apia travel insurance australia

Apia Travel Insurance Review

By David Jones

Last updated on March 3rd, 2022

Read Here for Our Apia Travel Insurance Review:

Apia Travel Insurance is tailored specifically to travellers over 50 years old. Whilst they’re an excellent insurance company in general, Apia offers the best protection to seniors and those of advancing age.

Apia travel insurance offers a variety of protections and benefits against a range of travel risks. Here’s what you need to know.

Who is Apia?

Australian Pensioners Insurance Agency , or Apia, has offered insurance for over 30 years. They are part of the Suncorp Network, which offers different varieties of insurance.

The company does not limit itself to travel insurance. They offer a wide range of products, including:

• home insurance
• travel insurance
• funeral insurance
• health insurance
• motorhome insurance
• caravan insurance
• car insurance
• boat insurance
• motorcycle insurance

They boast a 700,000 customer base under their umbrella, many of whom are part of their other insurance offerings.

What Policies Does Apia Offer?

Apia offers both domestic and international travel insurance for individuals and families. Their travel insurance offers four types of coverage: comprehensive cover, baggage, cancellation, and cancellation and baggage.

Many of their insurance options are available to everyone, except their cancellation and cancellation and baggage, which are only available to Australians.

Their comprehensive travel insurance offers a myriad of different benefits. These include cancellation, baggage, emergency baggage, and travel documents. They also cover cash travellers’ cheque, credit cards, overseas medical, personal liability, accidental death, emergency expenses, and more.

Apia’s baggage coverage is limited to accidental loss, damage, and/or theft. They also offer products with several regional coverages, including Australia, South Pacific, East Asia, and worldwide.

Pros of Apia Travel Insurance

Apia offers a variety of benefits that most Aussie travellers would love to have. For starters, their coverage is expansive. They cover cancellations, provide emergency allowances and even personal medical expenses abroad.

Their overseas coverage is extensive as well, with unlimited medical coverage for both single policies and family policies. Their policies are also generally favourable in price and allow for premiums to be adjusted accordingly.

Filing for claims is also generally easy with Apia, as long as the documents are available and policy documents are there. Staff support is available 24/7. Note that they will require necessary documents, especially for cases involving theft, burglary, or malicious damage.

Some of the factors that can affect your Apia travel insurance premiums include:

• Length of time of travel
• Amount of excess
• Level of baggage cover
• Pre-existing medical conditions
• Countries where you’re travelling

Much of the claims with Apia will result in payment, replacement, or repair of customer property.

Cons of Apia Insurance

Apia has a ton of limitations in general, especially for their customer base. For one, Apia only offers single policies to customers over 50. Family policies would need to have someone over 50 to allow coverage. This severely limits their audience base and the customers who can take advantage of their great offers.

Besides, Apia has an extensive list of circumstances where they will not offer a payout. Many of these situations make sense, but many issues are still often questionable.

For starters, their travel insurance doesn’t cover the cost of fares or accommodation resulting from the loss or theft of your travel documents. They also don’t cover the loss if it results from your participating in hunting, racing, hang gliding, and a range of other adventure activities.

Coverage for pre-existing conditions is also tenuous. This can be a problem, especially for senior customers who will likely have many existing health concerns.

Is Apia Travel Insurance Worth It?

If you’re over 50, Apia is among the best travel insurance options you can find. Many of their policies specifically offer the best covers for seniors who want to travel.

Suppose you can’t get Apia because you’re below 50 or don’t have a relative over 50. In that case, there are other travel insurance options for you. Compare different travel insurance policies online and see which one works for you.

Our Apia Travel Insurance Review is just one of many. You can also read many more Travel Insurance Reviews at MakesCents .

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APIA Travel Insurance Review

An Aussie Insure summary of...

APIA Travel Insurance is an integral part of the APIA insurance company. The company specialises in providing specific travel cover including multi-trip and group excursions mainly aimed at Australia's senior citizens. APIA also have a selection of products for those who are planning a trip far afield or within Australia.

APIA offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

APIA Travel Membership

APIA Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from APIA, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

APIA Travel Insurance Online

Purchasing an online policy from the APIA website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

APIA Travel Insurance Contact Details

Below you will find contact details for APIA Travel Insurance compiled by the Aussie Insure research team.

Website:    APIA Travel Insurance

Telephone:    13 50 50

APIA Travel Insurance Notes

Please note that the information on this page concerning APIA Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

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Here are the top performing travel insurance companies in Australia according to the latest expert, retailer and customer reviews.

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Apia Insurance: My Trusted Cover in Australia

G’day mates! Allow me to share my journey with Apia Insurance , my trusted provider for tailored insurance cover in Australia. Whether you’re looking for car insurance, home insurance, travel insurance, health insurance, or more, Apia has got you covered. Join me as I delve into why Apia has become my go-to insurance option Down Under.

Table of Contents

Key Takeaways:

• Apia Insurance offers a wide range of tailored insurance products in Australia.
• With Apia, you can find insurance coverage for your car, home, travel, health, and more.
• Stay tuned to discover the convenience and benefits that come with choosing Apia Insurance as your provider.
• Learn about exclusive online discounts and the Multi-Policy Discount (MPD) offered by Apia.
• Gain insights into the exceptional customer service and community initiatives that make Apia a trusted name in the industry.

Understanding Apia Insurance in Australia

Welcome to the second section of our journey through Apia Insurance in Australia . In this section, we will take a closer look at the company’s history, its commitment to the Australian community, and the wide range of insurance products it offers.

Apia Insurance has been providing reliable insurance solutions to Australians for many years. With a strong reputation for customer satisfaction and tailored cover, Apia has become a trusted name in the insurance industry.

One of the key factors that sets Apia apart is its genuine commitment to the Australian community. Apia understands the unique needs of its customers and strives to provide insurance products that cater to those needs.

“Apia’s dedication to the Australian community sets them apart from other insurance providers.”

Apia offers a comprehensive range of insurance policies, including car insurance, home insurance, travel insurance, health insurance, and more. Each policy is carefully designed to offer the best coverage and protection for individuals and families across Australia.

To get a better understanding of Apia Insurance and what it can offer you, let’s take a closer look at the company’s history, its commitment to the community, and the range of insurance products available.

Key Benefits of Choosing Apia for Your Insurance Needs

When it comes to insurance, convenience and options are important factors to consider. Apia offers a range of key benefits that make it the ideal choice for your insurance needs.

The Convenience of Online Policy Management

With Apia, you have the convenience of online policy management at your fingertips. Easily access and manage your policies with just a few clicks. Whether you need to review your coverage, make changes to your policy, or file a claim, Apia’s user-friendly online platform makes it quick and simple.

Range of Insurance Products Offered

Apia understands that everyone’s insurance needs are unique. That’s why they offer a wide range of insurance products tailored to meet your specific requirements. Whether you’re looking for car insurance, home insurance, travel insurance, health insurance, or any other type of coverage, Apia has you covered.

With Apia’s comprehensive suite of insurance products, you can rest easy knowing that you have the protection you need, no matter what life throws your way. Trust in Apia’s expertise and experience to safeguard your valuable assets and provide peace of mind.

Choose Apia for your insurance needs and enjoy the key benefits of online policy management and a diverse range of insurance products tailored to your requirements.

The Significance of Online Discounts with Apia Insurance

As an Apia Insurance policyholder, I’ve discovered the significance of taking advantage of their online discounts. These exclusive discounts have the power to enhance the affordability of your insurance premiums, allowing you to protect what matters most without breaking the bank.

How the Online Discount Enhances Affordability

Apia Insurance understands the importance of providing value to its customers. By offering online discounts, they make insurance coverage even more accessible and affordable. These discounts can significantly reduce the cost of your premiums, providing you with peace of mind and financial savings.

Process of Applying Online Discounts to Premiums

Applying for online discounts with Apia Insurance is a simple and straightforward process. When purchasing or renewing your policy online, you will be prompted to enter the relevant discount code or select the discount option. The discount will then be automatically applied to your premium, reflecting the reduced price that ensures your insurance remains within your budget.

With Apia Insurance’s online discounts, you can achieve the perfect balance of comprehensive coverage and affordability. Don’t miss out on the opportunity to save money on your insurance policies – take advantage of Apia’s online discounts today!

Apia’s Multi-Policy Discount (MPD) Explained

Apia’s Multi-Policy Discount (MPD) is a rewarding feature that offers a discount on your premium for holding multiple eligible Apia insurance policies. By bundling your insurance with Apia, you can save more and enjoy the convenience of managing all your policies in one place.

Eligibility Criteria for the MPD

To be eligible for the Multi-Policy Discount, you must meet certain criteria set by Apia. The exact requirements may vary, but typically, you need to have at least two eligible policies with Apia. These policies can be a combination of different types of insurance, such as car insurance, home insurance, or travel insurance.

Which Policies Qualify for the MPD?

Not all policies are eligible for the Multi-Policy Discount. However, Apia offers a wide range of insurance products that qualify for the discount. Some of the policies that may be eligible include:

• Car Insurance
• Home Insurance
• Travel Insurance
• Health Insurance
• Life Insurance
• Boat Insurance
• Caravan Insurance

By combining any of these eligible policies, you can take advantage of the Multi-Policy Discount and enjoy savings on your premiums. It’s a great way to protect yourself and your assets while saving money.

My Experience with Apia Car Insurance

When it comes to car insurance, Apia has proven to be my top choice. From the moment I applied for my policy online, I was impressed by the ease and simplicity of the process. The user-friendly interface made it a breeze to provide all the necessary information, ensuring I received a quote tailored to my needs.

But my positive experience didn’t end with the application. When I had questions or needed assistance, the customer service team at Apia was prompt and knowledgeable. Whether it was explaining policy details or guiding me through the claims process, they were always there to provide support.

What sets Apia Car Insurance apart is the comprehensive coverage it offers. They understand the unique needs of Australian drivers and provide protection for both accidents and unforeseen events. From damage caused by accidents to theft or vandalism, I feel confident knowing that Apia has me covered.

The peace of mind that comes with Apia Car Insurance is further enhanced by their commitment to providing exceptional service. They understand the importance of quick and efficient claims processing, ensuring drivers can get back on the road as soon as possible.

Choosing Apia Car Insurance has been a decision I am grateful for. Their dedication to customer satisfaction, comprehensive coverage, and seamless online experience have made them my preferred car insurance provider. With Apia, I can truly drive with confidence.

Exploring Apia Home Insurance Options

When it comes to protecting your home and belongings, Apia offers a range of comprehensive home insurance options designed to provide you with peace of mind. Whether you’re a homeowner or a tenant, Apia has the right coverage to suit your needs.

