From road trips to jet-setting, why travel insurance should be a non-negotiable

By Gabriella Margerison · · 2 min read
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Ah, the summer holidays! A time for adventure, relaxation, and some much-needed R&R. Whether you’re jetting off to a tropical paradise, road-tripping with the kids, or taking a solo trip to reclaim your sanity, there’s one travel essential you don’t want to forget: travel insurance.

Sure, it’s not as exciting as packing your swimmers or planning your theme park itinerary, but it could save you from a holiday headache that makes losing your luggage seem like the least of your worries.

The safety net you need

Picture this: you’re on your dream getaway, but the universe has other plans. A bout of food poisoning, a missed flight, or a sudden travel ban could flip your plans upside down. For families, it’s especially important. Kids have an uncanny knack for finding creative ways to get into scrapes – whether it’s a tumble at the hotel pool or a sudden fever. With travel insurance, you can breathe easy knowing unexpected medical costs won’t throw your budget off course.

Cover for the things you didn’t plan

Even the most organised travellers can’t plan for everything. Flight delays, cancellations, or misplaced luggage can be as common as seagulls at the beach. And while it’s frustrating, travel insurance can cover unexpected costs like extra accommodation or buying those emergency essentials when your bags are MIA.

Protect your wallet from big risks

If you’re travelling overseas, medical bills can escalate fast. From hospital visits to emergency evacuations, the costs can be astronomical. Travel insurance ensures you’re not dipping into your life savings to foot the bill.

For solo travellers, it’s your backup plan. If plans change or emergencies arise, you’ve got support. And for families, it’s peace of mind multiplied, because the only thing you should be worrying about is how many snacks to pack.

Choosing the right policy for your trip

Not all travel insurance policies are created equal. Whether you're headed on a luxury cruise or a quick domestic getaway, make sure you’re covered for activities, medical emergencies, cancellations, and even adventurous pursuits (hello, snorkelling). It’s important to compare travel insurance policies to make sure you’re getting the cover suited to your needs.

So, whether you’re herding the family or flying solo, don’t hit the "book now" button without sorting your travel insurance. Trust us, your future self will thank you. Bon voyage! 

Mozo may receive payment if you click products on our site. Mozo does not compare the entire market, but you can see more products by clicking on the ‘See more’ button under the table.
Important information on terms, conditions and sub-limits.
Last updated 22 November 2024 Important disclosures

Travel insurance comparisons on Mozo

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    Comprehensive
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    Choose $0 to Unlimited

    Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). Save 10% on your policy before 01/12/24 with promo code TRAVEL10. T&Cs apply. Optional extras like cover for existing medical conditions and winter sports available. 24/7 emergency support. Get a quote in minutes. Reduce your premium with variable excess. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance.

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  • Australia Post logo
    Basic
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Australia Post Basic International Travel Insurance can help protect you against expensive overseas medical or dental bills. Choose your excess. Choose between a single trip and an annual multi-trip coverage. Add optional extras cover for existing medical conditions (T&Cs apply). Enjoy 24/7 support. Get a quote in minutes. Save 10% on your policy before 01/12/24 with promo code TRAVEL10. T&Cs apply.

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  • Fast Cover logo
    Standard Saver
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Know that you have some protection for your holidays with Fast Cover’s worldwide 24-hour emergency assistance. Cover is available for Emergency Medical and Hospital Expenses, Trip Cancellation, Lost Luggage and more. 25-day money back guarantee when you buy a policy and provided that you have not started your trip, made a claim or used your policy to obtain a visa. Cancellation cover for COVID claims limited to $3,000. Please refer to Fast Cover’s PDS for more information on what their Standard Saver Travel Policy offers, as well as terms, conditions, exclusions and limits that apply.

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  • Fast Cover logo
    Comprehensive
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
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    Know that you have some protection for your holidays with Fast Cover's worldwide 24-hour emergency assistance. Cover is available for emergency medical and hospital expenses, cancellation costs, lost luggage and more. 25-day money back guarantee when you buy a policy and provided that you have not started your trip, made a claim or used your policy to obtain a visa. Cancellation cover for COVID claims limited to $5,000.Please refer to Fast Cover’s PDS for more information on what their Comprehensive Travel Policy offers as well as terms, conditions, exclusions and limits that apply.

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  • Southern Cross Travel Insurance logo
    International Comprehensive Single
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Choose $2,500 to Unlimited

    Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents.

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  • Southern Cross Travel Insurance logo
    International Comprehensive Family
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
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    Choose $2,500 to Unlimited

    Enjoy the security of single trip or annual trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents.

