travel insurance brokers australia

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Insurance for your Leisure Travel Adventures

When you’re having the adventure of a lifetime, the last thing you want to worry about is how you’re going to pay for any unexpected mishaps. With tailor made travel insurance to cover everything from medical expenses to lost luggage, cancellations to injury, you’re in for a very bon voyage!

Instant online quotes and cover!

Arranging leisure travel insurance online has never been so quick, easy and affordable.

With SUREWiSE, now you can quote, arrange a new policy and pay for your policy’s premium online. How’s that for peace of mind protection before you travel!

Below is the link to the online insurance systems of PassportCard . Simply click on the links below to start quoting now. But if you prefer old fashioned service, give our team a call on 1800 273 256  or click the ‘Get A Quote’ button to provide us with your details and we’ll contact you.

Smart Traveller

Don’t forget to register your travels with Smart Traveller. And be the first to know official government advice when travelling by subscribing to Smart Traveller’s travel advice and bulletins. Simply log onto https://www.smartraveller.gov.au/  and follow the links.

Flexible payment options

When it comes to paying for your insurance, we can offer a range of payment options to help improve your cash flow.

Not all insurance policies are the same

Not all insurance policies are the same and you usually get what you pay for. It’s a case of “buyer beware”. We compare the differences between insurance policies which helps us arrange the most appropriate insurance policy for you and provide you with the right advice, allowing you to make an informed decision.

Access to more insurers

We have access to a wide range of insurers, including those who don’t deal with the general public. This provides more options for your consideration and helps ensure you can receive the best level of cover available.

Don’t wait until it’s too late!

There’s so much to take into consideration when deciding which policy best suits your specific needs and requirements. Contact our team of qualified and experienced insurance brokers today for the right insurance cover and the right advice.

Need an insurance quote?

For professional advice and to request an insurance quote, click on the ‘Get A Quote’ link below to provide us with your details and one of our qualified & experienced insurance brokers will contact you as soon as possible.

Alternatively, contact us today on 1800 273 256 to speak to an insurance expert.

GET A QUOTE

Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Travel Insurance

Covid-19 Benefits Available for One-Trip and Cruise – Domestic and International Policies (Silver and Gold). Find out more here .

We’re committed to offering you comprehensive and award-winning travel insurance products to travel in Australia or internationally at competitive prices. We don’t lock you into one product; we know that not everyone needs everything our top product covers, so we’ve created three levels of cover: Bare Essentials, Silver, and Gold, so you can compare travel insurance and choose the product that best suits your needs.

When you choose InsureandGo, you will get peace of mind knowing that you’re travelling with a provider that offers an expansive, 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance, a global assistance company with a presence in more than 200 countries and a network of more than 750,000 assistance providers. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

Not only that, but with our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.

But you shouldn’t just take our word for it, we’ve won 16 separate awards and recommendations from comparison services and consumer advocacy groups in the last 10 years. We recently received the Finder 2023 award for “Travel Insurance – Domestic”, WeMoney 2023 award for “Best for Seniors” and “Best for Value – Cruise Travel Insurance”. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019, and 2022. In 2022, we won the Canstar award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

presence in more than 200 countries

network of more than 750,000 assistance providers

Europ Assistance helped 1.2 million travellers worldwide

One trip travel insurance

Annual multi-trip insurance

Cruise travel insurance

Domestic travel insurance

Backpackers travel insurance

Benefits of our travel insurance.

What is travel insurance?

Travel insurance is an insurance policy designed to financially protect you while you’re travelling, and to protect the financial investments you’ve made by booking a holiday. While purchasing travel insurance is not mandatory, the Australian Government strongly advises that all Australian travellers protect themselves with travel insurance¹ , regardless of whether you are travelling domestically or internationally.

A travel insurance policy is an essential tool designed to help protect you from financial losses that can be incurred from a wide range of factors. These factors include (but are not limited to) the need to cancel a trip, needing overseas medical treatment, or replacing lost or stolen luggage and personal belongings.

Always read the PDS before buying a travel insurance policy to make sure the product is right for you.

Important steps to consider before getting a travel insurance quote

The last thing you want is to end up with a policy that doesn’t cover what you need. So to get you started here are a few things you should consider:

Check smartraveller.gov.au to make sure your destination is safe to visit.

Confirm that all people named on the travel insurance policy are residents of Australia. If you are in Australia on a working holiday VISA, a sponsorship VISA or even a student VISA, it’s important for you to have valid Medicare cover, or private health insurance, for the length of your trip.

Make sure you buy your travel insurance policy before you start your trip. If you buy it after you’ve left it will be invalid.

Tell us about your  pre-existing medical conditions , we can assess your pre-existing medical condition and if approved, offer you cover. It’s really important that you’re open and honest about this, because if you don’t declare all pre-existing medical conditions they may not be covered.

Work out if you’re willing to pay an excess. An excess is deducted from any payment we make to you. For example, having a $200 excess reduces your premium, but if you make a claim, $200 would be deducted from any claim payment. Conversely, if you chose to waive the excess, your policy would be more expensive but you would get 100% of the claim back, provided your claim is approved and does not exceed your policy limits. Our standard excess amount is $100 but you can decide to remove or double this amount through the purchase process. Find more info about excess here .

Read the  Product Disclosure Statement . Familiarising yourself with it now can save you headaches later on.

What Does Travel Insurance Cover?**

Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan.

Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while travelling overseas.

Having travel insurance means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs.

We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions.

It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re travelling.

But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged.

Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.

Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip.

This includes your passport, travellers cheques, and visas.

You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.

Travel delays are an unfortunate reality these days.

There are many causes, but the number of global delays per day can often be as high as the tens of thousands.

If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses. Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.

Some travellers prefer to hire a car on holiday for the additional freedom.

However if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess.

We will reimburse the rental car insurance excess, if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.

Please note rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.

We hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel.

An insurance policy that includes cancellation cover will mean you are reimbursed for the cost of flights, accommodation, visas and paid for excursions or activities, in the event that you need to cancel your travel plans due to injury, unforeseen illness overseas, or because of other reasons that are outlined in the PDS.

We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation.

**Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant PDS .

Customer testimonials

“easy process to make a claim”.

“I had to cancel my trip due to a medical condition, so I made claim. I was updated when my case was being reviewed, then advised when I got approved. Funds were in my account the following night. It took 10 days in total from InsureandGo receiving documents to funds in my bank, excellent service. Easy process to make a claim.”

“Would definitely recommend this company”

“This was the first time with this company, and it was very easy to set up our policy. Unfortunately we made a small claim which was dealt with very quickly and would definitely recommend this company.”

“I needed to claim, they were first class”

“This is the only travel insurance company I use. I can get insured for my pre existing conditions, the premium is reasonable, and when I needed to claim, they were first class, helpful, responsive, and paid immediately, allowing me to be released from the hospital in Thailand.”

Frequently Asked Questions

You can either  lodge a claim online  or  download a claims form  from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We will endeavour to give you a response within 10 business days.

Please contact us if you have any questions regarding the claims process.

You should register your claim within 30 days of completing your travel.

The important reason for purchasing travel insurance is to gain coverage for overseas medical expenses which can prove to be extremely expensive in many countries should you require it.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for transportation of very ill patients back to Australia to receive treatment.

Some countries might ask you for a copy of your travel insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase travel insurance before applying for a visa. Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to and including the 30th week for one baby only.

There is no cover for claims resulting from your pregnancy or childbirth after the 30th week of pregnancy.

However medical expenses cover will be provided for a range of complications associated with pregnancy before the 31st week of pregnancy. Please read the PDS for more information.

If you become pregnant after you purchase a policy and will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip, you may be covered for the cancellation of your trip before departure, as explained in the PDS. 

Please keep in mind that no cover is available for children who are born overseas during your trip.

InsureandGo does not automatically include cover for any pre-existing medical conditions. But all conditions can be considered via a medical questionnaire that you can either complete online or through the call centre.

A pre-existing medical condition is any diagnosed medical condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication. 

To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

Please contact us if you would like to complete the questionnaire over the phone.

When purchasing travel insurance with InsureandGo, you will have the option to choose between three different levels of cover; Bare Essentials, Silver, and Gold.

Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. Silver includes all of this, but covers you for a lot more, including trip cancellation, travel delay expenses, and more. Gold Policies cover everything in the Bare Essentials and Silver levels, though insure you at a higher cash value, and additionally include cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.

If you opt for an annual policy^(not currently available) over a single trip policy^, you will be covered for unlimited international trips over a 12 month period. Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.

To customize your policy, there are a number of additional upgrades available which offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.

InsureandGo offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up to and including your 30th week if you are expecting a single child, or up until your 24th week if expecting multiple babies.

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren.

Dependent children are considered as your financially dependent children or grandchildren (including fostered, or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.

That basically means, those 17 or under can travel for free**, as long as they travel with parents. However, if the child is 18 or above, he/she will be charged as adults, whether or not they’re on our couple/family policy^.

Parents or grandparents can buy insurance on behalf of dependants as long as dependants under 16 years of age will have full 100% adult supervision during the trip.

Purchasing travel insurance earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase your travel insurance, the longer you can take advantage of cancellation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey. Prepaid travel costs may include flights, accommodation, and tours, and these may be covered if you need to cancel your trip due to employment redundancy, a natural disaster, certain situations relating to pregnancy, or the injury, illness, serious damage to your home in Australia or death of someone in the travelling party or a relative based in Australia.

A PDS or Product Disclosure Statement is a legal document that contains useful information about your travel insurance policy. It is very important to fully read the PDS, as it contains the key benefits and features of your policy and explains your rights and obligations in relation to your policy. Reading the PDS will allow you to thoroughly understand your policy and better help you choose the policy that is right for you.

Within the PDS, you will find helpful and detailed information regarding your travel insurance policy’s applicable excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential.

Travel inspiration

Product disclosure statement

Make sure you’re covered for what you think you are by reading our Product Disclosure Statement

Have a question? There is a high chance you will find the answer in our FAQs section.

Follow us to keep up to date with competitions, giveaways and all things travel

¹ Australian Government – Department of Foreign Affairs and Trade: http://smartraveller.gov.au/guide/all-travellers/insurance/pages/default.aspx#why-get-travel-insurance. ^ Cover for Connecting flights does not apply for any cost incurred where your scheduled transport is delayed by less than 4 hours or any claim that results from you missing a connecting flight where the stopover was originally scheduled on your itinerary at less than 6 hours.

**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.

• Travel insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency assistance
• Travel alerts Cover-More App
• Manage policy

Holiday more, worry less – pack our travel insurance

• Not sure? See full destination list.

Did you know we have an award-winning app?

It's as good at getting you out of a tight spot as it is at giving out travel tips.

Discover our app

How do I find the best travel insurance plan for my next adventure?

Budget or blowout, high-end or low-key, only you can know which level of cover is right for your trip – we just want to help you have fun while you travel, safely. Bag packed? Let’s go!

International Basic

Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.

Pre-trip cover if you’re diagnosed with COVID-19

On-trip cover if you’re diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single trip policies

Annual multi-trip policies^

Rental vehicle insurance excess

International Comprehensive

More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.

Pre-trip cover if you’re diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Single trip or annual multi-trip^^ policies

Rental vehicle comprehensive cover

Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.

Up to $25,000 luggage cover*

Business trip benefits

Compare what’s covered

Important bits for you to know:

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Still thinking about COVID-19?

Gone but not forgotten – in case COVID-19 joins your trip despite not being invited, you’ll have cover for:

Unforeseen overseas emergency medical costs*~#

Unanticipated amendment or cancellation costs*^

Unexpected additional expenses*#^

Discover our COVID-19 Cover

*Limits, sub-limits, conditions, and exclusions apply.

▵Pre-trip Amendment or Cancellation Costs cover is only available on our Comprehensive Plan and Comprehensive+ Plan.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

You can travel more, do more, smile more – and we’ll Cover-More

More control

You choose the right plan and cover options for your trip. (You holiday your way, we’ll do the rest.)

More confidence

Access to an award-winning 24/7 assistance team. (They know how to get you out of a pickle.)

More laughs

Get automatic cover for 80+ activities. (Novices or experts – everyone’s welcome.)

More wisdom

We’ve been doing this for more than 35 years. (Yes, we know what we’re doing.)

Had a holiday hiccup?

Don’t worry – you can submit a Cover-More travel insurance claim online at any time, from anywhere.

Need emergency support, fast? We’re here for you, 24/7

More ways to make your cover yours.

Doing more than simply sitting under a beach umbrella on your upcoming trip? We can help you vary your cover, so you travel your way, safely

Setting sail?

Are you heading out onto the ocean or the sea for two nights or more? Then you’ll need to include our Cruise Cover.

Hitting the slopes?

Before you set foot on the snow at home or overseas, choose one of our two levels of Snow Sports Cover.

Adrenaline junkie?

If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.

Love two wheels?

Planning to travel on a motorcycle or moped as the driver or passenger? Check out our Motorcycle/Moped Cover.

True travel claims stories: our Cover-More travellers share their tales

When it comes to unexpected incidents, we’ve seen it all (and then some). But this is good news for you: when you travel with a Cover-More travel insurance policy, you can worry less knowing you’ve got a caring team by your side, 24/7.

Mosquito bite in Bali

For a small insect, mosquitos are might powerful… Shannon was bitten by a one in Bali and got Dengue Fever, but we were there to help her get the care she needed.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boating mishap in Thailand

Natalie went to Thailand for a good time but ending up being involved in a speedboat crash (ouch!). We were there to help her get the care she needed for her fractured pelvis and brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Broken bones in Poland

Irene didn’t plan to end up falling and getting a bad fracture in Poland when she was there visiting family… but lucky she had us to help cover her extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

More care, less worry - try our Cover-More travel insurance for your holiday

Caring is sharing… useful travel tips.

Whether you’re about to get your first passport stamp or you’ve been collecting them for years, every day can be a school day. What will you learn about travelling today?

9 common travel insurance myths

We separate fact from fiction so you can get the truth about the benefits of travel insurance.

3 ways our assistance team can help you

We’re not just here to help you with catastrophic situations, we can help with the small stuff, too.

7 ways our app can help you travel smarter

You’ll be trip-ready with travel tips, safety advice and more, all in the palm of your hand.

Cover-More travel insurance FAQs

We want you to have a fantastic holiday. But if something goes wrong? Don’t worry – we’ll be here for you. Discover more about our cover and how we can help you on your next holiday now.

What does Cover-More travel insurance cover?

Like you, we know how exciting travel can be, but we also know every traveller is different and has different needs. You might be a backpacker on a tight budget or a senior spending the kids’ inheritance on a bucket list trip (go you!), which is why we cover lots of things.

Whoever you are, and however you like to travel, we offer cover for more than 80 fun-packed activities in all our base plans, from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding, and many more. We’ve also got optional cover for cruises, snow holidays, and motorcycling!