Understanding Optional Covers and Exclusions

Apia understands that every home is unique, which is why they offer optional covers that allow you to customize your policy based on your specific requirements. Whether you need coverage for accidental damage, personal valuables, or landlord protection, Apia gives you the flexibility to tailor your home insurance to your individual needs.

It’s important to be aware of any exclusions in your home insurance policy. Exclusions are specific circumstances or events that are not covered by your policy. Understanding these exclusions can help you make informed decisions and ensure you have the coverage you need.

Benefiting from Work Less Pay Less® Discount

Apia believes in rewarding their customers. With their exclusive Work Less Pay Less® discount , you can enjoy savings on your home insurance premiums by demonstrating that you are retired or working less than 20 hours a week. This discount recognizes that you may be spending more time at home and, as a result, your risk profile may be lower.

By taking advantage of the Work Less Pay Less® discount , you can enjoy the benefits of comprehensive home insurance coverage at a more affordable price. It’s just one of the many ways that Apia strives to meet the needs of their customers.

Navigating Apia Health and Life Insurance Policies

Health and life insurance are essential for peace of mind. With Apia’s comprehensive health and life insurance policies, you can protect your well-being and financial security. Navigating through Apia’s range of health and life insurance options is made easy, allowing you to find the coverage that suits your needs.

When it comes to health insurance, Apia offers a variety of plans tailored to different stages of life. Whether you’re a young individual looking for basic coverage or a retiree in need of comprehensive care, Apia has you covered. With their network of trusted healthcare providers, you can have peace of mind knowing that you’ll receive the best possible care.

Apia’s life insurance policies provide financial protection for you and your loved ones in the event of unforeseen circumstances. From term life insurance to whole life coverage, you can choose the policy that suits your financial goals and priorities. Rest easy knowing that your loved ones will be taken care of if something unexpected happens.

Understanding the features and benefits of Apia’s health and life insurance policies is crucial in making the right decision for your future. Their policies offer a range of benefits such as coverage for medical expenses, hospital stays, surgeries, and even end-of-life expenses. It’s important to carefully review the policy details and consider your personal circumstances before making a decision.

With Apia’s user-friendly online platform, you can easily navigate and manage your health and life insurance policies. The online portal allows you to view policy details, make payments, and access important documents. It’s never been simpler to stay on top of your coverage.

Protecting your well-being and securing your loved ones’ financial future is made easier with Apia’s health and life insurance policies. Navigating the details and finding the right coverage that suits your needs is the first step towards a worry-free future.

Safe Travels with Apia Travel Insurance

When it comes to embarking on a journey, travel insurance is an absolute necessity. That’s why I turn to Apia Travel Insurance for reliable coverage that provides protection and peace of mind throughout my travels. With Apia, I know that I am in safe hands.

Apia Travel Insurance offers a comprehensive range of policies that cater to different travel needs. Whether you’re planning a short getaway or a long-term adventure, Apia has options to suit every traveler. From medical expenses and trip cancellation to lost baggage and emergency assistance, Apia has you covered.

One of the key benefits of choosing Apia Travel Insurance is the flexibility it offers. With customizable coverage options, you can tailor your policy to meet your specific requirements. Whether you’re traveling alone, with family, or on business, Apia Travel Insurance ensures that you have the right level of protection.

Apia understands that unexpected situations can arise during your travels. That’s why they have a dedicated team available 24/7 to assist you with any emergencies or concerns. With their prompt and reliable support, you can have peace of mind knowing that help is just a phone call away.

With Apia Travel Insurance, you can focus on enjoying your trip without worrying about what might go wrong. Their comprehensive coverage and exceptional customer service ensure that your travels are safe and worry-free. So, before you embark on your next adventure, make sure to check out Apia Travel Insurance for the ultimate peace of mind.

Securing My Adventures: Apia Boat and Caravan Insurance

For those who love boating and caravanning, Apia offers specialized insurance coverage. Whether you’re sailing on the open water or exploring the countryside with your caravan, Apia understands the importance of protecting your valuable assets. With Apia Boat Insurance and Caravan Insurance, you can have peace of mind knowing that you’re covered in case of unforeseen events.

Specifics of Boat Insurance Coverage

Apia Boat Insurance provides comprehensive coverage for various types of boats, from small watercraft to luxurious yachts. The coverage includes protection against accidental damage, theft, fire, and vandalism. With additional options like agreed or market value, you can customize your policy to suit your specific needs. Whether you’re taking your boat for a weekend fishing trip or embarking on a coastal adventure, Apia Boat Insurance has you covered.

Caravan Insurance for the Avid Traveler

Caravanning is a popular choice for travelers who want to explore the beauty of Australia at their own pace. Apia Caravan Insurance is designed specifically for caravanners, providing coverage for accidental damage, theft, and storm-related events. With optional features such as contents cover and emergency accommodation, you can enjoy your road trip with peace of mind, knowing that you’re protected by Apia.

Whether you’re cruising on the water or traveling on the road, Apia Boat Insurance and Caravan Insurance are essential for securing your adventures. With Apia’s specialized coverage, you can focus on creating unforgettable experiences while knowing that your assets are protected.

Apia Insurance’s Approach to Customer Service

Apia Insurance takes pride in offering exceptional customer service. They understand that every policyholder is unique, with specific needs and concerns. That’s why they provide personalized support to ensure that each customer feels valued and well taken care of.

Personalized Support for Policyholders

At Apia, they go the extra mile to tailor their services to meet the individual requirements of their customers. Whether you have questions about your policy, need assistance with a claim, or simply want to update your coverage, their dedicated customer care team is there to provide prompt and efficient assistance.

Apia’s customer service representatives are trained professionals who possess in-depth knowledge of their insurance products. They take the time to understand your specific situation and provide personalized advice and guidance to help you make informed decisions about your insurance coverage.

Moreover, Apia understands that insurance can be complex and overwhelming, especially for those who are not familiar with the industry. Their customer care team makes every effort to simplify the process, explaining the terms and conditions in plain language and ensuring that you fully understand your policy.

My Personal Experiences with Apia’s Customer Care

Having been a loyal customer of Apia Insurance for several years, I have had firsthand experience with their exceptional customer care. Whenever I’ve had a question or needed assistance, their team has always been responsive, attentive, and genuinely concerned about resolving my queries.

One particular instance stands out in my mind. Last year, I was involved in a car accident and needed to file a claim with Apia. I reached out to their customer care team, and the representative I spoke to was compassionate and calming. They guided me through the entire claims process, ensuring that I had all the necessary documentation and making the whole experience less stressful.

In addition to their responsiveness, Apia’s customer care team has consistently demonstrated a commitment to going above and beyond for their customers. They actively listen to your concerns, address them promptly, and provide regular updates throughout the claims process.

Overall, my personal experiences with Apia’s customer care have been nothing short of exceptional. The level of personalized support they offer reaffirms my trust in their commitment to putting their customers first.

As a policyholder, it’s reassuring to know that Apia is dedicated to providing personalized support and exceptional customer service. Their responsive and knowledgeable team sets them apart from other insurance providers, making them a reliable choice for all your insurance needs.

Apia’s Commitment to the Australian Community

At Apia, our dedication goes beyond providing insurance coverage. We are committed to giving back to the Australian community and making a positive impact. Through various initiatives and programs, we strive to support and contribute to the well-being of the people we serve.

One of our key initiatives is our commitment to strengthening communities across Australia. We actively participate in local events, sponsor community programs, and collaborate with organizations that share our values. By investing in community development, we aim to create a lasting positive change.

An important aspect of our commitment to the community is supporting causes that matter to the people of Australia. As a responsible corporate citizen, we focus on initiatives related to health, well-being, and social welfare. Through partnerships with local charities, we contribute to initiatives that address specific needs and challenges within the community.

Furthermore, Apia recognizes the importance of environmental sustainability. We prioritize environmentally friendly practices and actively seek ways to reduce our carbon footprint. By implementing green initiatives, we contribute to the preservation of our natural resources for future generations.

We are proud of our ongoing commitment to the Australian community. Through our initiatives, we strive to make a difference in the lives of individuals and the communities they call home. At Apia, we believe that by working together, we can create a brighter future for all.

Reflecting on my journey with Apia Insurance, I am confident in saying that it has been a rewarding experience. Throughout this article, I have shared my personal experiences and highlighted the key benefits of choosing Apia as my trusted insurance cover in Australia.

Apia’s commitment to providing tailored insurance solutions for car, home, travel, health, and more has been evident in their range of products and convenient online policy management . The discounts and multi-policy options further enhance the affordability of their insurance, making it a smart choice for individuals and families alike.

From my experience with Apia Car Insurance’s seamless online application process to their dedicated customer care team, I have consistently received personalized support that has made me feel valued as a policyholder. Apia’s commitment to the Australian community through various initiatives also shows their dedication to making a positive impact.

In conclusion, considering all these factors, I confidently consider Apia Insurance as my trusted cover in Australia. Their reliability, extensive range of insurance products, and exceptional customer service have earned my trust. Whether it’s protecting my car, home, health, or travels, I know that Apia has me covered. If you’re looking for insurance that meets your specific needs and provides peace of mind, I wholeheartedly recommend Apia Insurance as a reliable choice.

How long has Apia Insurance been in operation in Australia?

Apia Insurance has been operating in Australia for over 30 years.

What types of insurance does Apia offer?

Apia offers a range of insurance products including car insurance, home insurance, travel insurance, health insurance, life insurance, boat insurance, and caravan insurance.

Can I manage my Apia insurance policies online?

Yes, Apia offers the convenience of online policy management, allowing you to easily access and manage your policies.

What discounts does Apia offer?

Apia offers online discounts that can enhance the affordability of your premiums. They also offer a Multi-Policy Discount (MPD) for holding multiple eligible Apia insurance policies.

How do online discounts with Apia Insurance work?

Online discounts with Apia Insurance can help reduce the cost of your premiums. By applying for insurance policies online, you can take advantage of these discounts and save money.

What is the Multi-Policy Discount (MPD) offered by Apia?

Apia’s Multi-Policy Discount (MPD) offers a discount on your premium for holding multiple eligible Apia insurance policies.

What policies qualify for the Multi-Policy Discount (MPD)?

Policies that qualify for the Multi-Policy Discount (MPD) include car insurance, home insurance, travel insurance, health insurance, life insurance, boat insurance, and caravan insurance.

Why choose Apia Car Insurance?

Apia Car Insurance offers a convenient online application process and quality customer service, making it a preferred choice for many.