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  • Travel Insuranz logo
    Premier
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
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    cancellation cover
    $5,000

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  • Travel Insuranz logo
    Deluxe
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
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    cancellation cover
    $10,000

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  • Fast Cover logo
    Standard Saver including Cruise
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
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    $25,000

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  • Fast Cover logo
    Comprehensive including Cruise
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
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    Unlimited

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  • Southern Cross Travel Insurance logo
    International Comprehensive Annual Multi Trip Family
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
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    Enjoy the security of annual trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents.

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  • Southern Cross Travel Insurance logo
    International Comprehensive Annual Multi Trip Single
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
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    Enjoy the security of annual trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents.

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  • Travel Insurance Saver logo
    Comprehensive
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
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    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

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  • Travel Insurance Saver logo
    Annual Multi-trip
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Choose $20,000 to Unlimited

    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

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  • Travel Insurance Saver logo
    Essentials
    Covid medical cover
    Yes
    covid cancellation cover
    No
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    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

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  • Travel Insurance Saver logo
    Bare Essentials
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
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    cancellation cover
    $2,500

    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

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  • Australia Post logo
    Comprehensive Multi-Trip
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    Choose $0 to Unlimited

    Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). Optional extras like cover for existing medical conditions and winter sports available. 24/7 emergency support. Get a quote in minutes. Reduce your premium with variable excess.

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  • Australia Post logo
    Basic Multi-Trip
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Australia Post Basic International Travel Insurance can help protect you against expensive overseas medical or dental bills. Choose your excess. Add optional extras cover for existing medical conditions (T&Cs apply). Enjoy 24/7 support. Get a quote in minutes. Save 10% on your policy before 01/12/24 with promo code TRAVEL10. T&Cs apply.

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  • Fast Cover logo
    Frequent Traveller Saver
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Get peace of mind with Fast Cover with worldwide 24 hour emergency assistance. Enjoy cover for emergency medical and hospital expenses. Get cover for cancellation costs as well as for luggage and personal belongings. No medical assessments required. 25-day money back guarantee. Cancellation cover for COVID claims limited to $3,000.

    Go to site
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  • Fast Cover logo
    Basics
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Know that you have some protection for your holidays with Fast Cover’s worldwide 24-hour emergency assistance. Cover is available for emergency medical and hospital expenses and more. Cover for luggage and personal effects is optional under the Basics policy, so if you wish to include cover under the luggage and personal effects benefit, you will need to choose it at policy purchase otherwise there will be no cover. 25-day money back guarantee when you buy a policy and provided that you have not started your trip, made a claim or used your policy to obtain a visa. Please refer to Fast Cover’s PDS for more information on what their Basics Travel Policy offers as well as terms, conditions, exclusions and limits that apply.

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  • Fast Cover logo
    Basics including Cruise
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Get peace of mind with Fast Cover with worldwide 24 hour emergency assistance. Enjoy cover for emergency medical and hospital expenses. Get cover for cancellation costs as well as for luggage and personal belongings. No medical assessments required. 14 day money back guarantee. Cancellation cover for COVID claims limited to $3,000.

    Go to site
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  • Travel Insurance Saver logo
    Annual Multi-trip
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Choose $20,000 to Unlimited

    Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

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  • Zoom logo
    Comprehensive
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
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    Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

    Go to site
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  • Zoom logo
    Standard
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Get the security of unlimited medical cover and 24/7 emergency assistance services when you travel. Get cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $2,500,000 personal liability cover.

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  • Zoom logo
    Medical Only
    Covid medical cover
    Yes
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Travel with peace of mind with unlimited medical cover and 24/7 emergency assistance services. Get cover for overseas emergency medical and hospital expenses. $2,500,000 personal liability cover.

    Go to site
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  • World2Cover logo
    Basics
    Covid medical cover
    No
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    No

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). COVID cover only available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
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  • World2Cover logo
    Essentials
    Covid medical cover
    No
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). COVID cover only available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
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  • World2Cover logo
    Top
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
    Details
  • World2Cover logo
    Top
    Covid medical cover
    Yes
    covid cancellation cover
    Yes
    overseas hospital
    Unlimited
    cancellation cover
    Unlimited

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
    Details
  • World2Cover logo
    Essentials
    Covid medical cover
    No
    covid cancellation cover
    No
    overseas hospital
    Unlimited
    cancellation cover
    $25,000

    Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). COVID cover only available. Cancellation cover for COVID claims limited to $3,500.

    Go to site
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