And, while we hope you’ll never need to ask, we’re also here to help if something goes wrong. You can contact us 24/7 for assistance, which means you’ll never be on your own if your plans go a little pear-shaped.

We also have cover for less exciting things like flight delays, losing a bag, dropping a laptop, and much more. Plus, cover for emergency medical and dental costs overseas and COVID-19 (yes, it’s still lurking around…), and other unforeseen expenses that crop up while you’re away.

Want to know more? Have a poke around in our Cover-More travel insurance benefits page to learn more about our cover. You can also find the full details on all the benefits and benefit amounts included in our travel insurance plans in the PDS.

Ready to choose the right plan for you? You can compare our plans now or get a quote.

How do I get a Cover-More travel insurance quote?

It’s easy and fast, promise. Just fill in the quote box at the top of our Cover-More homepage (or any page across the entire site – take your pick!) with all your trip details and hit the big orange ‘Get quote’ button.

You’ll then see the plan(s) we have that are suitable for your trip based on the details you’ve shared, plus have the chance to vary your policy with extra cover options and declare any existing medical conditions.

To make sure you get the best quote for you, use our travel insurance checklist to help you through the process.

It should be walk in the park, which is hopefully the vibe of your upcoming trip, too.

Does Cover-More have an app?

Of course we do – we're quite modern, you know – and it’s award-winning!

Our Cover-More app not only provides you with your policy in your pocket, but it also offers tips about your destination, can send you real-time safety alerts about incidents nearby as you’re travelling, and gives you tap-to-call access to our brilliant 24/7 emergency assistance team.

You can download it here. You’ll love it. (We do.)

Can I cancel my Cover-More travel insurance policy after I’ve bought it?

Absolutely! You are free to go... but do know we’ll miss you.

We offer a 21-day cooling-off period if you decide not to take us with you on your trip.

To be eligible to cancel your travel insurance policy during this period, you’ll need to still be at home (i.e. you haven’t started your trip yet) and not have made a claim or intend on making a claim.

If you want to find our more, take a peek inside the PDS.

Where can I find the Cover-More travel insurance PDS?

Great question! You can access the PDS here →

We like to think of the PDS as your travel insurance guru – it tells you everything you need to know, including what you’re covered for and what you’re not. Yes, it’s got all the information we could possibly tell you about your cover, so reading it means you ensure you’ve got the right cover for your trip before you’ve even let home.

Even though it sounds a bit dull (it is a bit), keeping it handy when you travel is also something to consider. But don’t worry – we make this easy for you. Once you’re a Cover-More customer, you’ll receive your policy details via email, but if you download our app, it’s super easy to access your policy detail and the PDS in there, too.

How can I contact Cover-More?

Whether it’s via our app, email, or phone, we'd love to hear from you.

If you’re already travelling and it’s an emergency, please contact our emergency assistance team on +61 2 8907 5619 from anywhere in the world. If you’ve got our app, open it and tap the assistance button at the bottom and follow the prompts to connect with us.

If you’re still in Australia and have a question about your Cover-More travel insurance policy, our cover, or anything that isn’t an emergency, our customer service team can help on 1300 72 88 22. If you’ve got a question about a claim, our claims team can chat to you on 1300 36 26 44. Both teams will be around to answer your call during these hours:

• Monday-Friday: 8am – 7pm AEDT
• Saturday: 9am – 4pm AEDT
• Sunday: 10am – 3pm AEDT

Does Cover-More travel insurance cover pre-existing medical conditions?

The answer is yes! We don't think a medical condition should stop you exploring the world, and neither should you.

We're rather proud of our travel insurance plans, even more so because we provide cover for many existing medical conditions in our base plans. (Our existing medical conditions cover page has lots of useful information about this – including the conditions you’ll need to meet for this cover to apply.)

Some medical conditions are a bit complex (and some travellers have more than one), which is why we have an online medical assessment that allows you to easily declare all your conditions so we can quickly tell you if we can provide you with cover.

Good to know: After you take the assessment, including cover in your policy for some conditions may mean you’re charged an extra premium, while some we can include in your policy for no additional cost. To find out, get a quote and take the assessment.

Want to learn more about our cover for medical conditions? We share all our helpful information on our existing medical conditions cover page.

How do I make a Cover-More travel insurance claim?

We’re sorry you've had a travel mishap, but the good news is this: we’ve made it super easy for you to make a travel insurance claim online using our online claims tool. It’s available 24/7, so you can submit your claim from anywhere, at any time. (Just make sure you lodge it within 60 days of arriving home!)

Our travel insurance claims page explains all the information you’ll need, including what documentation you’ll need to support your claim and when to let us know about any incident that leads to your claim. But, if you need us, we’re here to help on 1300 36 26 44.

How long do I have to lodge a Cover-More travel insurance claim?

Don’t keep it to yourself – if something goes wrong on your trip, let us know ASAP. All you need to do is fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.

Worried you might miss the 60-day deadline because you’re waiting for or missing documentation? Don’t stress – just contact our claims team on 1300 36 26 44 to let them know, and then submit the elements of your claim you do have while you’re waiting.

Got more questions? You’ll find everything you need to know about making a claim here.

How many children are allowed to travel on a Cover-More travel insurance policy?

Bring the whole gang – we don’t care! Actually, we do care – the more, the merrier.

The maximum number of accompanying children on our leisure and business policies is 10, they just have to be your own children or grandchildren and have the same itinerary as you.

Because we like to show you the ‘big print’, all the children must be:

• travelling with you
• financially dependent on you and
• not in full-time employment.

Does Cover-More travel insurance have an age limit?

What do they say, ‘You’re only as old as you feel!’? We think you’re never too old to explore the world. (Well, maybe at 100 you need to pop your feet up…)

We cover travellers up to 99 years old – right up until you get your letter from King Charles III. We value our senior travellers, and you can find out more about our travel insurance cover for seniors here.

Can I buy a Cover-More travel insurance policy if I’m already overseas?

Too busy jumping on your suitcase trying to get the zip closed to buy travel insurance? Don’t worry – you can still buy our Cover-More travel insurance once you’re on the road, but you’ll have to wait three days until your cover kicks into gear, so be good during that time!

The PDS is the font of truth and will explain all – check it out if you want to know more.

Can I edit my Cover-More travel insurance policy after I’ve bought it?

You betcha. You can make changes right up until the trip start date on your Certificate of Insurance, and you can amend details including traveller names, contact details, travel dates, your cover, and more’ (although there are a few details that are unable to be changed – sorry!).

Our Manage My Policy portal is your one-stop shop for making changes to your travel insurance policy. You’ll need to have your Certificate of Insurance and your mobile phone number handy to access it. Our FAQs will help if you need to know more.

Don’t want to change your policy details online? Not able to make the changes you want to online? Call our friendly team on 1300 72 88 22 – they can also help.

What company owns Cover-More travel insurance?

Are you sitting comfortably? Yes? Then we’ll begin…

Cover-More Group is the parent company of Cover-More travel insurance, and Cover-More Group is owned by Zurich Insurance.

Oh, and the underwriter for Cover-More Australia is Zurich Australian Insurance Limited.

Keeping up? Well, you did ask.

Why should I consider buying Cover-More travel insurance?

Ahem, shouldn’t you be asking why shouldn’t I consider buying Cover-More travel insurance?

We know we’re great at what we do, but here’s why you can feel good about travelling with us:

• We’ve taken care of more than 15 million travellers since 1986, providing them with quality travel insurance and help before, during, and after their trips
• We understand it’s important for you to feel safe and cared for while you travel so you can worry less, which is why we’re here for you 24/7
• We offer domestic, international, and inbound plans, so we can cover practically any trip and any traveller
• We provide cover for 80+ activities in our base plans so you can ditch the sun lounger to raise your heartbeat, safely
• You can access our global emergency assistance support no matter when or where you need our help. If you don’t believe us, ask Irene
• We’ve won (lots and lots of) awards
• We’re not afraid to talk about (OK, brag) about all the trips we’ve taken. We can’t stop travelling and we won’t stop travelling – it’s our passion.

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to June 2024.

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We've been providing travel insurance to Australians since 2009. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service. 

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What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way!

Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Product Disclosure Statement  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Product Disclosure Statements to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Victoria to hit the slopes, we’re with you.

Have questions?

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Coral beaches, lazy palms and vivid reefs under turquoise water. Few places in the world do tropical perfection quite like Fiji.

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When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With Australian travellers for over a decade

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Choice travel insurance buying guide.

Do you need travel insurance? How do you choose the right cover? What are you covered for?

CHOICE answers all the questions you need to know before leaving the country.

Download the CHOICE travel insurance buying guide [PDF 3.52MB] Download the CHOICE travel insurance cheat sheet [PDF 587KB] Who is CHOICE? Set up by consumers for consumers, CHOICE is the independent consumer advocate that provides Australians with information and advice, free from commercial bias. Visit choice.com.au .

Why travel insurance?

• Does travel insurance cover COVID-19?

How to get travel insurance

Before you buy, how to save money on travel insurance.

• How to read the product disclosure statement

What are you covered for?

• Credit card insurance

How to make a complaint

If you’re leaving Australia, travel insurance is just as essential as a passport.

Holidays don’t always go as planned.

If you’re leaving Australia, travel insurance is just as essential as a passport. Medical expenses are the number one reason to get insurance, but sometimes other things can go wrong, such as trip cancellations, delays, lost luggage or even the big stuff like natural disasters and pandemics. If you end up out of pocket because of these things, insurance can make up for that.

The Australian Government won’t pay your medical bills.

In an emergency, the Australian Government can only help so much. The Consular Services Charter describes what the government can and can’t do to help Australians overseas.

If you end up injured or sick while overseas, you’ll be footing the hospital bill and the cost of flying home. If you’re really unlucky, that could cost you or your family hundreds of thousands of dollars.

68% of travellers mistakenly believe the Australian Government would ensure they get medical treatment if they need it overseas, and 43% believe the government would pay their medical bills.

Some countries won’t let you in if you don’t have insurance. 

Singapore and the UAE require you to have travel insurance. Not to mention all 26 European countries in the Schengen Area if you’re applying for a visa to visit. Read the Smartraveller travel advice for information about your destination.

Reciprocal healthcare Australia has reciprocal healthcare agreements with several countries: Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, the Republic of Ireland, Slovenia, Sweden and the United Kingdom. If you have Medicare, you can get subsidised treatment for essential services only in these countries, which often leads people to ask whether they still need travel insurance. The answer is yes, for the following reasons. You’re usually only covered for urgent care that can’t wait until you get home. If you’re very ill, travel insurance can pay for a medical escort to bring you home to Australia. You still may have to pay fees for treatment and medication. For example, in New Zealand reciprocal health care doesn’t cover you for free or subsidised care by a general practitioner or ambulance. Travel insurance can cover you for cancellations, delays, stolen items and more.

Remember to take your Medicare card with you. You’ll need it, along with your passport, to prove you’re eligible for reciprocal health care. For more information, visit servicesaustralia.gov.au .

Marco* had breathing difficulties on his way home from Europe, causing his flight to be diverted to the UAE. Hospitals in the UAE won’t admit you unless you have insurance or can pay an upfront fee. Marco’s family had to pay thousands of dollars for his treatment. *To protect privacy we have changed names and some details

Do you need domestic travel insurance?

Most of us already have medical cover at home, be it Medicare or private health insurance or both. But there are still a few key reasons to consider domestic travel insurance.

• Cancellation: If you’ve spent a lot on your holiday, then it’s not too much extra to buy travel insurance in case of the unforeseen.
• Baggage cover: If you’re travelling with valuables, think about whether you want them covered for theft, loss or damage.
• Car hire excess: You can save money using travel insurance to cover your collision damage excess, rather than paying the car hire company’s extra charge.

Does international travel insurance cover COVID-19?

Many travel insurers now offer limited cover for COVID-19, but the available cover varies quite a lot.  Some policies only cover medical and repatriation costs if you get COVID-19 overseas, while other policies provide limited cover for cancellation costs in addition to medical and repatriation costs.

You should always check the details of your insurance coverage, particularly how it applies to COVID-19 and travel disruptions.

Over 90% of travellers will look for insurance that covers them for cancellation and medical expenses caused by COVID-19.

If you’re planning to go on a cruise, be extra careful. Some travel insurers may not offer COVID-19 cover for multi-night cruises or they may restrict the cover provided on cruises.

Also, don’t rely on the travel insurance on your credit card unless you check it closely – it may not cover claims related to COVID-19.

There are cooling-off periods for COVID-19 cancellation cover, so it’s best to buy your travel insurance at the same time as you book your trip. Some insurers may only cover cancellation if you test positive to COVID-19 and the policy was purchased more than 21 days before your scheduled departure date.

Make your travel plans COVID-safe

You need to be prepared for your travel plans to be interrupted at short notice. As travel insurance may not protect you from government border closures, general lockdowns or quarantine requirements in your destination country, the key is to book only with providers that allow you flexibility should things change.

• Check the rules for travelling to your destination. For example, are there any entry requirements? What are the vaccination requirements? And what type of travel insurance do you need?
• Read the terms and conditions of your airline, accommodation and travel tours before you book. Will they refund you if you can’t travel due to COVID-19? If they only offer a reschedule or a credit, will you be in a position to redeem the credit in future?
• You can book flexible tickets for flights but be aware you usually have to pay the difference between the prices for the tickets you bought and the new tickets. So changing your flight dates at short notice can be very expensive.
• If you book through a travel agent or booking site, what are their terms and conditions? Will they refund you or provide a credit? Are there cancellation fees?
• If you pay by credit or debit card (and you selected ‘credit’ when you paid), you may have access to credit card chargebacks if something goes wrong.
• Keep on top of the latest travel advice and requirements at smartraveller.gov.au . Travel restrictions can change at short notice.
• If you do have to cancel, your travel insurer will ask you to claim what you can back from travel providers first. Read the CHOICE advice on how to get your money back on travel cancellations and ask your travel insurer if you can get a refund or partial refund of your travel insurance premium.

You can buy travel insurance from a travel insurer, travel agent, insurance broker, credit card provider, or even from your health, home or car insurer.

You can buy travel insurance online (direct from the insurer’s website, from a comparison site or through an airline booking site), over the counter or over the phone.

Buy travel insurance as soon as you know your travel dates. That way you’re covered if your trip is cancelled before you even leave or if you’re unable to travel at all.

You can certainly buy travel insurance quicker than it will take you to read this guide, but do you know what you’ll be covered for? Will you be covered if you trip over after having a drink? If you crash your scooter in Thailand? If you lose your wallet during a stopover? If you need to isolate because you contract COVID-19?

There are a lot of ‘what ifs’ to consider, depending on where you’re going and what you’ll be doing, so it’s worth reading the product disclosure statement (PDS) first to make sure you’ll be covered.