What options are available for Apia Home Insurance?

Apia offers a range of home insurance options to protect your property and belongings. Optional covers and exclusions can be explained by Apia to help you tailor your policy to your specific needs. Additionally, Apia provides a Work Less Pay Less® discount for home insurance policies.

Does Apia offer health and life insurance?

Yes, Apia offers health and life insurance policies to provide comprehensive coverage for your well-being and financial security.

What are the features and benefits of Apia Travel Insurance?

Apia Travel Insurance offers protection and peace of mind while you are away. The policy covers various aspects, including medical expenses, trip cancellation, and lost baggage.

What does Apia Boat Insurance cover?

Apia Boat Insurance provides coverage for damage to your boat, theft, liability, and emergency assistance while out on the water.

Can Apia provide insurance coverage for caravans?

Yes, Apia offers specialized insurance coverage for caravans, providing protection for your travels.

What is Apia’s approach to customer service?

Apia prides itself on providing exceptional customer service. They offer personalized support to policyholders, ensuring their needs are met.

How does Apia contribute to the Australian community?

Apia is committed to giving back to the Australian community through various initiatives and programs that support and contribute to its well-being.

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Best travel insurance in Australia April 2024

We analysed 50+ travel insurance policies so you don't have to – check out our shortlist or compare quotes to find the best travel insurance for you..

• Get an online quote in just a few minutes
• Free cover for dependent kids, under 21 travelling with you
• Optional add-on cover for your valuables

• Health members get 15% off
• Cheaper than average
• COVID cancellation

• Covers children up to age 25
• Kids travel for free
• COVID cover included

• Claim up to $5,000 for COVID cancellations
• Claim up to $50,000 for cancellation costs
• $7,500 rental car excess cover

In this guide

Compare quotes to find the best travel insurance for you

Get help finding the best travel insurance policies, why you can trust our research, great for value, great for covid cover, great for families, great for domestic travel, looking for the best travel insurance in australia, tips to find best travel insurance with covid cover, best travel insurance faqs.

Destinations

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

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Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards , customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.

Show summary

• Great for value: Southern Cross Travel Insurance
• Great for COVID cover: Medibank travel insurance
• Great for families: World2Cover
• Great for domestic travel: InsureandGo

Insurance plans analysed

PDS features analysed

Recent travelers surveyed

2.6 million

Quotes served since 2014

Pros and cons

• It's affordable compared to other popular insurers including Cover-More and Allianz.
• Its PDS is much easier to understand compared to the other 28 other international policies we looked at.
• High customer ratings on Finder (4.16/5) and other popular review websites such as product review (4.7).
• Our awards data suggests Fast Cover and Medibank tend to be slightly cheaper.
• Customers rated Tick more highly in the Finder Customer Satisfaction Awards.
• $2,500 cap on cancellations is low and risky for expensive trips. For example, it's unlimited with Fast Cover.

How Southern Cross Travel Insurance compares

*Example quote based on a single 40-year-old travelling to Bali for 2 weeks. Comprehensive policies. Data collected in October 2023.

Why we picked it

SCTI has one of the best claims experiences and an easy-to-read PDS. It's not just us that thinks so. It earned a finalist spot for General Insurance Claims Team of the Year at The International Travel & Health Insurance Journal Awards and won the Best Plain English Legal Document at the most recent Plain Language Awards.

SCTI also received a mere 3 complaints to the Australian Financial Complaints Authority (AFCA) in the latest period. By comparison, Mitsui, which underwrites insurers including InsureandGo, received 47. Very large insurers such as Zurich and AWP (Allianz) received 325 and 95.

It's also consistently good value. On average, it's one of cheapest comprehensive travel insurers, according to our 2023 Finder Awards research. Out of 28 policies, only Fast Cover and Medibank were marginally cheaper.

The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays , Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.

• $10,000 cap for COVID cancellation costs and unlimited medical expenses.
• It's cheap – $233 less than average, according to 300+ quotes we gathered.
• 15% discount for health members (making it the cheapest out of 28 policies).
• ahm and Travel Insurance Saver also cover up to $10,000 for cancellations.
• Only Medibank and ahm health members can access discount.
• $15,000 cap for luggage. SCTI and Cover-More have a $25,000 cap.

How Medibank Travel Insurance compares

Out of 19 comprehensive travel insurance policies, Medibank was one of three to come with a $10,000 cap on COVID related cancellations. ahm and Travel Insurance Saver also cover COVID related cancellations. However, Medibank has a higher Finder Score.

Additionally, our research showed a Medibank international policy cost $353 on average for a 2-week trip overseas. That's $233 cheaper than average, according to our research of 28 policies. It's even cheaper if you're a Medibank or ahm member. It could knock $53 off a $353 policy.

World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.

• Can cover kids up to the age of 25
• Up to $3,500 Covid cancellation cover per person – that's more than SCTI and Cover-More
• Unlimited cancellation cover
• Its underwriter received 43 complaints to AFCA – 21 more than Chubb and 40 more than SCTI (similar sized insurers)
• $5,000 rental car excess is lower than some e.g. Southern Cross ($10,000) and Allianz ($6,000)

How World2Cover Travel Insurance compares

*Example quote based on two 40-year-olds travelling to Bali for 2 weeks with 3 children aged 14, 12 and 7. Comprehensive policies selected. Data collected in October 2023.

Out of 20 travel insurers, World2Cover was one of the only brands to cover children up to the age of 25. It also doesn't have a limit on how many dependents can travel for free. Allianz can also cover kids on a family policy. However, it typically cost more in our research.

• It's very cheap. Out of 23 insurers, it's $180+ less than average.
• Get 10% off your travel insurance policy, using the code Finder10.
• Up to $7,500 towards car rental excess cover. That's $2,500 better than most.
• We found its PDS can be confusing and hard to understand.
• Cover-More, Fast Cover and SCTI also offer reasonably priced domestic policies.
• You absolutely need to read the PDS beforehand. There are lots of conditions attached to every benefit.

How InsureandGo Travel Insurance compares

*Example quote based on a single 40-year-old travelling in Australia for 1 week. All are domestic policies. Data collected in October 2023.

It's competitively-priced and won Finder's 2023 Best Domestic Travel Insurance Award. We looked at 23 domestic travel insurance policies as part of the awards and scored the same 14 features for every policy. These benefits included COVID rearrangement costs, theft or damage to luggage and rental car excess cover.

InsureandGo scored highly for a number of benefits including rental car excess cover, COVID cover, cancellation cover and luggage cover. You get up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs and $7,500 for rental car excess cover.

Similarly, it's good if you plan to rent a car while you're away. InsureandGo's top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident. The average is $5,000. This sometimes isn't enough to cover the excess rental car companies charge.

It is also cheaper on average. Overall, it ranked in first place.

Top 5 policies in travel insurance – domestic

• InsureandGo Gold Domestic
• Australia Post Domestic Travel Insurance
• Cover-More Domestic Comprehensive Travel Insurance
• NRMA Domestic Comprehensive Travel Insurance
• Southern Cross Domestic Travel Insurance

Its main drawback is its Product Disclosure Statement which contains lots of conditions and could leave room for instances where you won't be covered. For example, it can cover cancelling your trip before departure but only for a specific number of reasons. These include: " your unforeseeable death, injury or illness; you have to go to court to be a witness or be on a jury (but not as an expert witness); there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle (This only applies to self-drive holidays). "

Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.

Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics . That's an annual increase of 500,000+ people.

To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.

Tom's trip to the UK

I've got family in the UK, so I've travelled there a few times over the last decade. The UK has reciprocal healthcare arrangements with Australian citizens but it's no help with cancellations or lost luggage, specifically due to COVID, which we've had issues with in the past. Luckily, our travel insurance policy covered us.

Most travel insurers offer COVID cover now and most will cover you for similar COVID-related travel expenses . However, there are still some things you can do to make sure you're getting the right policy for you:

Take out cover for all travellers

Whether you're travelling with your partner or the whole family, make sure that you add them to the insurance policy. That way, if someone catches COVID but you don't, you'll still be covered for expenses.

Get a policy as soon as you book your trip

That way, you're covered if you get sick and need to cancel. A few insurers including Cover-More and Easy Travel Insurance also won't accept COVID-related claims within 21 days of your trip, so make sure you take out cover at least 3 weeks before you jet off.

Check the exclusions

It can be tedious but make sure you give the exclusions in the PDS a read before you buy. For example, you won't be covered for costs related to border closures. It means that you might be out of pocket for prepaid accommodation or booked airline tickets if the government of that country imposes a lockdown.

Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.

Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.

Their insurer, Southern Cross Travel Insurance , covered just under $3,000 in costs . The family paid a $500 excess to claim on 2 events.

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What's the best travel insurance with covid cover.

All the top picks we've selected come with COVID cover but Fast Cover goes a little further than most. Like many other insurers, it can help pay for COVID-related medical expenses, cancellation costs and additional accommodation. It can also cover childcare costs and medical evacuation.

How far in advance should I buy travel insurance?

It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.

Is it best to get a single trip or annual policy?

Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip ( annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

But be aware, annual plans have been a little harder to come by since the pandemic.

What's considered a pre-existing condition for travel insurance?

Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.

What's the best travel insurance for Bali?

There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.

What's the best travel insurance for the US?

The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

• Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
• Resumption of journey. This can help pay you to get home if you're very sick.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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Choice travel insurance buying guide.

Do you need travel insurance? How do you choose the right cover? What are you covered for?

CHOICE answers all the questions you need to know before leaving the country.

Download the CHOICE travel insurance buying guide [PDF 3.52MB] Download the CHOICE travel insurance cheat sheet [PDF 587KB] Who is CHOICE? Set up by consumers for consumers, CHOICE is the independent consumer advocate that provides Australians with information and advice, free from commercial bias. Visit choice.com.au .

Why travel insurance?

• Does travel insurance cover COVID-19?

How to get travel insurance

Before you buy, how to save money on travel insurance.

• How to read the product disclosure statement

What are you covered for?

• Credit card insurance

How to make a complaint

If you’re leaving Australia, travel insurance is just as essential as a passport.

Holidays don’t always go as planned.

If you’re leaving Australia, travel insurance is just as essential as a passport. Medical expenses are the number one reason to get insurance, but sometimes other things can go wrong, such as trip cancellations, delays, lost luggage or even the big stuff like natural disasters and pandemics. If you end up out of pocket because of these things, insurance can make up for that.

The Australian Government won’t pay your medical bills.

In an emergency, the Australian Government can only help so much. The Consular Services Charter describes what the government can and can’t do to help Australians overseas.

