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Thinking about taking a trip in the near future? Well you’ve come to the right place. At Mozo we compare travel insurance policies from multiple insurance providers! We also have a long list of frequently asked questions and a range of travel insurance guides below, if you want to read more information on getting cover while abroad.

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What is Travel Insurance?

Travel insurance is a type of insurance that is designed to provide cover while travelling away from home. Typically it provides cover for events such as medical emergencies, sudden cancellations, lost or stolen luggage, alternative transport expenses and so forth. Travel insurance can usually be purchased for both domestic and international trips, although it is generally more popular for people travelling overseas.

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Travel Insurance

How to pick the right type of travel insurance

Searching for travel insurance that suits you and your travels overseas? That will depend on which kind of traveller you are…

Let’s take a look!

  1. Going overseas just once this year? A single-trip policy could be the way to go.
  2. Caught the travel bug? Or buying to different cities for work? A MULTI-TRIP policy is great if you’re doing 2 or more trips a year.
  3. Are you a snow bunny? Take out snow insurance if you’re planning to hit the slopes.
  4. Going on a cruise? Cruise insurance can protect you from mishaps abroad and before boarding.
  5. Globetrotting in your golden years? For seniors, comprehensive insurance is a safety net in case anything goes wrong.
  6. Travelling while pregnant? Look out for insurance that covers pregnancy! But pregnancy with twins or more is most likely not covered.
  7. Backpacking across uncharted paths? A backpacker’s travel insurance is essential to cover your bases - it’s great for multiple destinations.

And remember the golden rule… Always read the fine print!

Check the insurer’s product disclosure statement (PDS) for exclusions and inclusions.

Top things to consider about travel insurance

Types of Travel Insurance

Important information on terms, conditions and sub-limits.

How to compare travel insurance on Mozo

See policy details from these travel insurance providers

Current travel advice and restrictions

On 1 November 2021, the Australian government removed its global ‘Do not travel’ advisory, which had been in place since March, 2020. This change means that fully vaccinated Australians can now travel to countries that are not classified ‘do not travel’, without applying for an exemption first.

There are four travel advice levels countries can be classified as. The levels are based on factors such as crime, terrorism, health, medical care and natural disasters. From 1-4, the advice levels are:

  • Level 1: Exercise normal safety precautions
  • Level 2: Exercise a high degree of caution
  • Level 3: Reconsider your need to travel
  • Level 4: Do not travel

According to Smart Traveller, most travel insurance providers will offer cover for travel to countries classified level one or two. Read more about the latest international travel advice for the country or countries you are planning on travelling to at: smartraveller.gov.au.

Travel and Covid-19

Fully vaccinated Australians can now travel outside of Australia without applying for an exemption. Plus, if you have been fully vaccinated with a TGA-approved Covid-19 vaccine, you will also be able to apply for an International Covid-19 Vaccination Certificate.

Before you get carried away thinking about all the places you could travel to though, it is important to remember that travelling now is nothing like travelling in pre-pandemic days. Prior to departing, you will need to make sure you are aware of what the rules are for entering the country you are travelling to. For example, many countries now require a negative Covid-19 test on arrival, as well as proof of vaccination. Some countries may also still have quarantine in place for vaccinated travellers.

What to do when involved in an accident or emergency overseas

To make sure you are prepared for an accident or emergency overseas, it’s a good idea to know what the laws are in the country you are travelling to and what emergency situations your travel insurance covers.

A few things you may want to take note of prior to travelling are:

  • What healthcare the country offers
  • Emergency numbers, including for an ambulance, the police and the fire service
  • Where the Australian embassy is located
  • What the laws are around driving with an international licence
  • The number for the Consular Emergency Centre (CEC) in Australia
  • The emergency contact number for your travel insurance provider.

While you can contact the Australian embassy or call the CEC for things like a lost or stolen passport, in a crisis situation Smart Traveller recommends getting in touch with the local authorities. If you have travel insurance cover, you could also call your travel insurance provider’s emergency assistance phone line.