Will you use it? Hopefully not, but research by Smartraveller found that one in 4 Australian travellers experienced an insurable event on their last overseas trip. Most common insurable events Flight or tour cancelled Flight delayed more than 12 hours Received medical treatment Lost, damaged or stolen luggage Missed a connecting flight Lost, damaged or stolen cash or personal items Forced to cancel trip before departure What if the insurers don’t pay out? Australian travellers lodged almost 300,000 insurance claims in 2018–19, the last financial year before COVID-19 travel bans. Almost 90% of those were paid out. Top four reasons for declined claims Due to policy exclusions, or not included in the policy conditions Claim amount was below the excess Claim was due to a pre-existing medical condition Claim was for an item that was stolen while it was unattended

1. Where are you going?

The level of cover and the cost of travel insurance can vary depending on the region you’re travelling to, and some risks may be of greater concern than others. Not all travel insurance policies cover COVID-19 and other pandemics or epidemics such as SARS. And not all policies cover you for changing your plans due to a riot or civil commotion, for example. Travel insurance also may not be available for countries with travel alerts.

• Look up your destination on smartraveller.gov.au and make sure you’re aware of any risks or safety advice.
• Buy a policy that covers you for every country you’re travelling to or transiting through. If you’re going to Europe via a one-night stopover in the US, then get cover for the US and Europe. Usually a worldwide policy will cover this.

86% of travellers say they’re more cautious after the COVID-19 pandemic about travelling to places where it could prove harder to return home in a crisis.

You need different cover for different regions

Insurers sometimes apply policies to regions rather than having a policy for each destination.

Asia Pacific: Destinations such as New Zealand, Bali, Fiji and Papua New Guinea.

Asia: Destinations such as India, Indonesia, Thailand, Singapore and Malaysia.

Europe: Destinations such as the United Kingdom, Ireland and Western Europe.

Worldwide: All of the above as well as regions such as North America, South America, Japan and Africa.

These definitions differ for each insurer. For example, several insurers cover travel to Bali under their Pacific policy, while some will only cover travel to Bali under their Asian region policy.

2. How long are you going for?

Just a quick trip? Simply buy a standalone travel insurance policy for a set number of days.

Travel often? Consider an annual multi-trip policy or a credit card with complimentary travel insurance, but make sure it gives you the cover you need.

Tip: Annual multi-trip policies and credit card policies can restrict the length of each trip you take – anywhere from 15 to 365 days depending on your policy. Some allow you to pay for extra days.

3. What are you going to do there?

Cruising the open road on a moped? Carving up the ski slopes? Partying at a wedding? These things aren’t necessarily included in a travel insurance policy.

Scan the insurer’s list of included activities and those that you’ll have to pay extra for. And take it easy on the grog – if your alcohol or drug intake is the cause of an adverse event, it won’t be covered by your policy.

4. Are you taking any valuable items?

Do you need cover for a digital SLR camera or an expensive tablet or laptop? Cover for such valuables can vary from a few hundred dollars to thousands, and higher cover will often mean a higher premium.

Consider adding cover for portable valuables to your home insurance policy instead, but check on the excess and if the policy will cover you worldwide and not just in Australia.

Policies also vary when it comes to how they cover valuable items. Valuables in your check-in luggage often aren’t covered, while cover for baggage stored in your hire car is inconsistent. And baggage left unattended is never covered, which can include a bag that is stolen from the seat beside you in a restaurant while you’re looking the other way.

Make sure you have receipts for your valuables as travel insurance will not pay if you can’t prove you own them.

5.   Do you have any medical conditions?

If you have a medical condition that existed before you bought your policy, it may not be covered. This can range from something as common as allergies or asthma through to diabetes, heart conditions and knee replacements.

If you’re not sure, the best thing to do is contact the insurer to ask whether they’ll cover your condition automatically or whether you need to do an assessment.

The Massoud family* was holidaying in Singapore when 13-year-old Nazreen had a recurrence of severe bronchitis, which had affected her in Australia before their trip. The family’s travel insurer refused to pay any hospital bills as Nazreen’s bronchitis was a pre-existing medical condition. As a result, the Massouds had to ask their friends to transfer the $17,000 they needed to cover Nazreen’s hospital expenses, additional accommodation and the cost of changing flights. *To protect privacy we have changed names and some details

It’s important to compare policies for cost and cover. Some travel insurance premiums increased by as much as 30% between March and June 2022.

Three-quarters (77%) of travellers are willing to pay more for insurance that covers pandemic-related claims.

The further out from your departure date that you buy travel insurance, the more you’re likely to pay for it, but you’ll be covered from the moment you buy your policy. For example, if you buy insurance 2 months before you fly, you effectively have cheap cover for any events that affect your travel plans in those 2 months.

If you pay for your trip in full 6 months in advance, but you only buy an insurance policy 2 weeks before you depart, you may not be covered for any cancellation costs if you contract COVID-19.

Left it until the last minute, or even later? Only a few insurers let you buy insurance once you’re already overseas (look for the ‘Have you already left Australia?’ checkbox when viewing policy options).

While not all policies offer online discounts, plenty do. Make sure you understand the policy and what it covers. Sometimes (but not always) a reduced price may mean reduced cover.

Tip: Check asic.gov.au/afslicensing to find out whether the agent has an Australian financial services (AFS) licence or is an authorised representative of a licence holder. Take the usual precautions when giving your credit card and other details over the internet.

Member discounts

Does your health, car or home insurance provider also sell travel insurance? Some companies give 10–15% discounts to existing members.

Shop around

Trying to negotiate with a website will probably get you nowhere, but if you’re buying over the phone or through a travel agent, give it a go. Travel agents pocket a commission when they sell you insurance, so if you find a better deal elsewhere, ask them if they can beat it.

Almost two-thirds (62%) of overseas travellers who buy insurance do so on or before the day of booking travel.

Use your credit card

Some credit cards come with ‘free’ travel insurance when you use them to buy a ticket, pay for other travel expenses or otherwise activate it (we say ‘free’ because you’ll pay a premium in fees for the card itself).

This type of insurance can sometimes be a money-saver, and the level of cover can be just as good or even better than standard insurance, but make sure it gives you the cover you need.

Compromise on cover

While good medical cover is always essential, you could save money on your premium by choosing a policy with lower or variable cover for cancellation, delays and lost baggage, especially if you aren’t spending big on your holiday or taking expensive items with you.

Have you read the Product Disclosure Statement (PDS)? According to research conducted in 2022, of those who bought travel insurance: 45% have skim-read the PDS 43% have read the PDS in detail 8% have left the PDS to another person on the policy to read 2% have not and will not read the PDS 2% don’t know

About that fine print

You’re about to click ‘buy’, so you may as well just tick this ‘I acknowledge I’ve read the product disclosure statement’ checkbox and bon voyage…

But wait – have you checked the fine print? In the insurance world, that ‘fine print’ is contained in the product disclosure statement, or PDS (that thing you said you’d read).

How to read the PDS

There are hundreds of policies out there and if you tried to read all the paperwork that comes with each policy, you’d have to extend your holiday just to recover.

If you don’t have time to read the whole PDS cover to cover, at least look for the following.

• The table of benefits is an overall summary of your cover.
• The policy cover section is essential reading and is generally split into ‘what we will pay for’ and ‘what we won’t pay for’.
• General exclusions are also essential reading – these are events that aren’t covered by any section of the policy.
• Pre-existing conditions can remind you of forgotten ailments and are essential reading for anyone with any kind of medical condition, no matter how mild.
• The word definition table might contain a few surprises – it’s a good place to check on the definition of a ‘relative’ or a ‘moped’, for example.
• The claims section lists some further pointers to be aware of (e.g. it’s a good idea not to admit fault or liability in the case of an accident) and the paperwork you may need to collect while you’re away if you need to make a claim, such as police reports.
• COVID-19 cover section – many policies have a special section listing medical, cancellation and other cover available for COVID-19.
• The 24-hour emergency assistance contact number (write it down and keep it handy).

The Weaver* family was relieved to have travel insurance when they needed to cancel their holiday. The family wanted to go skiing in New Zealand, but a few days before they were due to depart, 12-year-old Ruby had cold symptoms. A COVID-19 test showed she was positive. Ruby and her whole family had to isolate and their travel insurance paid their cancellation costs. *This is a fictitious but realistic example

The list of travel insurance disputes taken to the Australian Financial Complaints Authority (AFCA) reveals a battlefield of unread or misinterpreted terms and conditions. Between 1 July 2020 and 30 June 2021, AFCA received more than 2,000 travel insurance complaints related to COVID-19.

Not all travel insurance policies are the same, and the wrong policy can be almost as bad as none at all.

Peter* and his business partner had booked a business trip to South Korea and Japan from 21 February 2020 to 2 March 2020. On 20 February, Peter cancelled the trip on advice of his GP who said that due to the uncertainty of the extent of the COVID-19 outbreak, he should postpone the trip until it is safe to travel. Peter’s travel insurer denied his claim, saying the policy does not provide cover for cancellation due to medical advice. Peter made a complaint and AFCA ruled in his favour as COVID-19 had been publicly announced as an epidemic prior to Peter cancelling the trip and the doctor’s advice not to travel was prudent and reasonable. *To protect privacy we have changed names and some details

Checklist – Are you covered for COVID-19? Are your medical costs covered if you contract COVID-19? Are your extra expenses such as accommodation covered if you can’t travel or your stay gets extended because you or your travelling companion tests positive to COVID-19? What happens if you were going to stay with someone but they’ve contracted COVID-19? Or your accommodation or tour company gets closed down because of COVID-19? Are your additional expenses covered? If the Smartraveller alert level is raised to ‘Reconsider your need to travel’ or ‘Do not travel’ due to a COVID-19 outbreak at your destination after you took out travel insurance, are you covered if you cancel your trip? Are your cancellation costs covered if you can’t travel or can’t return on your booked flights because you or your travelling companion contracted COVID-19? Are you covered for cancellation costs if your business partner or a relative back home gets sick with COVID-19 and you need to return earlier than planned? If you’re planning to go on a cruise, be extra careful. Some travel insurers may not offer COVID-19 cover for multi-night cruises. Are you covered for claims caused by government travel bans, border closures, or mandatory quarantine or self-isolation requirements at your destination?

And what are the catches?

Cancellations, baggage and personal items, sports and activities.

This is the number one reason to buy international travel insurance. Look for the insurer’s benefits table, usually on the quotes screen online or near the front of their PDS, for a quick overview of what they’re offering. Most policies have an ‘unlimited’ sum insured.

Pre-existing conditions

Some insurers don’t cover pre-existing conditions at all. Some will only cover pre-existing conditions with an extra fee and sometimes a medical assessment. Some automatically cover pre-existing conditions listed in their PDS, although few will cover mental illnesses such as depression or anxiety.

Insurers exclude cover for certain pre-existing medical conditions and generally don’t provide cover for any illnesses or incidents that arise from these. This includes terminal illness or any illness that shortens your life expectancy as well as organ transplants.

Minor pre-existing medical conditions such as asthma, hypertension, diabetes, epilepsy, osteopenia and more are usually covered if:

the condition has been stable for more than 12 months

there is no planned surgery

you have not received treatment in the past 12 months.

Pre-existing condition spoiling your holiday plans? findaninsurer.com.au lists insurers that may provide cover for pre-existing conditions. Still having trouble finding cover? Enlist the help of an insurance broker.

Examples of conditions that usually need to be assessed before getting cover are coronary problems, lung disease, epilepsy, stroke or any surgeries in the last 2 years.

If in doubt, declare your condition to your insurer.

A disability shouldn’t prevent you from buying travel insurance, but it might make finding a good policy trickier and more expensive.

Is a disability a pre-existing condition?

It depends on the disability and the insurer. Many insurers will automatically cover travellers with limited mobility, cognitive impairments or vision/hearing impairments. But in some cases, this cover may come at an extra cost.

Check with the insurer, as some conditions will need to be assessed on a case-by-case basis.

Having trouble getting cover?

Under the Disability Discrimination Act, insurers must assess the actual risks, rather than make assumptions about disabilities. If you’re having trouble getting insurance, a letter from a medical professional might help, particularly if they can state that you’re not likely to need medical or hospital treatment while on your trip.

Cover for your equipment

If you’re travelling with a wheelchair, mobility aid or hearing aid, you’ll need to insure that as well. Check single item limits, which are usually between $750 and $1,000 per item. If you have a piece of medical equipment that exceeds this, you’ll need to specify it and insure it separately.

Many insurance policies exclude hearing aids, so check the fine print and take out extra insurance if necessary.

Cover for your carer

If you’re travelling with a carer, it’s a good idea to be on the same policy in case travel plans change for either of you – that way you’re both covered. If you have a paid carer, ask your insurer whether they’ll cover the cost of a replacement carer should yours be unable to travel.

Babymooning

If you’re travelling while pregnant, be sure to check the following.

• Are you covered for pregnancy complications? Some insurers don’t cover pregnancy at all.
• Up until which stage of pregnancy? Pregnancy complications are usually only covered up until a certain stage (often between 23 and 32 weeks, depending on the insurer).
• Childbirth: Not all insurers will cover childbirth. A premature birth in the US with intensive care and treatment could end up costing hundreds of thousands of dollars.
• IVF: Not all insurers will cover IVF pregnancies.
• Do you have to pay extra to be covered?
• Do you need medical approval to be covered?

Mental health

Many travel insurers won’t provide cover of any kind for hospitalisation, medication or missed travel caused by a mental health condition, whether that’s depression, anxiety or a psychotic episode.

Others will provide cover if you declare mental illness as a pre-existing condition and pay a higher premium. Check the PDS carefully; insurers may use different terms to describe the same mental health conditions, giving them wriggle room to deny a claim.

Insurers are highly unlikely to pay a mental health-related claim if they discover it was a pre-existing condition that you didn’t declare. The trouble is, an insurer might view a single visit to a therapist many years ago because of work stress, for example, as a pre-existing mental health condition.

Mental health and travel insurance have been a contentious issue for consumer rights groups including CHOICE – and it’s one that’s still evolving from a legal standpoint.

To find out if a travel insurance product includes mental health cover, check choice.com.au/travelinsurance , filtering for ‘mental illness related claims’. Then put the PDS under the microscope.

A woman in Victoria won a court case against her insurer after they declined her claim for the cancellation of an overseas trip due to depression. ‘We took out the travel insurance well in advance of the travel, and well before my depression. I was certainly under the impression that I was covered,’ she told CHOICE. ‘They just sent back a letter that said no.’ But her win (the Victorian Civil and Administrative Tribunal awarded her $4,292 for economic loss and a further $15,000 for non-economic loss) was an isolated ruling. It’s still being debated whether or not a general exclusion for mental health claims is legal.

Most policies have an age limit, ranging right up to the 100-year-old seasoned adventurer. There are quite a few catches for older travellers, though.