If you end up injured or sick while overseas, you’ll be footing the hospital bill and the cost of flying home. If you’re really unlucky, that could cost you or your family hundreds of thousands of dollars.

68% of travellers mistakenly believe the Australian Government would ensure they get medical treatment if they need it overseas, and 43% believe the government would pay their medical bills.

Some countries won’t let you in if you don’t have insurance. 

Singapore and the UAE require you to have travel insurance. Not to mention all 26 European countries in the Schengen Area if you’re applying for a visa to visit. Read the Smartraveller travel advice for information about your destination.

Reciprocal healthcare Australia has reciprocal healthcare agreements with several countries: Belgium, Finland, Italy, Malta, the Netherlands, New Zealand, Norway, the Republic of Ireland, Slovenia, Sweden and the United Kingdom. If you have Medicare, you can get subsidised treatment for essential services only in these countries, which often leads people to ask whether they still need travel insurance. The answer is yes, for the following reasons. You’re usually only covered for urgent care that can’t wait until you get home. If you’re very ill, travel insurance can pay for a medical escort to bring you home to Australia. You still may have to pay fees for treatment and medication. For example, in New Zealand reciprocal health care doesn’t cover you for free or subsidised care by a general practitioner or ambulance. Travel insurance can cover you for cancellations, delays, stolen items and more.

Remember to take your Medicare card with you. You’ll need it, along with your passport, to prove you’re eligible for reciprocal health care. For more information, visit servicesaustralia.gov.au .

Marco* had breathing difficulties on his way home from Europe, causing his flight to be diverted to the UAE. Hospitals in the UAE won’t admit you unless you have insurance or can pay an upfront fee. Marco’s family had to pay thousands of dollars for his treatment. *To protect privacy we have changed names and some details

Do you need domestic travel insurance?

Most of us already have medical cover at home, be it Medicare or private health insurance or both. But there are still a few key reasons to consider domestic travel insurance.

• Cancellation: If you’ve spent a lot on your holiday, then it’s not too much extra to buy travel insurance in case of the unforeseen.
• Baggage cover: If you’re travelling with valuables, think about whether you want them covered for theft, loss or damage.
• Car hire excess: You can save money using travel insurance to cover your collision damage excess, rather than paying the car hire company’s extra charge.

Does international travel insurance cover COVID-19?

Many travel insurers now offer limited cover for COVID-19, but the available cover varies quite a lot.  Some policies only cover medical and repatriation costs if you get COVID-19 overseas, while other policies provide limited cover for cancellation costs in addition to medical and repatriation costs.

You should always check the details of your insurance coverage, particularly how it applies to COVID-19 and travel disruptions.

Over 90% of travellers will look for insurance that covers them for cancellation and medical expenses caused by COVID-19.

If you’re planning to go on a cruise, be extra careful. Some travel insurers may not offer COVID-19 cover for multi-night cruises or they may restrict the cover provided on cruises.

Also, don’t rely on the travel insurance on your credit card unless you check it closely – it may not cover claims related to COVID-19.

There are cooling-off periods for COVID-19 cancellation cover, so it’s best to buy your travel insurance at the same time as you book your trip. Some insurers may only cover cancellation if you test positive to COVID-19 and the policy was purchased more than 21 days before your scheduled departure date.

Make your travel plans COVID-safe

You need to be prepared for your travel plans to be interrupted at short notice. As travel insurance may not protect you from government border closures, general lockdowns or quarantine requirements in your destination country, the key is to book only with providers that allow you flexibility should things change.

• Check the rules for travelling to your destination. For example, are there any entry requirements? What are the vaccination requirements? And what type of travel insurance do you need?
• Read the terms and conditions of your airline, accommodation and travel tours before you book. Will they refund you if you can’t travel due to COVID-19? If they only offer a reschedule or a credit, will you be in a position to redeem the credit in future?
• You can book flexible tickets for flights but be aware you usually have to pay the difference between the prices for the tickets you bought and the new tickets. So changing your flight dates at short notice can be very expensive.
• If you book through a travel agent or booking site, what are their terms and conditions? Will they refund you or provide a credit? Are there cancellation fees?
• If you pay by credit or debit card (and you selected ‘credit’ when you paid), you may have access to credit card chargebacks if something goes wrong.
• Keep on top of the latest travel advice and requirements at smartraveller.gov.au . Travel restrictions can change at short notice.
• If you do have to cancel, your travel insurer will ask you to claim what you can back from travel providers first. Read the CHOICE advice on how to get your money back on travel cancellations and ask your travel insurer if you can get a refund or partial refund of your travel insurance premium.

You can buy travel insurance from a travel insurer, travel agent, insurance broker, credit card provider, or even from your health, home or car insurer.

You can buy travel insurance online (direct from the insurer’s website, from a comparison site or through an airline booking site), over the counter or over the phone.

Buy travel insurance as soon as you know your travel dates. That way you’re covered if your trip is cancelled before you even leave or if you’re unable to travel at all.

You can certainly buy travel insurance quicker than it will take you to read this guide, but do you know what you’ll be covered for? Will you be covered if you trip over after having a drink? If you crash your scooter in Thailand? If you lose your wallet during a stopover? If you need to isolate because you contract COVID-19?

There are a lot of ‘what ifs’ to consider, depending on where you’re going and what you’ll be doing, so it’s worth reading the product disclosure statement (PDS) first to make sure you’ll be covered.

Will you use it? Hopefully not, but research by Smartraveller found that one in 4 Australian travellers experienced an insurable event on their last overseas trip. Most common insurable events Flight or tour cancelled Flight delayed more than 12 hours Received medical treatment Lost, damaged or stolen luggage Missed a connecting flight Lost, damaged or stolen cash or personal items Forced to cancel trip before departure What if the insurers don’t pay out? Australian travellers lodged almost 300,000 insurance claims in 2018–19, the last financial year before COVID-19 travel bans. Almost 90% of those were paid out. Top four reasons for declined claims Due to policy exclusions, or not included in the policy conditions Claim amount was below the excess Claim was due to a pre-existing medical condition Claim was for an item that was stolen while it was unattended

1. Where are you going?

The level of cover and the cost of travel insurance can vary depending on the region you’re travelling to, and some risks may be of greater concern than others. Not all travel insurance policies cover COVID-19 and other pandemics or epidemics such as SARS. And not all policies cover you for changing your plans due to a riot or civil commotion, for example. Travel insurance also may not be available for countries with travel alerts.

• Look up your destination on smartraveller.gov.au and make sure you’re aware of any risks or safety advice.
• Buy a policy that covers you for every country you’re travelling to or transiting through. If you’re going to Europe via a one-night stopover in the US, then get cover for the US and Europe. Usually a worldwide policy will cover this.

86% of travellers say they’re more cautious after the COVID-19 pandemic about travelling to places where it could prove harder to return home in a crisis.

You need different cover for different regions

Insurers sometimes apply policies to regions rather than having a policy for each destination.

Asia Pacific: Destinations such as New Zealand, Bali, Fiji and Papua New Guinea.

Asia: Destinations such as India, Indonesia, Thailand, Singapore and Malaysia.

Europe: Destinations such as the United Kingdom, Ireland and Western Europe.

Worldwide: All of the above as well as regions such as North America, South America, Japan and Africa.

These definitions differ for each insurer. For example, several insurers cover travel to Bali under their Pacific policy, while some will only cover travel to Bali under their Asian region policy.

2. How long are you going for?

Just a quick trip? Simply buy a standalone travel insurance policy for a set number of days.

Travel often? Consider an annual multi-trip policy or a credit card with complimentary travel insurance, but make sure it gives you the cover you need.

Tip: Annual multi-trip policies and credit card policies can restrict the length of each trip you take – anywhere from 15 to 365 days depending on your policy. Some allow you to pay for extra days.

3. What are you going to do there?

Cruising the open road on a moped? Carving up the ski slopes? Partying at a wedding? These things aren’t necessarily included in a travel insurance policy.

Scan the insurer’s list of included activities and those that you’ll have to pay extra for. And take it easy on the grog – if your alcohol or drug intake is the cause of an adverse event, it won’t be covered by your policy.

4. Are you taking any valuable items?

Do you need cover for a digital SLR camera or an expensive tablet or laptop? Cover for such valuables can vary from a few hundred dollars to thousands, and higher cover will often mean a higher premium.

Consider adding cover for portable valuables to your home insurance policy instead, but check on the excess and if the policy will cover you worldwide and not just in Australia.

Policies also vary when it comes to how they cover valuable items. Valuables in your check-in luggage often aren’t covered, while cover for baggage stored in your hire car is inconsistent. And baggage left unattended is never covered, which can include a bag that is stolen from the seat beside you in a restaurant while you’re looking the other way.

Make sure you have receipts for your valuables as travel insurance will not pay if you can’t prove you own them.

5.   Do you have any medical conditions?

If you have a medical condition that existed before you bought your policy, it may not be covered. This can range from something as common as allergies or asthma through to diabetes, heart conditions and knee replacements.

If you’re not sure, the best thing to do is contact the insurer to ask whether they’ll cover your condition automatically or whether you need to do an assessment.

The Massoud family* was holidaying in Singapore when 13-year-old Nazreen had a recurrence of severe bronchitis, which had affected her in Australia before their trip. The family’s travel insurer refused to pay any hospital bills as Nazreen’s bronchitis was a pre-existing medical condition. As a result, the Massouds had to ask their friends to transfer the $17,000 they needed to cover Nazreen’s hospital expenses, additional accommodation and the cost of changing flights. *To protect privacy we have changed names and some details

It’s important to compare policies for cost and cover. Some travel insurance premiums increased by as much as 30% between March and June 2022.

Three-quarters (77%) of travellers are willing to pay more for insurance that covers pandemic-related claims.

The further out from your departure date that you buy travel insurance, the more you’re likely to pay for it, but you’ll be covered from the moment you buy your policy. For example, if you buy insurance 2 months before you fly, you effectively have cheap cover for any events that affect your travel plans in those 2 months.

If you pay for your trip in full 6 months in advance, but you only buy an insurance policy 2 weeks before you depart, you may not be covered for any cancellation costs if you contract COVID-19.

Left it until the last minute, or even later? Only a few insurers let you buy insurance once you’re already overseas (look for the ‘Have you already left Australia?’ checkbox when viewing policy options).

While not all policies offer online discounts, plenty do. Make sure you understand the policy and what it covers. Sometimes (but not always) a reduced price may mean reduced cover.

Tip: Check asic.gov.au/afslicensing to find out whether the agent has an Australian financial services (AFS) licence or is an authorised representative of a licence holder. Take the usual precautions when giving your credit card and other details over the internet.

