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.
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!
And remember the golden rule… Always read the fine print!
Check the insurer’s product disclosure statement (PDS) for exclusions and inclusions.
Need to knows about Australian Government Guidelines
Key aspects to consider before travelling
What’s covered and what’s not
Important information on terms, conditions and sub-limits.
Cover for when you are holidaying or visiting international destinations
Learn about domestic holiday cover for when you’re travelling within Australia.
Annual cover if you take more than one overseas trip per year.
Select the type of travel insurance you’ll need.
Compare policy limits and features of each travel insurance provider based on your needs.
Get a quote directly. You’ll need to know your travel dates, number of travellers and key destinations.
With COVID-19 fading into the background, travel advice is now centred on risks like geopolitical conflicts, terrorism and newly emerging health threats like Mpox and avian influenza. To help you stay safe abroad, Australia assigns a safety level to destinations worldwide, including popular travel spots and higher-risk regions, to guide your travel decisions.
So before travelling anywhere, check the advisory level for your destination and follow the recommended advice.
Here are the four advisory levels and what they mean for your travel plans:
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 .
Good news! Aussies are no longer required to show proof of COVID-19 vaccination or apply for a travel exemption when heading to or from Australia. But before you get carried away with travel plans, remember that things aren’t quite back to pre-pandemic norms.
You’ll still need to check the specific requirements of the countries you're visiting, and airlines or cruise lines may have their own policies. So, don’t be surprised if you're asked to provide proof of vaccination or a recent negative test at some point.
Also, rules can always change, so keep abreast of any changing travel requirements, so you’re not caught off guard.
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:
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 travel insurance covers will depend on a number of things including, whether you’re purchasing domestic or international travel insurance, what level of coverage 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.
While the cost of travelling is expensive enough, there's no reason why you have to spend more than necessary on a travel insurance policy – after all, when you're travelling you don't want to spend all your time fretting about your finances.
That's why it's important to look into cheap travel insurance, and the ways you might be able to trim the fat on your policy and premium.
Finding the best travel insurance policy shouldn’t be difficult, which is why every year Mozo announces the Mozo Experts Choice Travel Insurance Awards to help you find one that complements your personal needs and budget.
Mozo’s expert judges analyse hundreds of travel insurance policies to find the best value and best quality insurance across a range of coverage tiers, from medical only to comprehensive, for a variety of different holiday activities and destinations.
Head to our best travel insurance hub page to compare this year's winners.
Generally travel insurance providers will offer four different types of cover, these are:
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.
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:
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.
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.
Comprehensive travel insurance is the highest level of cover you can get when taking a trip overseas. Generally it offers cover for things like:
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.
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.
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.
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i never had to claim anything from my travel insurance but they had good coverage options and were very reasonably priced.
Read full reviewi never had to claim anything from my travel insurance but they had good coverage options and were very reasonably priced.
My partner went to Bali with our 7year twin boys, one of the boys developed a severe ear infection from the swimming pool we assume on the day before they were leaving to return to Melbourne They were required to stay an extra 7 days on medical advice with medical certificates at a total cost of approx $14k They were insured with Chubb Travel Insurance via our American Express Centurion Card I have spent over 4 months and 50 hours arguing and trying to recover the out pockets, Chubb are a nightmare, do not use them, go elsewhere, when they do pay part of the claim, they only give you a small percentage of it, they will not even pay for the sick 7 year boy's food for the week, they are shocking We had all medical certificates and 55 pages of claims and receipts
Read full reviewMy partner went to Bali with our 7year twin boys, one of the boys developed a severe ear infection from the swimming pool we assume on the day before they were leaving to return to Melbourne They were required to stay an extra 7 days on medical advice with medical certificates at a total cost of approx $14k They were insured with Chubb Travel Insurance via our American Express Centurion Card I have spent over 4 months and 50 hours arguing and trying to recover the out pockets, Chubb are a nightmare, do not use them, go elsewhere, when they do pay part of the claim, they only give you a small percentage of it, they will not even pay for the sick 7 year boy's food for the week, they are shocking We had all medical certificates and 55 pages of claims and receipts
Great price and satisfaction with the service
Read full reviewGreat price and satisfaction with the service