• Higher premiums: Insurers often charge older travellers more, and in some cases ‘older’ can be as young as 50. 
• Higher excess: Travellers as young as 60 but more commonly over 80 may be subject to a higher excess because of their age. The normal excess of around $100 to $200 is often increased to an excess of $2,000 to $3,000 for travellers 80 years and over for claims that relate to injury or illness.
• Restricted conditions: Subject to medical assessment’, ‘reduced medical cover limits’, ‘reduced travel time’, ‘policy to be purchased 6 months in advance’ – all of these conditions can apply to travellers over a certain age.

You’ll probably want to be covered if your travel plans are cancelled for any reason, but be aware that insurers will come up with plenty of excuses to avoid paying up.

• Terrorism: Most insurers cover medical expenses but very few cover cancellation expenses in the event of terrorism.
• Pandemic or epidemic: Commonly excluded.
• Military action: Commonly excluded.
• Natural disaster: Covered more often than not.
• Travel provider/agent insolvency: Commonly excluded.
• Cancellation due to travel provider’s fault: Insurers commonly exclude cover for delays or rescheduling caused by the transport provider.

John* and his partner’s scheduled train service was delayed, seriously diverted, then terminated, which meant they missed their flight home by several hours. Re-booking fees, emergency accommodation and related fees cost them between $1,000 and $1,500, but the insurer wouldn’t pay the claim as it wasn’t in the policy. *To protect privacy we have changed names and some details

‘Unforeseen’

When an insurer refers to cover for ‘unforeseen circumstances’, it means something that wasn’t publicised in the media or official government websites when you bought the policy. Check the Smartraveller travel advice when you buy your travel insurance. If it became known before you bought the policy, you’re not covered. So the earlier you buy travel insurance, the more likely you are to be covered for the unexpected.

Exclusions and inclusions

When the Australian Financial Complaints Authority (AFCA) looks at a complaint about an insurer, they expect you to prove the claim is covered by the policy, while the insurer must prove the claim is excluded by the policy. Specifically, AFCA expects you to ‘establish on the balance of probabilities that you suffered a loss caused by an event to which the policy responds’. That is, do you have a valid claim?

This means that you need to understand if your claim is covered under the listed events of the policy, or that it is not specifically excluded by the policy.

If, for example, you have cover for COVID-19, you aren’t covered for every event caused by the pandemic, but just by what is specifically stated in the PDS.

Margaret and Peter* booked a cruise departing from Darwin in March 2021. Shortly before departure, the Northern Territory Government issued a directive no longer allowing cruises to depart from the NT. Margaret and Peter’s cruise company arranged for the cruise to depart from Broome and flew the passengers to Broome for a cost of $300 per person. As Margaret had bought a policy that included some cover for COVID-19, she made a claim for $600. But this was denied by her travel insurer and her subsequent complaint to AFCA was unsuccessful. AFCA said, ‘The cause of the loss was a government directive to not permit the cruise to operate through the NT port. The insurer’s policy provides no cover for these circumstances. It also excludes losses arising from government intervention, prohibition or regulation.’ *To protect privacy we have changed names and some details

Travel insurance and Smartraveller advice Smartraveller, managed by the Department of Foreign Affairs and Trade (DFAT), assigns an overall advice level to more than 175 destinations. This advice level can affect your travel insurance cover. The advice levels are: Level 1  – Exercise normal safety precautions. COVERED. Level 2  – Exercise a high degree of caution. COVERED. Level 3  – Reconsider your need to travel. CHECK. Level 4  – Do not travel. USUALLY NOT COVERED. Travel warnings can work in your favour. If an insurer excludes cover for an event, they may still cover you to change your plans in response to updated advice from Smartraveller. But beware when travelling to a destination that has a ‘Do not travel’ warning. Most standard policies won’t cover you for ‘Do not travel’ destinations, including for COVID-19. A week after a volcanic eruption made world news, Sameer* booked a trip to Bali. He assumed the emergency would be over by the time he was due to fly a month later. Unfortunately, the volcano continued to erupt and Sameer’s flight was cancelled. His insurer declined his claim because he’d bought the flight and insurance after Smartraveller issued a travel alert about the volcanic eruption, and after it had been in the news. *To protect privacy we have changed names and some details

Delays can be expensive, particularly if you have to pay for alternative transport or accommodation. And those extra expenses won’t always be covered.

• Transport delay is only covered after a certain number of hours, usually 6, but you may have to wait as long as 12 hours before your cover kicks in.
• Cover limits for transport delays are typically lower than other cover limits and are often limited per 24-hour period.
• Insurers often exclude cover for rescheduling caused by the transport provider but some may cover additional accommodation and travel expenses in this scenario for travellers who are en route.

Baggage cover varies widely, with travel insurance policies ranging from $0 to $30,000. So, if you’re not carrying expensive items, you may be able to save on your premium by selecting a policy that provides lower coverage.

• Individual items are subject to sub-limits that range from around $250 to as much as $5,000.
• Higher item limits usually apply for electronic items like laptops, cameras, smartphones and tablets.
• You can pay extra to specify items you want extra cover for (insurers are always happy for you to pay extra).
• Valuables locked in a car or checked in on an airline, train or bus may not be covered.
• Generally, any items left unattended may be excluded from cover, so keep your belongings close.

Jing* sat down to try on a pair of shoes in a busy London shoe shop, placing her handbag next to her on the seat. When she stood up to leave, she discovered her bag was gone. Her insurer refused to pay up because she had left her bag unattended in a public place. *To protect privacy we have changed names and some details

Lost luggage

If an airline loses your luggage temporarily and doesn’t compensate you for that loss, you may be able to claim expenses for clothing, toiletries and other necessities, depending on your policy.

• Cover usually only applies to luggage lost for more than 12 hours, though the minimum time limit varies per insurer, as does the level of cover.
• If your policy has an excess (a fee that’s deductible from your payout), remember that this applies once per claimed event, and items below the excess level can’t be claimed.

Angelo and Diane* tried to claim $112 for meals and drinks when their connecting flight to Hawaii was delayed by 8 hours. Although their policy technically covered them for the cost, they were liable for an excess of $250, so their claim was denied. *To protect privacy we have changed names and some details

If you don’t feel like paying the ‘extra insurance’ the car hire company charges, then use the collision damage excess cover in your travel insurance.

Tip: Stick with recognised car rental companies in this case since this cover only applies if the car hire company already has its own comprehensive insurance.

Do you have the right licence?

Some countries require you to have an international driving permit. If you have an accident while driving on the wrong licence (or breaking that country’s law in any other way), you may not be covered.

Cruise-specific insurance

Cruises aren’t automatically included in all travel insurance policies. If you’re going on a cruise, make sure you have the right cover.

The Department of Health says: ‘Cruise ships carry a higher risk for spreading disease compared to other non-essential activities and transport modes. COVID-19, influenza and other infectious diseases such as gastroenteritis spread easily between people living and socialising in close quarters.’

Check travel insurance policies to make sure medical cover for COVID-19 is included, as some policies exclude this cover. Erica* stumbled and broke her femur during stormy seas while on a cruise. Her insurer covered the cost of evacuation and a partial hip replacement at a hospital in Noumea. They also organised and paid for her son to fly to Noumea to help her recover and return home to Australia. Five months later, the well-travelled 82-year-old was boarding a plane to Croatia for her next (fully insured) adventure. *To protect privacy we have changed names and some details

Not leaving Australian waters?

You still need insurance. Doctors working on cruise ships don’t need Medicare provider numbers, so if they treat you, you can’t claim on Medicare or your private health insurance, even if you’re still in Australian waters.

Domestic travel insurance doesn’t cover medical costs, so you need either international travel insurance (check that it covers domestic cruises) or a domestic cruise policy.

Kerry* thought she’d done the right thing buying an annual multi-trip international travel insurance policy for a number of upcoming holidays, one of which was a round-trip cruise departing from and returning to Fremantle, Western Australia, with no port stops. When she had to cancel due to ill health, she discovered her policy wouldn’t cover her because the trip wasn’t considered an international one. *To protect privacy we have changed names and some details

When CHOICE compares travel insurers, we look at who covers which sports and adventure activities, such as skiing, ballooning, bungee jumping and scuba diving, to name a few.

But as always with insurance, the PDS may include some surprises. For example, several insurers we’ve reviewed will cover canyoning but they won’t cover abseiling, often a necessity in canyoning. Other policies in our comparison will cover abseiling, but not into a canyon.

If you’re planning on doing anything adventurous, check to make sure you’re covered. It’s not enough to simply look for the tick next to your chosen activity – you also need to check the definitions in the PDS.

Motorcycles and mopeds

Hiring a motorcycle or moped? Depending on which country you’re in, you might need a local or international motorcycle licence. You probably won’t be covered if you aren’t obeying the local law. And even if you are doing the right thing under local law, some policies still won’t cover you unless you have a motorcycle licence.

Are you wearing a helmet? Most countries say you need one by law, but that doesn’t mean it will be included in your hire. No helmet means no cover (in more ways than one).

Nhung* was injured after she rented a moped in Thailand only to find out the engine size was not covered by her insurance policy. Most insurers adopt the national standard for the definition of a moped – an engine capacity under 50cc. If the engine is bigger than that, it’s a motorcycle and you’ll need an Australian motorcycle licence. *To protect privacy we have changed names and some details

Skiing and snowboarding

Some insurers cover skiing, often for an extra premium, but not so many cover skiing off-piste (away from the groomed runs). So, if you’re tempted to slide off the beaten path next time you hit the slopes, make sure you have a policy that covers off-piste ski runs (or pay for the optional extra cover).

Otherwise, if you run into a tree and have to be evacuated from the mountains, you may need to  think about selling your home to pay for it.

It’s worth remembering that travel insurance only covers overseas costs. So if you break a leg while you’re abroad, your insurer will likely pay your hospital fees, but they won’t cover your ongoing physiotherapy once you’re back home.

Marianna* fractured her leg in 3 places while skiing with her partner and children in Japan. Because the family had bought additional cover for winter sports, they were reimbursed $35,466 for medical expenses, additional transport and accommodation, the cost of a nanny to look after the children, and business class flights back to Australia. *To protect privacy we have changed names and some details

Alcohol and drugs

Overdoing it on vodka and float-tubing down a river isn’t likely to be covered by any policy. Insurers simply won’t pay for costs arising from you being under the influence of alcohol or drugs (except where taken under the advice of a doctor).

Even one or 2 drinks could be enough of an excuse for insurers to get out of paying.

Relatives can be relative Many policies cover the costs to travel home if one of your relatives dies or becomes sick. Bear in mind: an insurer’s definition of a ‘relative’ may differ from yours cover is usually dependent on the age of that relative, so the death of your 84-year-old grandma may not be covered your relatives are subject to the same pre-existing condition exclusions as you, so if your 84-year-old grandma died from a known heart condition, you may not be covered. you may be able to apply for your relative’s pre-existing condition to be assessed before you buy the policy. cover is limited to relatives that live in Australia, or in some cases New Zealand. So if your 84-year-old grandma is in China, you won’t be covered to fly there for her funeral. Amanda* and her husband had booked an overseas diving trip, but shortly before the trip Amanda’s mum passed away from pneumonia. They cancelled their trip and incurred cancellation costs and lost deposits of nearly $13,000. As the death of a parent was covered in their policy, Amanda made a claim. Their insurer denied the claim as Amanda’s mum lived in the United States and was undergoing treatment for lung cancer, so the insurer concluded that her death was caused by a pre-existing condition. *To protect privacy we have changed names and some details

So you’ve booked and paid for your holiday through a travel agent, but then the travel agent goes broke. You’ll get your money back, right? Not necessarily.

Only a few insurers will cover you for the insolvency of a travel provider, and that includes hotels, airlines and other transport companies that might go broke overnight (remember Ansett?). But there are a few ways to safeguard your hard-earned holiday.

• Check whether your insurer covers you for insolvency.
• Check whether your travel agent has insolvency insurance (this isn’t compulsory, so only some will have it).
• Pay with your credit card. Some banks allow a chargeback if you pay for something on your credit card and don’t end up actually getting it.

Tip: Don’t accept any dodgy contract terms that require you to give up your chargeback rights.

2 out of 3 travellers assume their travel insurance will cover insolvency, but in 2017 less than a third of insurers actually provided this cover.

Credit card travel insurance

Some credit cards come with complimentary travel insurance. They’ll cover you for all the usual things like medical emergencies, cancellation and protection for baggage and items. But they do differ from standalone policies, so it’s essential you check the fine print.

• Fees: You’ll pay a premium for these credit cards, usually between $100 and $450 per year.
• Excess: The excess on credit card policies tends to be fixed at a higher rate (usually around $250), whereas it’s more variable on standalone policies.
• Age limits: Some credit card policies have no age limit, which can be handy for older travellers.
• Regions: Credit card travel insurance is not based on location, which means you can travel from Europe to the US without having to worry if your policy covers both areas. Bear in mind though that some regions (such as countries under United Nations embargo) may be excluded, and sometimes with US underwriters, travel to Cuba is excluded.
• Baggage cover: Credit card insurance often offers higher coverage for baggage loss and damage.
• Trip duration: Credit card insurance policies vary in how many days of coverage they’ll give you per trip – anywhere from a few weeks to 365 days – so check your limit if you’re going on a long holiday.
• Pre-existing conditions: Chances are your credit card insurance won’t automatically cover your pre-existing condition. You’ll need to call your insurer and see if you need to pay an extra fee or premium.
• Domestic travel: Credit card insurance doesn’t apply to domestic travel, although some cards will reimburse expenses associated with domestic flight delays and missed connections to international flights.
• Making a claim: You may not be able to claim reimbursement unless you pay for purchases (such as emergency items after a baggage delay) with the same credit card.

27% of travellers who plan to buy travel insurance will get it through their credit card.

Is it activated?

Credit card insurance usually activates when you buy your air tickets (or sometimes other transport or accommodation expenses) using your card.

• Policies require a minimum spend to activate – usually around $500. So if you scored your tickets on sale for $499, you won’t be covered.
• If you want cover for your spouse or dependants, you must also buy their tickets on your card.
• Some policies only activate if you book a return ticket. A one-way flight, or even 2 one-way flights, will leave you uninsured.
• Some banks require you to notify them in order to get full coverage for each trip. While base coverage will still give you emergency medical treatment, you might not get coverage for property damage or luggage delays. Check whether you need to do anything to activate any extra features.
• Some cards will cover you if you use rewards points to buy your tickets. Others won’t.

Is it worth it?

If you already have a credit card and use it regularly, the free comprehensive travel insurance on your card can save you money. And if you’re a regular traveller without a credit card, it’s worth considering if you travel at least once a year or every second year internationally.

