Australia’s best travel insurance for 2024
With international travel back on the agenda, so too is the search for top value travel insurance. The pandemic is still top of mind and finding a policy that has cover for possible hospitalisation as well as cancellations should you contract Covid is crucial.
Mozo’s experts analysed 81 policies from 37 insurance companies to uncover the very best for the 2024 Mozo Experts Choice Awards. Only plans that offered cover for medical expenses resulting from Covid-19 in their cover were considered.
“It is so exciting for Australians to be travelling again and when you consider the cost of travel insurance, it really is a small price to pay for peace of mind,” Mozo Expert Judge Peter Marshall says.
So, if you’re looking to travel internationally in 2024, check out the major winner in this year’s awards, World2Cover, along with our Editor's Picks for this month….
TRAVEL INSURANCE PROVIDER OF THE YEAR 2024
Important information on terms, conditions and sub-limits.
World2cover Top*
Not only did World2Cover’s Top policy take out an award in the best value award category, but it also scooped a Mozo Experts Choice Award for best quality comprehensive travel insurance. This policy comes with unlimited medical and hospital cover for covid and non-covid related issues. There is limited cancellation cover for covid (up to $3500) but otherwise it is unlimited should you need to cancel your travel plans. You’ll also get $15,000 cover for luggage and personal effects and rental car excess cover of $5000. Amateur sporting and adventure activities such as hot air ballooning and bungee jumping are covered at no extra cost. Dependents travelling with you receive free cover as long as they are listed on the policy. T&Cs apply so be sure to read the PDS before purchasing.
MOZO EXPERTS CHOICE AWARDS TRAVEL INSURANCE WINNERS
Important information on terms, conditions and sub-limits.
Freely - International Travel Insurance
- Customisable, flexible coverage through the Freely app
- 10% off with a Mozo exclusive discount
For those looking for sheer convenience, it’s hard to beat Freely’s all-in-one travel app. Customise this flexible policy by adding or taking away extras and coverage as you need it to suit your holiday. Friends suddenly invite you whitewater rafting? Add adventure sports cover (with conditions).
Optional extras include gadgets, snow sports, cruise, motorcycle cover, and more. For a limited time, you could also nab 10% off your policy with the Promo Code “MOZO10” (T&Cs). Freely's travel insurance policies won two Mozo Experts Choice Travel Insurance Awards^ in 2024.
Zoom Comprehensive Travel Insurance
- Unlimited 24/7 emergency assistance
- Optional extras for car rental or sports activities (T&Cs)
Zoom’s Comprehensive Travel Insurance provides 24/7 emergency assistance to help protect you from unexpected events on your holiday. It also covers you for medical emergencies, trip cancellation, lost luggage, family emergencies and even more.
Zoom picked up an award for Exceptional Value Essential Travel Insurance making it a a great choice for travellers looking for a great value package. Add optional cover for extras such as Rental Vehicle Excess if you are hiring a car or a Sports Activities Pack if you’re feeling adventurous.
Southern Cross Travel Insurance - International Comprehensive Family
- Unlimited medical and evacuation cover (T&Cs)
- Optional extras for snow sports and motorcycle cover (T&Cs)
Whether travelling alone or with your family, this single-trip comprehensive insurance policy aims to please with some great standard features. Unlimited medical and evacuation cover headline the policy, and you have the option to increase cancellation to unlimited (though this will add to your premium).
Travelling solo overseas for less than two days? Southern Cross claims your premium could cost less than a meal. Unfortunately, pre-existing conditions aren’t automatically included, but you can apply to have them added with a medical assessment for an additional premium (with conditions). Southern Cross Travel Insurance also won two Mozo Experts Choice Travel Insurance Awards^ in 2024.
Travel Insurance Saver - Bare Essentials
- Unlimited overseas medical coverage (T&Cs)
- Up to $2,500 emergency cancellation and $2,000 lost luggage and effects coverage (T&Cs)
Underwritten by NIB, this impressive essentials policy performed well in terms of Exceptional Value^. While limits apply, eligible expenses you could claim under this policy include emergency cancellation, lost luggage and replacement passport and travel documents coverage (T&Cs).
This year, Travel Insurance Saver won a Mozo Experts Choice Travel Insurance Awards^ in 2024 for Exceptional Value.
EDITOR’S PICKS FOR THE MONTH
Important information on terms, conditions and sub-limits.
Fast Cover Comprehensive*
- Unlimited medical and hospital cover
- $15,000 luggage and personal
- Free cover for dependents
Fast Cover’s comprehensive policy comes with unlimited medical, hospital, repatriation and evacuation cover for covid and non-covid related issues. It comes with limited cancellation cover for covid (up to $5000) but if you need to cancel your travel plans for other reasons cancellation cover is unlimited.
You’ll get $15,000 cover for luggage and personal effects and $5 million personal liability cover. The policy includes cover for a range of sports and leisure activities and there is an option to add in additional cover for things like skiing, adventure sports and cruising. Dependents travelling with you receive free cover as long as they are listed on the policy. Read the PDS as T&Cs apply.
Want to compare more international travel insurance options?
Compare travel insurance providers and read our top tips now at Mozo's travel insurance hub.
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
^See information about the Mozo Experts Choice Travel Insurance Awards
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
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