Australia’s best travel insurance for 2025

• Unlimited cover for medical and up to $2,000 for dental emergencies
• Up to $25,000 luggage cover
• Free cover for children under 18

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With Medibank’s International Comprehensive Travel Insurance you’ll get cover for overseas medical (including certain Covid19 related scenarios) and dental expenses up to $2,000 plus inclusions for unforeseen cancellations and lost/stolen valuables. There’s up to $3,000 for travel delay expenses, rental car excess (up to $10,000), personal liability and more.  You can also add cover for snow sports, cruises and high value items for an additional premium. 

You’ll have 24/7 emergency assistance should you need support finding appropriate medical treatment, organise a medical evacuation, or if you require assistance replacing lost travel documents and credit cards.

Accompanying children under the age of 18 can be included on your policy for free and if you are already a health member of Medibank or AHM you’ll get a 15% discount.

Plus if you travel more than once a year, the annual Multi-Trip policy has all the same benefits of the comprehensive policy for multiple trips within a 12 month period and was a winner of a Mozo Experts Choice 2025 Award for Exceptional Value^. 

• Customisable, flexible coverage through the Freely app
• 10% off with a Mozo exclusive discount

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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. Policy includes: unlimited medical and hospital (covid cover included), up to $10,000 for luggage and personal effects and $5,000 in cancellation fees per policy (with the option to increase limits).  You could also nab 10% off your policy with the exclusive Mozo Promo Code “MOZO2025” (T&Cs). 

• Mozo Experts Choice Award 2025^ - Exceptional Value Essential Travel Insurance
• Unlimited overseas medical cover
• Up to $2,500 cancellation cover
• One way travel option & extend cover from overseas

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With Travel Insuranz’s Classic policy, you’ll be covered for the essentials like unlimited overseas medical expenses (includes flying a friend or family member to be with you while you recover if you are seriously sick or injured), $2500 cancellation cover, and up to $2500 for luggage and personal effects. 

There is 24/7 emergency assistance and if you find yourself extending your holiday while overseas you can extend your cover from overseas. Travel Insuranz also has the option to purchase one way travel if you haven’t yet decided on your return plans. 

Kids under 18 who are travelling with their parents are covered free of charge and up to the same amount as adults.

Cover for things like snow, cruise and motorbike / scooters are automatically covered as well as a range of sports and activities but there are T&Cs so be sure to read the PDS fully before you purchase. 

• Unlimited hospital and medical
• $20,000 for both luggage and cancellation cover

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If you’re looking for quality cover and value for money, Travel Insurance Saver was named Australia’s Best Travel Insurer in the 2025 Mozo Experts Choice Awards. Its comprehensive policy has unlimited hospital and medical cover and includes $20,000 cover for both luggage and personal effects. It also has a generous $20,000 cancellation cover should you need to amend your travel plans. 

The comprehensive policy comes with automatic cover for up to 40 medical conditions. If your medical condition isn’t covered automatically, you may be able to complete a medical screening to determine if you can be covered. Other standard benefits include up to $10,000 rental car excess cover, $3,000 credit card fraud and replacement, and $5 million personal liability.  

Travel Insurance Saver was established in 2008. Its customer service team is based in Melbourne and it offers 24/7 worldwide emergency assistance for policy holders.

• Unlimited cover for medical and $2,000 for dental emergencies
• $3,000 cancellation cover
• Kids covered at no extra cost

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This policy from AHM comes with standard cover including unlimited overseas medical and hospital expense cover, cover for if your luggage or valuables get lost, damaged or stolen, and should the unexpected happen, cover In case you need to cancel or change your trip. 

It also has add-on cover for an additional premium for a range of extra activities and needs including motorbike, cruise and snow cover as well as extra luggage and increased cancellation cover if the standard $3000 doesn’t suffice. 

Dependent kids under the age of 18 are covered at no extra cost as long as they are travelling with you and included on the certificate of insurance. And the policy also covers pet boarding should you get delayed and you need to extend their stay. 

If you’re an existing Medibank or AHM health member you’ll also get a 10% discount. 

• Unlimited 24/7 emergency assistance
• Optional extras for car rental or sports activities (T&Cs)

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Editor’s pick: 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.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.

• 24/7 emergency support
• Get a quote in minutes

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Editor’s Pick: If you’re looking for cover from a name you can trust, Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). You can also get optional extras like cover for existing medical conditions and winter sports to tailor cover to your needs. Plus, you can also reduce your premium with your choice of excess. T&Cs apply.

• Unlimited overseas emergency medical and repatriation cover
• Covid-19 cover included
• Luggage and personal belongings cover

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If you just want cover for the essentials, like emergency medical & repatriation, luggage cover (up to $2500) and choice of cancellation cover  (up to $10,000), the Essentials Travel Insurance Policy could suit. You’ll get 24/7 emergency assistance if you need help while travelling and if you need to make a claim you can start it anytime online. The maximum excess is $200.