David* booked a trip to North America for himself and his family, including his 11-year-old daughter Petra. The trip was cancelled because Petra got pneumonia. Unfortunately, David only activated his credit card travel insurance about an hour before the family was scheduled to fly out of Australia. The travel insurer denied his claim for cancellation costs because he knew about his daughter’s illness when he activated the policy. *To protect privacy we have changed names and some details

Have you been knocked back on an insurance claim and want to dispute it?

Internal dispute resolution

Complain to the insurer first. They’ll usually keep you up to date about the progress of your complaint every 10 business days.

Once you’ve lodged your case and all the supporting information and documents, the insurer has 45 days to complete its internal dispute resolution process.

External dispute resolution

If you aren’t happy with the insurer’s decision, you can take your complaint to the Australian Financial Complaint Authority (AFCA). They’ll handle your case for free.

• The AFCA will mediate between you and the insurer to find a resolution.
• If mediation is unsuccessful, they may make a preliminary assessment or give a determination straight away on your dispute.
• A determination is legally binding on the insurer but not on you.
• There’s no appeal process with AFCA.
• For more information, visit afca.org.au .

Legal action

If you’re unhappy with the AFCA determination, you might want to consider taking legal action against the insurance company.

Keep your travel insurance details with you at all times while on your trip and share them with family or friends before you leave.

Related content

No matter who you are, where you're going and what you're doing, get travel insurance. Learn how to choose a policy that's right for you.

This page provides mature travellers with information to prepare for a hassle-free journey. Properly preparing before you travel will help you have a safe trip.

Browse our general advice pages on a range of travel topics, to learn what you need to know before you go.

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Did the CrowdStrike outage affect your holiday?

The global IT outage caused by CrowdStrike's glitch caused chaos at airports and ruined or delayed many people's travel plans.

We spoke to some of Australia's leading travel insurers to see what's covered and what's not. Read on to see what you may be able to claim for.

Why compare travel insurance with Finder?

We compare prices from more travel insurance brands than any other site in Australia

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You pay the same price as buying directly from the travel insurer

How do I compare travel insurance?

• Use the travel insurance quoting tool
• Tell us your trip details like destination, trip length and age
• Get a list of quotes from your favourite travel insurers - you can even get these results emailed to you
• Create a shortlist. Select up to 4 policies to compare benefits side by side

What does travel insurance cover?

Medical costs

Most travel insurance policies give you unlimited cover for medical expenses and 24/7 emergency medical assistance.

COVID-19 cover

You can get cover for COVID-related medical expenses now and up to $5,000 towards cancellation or rearrangement costs.

Flight cancellations

It can also pay to get you on an alternative flight. Plus, many will cover your accommodation costs if your trip is disrupted.

Lost luggage

You can get around $250 a day if your luggage is delayed by the airline. Many also cover stolen or accidentally damaged luggage.

See a full list of what travel insurance can cover

• Accidental death
• Overseas emergency dental expenses
• Hospital cash allowance
• Loss of income
• Overseas emergency assistance
• Overseas medical and hospital expenses
• Permanent disability
• Resumption of journey
• Alternative transport for special events
• Cancellation and amendment fees
• Travel delay expenses
• Daily delayed luggage allowance
• Luggage and personal belongings
• Theft of cash
• Travel documents and bank cards
• Personal liability
• Rental car excess insurance
• COVID-19 Medical Expenses
• Rearrangement costs if you get COVID-19

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Compare Finder's travel insurance award winners

Customer satisfaction winner

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Travel insurance - comprehensive winner

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

About why SCTI won

Value travel insurance winner

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

About why Fast Cover won

Domestic travel insurance winner

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

About why InsureandGo won

Seniors travel insurance winner

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Insurance innovation finalist

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Best travel insurance

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.

Some top tips from travel insurance experts

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

Travel insurance: 4 things you need to know

Travel insurance doesn't protect you from yourself

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.

Rules about renting motorcycles and scooters on your holiday

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.

You might need to pay more for activities such as skiing and motorcycling

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.

You won't always be covered for natural disasters and pandemics

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.

Find out more about the type of travel insurance you need

Travel insurance guides for our most popular destinations

Looking for inner peace? Get peace of mind with the right cover in Bali.

Don't chew gum in Singapore, don't go there without the right travel insurance either.

With some of the highest medical costs in the world, travel insurance is a no-brainer.

Italy? France? Greece? Get cover for them all with a Europe travel insurance policy.

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Why you can trust Finder's travel insurance experts

Frequently asked questions

What is travel insurance.

Travel insurance covers emergencies or accidents that might happen to you or your belongings while you're away from home. You pay a travel insurer a fee (known as a premium) that is calculated based on the risks associated with your trip. In exchange, your insurer will pay you for unexpected costs related to your trip such as the following:

• Medical expenses if you're sick or injured overseas.
• Reimbursing you if you need to cancel your trip or cut it short.
• Covering your valuables and travel documents if they get lost, stolen or damaged.

Can I get travel insurance that covers COVID-19?

Yes, many insurers offer some cover for COVID-19 . You'll normally be covered if you get diagnosed with coronavirus and can't go on your trip, but you won't be covered for events like border closures.

What's the best travel insurance in Australia?

The best travel insurance depends on your circumstances – for example, where and who you're travelling with. To help you find the right policy, we created a best travel insurance guide where we've selected top picks for COVID-19 cover, domestic trips, families, pre-existing conditions and adventure trips.

Is travel insurance worth it?

Something going wrong at home is bad, but if something goes wrong overseas it can be catastrophic. From medical costs to flight cancellations, travel insurance is basically always worth it . Smartraveller , which is maintained by the Department of Foreign Affairs and Trade (DFAT), says "if you can't afford travel insurance, you can't afford to travel". Taking out a policy is a small price to pay compared to the thousands you could lose if something unexpected happens.

How much does travel insurance cost?

Travel insurance costs have increased since the pandemic. However, it's possible to find a cheap policy for around $5 a day. Your age and travel destination will impact how much you pay.

Does travel insurance cover cancellations?

Yes. Travel insurance can cover you for flight cancellations if something unexpected happens and you're unable to go on your trip. It can also pay for additional accommodation costs and other pre-booked plans associated with disrupted or cancelled flights. However, read the product disclosure statement because some may only cover you for certain cancellations.

Are there age restrictions on travel insurance?

You can usually get travel insurance with most providers if you're a senior up to the age of 80 but you might not be eligible for annual or frequent traveller policies with some brands once you turn 65. If you have any pre-existing conditions, you may have to complete an online medical questionnaire and pay more for a policy.

Most policies will cover kids for free if they're travelling with a parent or guardian. You usually need to be under 23 to be eligible as a dependant, though this varies slightly between brands.

Can I just get complimentary credit card travel insurance?

Complimentary credit card travel insurance can offer similar cover to a standalone travel insurance policy but it often comes with lower caps on how much you can claim and many still do not cover COVID-19 .

You'll need to read the product disclosure statement (PDS) for the fine print regarding the excesses you will have to pay, the benefit limits, the maximum trip duration and which pre-existing medical conditions are automatically excluded.

If you find the few dollars you save isn't worth the risk of being out of pocket, consider taking out a standalone policy instead.

Will travel insurance cover me for my pre-existing medical condition?

It depends on your condition. Insurers will list what pre-existing conditions they automatically cover in the product disclosure statement.

If your condition isn't on the list, let your insurer know about your ailment and they will decide whether to cover you for claims related to that condition. You might have to pay more for a policy but you will still be able to get insurance.

What's a PDS?

A PDS (product disclosure statement) is a legally binding document that outlines what you're covered for. If something's not mentioned in a PDS then that insurer typically won't cover you for it. You'll also find a list of common exclusions, which are events you won't be insured for. Read more definitions of common travel insurance terms.

What's an excess?

An excess is the upfront fee you'll have to pay if you need to make a claim on your travel insurance policy. Depending on how risk-averse you are, you can opt for a higher excess , which will mean lower premiums (policy cost), but this might mean that smaller claims are not worth it.

Can I get flight only travel insurance?

Travel insurance to cover your flights only isn’t really a thing in Australia. A travel insurance policy will generally cover the cost of your flights and potential delays, while also covering a bunch of other things like medical expenses and your valuables.

Gary Ross Hunter

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

• Health, home, life, car, pet and travel insurance
• Managing the cost of living

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61 Responses

I filled out a request for a travel insurance quote and have not received it

Hi Peter, you’re best to follow up with the travel insurance company you requested the quote from. Hope this helps.

I need a hard copy of my health insurance going over seas

You should be able to print your policy. You should have a copy on your email or you can access it from online banking. If you’re having any issues, perhaps contact your health insurer for some assistance.

Hope this helps!

Greetings I am taking a 19 day tour of Vietnam and Cambodia. During the tour I will be on a boat for one night in Halong Bay. InsureandGo advised that I need to take out a cruise premium because of the one night on a vessel. The cruise premium is double the price of its Gold premium. Is there a company that would be a better option for me?

Most insurers charge a higher premium for cruise cover, as they are pricing it based on risk. Insurers are aware that there’s a higher chance of claims related to cruising, such as illness, slips and fall injuries and cancellation fees, which can increase the premium paid.

Unfortunately you have to select cruise coverage for the entire trip, so you have a few options: – Pay the higher price and get the peace of mind of full coverage. – Pay for coverage without cruise cover, and take the risk of travelling knowing you have no insurance if something goes wrong on that one day. – Enquire about taking out 2 policies: one standard policy for the entire trip without cruise cover, and another 2-day policy to cover your cruise.

Some of the things cruise travel insurance may cover includes: Pre Paid Shore Excursions Cancellation Missed Cruise Departure Cabin Confinement/Loss of Enjoyment Missed Port Cover Formal Attire Cover Formal Attire Delay Allowance Unlimited medical cover and emergency assistance (on-board and while docked) Weather delays or natural disasters. COVID cover

Hello, I am finding it difficult to obtain the necessary information on-line. I am booked on a cruise from Amsterdam to Budapest with several stopovers and a train journey from Budapest to Prague. My flight is with a stop-over in Doha enroute to Amsterdam with a stop there of several nights. My return flight is from Prague again with a stopover in Doha. My holiday is from 24th September until 16th October, 2024. Are you able to provide me with your cheapest quote including Covid cover. Thank you for your time. Kind regards Judi Boxall

We’re a review and comparison site, so we don’t have any products or provider quotes ourselves and we’re unable to provide personal customer service.

However, if you pop your destinations (Amsterdam, Budapest, Prague, Doha) in the table above and add your age and travel dates, you’ll get a number of quotes and options for your travel insurance.

When the quotes are listed, you can add covid cover as an optional extra on the left hand side.

I am travelling overseas later this year and have activated my credit card insurance. However the policy does not cover me if I need to cancel/postpone my trip due to COVID 19. Is there a stand alone policy I can purchase to cover cancellation / postponed trip due to COVID before I leave? Many thanks

Hi Kaylene,

Yes you can check some options for covid cover when travelling here: https://www.finder.com.au/travel-insurance/covid-cover

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RACQ Travel Insurance

Members save 15% on travel insurance

Get your quote

Enjoy happy holidays with RACQ Travel Insurance

Enjoy the freedom of trekking around New Zealand, witness the beauty of Japan's cherry blossoms or cruise the South Pacific. Finally go on that epic outback adventure or visit family or friends overseas. RACQ Travel Insurance can help protect from the unexpected when you’re away from home. See more of the world knowing that you’re covered with RACQ.

• Our members can enjoy 15% discount on policies
• We’re chosen by over 70,000 travellers each year*
• We’re available to help 24/7, wherever you are in the world
• We offer a choice of excess from $0 to $1,000 depending on your plan type
• We provide coverage for the important things like lost, stolen, or damaged luggage, smartphone, tablets, and computers^^

Be prepared for the unexpected with RACQ Travel Insurance.

International travel insurance

• Feel prepared when you adventure overseas

Unlimited** overseas medical and hospital cover Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

Domestic travel insurance

• Experience uninterrupted enjoyment Australia-wide

Lodge your claim or request the answers you need online.

Choose from a range of excess options and add optional extras to your travel insurance.

RACQ Travel Insurance won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.

Manage your insurance

Get more out of your next trip with racq member perks ~ ~, explore more with racq.

Travel insurance FAQs

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

*Figure based on 70,435 passengers on new policies issued in FY23.

^^Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs)  before determining whether this product is suitable for your circumstances. 

** ‘$Unlimited’ means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' for full details. 

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS)  and the Target Market Determinations (TMDs)  that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found  here .

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents  for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.  

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03 8598 9411

Scottwinton Insurance Broker Melbourne for Commercial Clients & Individuals

With a wealth of Insurance experience across a diverse range of industries, committed to cost effective insurance.

Travel Insurance

We have partnered with chubb to provide our clients with easy access to market leading travel insurance at competitive premiums., we have made the process easy for you. find out more and get a quote..

Please note that if you click to get a quote, you will leave this website and enter a site operated by Chubb Insurance Australia Ltd. Any reference to “us”, “we” and “our” in the below is a reference to Chubb Insurance Australia Ltd.

Quality Travel cover at an Affordable price

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to Australian travellers. We have plan options for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, Fair and Efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome, and can help to deliver an improved result.

Access to a global team of Travel experts

Purchasing travel insurance from Chubb means access to a truly global network. In addition to our wealth of local expertise, Chubb’s operation in Australia is backed by our extensive global travel network and breadth of resources to serve your every need.

24 Hours Emergecy Assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance, our 24-hour emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

The links provided to obtain a travel insurance quote are not a recommendation or opinion by Scott Winton Insurance Brokers about the suitability of the travel insurance policies offered by Chubb Insurance Australia Ltd for consumers.  This site simply provides a brief summary and links consumers to the website of Chubb Insurance Australia Ltd to enable consumers to obtain a quote and access the relevant Product Disclosure Statement for the travel insurance policies offered to make their own decisions.  Terms, conditions, exclusions, limits and sub-limits may apply (as set out in the relevant Product Disclosure Statement in full detail), and consumers will need to ensure that the travel insurance policies meet their needs before proceeding to take out any policies.  Where travel insurance policies are taken out by consumers, Scott Winton Insurance Brokers is not involved in the provision of the policies by Chubb Insurance Australia Ltd, nor will it assist consumers with making any claims under the policies.

Please note that not all travel insurance policies provided by Chubb Insurance Australia Ltd are available through this site due to commercial arrangements.

More Travel, Less Worry.

Take 2 minutues to fill in our confidential online review request form

Insurances you should consider with Travel Insurance

Directors & office insurance, cyber protection insurance, corporate travel insurance, construction insurance, commercial & industrial insurance.

Travel Insurance with Worldcare

Compare our travel insurance plans

Overseas Emergency Assistance

Worldcare is part of the Allianz Group. We have access to a global network of medical experts to assist you if things go awry when you are away from home.

Overseas Medical & Hospital Cover

Our Comprehensive travel insurance is designed to cover you when you're injured, sick or need urgent medical treatment when travelling overseas*.