Member discounts

Does your health, car or home insurance provider also sell travel insurance? Some companies give 10–15% discounts to existing members.

Shop around

Trying to negotiate with a website will probably get you nowhere, but if you’re buying over the phone or through a travel agent, give it a go. Travel agents pocket a commission when they sell you insurance, so if you find a better deal elsewhere, ask them if they can beat it.

Almost two-thirds (62%) of overseas travellers who buy insurance do so on or before the day of booking travel.

Use your credit card

Some credit cards come with ‘free’ travel insurance when you use them to buy a ticket, pay for other travel expenses or otherwise activate it (we say ‘free’ because you’ll pay a premium in fees for the card itself).

This type of insurance can sometimes be a money-saver, and the level of cover can be just as good or even better than standard insurance, but make sure it gives you the cover you need.

Compromise on cover

While good medical cover is always essential, you could save money on your premium by choosing a policy with lower or variable cover for cancellation, delays and lost baggage, especially if you aren’t spending big on your holiday or taking expensive items with you.

Have you read the Product Disclosure Statement (PDS)? According to research conducted in 2022, of those who bought travel insurance: 45% have skim-read the PDS 43% have read the PDS in detail 8% have left the PDS to another person on the policy to read 2% have not and will not read the PDS 2% don’t know

About that fine print

You’re about to click ‘buy’, so you may as well just tick this ‘I acknowledge I’ve read the product disclosure statement’ checkbox and bon voyage…

But wait – have you checked the fine print? In the insurance world, that ‘fine print’ is contained in the product disclosure statement, or PDS (that thing you said you’d read).

How to read the PDS

There are hundreds of policies out there and if you tried to read all the paperwork that comes with each policy, you’d have to extend your holiday just to recover.

If you don’t have time to read the whole PDS cover to cover, at least look for the following.

• The table of benefits is an overall summary of your cover.
• The policy cover section is essential reading and is generally split into ‘what we will pay for’ and ‘what we won’t pay for’.
• General exclusions are also essential reading – these are events that aren’t covered by any section of the policy.
• Pre-existing conditions can remind you of forgotten ailments and are essential reading for anyone with any kind of medical condition, no matter how mild.
• The word definition table might contain a few surprises – it’s a good place to check on the definition of a ‘relative’ or a ‘moped’, for example.
• The claims section lists some further pointers to be aware of (e.g. it’s a good idea not to admit fault or liability in the case of an accident) and the paperwork you may need to collect while you’re away if you need to make a claim, such as police reports.
• COVID-19 cover section – many policies have a special section listing medical, cancellation and other cover available for COVID-19.
• The 24-hour emergency assistance contact number (write it down and keep it handy).

The Weaver* family was relieved to have travel insurance when they needed to cancel their holiday. The family wanted to go skiing in New Zealand, but a few days before they were due to depart, 12-year-old Ruby had cold symptoms. A COVID-19 test showed she was positive. Ruby and her whole family had to isolate and their travel insurance paid their cancellation costs. *This is a fictitious but realistic example

The list of travel insurance disputes taken to the Australian Financial Complaints Authority (AFCA) reveals a battlefield of unread or misinterpreted terms and conditions. Between 1 July 2020 and 30 June 2021, AFCA received more than 2,000 travel insurance complaints related to COVID-19.

Not all travel insurance policies are the same, and the wrong policy can be almost as bad as none at all.

Peter* and his business partner had booked a business trip to South Korea and Japan from 21 February 2020 to 2 March 2020. On 20 February, Peter cancelled the trip on advice of his GP who said that due to the uncertainty of the extent of the COVID-19 outbreak, he should postpone the trip until it is safe to travel. Peter’s travel insurer denied his claim, saying the policy does not provide cover for cancellation due to medical advice. Peter made a complaint and AFCA ruled in his favour as COVID-19 had been publicly announced as an epidemic prior to Peter cancelling the trip and the doctor’s advice not to travel was prudent and reasonable. *To protect privacy we have changed names and some details

Checklist – Are you covered for COVID-19? Are your medical costs covered if you contract COVID-19? Are your extra expenses such as accommodation covered if you can’t travel or your stay gets extended because you or your travelling companion tests positive to COVID-19? What happens if you were going to stay with someone but they’ve contracted COVID-19? Or your accommodation or tour company gets closed down because of COVID-19? Are your additional expenses covered? If the Smartraveller alert level is raised to ‘Reconsider your need to travel’ or ‘Do not travel’ due to a COVID-19 outbreak at your destination after you took out travel insurance, are you covered if you cancel your trip? Are your cancellation costs covered if you can’t travel or can’t return on your booked flights because you or your travelling companion contracted COVID-19? Are you covered for cancellation costs if your business partner or a relative back home gets sick with COVID-19 and you need to return earlier than planned? If you’re planning to go on a cruise, be extra careful. Some travel insurers may not offer COVID-19 cover for multi-night cruises. Are you covered for claims caused by government travel bans, border closures, or mandatory quarantine or self-isolation requirements at your destination?

And what are the catches?

Cancellations, baggage and personal items, sports and activities.

This is the number one reason to buy international travel insurance. Look for the insurer’s benefits table, usually on the quotes screen online or near the front of their PDS, for a quick overview of what they’re offering. Most policies have an ‘unlimited’ sum insured.

Pre-existing conditions

Some insurers don’t cover pre-existing conditions at all. Some will only cover pre-existing conditions with an extra fee and sometimes a medical assessment. Some automatically cover pre-existing conditions listed in their PDS, although few will cover mental illnesses such as depression or anxiety.

Insurers exclude cover for certain pre-existing medical conditions and generally don’t provide cover for any illnesses or incidents that arise from these. This includes terminal illness or any illness that shortens your life expectancy as well as organ transplants.

Minor pre-existing medical conditions such as asthma, hypertension, diabetes, epilepsy, osteopenia and more are usually covered if:

the condition has been stable for more than 12 months

there is no planned surgery

you have not received treatment in the past 12 months.

Pre-existing condition spoiling your holiday plans? findaninsurer.com.au lists insurers that may provide cover for pre-existing conditions. Still having trouble finding cover? Enlist the help of an insurance broker.

Examples of conditions that usually need to be assessed before getting cover are coronary problems, lung disease, epilepsy, stroke or any surgeries in the last 2 years.

If in doubt, declare your condition to your insurer.

A disability shouldn’t prevent you from buying travel insurance, but it might make finding a good policy trickier and more expensive.

Is a disability a pre-existing condition?

It depends on the disability and the insurer. Many insurers will automatically cover travellers with limited mobility, cognitive impairments or vision/hearing impairments. But in some cases, this cover may come at an extra cost.

Check with the insurer, as some conditions will need to be assessed on a case-by-case basis.

Having trouble getting cover?

Under the Disability Discrimination Act, insurers must assess the actual risks, rather than make assumptions about disabilities. If you’re having trouble getting insurance, a letter from a medical professional might help, particularly if they can state that you’re not likely to need medical or hospital treatment while on your trip.

Cover for your equipment

If you’re travelling with a wheelchair, mobility aid or hearing aid, you’ll need to insure that as well. Check single item limits, which are usually between $750 and $1,000 per item. If you have a piece of medical equipment that exceeds this, you’ll need to specify it and insure it separately.

Many insurance policies exclude hearing aids, so check the fine print and take out extra insurance if necessary.

Cover for your carer

If you’re travelling with a carer, it’s a good idea to be on the same policy in case travel plans change for either of you – that way you’re both covered. If you have a paid carer, ask your insurer whether they’ll cover the cost of a replacement carer should yours be unable to travel.

Babymooning

If you’re travelling while pregnant, be sure to check the following.

• Are you covered for pregnancy complications? Some insurers don’t cover pregnancy at all.
• Up until which stage of pregnancy? Pregnancy complications are usually only covered up until a certain stage (often between 23 and 32 weeks, depending on the insurer).
• Childbirth: Not all insurers will cover childbirth. A premature birth in the US with intensive care and treatment could end up costing hundreds of thousands of dollars.
• IVF: Not all insurers will cover IVF pregnancies.
• Do you have to pay extra to be covered?
• Do you need medical approval to be covered?

Mental health

Many travel insurers won’t provide cover of any kind for hospitalisation, medication or missed travel caused by a mental health condition, whether that’s depression, anxiety or a psychotic episode.

Others will provide cover if you declare mental illness as a pre-existing condition and pay a higher premium. Check the PDS carefully; insurers may use different terms to describe the same mental health conditions, giving them wriggle room to deny a claim.

Insurers are highly unlikely to pay a mental health-related claim if they discover it was a pre-existing condition that you didn’t declare. The trouble is, an insurer might view a single visit to a therapist many years ago because of work stress, for example, as a pre-existing mental health condition.

Mental health and travel insurance have been a contentious issue for consumer rights groups including CHOICE – and it’s one that’s still evolving from a legal standpoint.

To find out if a travel insurance product includes mental health cover, check choice.com.au/travelinsurance , filtering for ‘mental illness related claims’. Then put the PDS under the microscope.

A woman in Victoria won a court case against her insurer after they declined her claim for the cancellation of an overseas trip due to depression. ‘We took out the travel insurance well in advance of the travel, and well before my depression. I was certainly under the impression that I was covered,’ she told CHOICE. ‘They just sent back a letter that said no.’ But her win (the Victorian Civil and Administrative Tribunal awarded her $4,292 for economic loss and a further $15,000 for non-economic loss) was an isolated ruling. It’s still being debated whether or not a general exclusion for mental health claims is legal.

Most policies have an age limit, ranging right up to the 100-year-old seasoned adventurer. There are quite a few catches for older travellers, though.

• Higher premiums: Insurers often charge older travellers more, and in some cases ‘older’ can be as young as 50. 
• Higher excess: Travellers as young as 60 but more commonly over 80 may be subject to a higher excess because of their age. The normal excess of around $100 to $200 is often increased to an excess of $2,000 to $3,000 for travellers 80 years and over for claims that relate to injury or illness.
• Restricted conditions: Subject to medical assessment’, ‘reduced medical cover limits’, ‘reduced travel time’, ‘policy to be purchased 6 months in advance’ – all of these conditions can apply to travellers over a certain age.

You’ll probably want to be covered if your travel plans are cancelled for any reason, but be aware that insurers will come up with plenty of excuses to avoid paying up.

