Best Travel Insurance
Fast Cover Travel Insurance
4.7Get 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 🏆 2026
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This was the first time we had used Southern Cross travel insurance. They gave a very competitive quote with all the things we needed for our holiday… Read more
were covered. The process to complete the application was quick and easy. The PDS was easy to read and reassured me that we would be covered in the event of needing to make a claim. I would recommend Southern Cross Travel Insurance to friends for their next holiday.
Fast Cover Travel Insurance
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Abigail was very pleasant, informative, realistic, cognisant of client concerns and opinions, and factual. Show details
InsureandGo Australia 🏆 2026

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Hi, I recently traveled to Japan and experienced an unfortunate passport mixup on the day of my return flight causing me to miss my flight. Not… Read more
thinking it could be a viable claim due to my lack of attention to detail i paid for my return flight & returned back to Australia. I contacted Insure&Go a couple of days later & it was suggested that i put a claim in. I went online and completed the application where possible as I could only provide the details of the missed & rebooked flight together with a bank transfer receipt of additional flight payment - this was not all the required documentation as i simply didn't have it. To my surprise and absolute joy i was contacted by Shahila Jaafar from Insure&Go and with a couple of back & forth emails over 2 days my claim was approved and the funds were transferred into my account the next day. I've never experienced dealing with such a prompt, professional company such as Insure&Go. Their service was of the highest level and the fact that they waived there required documentation following my explanation was so unexpected but truly appreciated. i'll not travel again either domestically or internationally without taking out one of there great value policies.
Tick Travel Insurance 🏆 2026
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The speed and ease to get a quote and purchase the policy is very efficient Show details
1Cover Travel Insurance


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Although I have never made a claim with any travel insurance the purchasing process was so much easier than other platforms and contained everything that I needed to cover. Show details
Worldcare Travel Insurance
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.
ReadySet Insurance
The quotation was very affordable and the process clearly defined on the website. The actual website would benefit from some minor enhancements such… Read more
as an explanation as to putting in your current age rather than your age when you intend to travel. This issue was compounded by the fact that when the website said there was an invalid age you were sent back not to the page that your age was entered but to the beginning and you had to start anew. A little frustrating when I was completing the process for a group which meant a lot of inputting sev real times (Im a slow learner!)
I also attempted to compare a multi trip insurance however this appeared not to be so well thought out. No selection of countries and very confusing so I didn't bother. Whether a multi trip insurance was a more efficient way of purchasing insurance I do not know but the process on the website could be improved. E.G. How many trips? Which countries, Total days estimated overseas etc
Apart from this the whole quote and purchase procedure was reasonable and I will certainly be using you again.
TID Travel Insurance Direct
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.
PassportCard.com.au
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Submitted a claim and haven’t heard anything back not sure don’t know why it takes so long should be looked at straight away especially with… Read more
something so simple as having money lost/stolen which I didn’t notice till i got back onto the cruise we were without $1500 and had no signal on the islands to contact so had to wait till got back unless the service improves might have to use someone else
Freely Travel Insurance 🏆 2026
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I Have used Freely a few time but never again I Have used Freely a few time but never had to claim, but I will never use them again. We had our… Read more
Jetstar flight to Japan from Brisbane canceled the night before we were leaving and Jetstar said they can put us on another flight 2 days later, but this would not work for us, so they Jetstar gave me a full refund within 14 days. but I had allready paid for hotel and rental car. It was only $500 I was asking Freely to pay and its now been since the 11th of June and they still are asking for extra things and will not pay.
Seniors Travel Insurance
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 “.
Hi Shane, Thank you for taking the time to… Read more
Allianz Travel Insurance
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Only listing a 1 star as I can’t do zero. This company has been ridiculous to deal with, based on the fact that one flight was delayed therefore… Read more
causing us to miss our connecting flight. Lodged a claim and was asked to get written confirmation from all airlines and information that had already been provided. Never again
Hi Imran I thought that having travel insurance was supposed to be beneficial to the customer. You, being a travel insurer should be able to access this information through the appropriate channels. I have already supplied you with my original travel itinerary. I have not received any compensation from Batik nor Rex, and also not from you. To say I am highly unsatisfied with your company would be a gross understatement Kind regards
Cover-More Travel Insurance
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Had to put in a delayed luggage claim as our daughter’s luggage didn’t make it on to her final connecting flight. She didn’t get her luggage till… Read more
five days later so had to buy cosmetics, shoes, underwear, swimwear etc amounting to about $500 and Cover-More pleasingly covered it all. It was reasonably easy to make the claim online, as long as you have photos of all receipts and it was quick and easy to set up a policy online. We’ve used Cover-more for many years for lots of overseas trips but this may have been the first time we’ve had to make a claim and it has worked so I recommend.
Zoom Travel Insurance
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Easy to navigate through the site and select only what I wanted to be insured for at a good price. Let's hope that I don't have to use it. Show details
ahm Travel Insurance
I had to be shifted from call person to call person until "someone" found a person in travel to take my call. It made me feel that you did not want… Read more
my business. The woman who sold me the policy then, did not transcribe my email address properly, and I then spent 2 hours chasing up a copy of the policy to peruse. Not very profesional!
Everyday Travel Insurance from Woolworths
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I am happy with the coverage promised for the price I paid. Hopefully making a claim will not be necessary. Show details
Travel With Jane
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
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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
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
Hi Kris. Thank you for taking the time to write… Read more (+1 reply)
RAC Travel Insurance
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Do not buy as they will not cover. I had booked my family trip to Turkey and Greece with a stopover in KL. On my way back from Greece i had a… Read more
terrible migraine and at KL airport i had to book hotel and rest and missed my onward flight. And when i felt better i booked a later flight. When i submitted a cliam RAC refused saying i should have a medical certificate. I was unable to stand all i needed is proper sleep and i had my meds too. But they wanted me to search up a doctor and go get a certificate. I don’t think anyone should buy their travel insurance. I am a travel agent by profession and i highly recommend at using The passport card travel insurance. Be careful who you choose as your travel insurance provider many are like RAC you have insurance but they will not covet. They look for loop holes to get out of it. All they care about is taking your money from you on the name of oh you are covered but actually you are not.
Hi Amarit Thank you for taking the time to… Read more
Easy Travel Insurance
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
Boomers Travel Insurance
Ian was very helpful and patient answering all my questions. Quick at returning my calls and was very competitive with pricing. Pleased they included cruising at no cost. Show details
SureSave
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
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Assistants were rude and determined $100 "fair" compensation for $800 worth of damage. Show details
Medibank Travel Insurance
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Medibank Travel Insurance was easy to set up and to make a claim. They also were very good at giving me feedback on my claim. I've used this Travel Insurance about five times now. Show details
RAA Travel Insurance
Bill was enthusiastic about our trip. Sympathetic regarding recent hospitalisation. Joked with us about our dollar going a long way. Show details
Travel Insuranz
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.
World2Cover
Well priced policy. Had to make our first travel claim ever for medical reasons and the service was excellent. I put the claim in that night and by lunch the next day I had an email it was all approved! Highly recommended. Show details
AllClear Travel Insurance
Easy to navigate and a fair price and worth it Show details
World Nomads Travel Insurance
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!
Fast Cover Travel Insurance
4.7Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS.
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.
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.
Hi Stewart, Thank you for taking the… Read more (+1 reply)