Optional Cover Extras

For an additional cost, you may be eligible to include cover for additional activities, increase the limits that apply to valuables or vary the base excess on your Comprehensive, Multi-trip or Domestic policy.

24/7 Emergency Call Centre

If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available.

The war in Israel may affect your policy coverage for travel to Israel and neighbouring countries. Check  Smartraveller  and  Allianz Partners  for travel alerts or advisories for your intended destination.  

What is travel insurance and how does it work.

Travel Insurance is a way of insuring yourself against those unexpected mishaps that can pop up on holiday and cost you money. If something goes awry on your trip,  you can make a claim  and if it’s covered by your policy, you may be entitled to be reimbursed for all or part of the cost (subject to any excesses that may apply).

What does Worldcare offer?

PLEASE NOTE: The below is a summary only. *Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

International Travel

Designed to cover overseas medical assistance, personal liability, travel delays, lost or stolen luggage, and more*. Choose the level of cancellation cover and purchase optional packs for activities you have planned for your trip*.

• Domestic Travel Insurance

While travelling throughout Australia, Domestic Travel Insurance is designed to cover for cancellation, travel delays, lost or stolen luggage, rental vehicle excess, and much more *.

• Cruise Travel Insurance

For an additional premium add our Cruise Pack for sea or ocean cruising overseas and in Australian waters to our Comprehensive, Multi-Trip or Domestic policies. Designed to cover medical costs on board, ship to shore evacuation, lost or damaged formal attire plus more*.

Snow & Ski Trip Insurance

For an additional premium, you can add our Snow Pack to Comprehensive, Multi-Trip or Domestic policies. Designed to provide cover for you to participate in a range of snow sport activities, your equipment, piste closure, emergency rescue and more*.

• Travel Insurance for Seniors

Worldcare offers different travel insurance options designed to cover travellers over the age of 75*. This includes our Comprehensive Travel Insurance and Domestic Travel Insurance.

Pre-existing Medical Conditions

We cover a large number of pre-existing medical conditions. Simply complete our medical assessment in order to apply for cover for your pre-existing medical condition*. Additional premiums may apply.

Why choose Worldcare Travel Insurance?

A name you can trust.

We’ve been helping Aussie travellers for more than 35 years, and our policies are underwritten by Allianz Australia Insurance Limited.

Flexibility, choice, and great value

Our Comprehensive, Multi-Trip and Domestic plans allow you to choose the level of cancellation cover you need as well as the option to increase the cover on valuable items you may wish to take with you.*  We also provide the option to vary the excess you pay if anything goes wrong when travelling.

We are Global

Through our global support network, we have medical experts ready to help when the need arises.

Let us take Worldcare of you

At Worldcare we arrange your insurance, answer any questions you have, provide emergency medical assistance, and help with your claim.

Frequently Asked Questions

What is travel insurance designed to cover.

When travelling overseas, travel insurance can be especially important. Our Comprehensive and Multi-Trip policies are designed to provide cover for:*

• overseas emergency medical bills
• emergency assistance
• cancellations or delays to your trip outside of your control
• stolen or lost luggage
• many other unfortunate situations

*The above is a summary only.  Please refer to the Product Disclosure Statement for full terms, conditions, exclusions, limits and applicable sub-limits.

Do I need travel insurance for trips within Australia?

Lost or stolen luggage, cancellations and delays or an accident in your hire car could all leave you out of pocket and these are just some of the things Worldcare Domestic travel insurance is designed to cover*.

Read more about  Domestic Travel Insurance .

*Terms, conditions, exclusions, limits and applicable sub-limits apply.  Please refer to the Product Disclosure Statement for full details.

How much does travel insurance cost?

The cost of your policy is called a 'premium'. You will be advised of the premium that is payable for your policy when you apply. This will also be shown on your Certificate of Insurance. The premium amount will depend on a number of factors and is calculated based on:

• your risk profile - we work this out using a number of factors such as your travel destination(s), the length of your journey, the amount and type of cover you require, the number of people insured under the policy and their ages, the time between the date you purchase your policy and the start date of your journey, the pre-existing medical condition(s) of the people insured under the policy and the likelihood of a claim being made on your policy.
• any discounts that may apply
• any government charges we pay, such as Stamp Duty and GST
• any other charges we tell you about
• the excess you choose

It’s a good idea to compare travel insurance quotes to ensure you are getting coverage that suits your needs.

How long does travel insurance last?

That’s up to you. When buying a policy for a single trip you’ll be asked the start and end date of your journey.

You can also purchase annual travel insurance known as a Multi-Trip policy. This is designed to cover multiple journeys during a 12 month period, up to your nominated maximum journey period of 15, 30 or 45 days.

Read more about  Multi-Trip Insurance .

What are travel insurance exclusions?

Travel insurance exclusions are circumstances, activities, items or equipment that an insurer will not provide cover for. That means you are responsible for any costs incurred due to an excluded incident or related to an excluded item.

Exclusions are listed in the  Product Disclosure Statement of a travel insurance policy.

What is travel insurance excess?

Travel insurance excess is the amount which will be deducted from any claim paid to you under the sections of your policy to which an excess applies. Some policies allow for a base excess to be increased (which lowers the premium you have to pay) or decreased (which increases your upfront premium).

You will be advised which options are available to you at the time you purchase your policy. In some circumstances Worldcare may impose a medical excess for claims arising from certain medical conditions.

We will inform you in writing if any additional excess applies.

Snow and adventure packs have an excess of $500 per pack in addition to your chosen base excess, which can't be changed or removed.  This excess relates to Overseas Medical & Hospital Expenses or Cancellation claims arising from your participation in snow sport or adventure activities.

There may also be other benefits that have an excess that applies.

Please refer to the  Product Disclosure Statement  for full details.

What are Pre-Existing Medical Conditions?

A pre-existing medical condition is a condition, including a dental condition or mental illness, of which you were, or a reasonable person in your circumstances should have been, aware of at the time of issue of the Certificate of Insurance, and including certain conditions up to two years prior (see the  Product Disclosure Statement for full details).

Worldcare Travel Insurance includes some pre-existing medical conditions that we cover at no extra cost, subject to acceptance under the below assessment process. 

In order to get cover for your pre-existing medical conditions (including those which we cover without additional charge), when getting a quote, if you click ‘Yes’ to ‘Pre-existing medical condition?’ our online medical assessment tool will guide you through the assessment process. You should also check the definition of pre-existing medical condition in the  Product Disclosure Statement  to see if you have a pre-existing medical condition. If you are still unsure, please  contact us .

If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions limits and applicable sub-limits listed in the  Product Disclosure Statement .

What happens if I experience an emergency whilst overseas?

Call emergency services immediately if your condition is life threatening.

For emergency assistance, Allianz Global Assistance is only a telephone call away. Allianz Global Assistance is available 24 hours a day, 7 days a week.

If you are in Australia, simply dial 1800 010 075

For all other countries, dial +61 7 3305 7499.

Additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Please note that Allianz Global Assistance will not pay for any hospital or medical costs incurred in Australia.

Allianz Global Assistance is a supplier of travel insurance and medical assistance. The Allianz Global Assistance Australian headquarters is located in Brisbane City, Queensland.

The purpose-built Global Response Centre is an environment that operates 24 hours, 365 days a year, and is supported by sophisticated telecommunications and information technology systems.

What if I need to make a claim on my travel insurance policy?

You can submit a claim upon your return to Australia or while still on your trip. You can lodge a claim online 24 hours a day at  www.travelclaims.com.au .

If you have received medical treatment as an outpatient while overseas and the costs are less than $2,000, you would normally pay for the treatment, obtain a medical report from the treating doctor and keep all medical receipts and associated expenses to lodge your claim on your return home.

At any time, you can call the 24/7 Worldcare team for advice regarding this process.

If the treatment is likely to exceed $2,000, then you should contact us as soon as possible. Our team will support you through the process of lodging your claim while you are travelling.

The team will be able to speak with the medical facility to explain the requirements of the claim process in order to confirm cover. We may be able to authorise payment directly to the facility for you.

What if I need to cancel my policy or obtain a refund?

Please call us on  1800 440 806  (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at  [email protected]

If you cancel within 14 days of your Certificate of Insurance being issued, provided you have not started your journey and have not made a claim or do not intend to make a claim you will be refunded the full premium paid.

If you wish to cancel your policy more than 14 days after your Certificate of Insurance is issued, provided you have not started your journey and have not made a claim or do not intend to make a claim we will calculate a partial refund of the premium you paid.

Refer to the cooling-off period section of the  Product Disclosure Statement

Can I get a refund on my travel insurance premium if my travel plans have changed due to COVID-19?

If a COVID-19 border closure or mandatory quarantine period prevents you from travelling, or requires you to shorten your journey while travelling, you may be entitled to receive a partial or full premium refund.  Please refer to the  Product Disclosure Statement for more details.

Please note, eligibility criteria applies.

If you have any questions please call us on  1800 440 806  (Monday to Friday, 8am-7pm; Saturday, 8am-5pm AEST) or email us at  [email protected]

Am I covered if I or my travel companion contract COVID-19 or need to cancel, reschedule or shorten my trip due to COVID-19?

Worldcare Travel Insurance offers cover under selected benefits if, during your period of cover, you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and you have not travelled against the advice of an Australian government. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

PLEASE NOTE: there is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by an Australian government or a reliable mass media source.

You can always make a claim for consideration.  All claims for cancelling, shortening or rescheduling due to an epidemic or pandemic, such as COVID-19, will be assessed in accordance with the facts and circumstances of your claim and the terms, conditions, limits and exclusions of your policy.

If there is a travel alert, warning or ban in place, will I be covered if I decide to travel?

There is no cover under any benefit of this policy if your claim arises because you did not follow an advice or warning that a reasonable person would have been aware of:

• by the Australian government (when a reconsider your need to travel or do not travel alert is in place), which can be found on Smartraveller ; or
• which was published in a reliable mass media source.

Before purchasing travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).  Please note, this also applies even if the Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip! Subscribe to Smartraveller to receive travel alerts and advisory updates via email.

Refer to the General Exclusions in our  Product Disclosure Statement for a full list of exclusions.

Sales and General Enquiries

• 1800 008 614

Claims and Client Services

• 1300 726 087

Travel Insurance Products

• Comprehensive Travel Insurance
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• Travel Insurance Claim Process

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Travel Insurance For

• Adventure Travel Insurance
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Travel Insurance Products  

Quick links , travel insurance for .

Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (AGA) which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the  Product Disclosure Statement . The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html . AGA receives a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

© 2024 AWP Australia Pty Ltd ABN 52 097 227 177. All rights reserved.

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Comprehensive Travel Insurance

• What's covered
• Why choose us

Additional options

What is allianz comprehensive travel insurance.

If you’re looking for an international travel insurance quote, Comprehensive Travel Insurance is the highest level of cover offered by Allianz, with a wide range of policy benefits for single trip cover. You can choose between single, duo, and family plans with the option to cover dependants accompanying you for the entire trip. 1

See the Product Disclosure Statement (PDS) for all  terms, conditions, exclusions, limits and applicable sub-limits that may apply.

What our Comprehensive Travel Insurance offers

• Benefits we offer
• Optional extras
• Overseas Emergency Assistance 1,3 Allianz Global Assistance is available to help you with any overseas medical emergency. You can contact Allianz Global Assistance 24 hours a day, seven days a week.
• Overseas Medical & Hospital Expenses 1,3 If you’re injured or become sick while overseas, we’ll reimburse the reasonable medical or hospital expenses you incur until you return to Australia, provided the relevant injury or sickness is covered by your policy.
• Personal Liability 1,4 If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:
• The compensation (including legal costs) awarded against you
• Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs
• Funeral Expenses 3 If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition we have agreed in writing to cover, during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we'll pay under the Funeral Expenses benefit is the benefit limit for the plan you've selected.
• Accidental Death 1 If, during the period of cover for your journey:
• a) you’re injured and due to that injury you die within 12 months of it occurring; or
• b) something you’re travelling on or in disappears, sinks or crashes and your body isn’t found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate.

• Permanent Disability 1,3,4 If you’re injured during the period of cover for your journey, and
• a) due to that injury, you suffer permanent disability within 12 months of the injury occurring; and
• b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement;

we’ll pay the benefit limit payable under the Permanent Disability benefit to you.

• Cancellation 1 If during the period of cover, your journey is cancelled, rescheduled or shortened because of circumstances that weren’t expected or intended by you and are outside your control, we’ll reimburse you:
• The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
• For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

You can choose different levels of cancellation cover when you buy your policy.

• Additional Expenses 1 We’ll reimburse reasonable additional accommodation and travel expenses if you or your travel companion can’t continue your journey, need to return to Australia, or your journey is otherwise disrupted due to any of the events described under the Additional Expenses section in the PDS.
• Travel Delay Expenses 1 If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses.
• Alternative Transport Expenses 1,3 If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover – and that means you wouldn’t arrive on time to one of the events listed in the Alternative Transport Expenses section of the PDS which, before you left Australia, you’d planned to attend or utilise while you were overseas – we’ll pay your reasonable additional travel expenses to enable you to arrive on time.
• Luggage, Personal Effects & Valuables 1 Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the PDS for the exceptions to this cover.
• Luggage & Personal Effects Delay Expenses 1 If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.
• Travel Documents, Transaction Cards & Travellers Cheques 1,3 If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or traveller's cheques are lost, stolen or destroyed, we’ll reimburse you:
• the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or
• any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.
• Theft of Cash 1 If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the PDS. 
• Rental Vehicle Excess 1 If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 1 :
• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit). Note: This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
• Adventure Pack 1,4 This optional pack is designed to cover a range of more adventurous sports and activities not automatically covered in your policy. For a list of what sports and activities are covered, refer to the activities listed in the PDS. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
• Snow Pack 1,4,5,6 If you’re heading to the snow, this pack is designed to provide cover for you to take part in snow sport activities. Refer to the PDS for a definition of ‘Snow sport activities’ (Our Definitions) and full details of what the Snow Pack covers. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack. 
• Own Snow Sport Equipment cover if your snow sport equipment is stolen, accidently damaged, lost or delayed
• Snow Sport Equipment Hire
• Snow Sport Pack – to cover non-refundable unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes if you’re injured or become sick during your trip
• Piste Closure  
• Bad Weather and Avalanche
• Cruise Pack 1,5,6 This optional pack is designed to provide cover for you to take part in sea and ocean cruising.  Refer to the PDS for a definition of ‘Cruise or Cruising’ and full details of what the Cruise Pack covers.
• Medical cover while cruising
• Evacuation cover – Ship to Shore
• Cabin Confinement 
• Pre-paid Shore Excursion Cancellations 
• Formal Cruise Attire Lost or Damaged 
• Formal Attire Delayed 
• Marine Rescue Diversion
• Increased Items Limits cover 1,7 You can choose a higher item limit for the loss or theft of, or accidental damage to, your luggage and personal effects by buying Increased Items Limits cover, additional to the plan type you choose. You can view the standard items limits cover for luggage and personal effects in the PDS. If you're planning on taking higher value items with you, such as camera equipment, you may want to consider covering them for a higher value.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, pre-existing medical conditions.