• Terrorism: Most insurers cover medical expenses but very few cover cancellation expenses in the event of terrorism.
• Pandemic or epidemic: Commonly excluded.
• Military action: Commonly excluded.
• Natural disaster: Covered more often than not.
• Travel provider/agent insolvency: Commonly excluded.
• Cancellation due to travel provider’s fault: Insurers commonly exclude cover for delays or rescheduling caused by the transport provider.

John* and his partner’s scheduled train service was delayed, seriously diverted, then terminated, which meant they missed their flight home by several hours. Re-booking fees, emergency accommodation and related fees cost them between $1,000 and $1,500, but the insurer wouldn’t pay the claim as it wasn’t in the policy. *To protect privacy we have changed names and some details

‘Unforeseen’

When an insurer refers to cover for ‘unforeseen circumstances’, it means something that wasn’t publicised in the media or official government websites when you bought the policy. Check the Smartraveller travel advice when you buy your travel insurance. If it became known before you bought the policy, you’re not covered. So the earlier you buy travel insurance, the more likely you are to be covered for the unexpected.

Exclusions and inclusions

When the Australian Financial Complaints Authority (AFCA) looks at a complaint about an insurer, they expect you to prove the claim is covered by the policy, while the insurer must prove the claim is excluded by the policy. Specifically, AFCA expects you to ‘establish on the balance of probabilities that you suffered a loss caused by an event to which the policy responds’. That is, do you have a valid claim?

This means that you need to understand if your claim is covered under the listed events of the policy, or that it is not specifically excluded by the policy.

If, for example, you have cover for COVID-19, you aren’t covered for every event caused by the pandemic, but just by what is specifically stated in the PDS.

Margaret and Peter* booked a cruise departing from Darwin in March 2021. Shortly before departure, the Northern Territory Government issued a directive no longer allowing cruises to depart from the NT. Margaret and Peter’s cruise company arranged for the cruise to depart from Broome and flew the passengers to Broome for a cost of $300 per person. As Margaret had bought a policy that included some cover for COVID-19, she made a claim for $600. But this was denied by her travel insurer and her subsequent complaint to AFCA was unsuccessful. AFCA said, ‘The cause of the loss was a government directive to not permit the cruise to operate through the NT port. The insurer’s policy provides no cover for these circumstances. It also excludes losses arising from government intervention, prohibition or regulation.’ *To protect privacy we have changed names and some details

Travel insurance and Smartraveller advice Smartraveller, managed by the Department of Foreign Affairs and Trade (DFAT), assigns an overall advice level to more than 175 destinations. This advice level can affect your travel insurance cover. The advice levels are: Level 1  – Exercise normal safety precautions. COVERED. Level 2  – Exercise a high degree of caution. COVERED. Level 3  – Reconsider your need to travel. CHECK. Level 4  – Do not travel. USUALLY NOT COVERED. Travel warnings can work in your favour. If an insurer excludes cover for an event, they may still cover you to change your plans in response to updated advice from Smartraveller. But beware when travelling to a destination that has a ‘Do not travel’ warning. Most standard policies won’t cover you for ‘Do not travel’ destinations, including for COVID-19. A week after a volcanic eruption made world news, Sameer* booked a trip to Bali. He assumed the emergency would be over by the time he was due to fly a month later. Unfortunately, the volcano continued to erupt and Sameer’s flight was cancelled. His insurer declined his claim because he’d bought the flight and insurance after Smartraveller issued a travel alert about the volcanic eruption, and after it had been in the news. *To protect privacy we have changed names and some details

Delays can be expensive, particularly if you have to pay for alternative transport or accommodation. And those extra expenses won’t always be covered.

• Transport delay is only covered after a certain number of hours, usually 6, but you may have to wait as long as 12 hours before your cover kicks in.
• Cover limits for transport delays are typically lower than other cover limits and are often limited per 24-hour period.
• Insurers often exclude cover for rescheduling caused by the transport provider but some may cover additional accommodation and travel expenses in this scenario for travellers who are en route.

Baggage cover varies widely, with travel insurance policies ranging from $0 to $30,000. So, if you’re not carrying expensive items, you may be able to save on your premium by selecting a policy that provides lower coverage.

• Individual items are subject to sub-limits that range from around $250 to as much as $5,000.
• Higher item limits usually apply for electronic items like laptops, cameras, smartphones and tablets.
• You can pay extra to specify items you want extra cover for (insurers are always happy for you to pay extra).
• Valuables locked in a car or checked in on an airline, train or bus may not be covered.
• Generally, any items left unattended may be excluded from cover, so keep your belongings close.

Jing* sat down to try on a pair of shoes in a busy London shoe shop, placing her handbag next to her on the seat. When she stood up to leave, she discovered her bag was gone. Her insurer refused to pay up because she had left her bag unattended in a public place. *To protect privacy we have changed names and some details

Lost luggage

If an airline loses your luggage temporarily and doesn’t compensate you for that loss, you may be able to claim expenses for clothing, toiletries and other necessities, depending on your policy.

• Cover usually only applies to luggage lost for more than 12 hours, though the minimum time limit varies per insurer, as does the level of cover.
• If your policy has an excess (a fee that’s deductible from your payout), remember that this applies once per claimed event, and items below the excess level can’t be claimed.

Angelo and Diane* tried to claim $112 for meals and drinks when their connecting flight to Hawaii was delayed by 8 hours. Although their policy technically covered them for the cost, they were liable for an excess of $250, so their claim was denied. *To protect privacy we have changed names and some details

If you don’t feel like paying the ‘extra insurance’ the car hire company charges, then use the collision damage excess cover in your travel insurance.

Tip: Stick with recognised car rental companies in this case since this cover only applies if the car hire company already has its own comprehensive insurance.

Do you have the right licence?

Some countries require you to have an international driving permit. If you have an accident while driving on the wrong licence (or breaking that country’s law in any other way), you may not be covered.

Cruise-specific insurance

Cruises aren’t automatically included in all travel insurance policies. If you’re going on a cruise, make sure you have the right cover.

The Department of Health says: ‘Cruise ships carry a higher risk for spreading disease compared to other non-essential activities and transport modes. COVID-19, influenza and other infectious diseases such as gastroenteritis spread easily between people living and socialising in close quarters.’

Check travel insurance policies to make sure medical cover for COVID-19 is included, as some policies exclude this cover. Erica* stumbled and broke her femur during stormy seas while on a cruise. Her insurer covered the cost of evacuation and a partial hip replacement at a hospital in Noumea. They also organised and paid for her son to fly to Noumea to help her recover and return home to Australia. Five months later, the well-travelled 82-year-old was boarding a plane to Croatia for her next (fully insured) adventure. *To protect privacy we have changed names and some details

Not leaving Australian waters?

You still need insurance. Doctors working on cruise ships don’t need Medicare provider numbers, so if they treat you, you can’t claim on Medicare or your private health insurance, even if you’re still in Australian waters.

Domestic travel insurance doesn’t cover medical costs, so you need either international travel insurance (check that it covers domestic cruises) or a domestic cruise policy.

Kerry* thought she’d done the right thing buying an annual multi-trip international travel insurance policy for a number of upcoming holidays, one of which was a round-trip cruise departing from and returning to Fremantle, Western Australia, with no port stops. When she had to cancel due to ill health, she discovered her policy wouldn’t cover her because the trip wasn’t considered an international one. *To protect privacy we have changed names and some details

When CHOICE compares travel insurers, we look at who covers which sports and adventure activities, such as skiing, ballooning, bungee jumping and scuba diving, to name a few.

But as always with insurance, the PDS may include some surprises. For example, several insurers we’ve reviewed will cover canyoning but they won’t cover abseiling, often a necessity in canyoning. Other policies in our comparison will cover abseiling, but not into a canyon.

If you’re planning on doing anything adventurous, check to make sure you’re covered. It’s not enough to simply look for the tick next to your chosen activity – you also need to check the definitions in the PDS.

Motorcycles and mopeds

Hiring a motorcycle or moped? Depending on which country you’re in, you might need a local or international motorcycle licence. You probably won’t be covered if you aren’t obeying the local law. And even if you are doing the right thing under local law, some policies still won’t cover you unless you have a motorcycle licence.

Are you wearing a helmet? Most countries say you need one by law, but that doesn’t mean it will be included in your hire. No helmet means no cover (in more ways than one).

Nhung* was injured after she rented a moped in Thailand only to find out the engine size was not covered by her insurance policy. Most insurers adopt the national standard for the definition of a moped – an engine capacity under 50cc. If the engine is bigger than that, it’s a motorcycle and you’ll need an Australian motorcycle licence. *To protect privacy we have changed names and some details

Skiing and snowboarding

Some insurers cover skiing, often for an extra premium, but not so many cover skiing off-piste (away from the groomed runs). So, if you’re tempted to slide off the beaten path next time you hit the slopes, make sure you have a policy that covers off-piste ski runs (or pay for the optional extra cover).

Otherwise, if you run into a tree and have to be evacuated from the mountains, you may need to  think about selling your home to pay for it.

It’s worth remembering that travel insurance only covers overseas costs. So if you break a leg while you’re abroad, your insurer will likely pay your hospital fees, but they won’t cover your ongoing physiotherapy once you’re back home.

Marianna* fractured her leg in 3 places while skiing with her partner and children in Japan. Because the family had bought additional cover for winter sports, they were reimbursed $35,466 for medical expenses, additional transport and accommodation, the cost of a nanny to look after the children, and business class flights back to Australia. *To protect privacy we have changed names and some details

Alcohol and drugs

Overdoing it on vodka and float-tubing down a river isn’t likely to be covered by any policy. Insurers simply won’t pay for costs arising from you being under the influence of alcohol or drugs (except where taken under the advice of a doctor).

Even one or 2 drinks could be enough of an excuse for insurers to get out of paying.

Relatives can be relative Many policies cover the costs to travel home if one of your relatives dies or becomes sick. Bear in mind: an insurer’s definition of a ‘relative’ may differ from yours cover is usually dependent on the age of that relative, so the death of your 84-year-old grandma may not be covered your relatives are subject to the same pre-existing condition exclusions as you, so if your 84-year-old grandma died from a known heart condition, you may not be covered. you may be able to apply for your relative’s pre-existing condition to be assessed before you buy the policy. cover is limited to relatives that live in Australia, or in some cases New Zealand. So if your 84-year-old grandma is in China, you won’t be covered to fly there for her funeral. Amanda* and her husband had booked an overseas diving trip, but shortly before the trip Amanda’s mum passed away from pneumonia. They cancelled their trip and incurred cancellation costs and lost deposits of nearly $13,000. As the death of a parent was covered in their policy, Amanda made a claim. Their insurer denied the claim as Amanda’s mum lived in the United States and was undergoing treatment for lung cancer, so the insurer concluded that her death was caused by a pre-existing condition. *To protect privacy we have changed names and some details

So you’ve booked and paid for your holiday through a travel agent, but then the travel agent goes broke. You’ll get your money back, right? Not necessarily.

