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! 

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Last updated 5 December 2025 Important disclosures and comparison rate warning*
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    Unloan Variable Home Loan

    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.19 % p.a.
    Variable
    Comparison rate
    5.10 % p.a.
    Initial monthly repayment
    $2,742
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  • First Home Buyer Loan

    • Owner occupier
    • Principal & Interest
    • 5% min deposit
    • For first home buyers
    • Offset available
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    Interest rate
    4.99 % p.a.
    Variable
    Comparison rate
    5.04 % p.a.
    Initial monthly repayment
    $2,681
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    • Competitive interest rate – 4.99% p.a. (comparison rate* 5.04% p.a.)
    • Offset account to reduce interest and save on repayments
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  • Fixed Rate Home Loan

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    • 5% min deposit
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    Fixed 2 years
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    5.43 % p.a.
    Initial monthly repayment
    $2,712
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    • No ongoing annual fees
    • Make up to $25,000 extra repayments during a fixed period, fee free (T&Cs apply)
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  • Unloan Variable Home Loan

    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.19 % p.a.
    Variable
    Comparison rate
    5.10 % p.a.
    Initial monthly repayment
    $2,742
    Go to site
    • The first home loan with an automatic loyalty discount (conditions apply)
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  • Discount Great Rate Home Loan

    • Owner occupier
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    Interest rate
    5.19 % p.a.
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    5.20 % p.a.
    Initial monthly repayment
    $2,742
    Go to site
    • Get up to $3,000 cashback when you apply online (T&Cs apply)
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  • Variable Home Loan 90

    • Owner occupier
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    Interest rate
    5.29 % p.a.
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    5.33 % p.a.
    Initial monthly repayment
    $2,773
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    • No monthly or ongoing fees
    • Option to add an offset for 0.10% p.a.

  • Offset Home Loan

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    Interest rate
    5.39 % p.a.
    Variable
    Comparison rate
    5.42 % p.a.
    Initial monthly repayment
    $2,805
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    • No ongoing monthly loan maintenance fees to pay.
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