You can apply to include cover under your policy for your pre-existing medical conditions at the time of buying your policy. You’ll need to complete our medical assessment which can be done online or by calling us on 13 1000 .

If you’re pregnant at the time of buying your policy, your pregnancy is considered to be a pre-existing medical condition. Make sure you read the Travel During Pregnancy section in the PDS. This section has important information about this product’s cover for pregnancy, and when you need to apply to cover a pre-existing medical condition.

Depending on your pre-existing medical condition(s), we may not be able to cover any medical or hospital expenses, or any other losses or expenses arising from, related to or associated with any injury, illness or sickness suffered by you. 

For an additional premium, you may be eligible to add one or more of the following optional covers to provide additional cover for certain activities. For full terms, conditions, limits and exclusions read the PDS.

Snow Pack and Adventure Pack are only available for those aged under 75 at the time of issue of your Certificate of Insurance.

Adventure Pack 4,6

• Cover for 19 more adventurous activities

Snow Pack 4,5,6

• Lost, accidentally damaged or stolen snow sport equipment
• Cover for piste closure
• Bad weather and avalanche cover

Cruise Pack 5,6

• Cancellation cover for pre-paid shore excursions

Increased item limits 1,7

Ready to get started, frequently asked questions.

Allianz Comprehensive Travel Insurance policies are designed to provide cover for overseas emergency hospital or medical expenses, overseas emergency medical assistance, lost or stolen luggage and travel documents, cancellation fees and lost deposits, among other benefits 1 .

You can buy cover for a single person, a couple or a whole family, depending on who you’ll be travelling with.

You may also be able to add optional extras like a Cruise Pack, Snow Pack or Adventure Pack for an additional premium 1 . The Product Disclosure Statement (PDS) contains more detailed information about what is and isn’t covered, and will help you determine if our Comprehensive Travel Insurance suits your needs.

Our Comprehensive Travel Insurance has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from or are related to an epidemic or pandemic.

However, you’re covered under selected benefits for trip cancellation or overseas medical emergencies if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19 2 ) during your period of cover.

Find out more about our COVID-19 benefits  and what we offer.

Allianz Basic Travel Insurance is designed to cover overseas emergency medical and hospital expenses, overseas emergency assistance and personal liability 1 .

Allianz Comprehensive Travel Insurance is designed to cover these benefits, plus cover your luggage and personal effects, expenses relating to cancellations and travel delays, and many other benefits as described in the PDS 1 .

The Table of Benefits in the  PDS  is a good place to see at a glance the difference between Basic Travel Insurance and Comprehensive Travel Insurance, and to assess which best suits your needs

Our Basic Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued. However, our Comprehensive Plan is available to travellers of all ages 1 .

You can also compare our travel insurance plans .

Allianz Comprehensive Travel Insurance offers more policy benefits and inclusions than Basic Travel Insurance .

Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. We have Australian based registered nurses and doctors available.

We are part of Allianz Group. Allianz Group is a global leader in assistance services and has led the industry for over 50 years.

As with any purchasing decision, you’ll need to take into account your specific objectives, financial situation, and needs.

If your trip will consist of snow activities, ocean cruising or adventure activities you may want to consider buying a Snow, Cruise or Adventure Pack. 1

For an additional premium, these packs are designed to cover additional activities that are not automatically included in our policies.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to buy the Snow Pack and the Adventure Pack. You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack or your participation in snow sport activities.

Our Snow Pack is designed to cover in certain circumstances, for loss or damage to your snow sport equipment and cost of re-hire as well as coverage for piste closure, bad weather and avalanche closure. 4,5

The Cruise Pack is designed to cover, subject to the terms of the policy, medical and hospital expenses if you’re injured or become sick on a cruise, ship to shore evacuation if required for emergency medical treatment, plus cover for cabin confinement, pre-paid shore excursion cancellation, marine rescue diversion, and formal attire that has been damaged, lost, stolen or delayed. 5

Allianz Comprehensive Travel Insurance automatically includes cover for a wide range of activities such as golf or snorkelling. You can also buy an Adventure Pack if you’re planning on participating in adventure activities such as motorbike riding 1 , moped riding 1 , abseiling, deep sea fishing or zip lining. For full lists of the automatically included activities and the adventure activities covered by the Adventure Pack, see the PDS . 4

Allianz Comprehensive Travel Insurance is available for senior citizens and travellers of all ages.

However, some of the additional packs available to buy have age restrictions. You must be aged under 75 years at the time the Certificate of Insurance is issued in order to buy the Snow Pack and the Adventure Pack.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS) .
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• You don’t have cover under this benefit while travelling in Australia.
• You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
• Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the PDS for full details.
• You only have cover for these benefits if the relevant pack has been bought.
• The maximum we’ll pay for all claims combined under the Luggage, Personal Effects & Valuables Benefit is the benefit limit shown in the Table of Benefits in the PDS for the plan you’ve selected, even if you’ve bought Increased Item Limits cover.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

^The 15% off Travel Insurance ‘FRENZY’ discount is available from 12:01 AM AEST 05/08/2024 until 11:59 PM AEST 16/08/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Call us on 08 8332 0281

SSAA General Insurance Brokers arrange all types of personal, business and group travel insurance with coverage obtained from Australia’s leading insurance companies.

Travel Insurance – Personal, Business and Groups

It’s time to cross travel insurance off your holiday to-do-list. Whether you’re headed for Bali’s beaches or plan on taking some time out here in Australia Insure4Travel travel insurance can help you solve travel troubles in an instant.

Medical issue overseas? Insure4Travel includes  Medical expenses, which covers overseas medical expenses following an accident or illness.

Luggage delayed? Baggage, documents and credit cards are covered for loss or damage to baggage, travel documents, traveller’s cheques, credit cards and money.

• Product Discosure Document
• Target Market Determination

General Advice Warning The information contained in this website is correct at the time of publishing. The website and the advice provided by insure4travel is of a general nature and does not take into account your objectives, financial situation or needs. 

If you are considering acquiring this travel insurance, you should obtain the Product Disclosure Statement (PDS) and our Target Market Determination relating to the product and consider this before making any decision.

insure4travel is brought to you by Chase Underwriting Pty Ltd (AFS License No. 454344), one of Australia’s leading insurance specialists. Chase is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Pty Ltd issues certificates under a binding authority granted by Lloyd’s

Chase Underwriting Pty Ltd and PSC Network Insurance Partners are both part of the PSC Insurance Group Attached is the Target Market Determination (TMD) and Product Disclosure Statement (PDS) that needs to be include

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Contact SSAA Insurance

Send us your details and questions and one of our insurance experts will get back to you ASAP.

• 08 8332 0281
• [email protected]
• Suite 1/ 212 Glen Osmond Road Fullarton, SA, 5063 Australia

The information provided by SSAA General Insurance Brokers Pty Ltd on this website is for general information purposes only, and it is not a substitute for professional advice. You should always consider the PDS/Policy wording before making a decision.

Coverage may differ based on specific clauses in individual policies. Refer to the FSG on our website or by requesting a copy for our services and remuneration details. 

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BREAKING THE LIMITS OF TRADITIONAL TRAVEL INSURANCE

Find the right plan for you.

• Popular Destinations
• Bali [Indonesia]
• New Zealand
• USA [United States]
• United Kingdom
• All of Europe
• All of Asia
• Abu Dhabi (UAE)
• Afghanistan
• Australia (Domestic)
• Australian Waters Cruising
• Antigua and Barbuda
• Bosnia and Herzegovina
• Brunei Darussalam
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos (Keeling) Islands
• Cook Islands
• Côte d'Ivoire (Ivory Coast)
• Czech Republic
• Dominican Rep.
• Dubai (UAE)
• El Salvador
• Equatorial Guinea
• Falkland Islands
• Faroe Islands
• French Guiana
• French Polynesia
• French Southern Territories
• Guinea-Bissau
• Hong Kong (HK)
• Liechtenstein
• Marshall Islands
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• Netherlands
• Netherlands Antilles
• New Caledonia
• Northern Mariana Islands
• Papua New Guinea
• Philippines
• Pitcairn Islands
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• Saint Lucia
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• The Dem Rep. of the Congo
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• U.A.E. (UAE)
• United Arab Emirates (UAE)
• United States
• Vatican City
• Virgin Islands, British
• Virgin Islands, U.S.
• Wallis and Futuna
• Western Sahara
• Great Britain [United Kingdom]
• Isle of Man [United Kingdom]
• Buenos Aires [Argentina]
• Salzburg [Austria]
• Vienna [Austria]
• Dhaka [Bangladesh]
• Brussels [Belgium]
• La Paz [Bolivia]
• Brasil [Brazil]
• Brasilia [Brazil]
• Rio de Janeiro [Brazil]
• Salvador [Brazil]
• Sao Paulo [Brazil]
• São Paulo [Brazil]
• Phnom Penh [Cambodia]
• Siem Reap [Cambodia]
• Alberta [Canada]
• British Columbia [Canada]
• Calgary [Canada]
• Manitoba [Canada]
• Montreal [Canada]
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• Ottawa [Canada]
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• Quebec [Canada]
• Saskatchewan [Canada]
• Toronto [Canada]
• Vancouver [Canada]
• Easter Island [Chile]
• Santiago [Chile]
• Beijing [China]
• Shanghai [China]
• Shenzhen [China]
• Tibet [China]
• Rarotonga [Cook Islands]
• San José [Costa Rica]
• Havana [Cuba]
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• London [United Kingdom]
• Manchester [United Kingdom]
• Malvinas [Falkland Islands]
• Nadi [Fiji]
• Helsinki [Finland]
• Lapland [Finland]
• Bordeaux [France]
• Isle of Pines [France]
• Loyalty Islands [France]
• Lyon [France]
• Marseille [France]
• Nice [France]
• Paris [France]
• Strasbourg [France]
• Bora Bora [French Polynesia]
• Tahiti [French Polynesia]
• Berlin [Germany]
• Cologne [Germany]
• Frankfurt [Germany]
• Hamburg [Germany]
• Munich [Germany]
• Nuremburg [Germany]
• Athens [Greece]
• Corfu [Greece]
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• Ionian Islands [Greece]
• Kos [Greece]
• Rhodes [Greece]
• Budapest [Hungary]
• Reykjavic [Iceland]
• Bangalore [India]
• Bombay [India]
• Delhi [India]
• Mumbai [India]
• New Delhi [India]
• Denpasar [Indonesia]
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• Venice [Italy]
• Ivory Coast [Italy]
• Kyoto [Japan]
• Osaka [Japan]
• Sapporo [Japan]
• Tokyo [Japan]
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• Seoul [South Korea]
• Laos [Lao People's Dem. Rep.]
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• Macau [Macao]
• KL [Malaysia]
• Kuala Lumpur [Malaysia]
• Penang [Malaysia]
• Cancun [Mexico]
• Mexico City [Mexico]
• Micronesia [Mexico]
• Marrakech [Morocco]
• Kathmandu [Nepal]
• Amsterdam [Netherlands]
• Holland [Netherlands]
• Rotterdam [Netherlands]
• The Hague [Netherlands]
• The Netherlands [Netherlands]
• Lifou [New Caledonia]
• Noumea [New Caledonia]
• Nouméa [New Caledonia]
• Auckland [New Zealand]
• Christchurch [New Zealand]
• NZ [New Zealand]
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• Wellington [New Zealand]
• Nothern Ireland [United Kingdom]
• Oslo [Norway]
• Islamabad [Pakistan]
• Panama City [Panama]
• PNG [Papua New Guinea]
• Port Moresby [Papua New Guinea]
• Lima [Peru]
• Machu Picchu [Peru]
• Cebu [Philippines]
• Manila [Philippines]
• Warsaw [Poland]
• Lisbon [Portugal]
• Doha [Qatar]
• Dublin [Ireland]
• Bucharest [Romania]
• Moscow [Russia]
• St Petersburg [Russia]
• Riyadh [Saudi Arabia]
• Scotland [United Kingdom]
• Edinburgh [United Kingdom]
• Glasglow [United Kingdom]
• Shetland Islands [United Kingdom]
• Belgrade [Serbia]
• Cape Town [South Africa]
• Johannesburg [South Africa]
• North Korea [Dem People's Rep. of Korea]
• Republic of Korea [South Korea]
• Barcelona [Spain]
• Canary Islands [Spain]
• Espana [Spain]
• Ibiza [Spain]
• Lanzarote [Spain]
• Madrid [Spain]
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• SriLanka [Sri Lanka]
• Stockholm [Sweden]
• Geneva [Switzerland]
• Zurich [Switzerland]
• Taipei [Taiwan]
• Bangkok [Thailand]
• Chiang Mai [Thailand]
• Koh Samui [Thailand]
• Pattaya [Thailand]
• Phuket [Thailand]
• Istanbul [Turkey]
• Alabama [United States]
• Alaska [United States]
• America [United States]
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• Disneyland [United States]
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• Honolulu [United States]
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• Las Vegas [United States]
• Los Angeles [United States]
• Louisiana [United States]
• Maine [United States]
• Maryland [United States]
• Massachusetts [United States]
• Miami [United States]
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• Nevada [United States]
• New Hampshire [United States]
• New Jersey [United States]
• New Mexico [United States]
• New York [United States]
• North Carolina [United States]
• North Dakota [United States]
• Ohio [United States]
• Oklahoma [United States]
• Oregon [United States]
• Pennsylvania [United States]
• Rhode Island [United States]
• San Francisco [United States]
• South Carolina [United States]
• South Dakota [United States]
• Tennessee [United States]
• Texas [United States]
• U.S. [United States]
• U.S.A [United States]
• US [United States]
• Utah [United States]
• Vermont [United States]
• Virginia [United States]
• Washington [United States]
• Washington D.C. [United States]
• West Virginia [United States]
• Wisconsin [United States]
• Wyoming [United States]
• Mystery Island [Vanuatu]
• Port Vila [Vanuatu]
• Port Villa [Vanuatu]
• Caracas [Venezuela]
• Hanoi [Vietnam]
• Ho Chi Minh City [Vietnam]
• Wales [United Kingdom]
• Cardiff [United Kingdom]

Covid Insurance covers trip cancellation due to a positive Coronavirus diagnosis.

Receive unlimited* emergency medical cover for up to 12 months.

In case of an emergency, Travel Protect is here to support you at any time, night or day.

Travel Protect Insurance will assist you with your claim, every step of the way.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement ( PDS ) and Target Market Determination ( TMD ) for further details.