Only a few insurers will cover you for the insolvency of a travel provider, and that includes hotels, airlines and other transport companies that might go broke overnight (remember Ansett?). But there are a few ways to safeguard your hard-earned holiday.

• Check whether your insurer covers you for insolvency.
• Check whether your travel agent has insolvency insurance (this isn’t compulsory, so only some will have it).
• Pay with your credit card. Some banks allow a chargeback if you pay for something on your credit card and don’t end up actually getting it.

Tip: Don’t accept any dodgy contract terms that require you to give up your chargeback rights.

2 out of 3 travellers assume their travel insurance will cover insolvency, but in 2017 less than a third of insurers actually provided this cover.

Credit card travel insurance

Some credit cards come with complimentary travel insurance. They’ll cover you for all the usual things like medical emergencies, cancellation and protection for baggage and items. But they do differ from standalone policies, so it’s essential you check the fine print.

• Fees: You’ll pay a premium for these credit cards, usually between $100 and $450 per year.
• Excess: The excess on credit card policies tends to be fixed at a higher rate (usually around $250), whereas it’s more variable on standalone policies.
• Age limits: Some credit card policies have no age limit, which can be handy for older travellers.
• Regions: Credit card travel insurance is not based on location, which means you can travel from Europe to the US without having to worry if your policy covers both areas. Bear in mind though that some regions (such as countries under United Nations embargo) may be excluded, and sometimes with US underwriters, travel to Cuba is excluded.
• Baggage cover: Credit card insurance often offers higher coverage for baggage loss and damage.
• Trip duration: Credit card insurance policies vary in how many days of coverage they’ll give you per trip – anywhere from a few weeks to 365 days – so check your limit if you’re going on a long holiday.
• Pre-existing conditions: Chances are your credit card insurance won’t automatically cover your pre-existing condition. You’ll need to call your insurer and see if you need to pay an extra fee or premium.
• Domestic travel: Credit card insurance doesn’t apply to domestic travel, although some cards will reimburse expenses associated with domestic flight delays and missed connections to international flights.
• Making a claim: You may not be able to claim reimbursement unless you pay for purchases (such as emergency items after a baggage delay) with the same credit card.

27% of travellers who plan to buy travel insurance will get it through their credit card.

Is it activated?

Credit card insurance usually activates when you buy your air tickets (or sometimes other transport or accommodation expenses) using your card.

• Policies require a minimum spend to activate – usually around $500. So if you scored your tickets on sale for $499, you won’t be covered.
• If you want cover for your spouse or dependants, you must also buy their tickets on your card.
• Some policies only activate if you book a return ticket. A one-way flight, or even 2 one-way flights, will leave you uninsured.
• Some banks require you to notify them in order to get full coverage for each trip. While base coverage will still give you emergency medical treatment, you might not get coverage for property damage or luggage delays. Check whether you need to do anything to activate any extra features.
• Some cards will cover you if you use rewards points to buy your tickets. Others won’t.

Is it worth it?

If you already have a credit card and use it regularly, the free comprehensive travel insurance on your card can save you money. And if you’re a regular traveller without a credit card, it’s worth considering if you travel at least once a year or every second year internationally.

David* booked a trip to North America for himself and his family, including his 11-year-old daughter Petra. The trip was cancelled because Petra got pneumonia. Unfortunately, David only activated his credit card travel insurance about an hour before the family was scheduled to fly out of Australia. The travel insurer denied his claim for cancellation costs because he knew about his daughter’s illness when he activated the policy. *To protect privacy we have changed names and some details

Have you been knocked back on an insurance claim and want to dispute it?

Internal dispute resolution

Complain to the insurer first. They’ll usually keep you up to date about the progress of your complaint every 10 business days.

Once you’ve lodged your case and all the supporting information and documents, the insurer has 45 days to complete its internal dispute resolution process.

External dispute resolution

If you aren’t happy with the insurer’s decision, you can take your complaint to the Australian Financial Complaint Authority (AFCA). They’ll handle your case for free.

• The AFCA will mediate between you and the insurer to find a resolution.
• If mediation is unsuccessful, they may make a preliminary assessment or give a determination straight away on your dispute.
• A determination is legally binding on the insurer but not on you.
• There’s no appeal process with AFCA.
• For more information, visit afca.org.au .

Legal action

If you’re unhappy with the AFCA determination, you might want to consider taking legal action against the insurance company.

Keep your travel insurance details with you at all times while on your trip and share them with family or friends before you leave.

Related content

No matter who you are, where you're going and what you're doing, get travel insurance. Learn how to choose a policy that's right for you.

This page provides mature travellers with information to prepare for a hassle-free journey. Properly preparing before you travel will help you have a safe trip.

Browse our general advice pages on a range of travel topics, to learn what you need to know before you go.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

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Looking for the best travel insurance plan for your holiday?

Whatever your travel budget, style or needs, let's travel the world together - safely.

International Basic

Essential cover designed for Australian travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $25,000 luggage cover*

Business trip benefits

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Searching for COVID-19 cover?

To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if one of our Motorcycle/Moped Riding Cover options is right for your trip.

We're by your side when you need us most

We've been protecting Australian travellers for over 35 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boat crash in Thailand

Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Accidental fall in Poland

Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

7 ways COVID-19 has changed the way we travel

Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without reading our expert advice.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: the higher the excess the lower the cost.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Product Disclosure Statement  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Product Disclosure Statement  .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

Buildings & Contents

Caravan & trailer, contents for renters.

Subscribe to our COTA Connects newsletter & receive the COTA Insurance travel packing list

Travel insurance.

Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the  travel alerts  and check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.

Travel – Comprehensive Overseas and Annual Multi Trip Plan

Standard inclusions, provide cover for....

Medical Expenses

Medical, hospital and ambulance costs incurred overseas following a sudden illness or serious injury. Emergency dental – expenses required to relieve sudden and acute pain to healthy, natural teeth following an infection or broken tooth. Sub-limits apply.

Medical evacuation

When agreed by us, medical evacuation to the nearest appropriate medical facility or repatriation home.

Extra Trip Costs

Additional expenses you incur following the death, sudden illness or serious injury of you or a member of your travelling party or where your travel is disrupted or delayed due to severe weather or accident.

Cancellation

Unforeseen cancellation of prepaid travel and accommodation arrangements.

Emergency Assistance

24 hr help with medical problems, locating medical facilities, embassies and communication home.

Loss of Income

Payment if you cannot return to your usual full-time permanent employment or full-time business following your accidental injury.

In-Hospital Allowance

A $50 per day allowance for incidental expenses such as television hire, magazines, food, when you are hospitalised overseas for more than 48 continuous hours.

Room Service Supplement

A $50 per day allowance for meals delivered to your overseas hotel room or cruise cabin if you’re confined for more than 48 hours for medical reasons.

Travel Delay

Meal and accommodation expenses due to lengthy delay of your scheduled transport. Sub limits apply.

Resumption of Trip

Transport costs to resume your travel if you had to return home early due to the hospitalisation or death of a close relative.

Special Events

If your trip is interrupted and you are unable to arrive at a one-off performance or function, tour or cruise on time we will reimburse you for using equivalent transport to arrive on time.

Accidental Death

A benefit that is payable to your estate if you die within 12 months of an injury that occurred during your trip.

Total Permanent Disability

Cover if you suffer an injury resulting in your permanent total loss of sight in one or both eyes or the permanent total loss of use of one or more limbs (excluding dependants).

Personal Liability

Injury to other people or damage to their property.

Extra benefits as standard:

Personal Effects

Loss or damage caused by theft, accidental damage or permanent loss of your possessions.

Luggage Cover

Theft, accidental damage or permanent loss or if your luggage is delayed.

Rental Vehicle Insurance Excess

Cover for the rental vehicle insurance excess you are required to pay.

Loss of Passport

Documentation fees you incur overseas for a replacement passport.

Optional extras

Extend your cover to include....

Specified Medical Conditions

Cover for certain illnesses/injuries you already have.

New for Old Luggage Cover

Increased cover for nominated individual items

Participating In Snow Sports

Cover for lift passes, equipment hire and ski school costs if sick or injured.

Travel – Essentials Plan

Optional extras, travel insurance – australian travel plan, provides cover for:, extend your cover to include:.

Specified Items

You can pay an extra premium to increase your cover to up to $4,000 per individual nominated item ($10,000 for all nominated items).

Read the Product Disclosure Statements

Read the  Target Market Determination

Why choose COTA Travel Insurance

Excess options available on some plans, no age limit on the annual multi trip, comprehensive, australian travel, or cancellation and additional expenses plans, easy and friendly phone or online application, simple, over the phone, medical assessment, 24/7 emergency assistance anywhere in the world, choose from a domestic, overseas or multi trip (domestic & overseas) policy, dependant children and grandchildren can be covered at no extra cost, except for certain specified medical conditions.

Wherever you are in the world, if you have an emergency, call for Emergency Assistance 24 hours a day on Phone: +61 2 9234 3170 or +61 2 8256 1570 or within Australia 1300 555 019. You can even call reverse charges via the local operator and we will pick up the call cost. Not a worry in the world!

Need to make a Claim?

Click  here  for details on how to lodge a travel insurance claim.

Download a copy of our free travel packing list today!

*Plans with option to change excess are Comprehensive, Essentials and Annual Multi Trip Plans. An additional excess applies to claims related to specified medical conditions, which cannot be removed.

What are COTA Insurance’s emergency contact details?

If you have an emergency, you can call for emergency assistance at any time. Just dial either of the following two numbers 24 hours a day and nib International Assistance will help:

+61 3 8523 2800 or 1300 555 019 within Australia.

We even accept reverse call charges via the local operator, so you don’t have to worry.

Can I get a refund on my travel insurance if I return earlier than planned?

If you return to your home in Australia before the trip return date shown on your Certificate of Insurance, that’s when your cover ends. If you resume travelling, you must buy a new policy. No refund will be available for any unused days on the original policy.

Do you have a cooling-off period for my travel insurance policy?

If you aren’t satisfied with your policy purchase for any reason, you have a 21 day cooling-off period. This means you can cancel your policy within the first 21 days of purchase and receive a full refund, provided you haven’t started your journey and you’re not making any claims nor exercising any other right under the policy.

If you request to cancel outside the cooling-off period, we may, at our discretion, refund that part of your premium paid for the unused period of insurance.

