

My suitcase was broken during my trip to New Zealand. It was in perfect condition when I went and came off the carousell scuffed and dirty with a… Read more

broken extending handle. This was an expensive suitcase a replacement was in excess of AU$600. Budget Direct said it was cleary used due to it's current appearance (it looked like it had fallen off the baggage cart between the plance and the terminal or terminal to aircraft). THey then said their refund was minus 60% depreciation and because I had no receipt for the case they refused to accept my word or photographs that it was a Samsonite case. I have challenged to AU$40 they offered me and am now mounting a campaign to stoip them getting their 5 star insurance rating because of very poor service. You are wasting your money insuring with them. They are cheap and so is the service you get when you use them BEWARE

Budget Direct
Budget Direct    

Hi Kris. Thank you for taking the time to write… Read more (+1 reply)

RAC Travel Insurance

RAC Travel Insurance

3.3 
Summary
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Brad V.WA2 posts
 

I had a detached retina in Bali, at the start of 2026, and needed emergency surgery to prevent loss of sight. We had comprehensive RAC travel… Read more

insurance.

We did everything correctly and contacted their medical assistance, etc. They were sent doctors' reports stating that emergency surgery was required. Communications started positively, but then fell away dramatically. When it came down to paying or guaranteeing payment so I could have surgery, they would not do it. It was an issue trying to organise emergency surgery, while the insurer indicated they would pay and then didn't deliver.

At the end of the day, we had the $10k available to get through the process, but I can imagine many others would not be so fortunate.

It’s not the months waiting to actually get some money back, or the rigmarole we had to go through in Australia (time and money). It’s the fact that without $10k on hand in Bali, I would not have been able to have surgery and would have lost sight in one eye. Worth way more, to me, than the $10k.

Just don’t go there. If [Content Removed] hits the fan and you need assistance, it’s not going to give you what you need. Stay away.

RAC Travel & Touring
RAC Travel & Touring    

Hi Brad Thank you for taking the time to… Read more

Boomers Travel Insurance

Boomers Travel Insurance

4.8 
Summary
NormQLD
 

It was challenging to determine the value against competitors due to the layout of the cover details. Boomers has a structure that is dissimilar to most other insurers. Show details

Easy Travel Insurance

Easy Travel Insurance

4.7 
Summary
Walter
 

Getting cover for my sister to visit was so simple, and I could actually talk to them... even though I realised I knew the answer before my call was answered. Show details

SureSave

SureSave

3.2 
Summary
Neil68 posts
 

Profiteering from coronavirus – Suresave have in effect have a cancelled policy - by them through the pandemic clause and then through government action they are no risk of a claim… Read more

of any sort. Yet their position is that they should not refund premium even though they are offering no cover and are at no risk. Here is my conversation....

Why would it only be about cooling off period? You have no insured risk due to epidemic catch all clause. I can’t cancel due to other reasons as cruise is not on. I can’t get sick on cruise as it is not on. I can’t have travel problems as we can’t travel I can’t lose any luggage as we can’t travel.

For you to be able to keep premium, when you are accepting no risk ....would seem to be at best unconscionable conduct.

I will advise the ACCC etc of your starting position. Ours will not be only case.

Neil

On Mar 23, 2020, at 10:17 AM, "info@suresave.com.au" <info@suresave.com.au> wrote:

WN logo Hi Neil,

Thanks for contacting us at SureSave! My name is Xxxx. and I am part of the customer service team.

We’re sorry that your travel plans have been cancelled and understand you now wish to cancel your travel insurance policy. We have to check whether your policy is within cooling-off period and eligible for refund.

If you have any further questions please do not hesitate to contact us.

Kind regards

Bupa Travel Insurance

Bupa Travel Insurance

3.2 
Summary
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Annalise L.VIC
  Verified

Assistants were rude and determined $100 "fair" compensation for $800 worth of damage. Show details

Medibank Travel Insurance

Medibank Travel Insurance

2.8 
Summary
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maxVIC11 posts
 

Had used Medibank for our last trip was happy with cost and service did not make a claim So we decided to use again and were quoted $18,000 for a 7… Read more

week trip we are age 77 have declared health issues and are members of Medibank Private for many years our health issues well documeted and managed we are considered by medics in good shape this just smacked of overpriced age discrimination beware check around we have found a great alternative much much cheaper

Medibank
Medibank    

Hi Max, Thank you for sharing your feedback. We're… Read more

RAA Travel Insurance

RAA Travel Insurance

3.0 
Summary
Ross P.SA2 posts
  Verified

DO NOT USE RAA Travel Insurance, your policy is not worth the paper its written on! Our backpack went missing & our claim denied because at one stage… Read more

during the day the backpack was off our back to feed our 1 year old so RAA stated the bag was left unattended even though we told them it was at our feet.