^Premiums and savings are subject to changes in rating, underwriting and your individual circumstances. Cover and benefits may differ between insurance providers and therefore may not be completely comparable.

Our Travel Insurance Plans

Travel protect travel insurance works quietly in the background while you enjoy your holidays to the full.

• Unlimited* Medical
• Up to $4,000 in Cancellation and Trip Interruption
• No Benefit for Lost Baggage
• Up to $40,000 optional cover for Cancellation and Trip Interruption
• Up to $10,000 optional cover for lost or stolen luggage
• Rental vehicle insurance excess
• Optional cover for Cruise, Ski or Motorcycle

Frequently Asked Questions

Browse answers to the most common questions we get asked about travel insurance, when is the best time to get travel insurance, what are insurance benefits, do you have policies that cover groups, what trip types are covered by travel insurance, are there any age limits for travel insurance, do any exclusions apply to my plan, can i upgrade or downgrade my policy, what is a pre-existing condition.

• a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware;
• a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor);
• any condition for which you have been prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication;
• any condition for which you’ve had surgery; or
• any condition for which you have seen a medical specialist.

• Travel Insurance

Boomers Travel Insurance

Travelling soon and need cover?

If you’re booking a holiday, we have travel insurance options you can choose from. Boomers Travel Insurance offers coverage for travel delay expenses*, lost or damaged luggage* or unexpected cancellations*. We’ve partnered with emergency medical assistance provider, Allianz Global Assistance, to ensure you have support and care.

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details.

Aged over 74 years?

Our Comprehensive and Domestic Plans do not have capped age limits. This means that they may be suitable to customers of all ages, including seniors.* Age limits and other limits may apply upon cover extension. The Comprehensive and Domestic Plans also allow you to apply for pre-existing medical conditions cover.*

* Before making a decision about this product, please consider the Product Disclosure Statement for terms, conditions, limits and exclusions that apply. A Target Market Determination (TMD) has been developed for this Insurance and is available at www.allianzpartners.com.au/policies/ .

Features & Benefits

24/7 emergency assistance.

If you need help while travelling, Australia-based case managers are here for you 24/7, with registered nurses and doctors available for overseas policies.

Boomers Travel Insurance offers cover under selected benefits if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and you have not travelled against the advice of an Australian Government. Terms, conditions, exclusions limits and sub-limits apply. Please refer to the Product Disclosure Statement for full details.

Pre-existing medical condition cover

You may be eligible for pre-existing medical condition cover on Comprehensive, Multi-Trip and Domestic plans using the Boomers Travel Insurance medical assessment, which provides an instant outcome.

Travel warnings, epidemics & pandemics

Always consult the smartraveller.gov.au website prior to any travel.

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

In addition to visas, countries may require proof of COVID-19 test results; vaccination requirements; and compulsory travel insurance, with proof of adequate medical benefit cover. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding your international travel insurance policy due to international entry requirements, please contact us on 1800 780 577.

Before buying our travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

If during the period of your cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under some sections of your policy. Consult your Product Disclosure Agreement for details. Make sure you stay up to date and comply with travel information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT), Smartraveller website and World Health Organization (WHO) and Department of Home Affairs .

Cover types

Depending on the plan you choose, we will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only.

Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.

Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.

Covers you, your spouse or partner, and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full-time and will be with you for 100% of your journey.

Terms, conditions, limits and exclusions apply; refer to the Product Disclosure Statement to learn more about our Cover Types.

Depending on your age, where you are travelling to, the length of your trip, you may be offered one, two or three different plans. The below is only a summary.

Terms, conditions, limits and exclusions apply; refer to the Product Disclosure Statement to compare plans in more detail.

This Domestic Plan offers cover for a single trip within Australia. It is designed to cover personal liability*, luggage*, unexpected trip cancellation*, and more*. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs or increase item limits.

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for full details. The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html

Comprehensive

This Comprehensive Plan offers cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability*, luggage*, unexpected trip cancellation*, and much more*. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.

This Essentials Plan offers budget-friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability*, luggage*, and unexpected trip cancellation*.

This Multi-Trip Plan is a 12-month plan that offers all the benefits of our Comprehensive or Domestic Plans for multiple trips within Australia* and overseas. Our Multi-Trip Plan is available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued. You pay one premium for all return trips from Australia that you make in a 12-month period. Simply choose each trip destination as well as the trip duration that will cover your longest journey: 15, 30 or 45 days.

Optional cover

For an additional premium, you may be eligible to add one or more of the following optional covers to Comprehensive, Multi-Trip and Domestic plans*.

Going to the snow? You may be eligible to add a Snow Pack to be covered for snow sport activities including amateur skiing, snowboarding, sledding, tobogganing or tubing. Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more.*

Cruise Pack

Going sea or ocean cruising? Add a Cruise Pack to be covered for medical costs on board, ship to shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more.*

Adventure Pack

Doing adventure activities? You may be eligible to add an Adventure Pack to your plan to be covered for a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling and much more.*

Increased Item Limits Cover

Taking higher-value items? To increase the item limit for higher-value items, add Increased Item Limits Cover to your plan, so your item is covered for its value, should it be stolen, lost or damaged. *

Customer Support

 To make a new claim or to check the status of an existing claim, head to our claims portal.

Call emergency services immediately if your condition is life threatening. Call us as soon as you can on

 Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

© 2024 BOOMERS TRAVEL INSURANCE and BOOMERS TRAVEL GUIDE

Boomers World Pty Ltd ABN 75 621 186 294 AR 1261730 trading as Boomers Travel Insurance arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. Terms, conditions, limits and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement . The Target Market Determination is available at www.allianzpartners.com.au/policies/ . If you purchase a policy we receive a commission which is a percentage of your premium – ask us for more details before we provide you with any services on this product.

Travel insurance on tap.

Instant payouts on approved claims, support that never sleeps and access to expert guidance right when you’re faced with “it”..

Why choose PassportCard?

Customers love us

We think we’re great, but don’t just take our word for it. PassportCard is rated 4.4 stars on Product Review.

Instant payouts backed by US patented technology

Get instant payouts for approved claims anytime, anywhere*. It’s the way insurance should be – quick, simple and hassle-free.

Local team & global assistance

Support that never sleeps with our Australian based 24/7 Global Customer Support team. Whether you need to find a doctor, your flight is cancelled or you have a question about your policy, our team is ready to help.

How it works

Medical issue overseas?

Need a doctor? In pain and not sure what to do? Call our 24/7 Global Assistance team and we can direct you to the nearest pharmacy, hospital or doctor. For approved claims we will load the PassportCard with funds to cover your medical costs.

Find out more

Luggage delayed?

When your luggage isn’t where you are, it’s hard to begin your holiday. Just call us and we can add up to $250 to the PassportCard to buy emergency essentials.

Cash stolen?

No cash, no holiday! Call us and we can put up to $500 on the PassportCard to help you until you work out details with your bank.

What else does PassportCard provide cover for?

Trip Cancellation

In case you need to cancel your trip unexpectedly

Lost Luggage

Cash to cover costs if your bags are lost

Travel Delays

If you need to pay for accommodation because of a travel delay

Dental Emergencies

If you need immediate treatment while you are travelling

What our customers say about us

PassportCard travel insurance has been a game-changer for me!

One standout feature is their commitment to loading the PassportCard with necessary funds in case of emergencies.

Their efficient and reliable service makes them my go-to choice for travel insurance every time.

Moran B. travelled to New Zealand 

Very satisfied with the service and ease of the process.

Was in the USA and daughter was unwell and had to see a doctor in emergency hospital…. I called Passportcard and whilst I was still on the phone in real time the funds were loaded onto the card. 

Jim travelled to USA

Fantastic- was so happy to find this company.

Affordable and so easy to deal with and covered my pre-existing medical condition that many other companies would not.

Sharyn travelled to the Pacific Islands

So easy and love the card so we’re not out of pocket for claims

PassportCard were easy to deal with, price was competitive and I love the idea of the card to settle claims instantly. 

HappyUpsider travelled to Fiji

Great cover, Caring Supportive Staff and got me to the birthday on time!

Passport card were calm and put me at ease, confirmed my cover. Offered me hotel accommodation or alternative flights and were able to get a flight direct to Portugal.

J Walker travelled to Europe

Great cover at affordable prices.

Great cover at affordable prices that fit our needs. Thanks

Ian travelled to South-East Asia 

I like it because it is simple

Good value and the gentleman I dealt with was very helpful and friendly.

Bob D. travelled to the Middle East

Our awards so far

Australian Insurance Industry Awards

2024 Claims Team of the Year – Finalist. Winner announced 22 August 2024

Mansfield Award

2024 & 2019 winner of the Mansfield Award for Excellence in Speciality Claims

LMI Claims Comparison 5 star rating

* All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.

Travel Alerts: World events and “Do Not Travel” advice may affect your policy. Please read our Travel Alerts . If you need emergency assistance, contact the 24/7 Global Assistance team on our reverse charge number: +61 1800 490 478

HOW CAN WE HELP?

Travel insurance with broad pre-existing medical condition cover available, up to age 90., when you’re travelling – you need the cover.  for a range of reasons travel insurance is a smart move. break your wrist, miss a flight or lose your luggage – and that’s before you leave the airport.

If you’re booking travel, it’s time to apply for TBIB travel insurance now – and here’s why;

• Cover for individuals, couples, or families
• Choose annual multi-trip or single trip cover
• Choose worldwide cover including USA and Canada
• Exclude the USA and Canada for a premium saving
• Unlimited overseas medical expenses and emergency assistance,   including Covid illness
• Option to include Covid cancellation cover – up to $2,500 per traveller
• Cruising automatically included
• On-piste skiing automatically covered on annual Multi-Trip policies 
• Available to travellers up to age 90
• Generous automatic cover for many pre-existing conditions
• Brief online medical screening to cover additional pre-existing conditions
• 24-hour emergency assist based right here in Australia
• Claims assessed and managed in Australia
• Cover underwritten by Lloyds – the worlds largest insurance market

Find out more about TBIB Travel Insurance  here .

To apply for TBIB Travel insurance online, click here

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Yahoo Finance

Is interactive brokers (ibkr) a buy as wall street analysts look optimistic.

When deciding whether to buy, sell, or hold a stock, investors often rely on analyst recommendations. Media reports about rating changes by these brokerage-firm-employed (or sell-side) analysts often influence a stock's price, but are they really important?

Before we discuss the reliability of brokerage recommendations and how to use them to your advantage, let's see what these Wall Street heavyweights think about Interactive Brokers Group, Inc. (IBKR).

Interactive Brokers currently has an average brokerage recommendation (ABR) of 1.22, on a scale of 1 to 5 (Strong Buy to Strong Sell), calculated based on the actual recommendations (Buy, Hold, Sell, etc.) made by nine brokerage firms. An ABR of 1.22 approximates between Strong Buy and Buy.

Of the nine recommendations that derive the current ABR, eight are Strong Buy, representing 88.9% of all recommendations.

Brokerage Recommendation Trends for IBKR

Check price target & stock forecast for Interactive Brokers here>>> While the ABR calls for buying Interactive Brokers, it may not be wise to make an investment decision solely based on this information. Several studies have shown limited to no success of brokerage recommendations in guiding investors to pick stocks with the best price increase potential.

Do you wonder why? As a result of the vested interest of brokerage firms in a stock they cover, their analysts tend to rate it with a strong positive bias. According to our research, brokerage firms assign five "Strong Buy" recommendations for every "Strong Sell" recommendation.

This means that the interests of these institutions are not always aligned with those of retail investors, giving little insight into the direction of a stock's future price movement. It would therefore be best to use this information to validate your own analysis or a tool that has proven to be highly effective at predicting stock price movements.

With an impressive externally audited track record, our proprietary stock rating tool, the Zacks Rank, which classifies stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), is a reliable indicator of a stock's near -term price performance. So, validating the Zacks Rank with ABR could go a long way in making a profitable investment decision.

ABR Should Not Be Confused With Zacks Rank

Although both Zacks Rank and ABR are displayed in a range of 1-5, they are different measures altogether.

The ABR is calculated solely based on brokerage recommendations and is typically displayed with decimals (example: 1.28). In contrast, the Zacks Rank is a quantitative model allowing investors to harness the power of earnings estimate revisions. It is displayed in whole numbers -- 1 to 5.

It has been and continues to be the case that analysts employed by brokerage firms are overly optimistic with their recommendations. Because of their employers' vested interests, these analysts issue more favorable ratings than their research would support, misguiding investors far more often than helping them.

In contrast, the Zacks Rank is driven by earnings estimate revisions. And near-term stock price movements are strongly correlated with trends in earnings estimate revisions, according to empirical research.

In addition, the different Zacks Rank grades are applied proportionately to all stocks for which brokerage analysts provide current-year earnings estimates. In other words, this tool always maintains a balance among its five ranks.

Another key difference between the ABR and Zacks Rank is freshness. The ABR is not necessarily up-to-date when you look at it. But, since brokerage analysts keep revising their earnings estimates to account for a company's changing business trends, and their actions get reflected in the Zacks Rank quickly enough, it is always timely in indicating future price movements.

Is IBKR Worth Investing In?

Looking at the earnings estimate revisions for Interactive Brokers, the Zacks Consensus Estimate for the current year has increased 1.2% over the past month to $6.81.

Analysts' growing optimism over the company's earnings prospects, as indicated by strong agreement among them in revising EPS estimates higher, could be a legitimate reason for the stock to soar in the near term.

The size of the recent change in the consensus estimate, along with three other factors related to earnings estimates, has resulted in a Zacks Rank #1 (Strong Buy) for Interactive Brokers. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>>

Therefore, the Buy-equivalent ABR for Interactive Brokers may serve as a useful guide for investors.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

Interactive Brokers Group, Inc. (IBKR) : Free Stock Analysis Report

To read this article on Zacks.com click here.

Zacks Investment Research

Australia's RBA Rules Out Rate Cuts in Near-Term

Australia's RBA Rules Out Rate Cuts in Near-Term

FILE PHOTO: A worker is reflected in a wall of the Reserve Bank of Australia (RBA) head office in central Sydney, Australia, March 1, 2016. REUTERS/David Gray/File Photo

SYDNEY (Reuters) - The head of Australia's central bank on Tuesday ruled out rate cuts in the near term, saying policy had to remain restrictive to bring stubborn core inflation to heel.

Speaking after a policy meeting, Reserve Bank of Australia (RBA) Governor Michele Bullock said the bank's board had discussed raising rates at the meeting, but decided policy was in the right place for the time being.

Bullock emphasised markets had got ahead of themselves in pricing in rate cuts as early as November and suggested an easing was unlikely for the next six months or so.

(Reporting by Wayne Cole; Editing by Himani Sarkar)

Copyright 2024 Thomson Reuters .

Tags: Australia

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