What does travel insurance cover?

What travel insurance covers will depend on a number of things including whether you’re purchasing domestic or international travel insurance, what level of cover you opt for and which insurance provider you go with.

Generally, domestic travel insurance offers cover for things like luggage and personal belongings, trip cancellations and delays, rental vehicle excess and personal liability. It should also be noted that most travel insurance companies will only offer domestic cover, if you are travelling more than a certain number of kilometres away from your home - usually around 100 to 250km.

International travel insurance takes into account a few more things like medical or dental emergencies. Typically it includes cover for instances such as overseas medical and hospital expenses, lost or stolen luggage, cancellations and trip delays, rental vehicle insurance excess and personal liability. Some policies may also provide cover for things like replacement travel documents and credit card fraud.

Travel insurance FAQs

What types of travel insurance are there?

Generally travel insurance providers will offer four different types of cover, these are:

  • domestic travel insurance for travel around Australia
  • basic international travel insurance, usually only medical cover
  • comprehensive international travel insurance which includes medical, cancellations, luggage and more
  • multi-trip international travel insurance, if you travel more than once a year

A few providers may offer more specific cover for things like going on a cruise, travelling as a student or in a group. Some may even provide cover specifically tailored towards seniors, skiing trips and Australians who are already overseas.

Is travel insurance expensive?

Whether you see travel insurance as expensive or a necessary cost for peace of mind will depend on your perspective. As with all types of insurance, travel insurance premiums are calculated on a case-by-case basis.

The cost of travel insurance will depend on a number of factors:

  • The duration of the trip
  • The destination/s
  • The age of each traveller
  • Level of cover selected
  • Any pre-existing conditions

Having cover while abroad could help you dodge hefty costs if things do go wrong, so it can be a small price to pay to know you are covered.

How can I find the best travel insurance?

We should start by saying that no one travel insurance policy will be the ‘best’ for everyone. People have different reasons for travelling, budgets and needs. That said, shopping around can help you find travel insurance that works best for you. Are you worried about being covered for medical expenses? Or are you more concerned about lost luggage? Once you have an idea of the cover you need, then you can compare policies.

What is comprehensive travel insurance?

Comprehensive travel insurance is the highest level of cover you can get when taking a trip overseas. Generally it offers cover for things like:

  • Medical emergencies
  • Lost luggage
  • Trip delays
  • Cancellations
  • Rental vehicle insurance excess
  • Personal liability

A lot of comprehensive travel insurance providers will also offer optional extras for specific types of holiday. For instance, things like snow cover or cruise cover. Others will also offer cover tailored towards certain individuals, such as cover for students, seniors and people travelling in a group.

What is flight insurance?

Flight insurance is generally insurance that covers unexpected delays or incidents that happen when flying. Insurance providers do not typically offer standalone flight insurance, rather this will usually be included in a travel insurance policy.

How do I make a travel insurance claim?

Generally travel insurance providers will give customers the option to make a claim online, via email or by giving them a phone call. Details on how you can make a claim can usually be found on the travel insurance provider’s website. It might be a good idea to note down how to make a claim, before heading off on your trip.

Latest travel insurance guides

Domestic travel insurance: A guide to travel insurance for Australia
Domestic travel insurance: A guide to travel insurance for Australia
What happens if I forget to buy travel insurance before leaving Australia?
What happens if I forget to buy travel insurance before leaving Australia?
Mental health and travel insurance report 2018: The comprehensive guide on who offers cover and how you can get it
Mental health and travel insurance report 2018: The comprehensive guide on who offers cover and how you can get it
 Smartphone Travel Insurance Guide
Smartphone Travel Insurance Guide
Travel insurance FAQs - all your questions answered
Travel insurance FAQs - all your questions answered
Credit card travel insurance vs stand-alone travel insurance
Credit card travel insurance vs stand-alone travel insurance

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