World2Cover

World2Cover

2.9 
Summary
Patricia W.NSW
 

I have just purchased my travel insurance with World2cover and realised when I received my policy documents that I had made two small errors in my… Read more

declarations regarding medical assessments. This was quickly and successfully resolved. This is the first time I have insured with World2cover, and I will happily continue to insure with the company in the future, and would recommend them to others

AllClear Travel Insurance

AllClear Travel Insurance

3.9 
Summary
LucindaWA
 

I found when purchasing my policy All Clear were easy to deal with, I bought online then had to call and make amendments and the person was very helpful Show details

Travel Insuranz

Travel Insuranz

3.0 
Summary
Chleo P.
  Verified

Absolutely terrible experience with Travel Insuranz. I lodged a claim over 6 months ago and have heard nothing back despite multiple follow-ups.… Read more

They’ve been completely unresponsive and have not paid a cent towards my claim. This level of customer service is unacceptable—avoid at all costs.

World Nomads Travel Insurance

World Nomads Travel Insurance

2.4 
Summary
BiancaVIC3 posts
 

World Nomads insurance is terrible when a real issue arises. I am currently travelling and last leg is on 25th December to Cambodia. After multiple… Read more

emails, they cannot let me know if the area I plan to travel to will be covered. It’s in the “yellow” zone, not the “red” zone and therefore not officially a no travel area, but also not safe. My policy covers chance to flight if something arises, but they cannot confirm if they will cover costs if I amend flight to go home instead and avoid Cambodia, as I’m flying in to a “yellow” zone. No clarity, their advice to me is to do what I think is best and then they might or might not refund flights and if I do go I might or might not be covered!

Ad
Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.7 

Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.

A model plane sitting atop a passport. Next to it is a small model globe of the world and a stethoscope.

Do I need travel insurance?

If you’re travelling overseas, travel insurance is as important as a passport. It will help cover the cost of things like accidents, illnesses, cancellations and delays while you travel - the Australian government will not cover these costs for you.

There are also some countries - like Thailand, Cuba, and all Schengen countries - which require you to have travel insurance to enter.

Do I need domestic travel insurance?

You don’t need to purchase travel insurance for domestic travel, but some people still choose to, typically for the following reasons:

  • Cancellation costs, particularly if you’ve spent a lot of money on your trip.
  • Damage, loss or theft of baggage, especially if you’re travelling with valuables or gear.
  • Car hire excess.

Do I need travel insurance for a cruise?

You should purchase insurance for both international and domestic cruises.

Even if your cruise doesn’t leave Australian waters, Medicare (or your private health fund) won’t cover your hospital or medical costs once your cruise ship has left port. Cruises won’t automatically be included in all policies, but you can often find cruise-specific travel insurance policies.

When should I buy travel insurance?

You should purchase travel insurance as soon as you know when you’re travelling and have booked your flights. This means you’ll be covered if your trip gets cancelled or you’re unable to travel, as you’ll be covered as soon as you buy your policy.

What to consider when choosing a policy

This isn’t a definitive roundup of everything you should consider before deciding which insurance policy is the right one for you, but it covers the main considerations you should be making when deciding what’s right for you.

Ensure that you read a policy’s Product Disclosure Statement (PDS) carefully before you purchase it. This is a document that outlines all the inclusions, exclusions, limits, and other details of a policy.

Your destination

It’s a good idea to regularly check the Australian government’s Smartraveller website to see the safety status of your destination. Some countries have “Do not travel” warnings, and travelling to these places will likely void your insurance.

There are many countries on the “Reconsider your need to travel’ list. While an insurer may still cover you for these countries, if circumstances in a specific country change (such as escalation of political unrest), they could be moved to the “Do not travel” list.

The length of your trip

If you’re going for a single trip away, then you only need to buy a travel insurance policy for a fixed number of days. Those who travel often may want to consider taking out an annual multi-trip travel insurance policy. You can also get one-way travel insurance if you’re moving overseas.

What you'll be doing

If you have activities you’re planning on doing, you should take out a policy that will cover these. Many activities deemed to be “risky”, such as adventure activities like scuba diving or abseiling, may not be included in your policy. Your best bet is to call an insurance company to ask if you’ll be covered for your activities, and if not, whether cover can be arranged.

What you're taking

Whether or not you’re travelling with valuables, travel insurance can help cover the cost of loss, damage, or theft of your belongings. Cover can range from $100 to $25,000. If you’re not taking expensive items with you, then you can save on your premium by choosing a policy that provides less cover.

You should also check how a policy covers valuables; sometimes check-in luggage or baggage stored in a hire car isn’t covered.

Medical conditions

You should disclose any pre-existing medical conditions you have to your insurer.

Before purchasing a claim, ensure that any pre-existing ailment you have is covered, as even common medical conditions, like asthma, can be excluded under some policies. Some travel insurance companies will also cover change of travel plans caused by a mental health issue.

If you have a disability and are travelling with equipment such as a wheelchair or hearing aid, ensure that this is insured as well.

Excess

Travel insurance excess (also referred to as a deductible) is the agreed amount that you will pay towards a claim on a travel insurance policy. Once the excess is settled on a valid claim, then your insurance provider will pay the remainder up to the limit defined in your policy’s Product Disclosure Statement.

For example, if your excess on lost belongings is $200, then you’re responsible for paying the first $200 before your insurer will begin to pay for you.

Usually to keep your excess low, you have to purchase a high level of cover or pay a higher premium.

A man walking through an airport terminal wearing a satchel on his shoulder and pulling a suitcase behind him.

Exclusions

Exclusions are what isn’t included in your cover. A policy’s Product Disclosure Statement will list these exclusions, so make note of these as well as any activities or situations that will mean you won’t be covered.

Some common exclusions in travel insurance policies include:

  • Activities deemed ‘high risk’, such as bungee jumping and riding a motorbike.
  • Illness caused by a pre-existing medical condition.
  • Loss or theft of luggage that is unattended or left in an insecure place.
  • Travel to areas against official government advice.
  • Accidents arising from you being under the influence of drugs or alcohol, or if you were acting recklessly.
  • Costs related to pregnancy.

Limits

For travel insurance policies, there will typically be a maximum dollar value up to which you can claim for a single incident.

This is a particularly important consideration if, for example, medical treatment is extremely expensive at your destination, so ensure that your limits are suitable for where you’re heading.

Other things to consider

  • Age: double check that your policy covers your age and those of the people you’re travelling with. Some insurers charge higher premiums for older travellers, and sometimes “older” can mean as young as 50.
  • Premiums and costs of excess: You should always make sure that a policy’s premiums are within your budget, and that you can afford to pay the excess if something does happen.

How to use our filters to compare travel insurance policies

Here’s a quick overview of each specification to help you compare travel insurance policies and choose the right one for you.

Coverage type

  • Single Trip (Overseas): coverage for one standalone overseas trip.
  • Multi-Trip (Multi-Trip): coverage for annual multitrips. A maximum days limit per trip applies.
  • Medical-Only: basic coverage for medical expenses and assistance.
  • Already Overseas: coverage if you've already left Australia and need travel insurance. A waiting period usually applies, between 24 hours and 72 hours.
  • Domestic: coverage for domestic travel within Australia.
  • Non-Medical: coverage for luggage and cancellations etc, excluding medical coverage.
  • Vehicle Only: coverage for rental vehicle excess only.

Maximum age covered

  • Many travel insurance policies have an age limit, so use the slider to view policies that will cover the oldest person in your travelling party.

Medical coverage

  • Use the filters to view policies that cover Pregnancy and Overseas Emergency Assistance if needed.

Luggage & personal effects

  • Maximum Single Item Limit: the maximum you can claim per item, exclusions or different limits for different types of items may apply.
  • Benefits Limit: the maximum total value of all your claims combined that you can be reimbursed for.

Ancillary

  • Personal Liability: the maximum amount you'll be covered for if you become personally liable for any damage to other persons or their property.
  • Motorbike/Moped Coverage: coverage dependent on engine capacity - see Details (use the Compare feature or view individual listings) and the insurance provider's Product Disclosure Statement for specifications.

Rental vehicle excess

  • Limit: the amount your policy will cover you for if you become liable to pay any rental car hire excess as a result of damage or theft to a rental vehicle.

Special activities packages

  • Special Activities: choose Snow / Ski, Cruise, Adventure / Extreme Sports and Golf if you want to be covered for any of these activities. They may be included in the policy, or an optional extra.
  • For even more specific filtering, as Cruise and Snow / Ski are the most popular activities, choose between Included or Optional Extra to find policies that either already have these activities included or if you need to purchase an add-on for coverage.

Handy Tip: After using the filters to narrow down your options to view only policies relevant to your needs, use our Compare feature to view even more in-depth details, such as the maximum weeks pregnancy is covered for, emergency dental limits and specific single item limits.

Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.