When does my travel insurance cover start?

If you pay for your travel insurance online or over the phone by credit card before you depart on your trip, we’ll send you an immediate confirmation and Certificate of Insurance so you’re covered straight away. If you buy your policy after you have started travelling, policies are subject to a 72 hour waiting period.

Testimonials

Ms jones , unley.

I have a severe hearing disability and Paul handled this very well by being patient, articulate and unhurried. It was a positive experience for me.

I was recommended to your company by a friend and I wouldn’t use anyone else now. From the first contact, from my Greek hospital bed, I felt that you cared and were looking out for me. I got all the paperwork to you and you paid out the claim within a week.

Ms Badman ,

Very fast and helpful service! I got exactly what I needed and the staff were very friendly.

Have I Been Hacked?

Posted: September 4, 2019

Malnutrition in Ageing

Being a Carer – When You Can no Longer Provide Care for Your Loved One.

Receive a 10%* discount on travel insurance policies with a National Seniors Australia membership

Become a member today and discover a host of savings and benefits. T&Cs apply.

Travel Insurance

That's all about you.

With no age limits on most plans² and existing medical conditions automatically covered, you can relax and enjoy your trip.

Discover the National Seniors difference

Save 10% on travel insurance*.

National Seniors members receive a 10% discount on travel insurance policies*

Speak to a real person

Call 1300 50 50 99 to speak to a real person who understands you

Plans to suit your trip

Frequent traveller? Save time and money with our Annual Multi Trip Plan or explore our single trip plans.

Supporting older Australians

The profits from the sale of your policy helps fund our advocacy work and improve outcomes for older Australians.

Cruise with confidence

Some cruise cover is automatically included

Some cruise cover is automatically included in National Seniors Travel Insurance plans, whether it be an international or domestic trip.

Relax and know you're covered

Existing medical conditions.

We can provide automatic cover for over 40 existing medical conditions, provided all the criteria for that condition are met.

No age limits²

With no age limits on most plans, you'll never know when you might benefit from travel insurance.

Cancellation Costs

You can choose to be covered for trip cancellation up to a limit that best suits your plans.

Luggage & Personal Effects

We offer cover for accidental damage, theft or permanent loss of your luggage and personal effects.

Coronavirus

Cover for some coronavirus related events is available on all our international plans and our Australian Travel Plan.

Prefer to speak to a real person?

Call our friendly and experienced customer care team (monday to friday 8:30am to 6pm aest), what our customers have to say.

Lobo, 77 - VIC Travel Insurance Customer

Sinead provided excellent assistance in arranging my insurance cover for my travel next year. She had good product knowledge, very good interpersonal skills and always delivered what she promised within agreed timeframes. From a customer's perspective, personnel such as Sinead are great to deal with and should be valued and retained.

Carolyn, 78 - SA Travel Insurance customer

I was very impressed by the friendly efficient service I received from Sinead. She answered my many questions with patience and understanding. I got all the clear answers I needed to enable me to confidently decide to take out National Seniors Travel Insurance.

Harry, 71 - QLD Caravan Insurance customer

Jeremy was the most helpful person I have ever spoken to. Thank you so much Jeremy, I wish there were more caring and experienced people like you.

Angus, 79 - QLD Travel Insurance customer

What a pleasure it has been to enquire about travel insurance with Sinead. She was so professional and helpful at all times. She was a pleasure to talk with and answered every question I had regarding travel insurance and above all returned my phone calls quickly with any questions she wasn't sure of. National Seniors Insurance are blessed to have such a delightful, helpful person working for them and I would recommend Sinead to any of my friends for travel insurance.

Mandy, 73 - QLD Travel Insurance customer

I would like to say that Sinead was extremely helpful and knowledgeable in quoting for insurance for a couple of policies we were getting for comparison for. She is very friendly, easy to talk to and makes you feel like a friend rather than just another customer, which I like. I would recommend anyone to contact her for their insurance quotes.

Product Disclosure Statement

For information on what is covered and what is not covered, please refer to the Combined Financial Services Guide and Product Disclosure Statement.

How your policy helps older Australians

National Seniors Insurance is part of National Seniors Australia, a leading not-for-profit advocacy organisation giving older people a strong national voice. Our evidence-based advocacy tackles issues such as age discrimination, the Age Pension, cost of living, health costs, and more. Modest profits from the sale of your policy help us create real change and a better future for all older Australians.

Save on Travel Insurance

Join National Seniors Australia today and receive a 10% discount on Travel Insurance policies*

National Seniors Australia members have access to a range of discounts, benefits and services to suit your stage of life. As a member, save with discounts, connect with like-minded members through our branches, receive our member magazine Our Generation, and access our Financial Information Consultant. For only $49.50, anyone can become a member and it only takes minutes to join. *The discount applies to the total National Seniors Travel Insurance premium and is for National Seniors Australia members only. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.

How to make a claim

Online, anytime

Download a travel insurance claim form online and submit your travel insurance claim via post or email. Once it is lodged, a friendly claims consultant will contact you as soon as possible. Alternatively, make a claim online.

Need help with your claim?

Call the claims hotline on 1300 62 52 29 (within Australia) or +61 2 8263 0487 (from overseas) and a consultant will help you. Alternatively, you can also contact us via email.

Emergency assistance 24/7

Affected by an emergency? Access emergency assistance 24/7.

Feedback and complaints

If you have any feedback about our service – positive or negative – we would like you to share it with us.

Receive our FREE newsletter

Keep updated on national seniors australia's advocacy campaigns, news, health and more., covid-19 faqs, travel alert.

Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel advice and check for restrictions at your destination(s) as these may impact cover, or your ability to travel. See our travel insurance alerts for more information.

Is any coronavirus cover available on travel insurance plans and what are the benefits?

Cover for some coronavirus related events is available on all nib’s travel insurance plans (excl. Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary. As much as we’d love to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) for Australian residents for the full terms, conditions, limits and exclusions so that you know what is, and isn’t, covered. Overseas Medical Benefit: If you contract coronavirus while on your trip, all of nib’s International travel insurance plans can offer cover for overseas medical expenses. Medical evacuation and repatriation: All nib travel insurance plans include cover for medical evacuation and repatriation if we decide it’s medically necessary, up to the relevant benefit limit.³ Coronavirus Travel Costs: nib’s Coronavirus Travel Costs benefit is available on the Comprehensive Travel Plan, Australian Travel plan and Annual Multi Trip Plan and can provide cover for several coronavirus related events. It includes cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus.

What do I do if I get Coronavirus (COVID-19) before my trip?

Isolate! And seek appropriate medical attention. Don’t delay the cancellation of your plans. If you know you need to cancel, contact your providers as soon as possible to maximise the opportunity of refunds from your providers. Depending on the plan you have chosen, you may be able to make a claim for non-refundable travel costs under the Coronavirus Travel Costs section of the plan up to the benefit limit.

What do I do if I get Coronavirus (COVID-19) on my trip?

Contact nib Emergency Assistance. Utilising a global network of medical providers, the team will connect you with local medical facilities. They can also assist by getting in contact with friends and family where needed. Always keep receipts for any payments you make and wherever possible, request written reports from providers or local authorities. Follow travel and health advice – different countries have different rules. What’s ok in Australia may not be ok in the countries you visit. Our International plans include emergency overseas medical cover if you contract coronavirus while travelling.³

If I need medical treatment overseas, will you only pay up to the Coronavirus Travel benefit limit?

Rest assured that if you incur medical expenses overseas for an event covered under the policy, including if you contract Coronavirus (COVID-19) and it’s not related to an ‘existing medical condition’ (as defined in the PDS), then coverage is offered up to the Medical benefit limit.³ Just make sure you contact nib Emergency Assistance so they can help. The Coronavirus Travel Costs benefit (for other non-medical coronavirus related events, where included on the plan you have selected) is separate to the benefit limit available for medical expenses Incurred Overseas.

Need to make a claim?

Sorry to hear your trip didn’t go as planned. At least making a claim is a simple process.

Latest travel stories

What should I look out for with travel insurance for my cruise?

Setting sail soon on a cruise? Here’s how to make sure you’re covered when choosing your travel insurance plan.

Get smart before you travel abroad

If you're soon embarking on an overseas trip, here's what you need to do before you go to stay protected and safe abroad.

National Seniors Travel

National Seniors Travel is a dedicated service of National Seniors Australia. Our not-for-profit status ensures we can offer the best value for National Seniors members. As a National Seniors member, receive special pricing on our curated holiday packages, cruises, tours for solo travellers and groups in all your favourite destinations and receive 24/7 assistance while travelling. Speak to a widely-travelled travel consultant for personalised assistance.

Travel benefits for members

Special Pricing

National Seniors members receive special pricing and discounts on tours, cruises, and hotels.

Solo or Group Tours

Discover our curated holiday packages for solo travellers and groups.

Expert Advice

Speak to a widely-travelled consultant for expert advice and exceptional customer service.

24/7 Assistance

Receive 24/7 assistance while travelling.

Some of the benefits of membership

Save with over 1,000 discounts on groceries, fuel, accommodation, fitness, health care, motor services, books, theme parks, appliances, cinemas, gift cards and more!

Our Generation magazine

Members receive a yearly subscription to Our Generation digital magazine!

Expand your social circle, enjoy social events, day-trips, guest speakers and meet like-minded members.

Financial Information Consultant

Members can speak to a real person to receive up-to-date information on retirement planning, estate planning, Centrelink benefits, investment choices, Aged Care, superannuation, and more!

Competitions

Enter and win newly released books, DVDs, CDs, and movie and event tickets with access to exclusive member-only competitions.

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Keep updated on technology, advocacy, lifestyle, travel and health news.

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National Seniors Australia Ltd ABN 89 050 523 003, AR 282736 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS) , Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

*The discount applies to the total National Seniors travel insurance premium and is for National Seniors Australia members only. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount. 

2. Coverage is subject to the terms and conditions, limitations and exclusions for each product as contained in the Domestic Product Disclosure Statement or International Product Disclosure Statement .

3. For up to 12 months after the illness first appears or injury first occurs.

We've got your back

With National Seniors, you're voice is valued. Discover how we campaign for change on your behalf and explore other member benefits.

If you've been impacted by the recent weather, we're here to help. Find out more or call us on 13 50 50 .

Car Insurance

Apia's quality Car Insurance options are designed to provide cover for a range of insured events like storms, theft and accidents.

Choose from our cover options to suit your needs.

Get a quote for

Apia Insurance is the proud winner of Canstar's Most Satisfied Customers - Seniors Insurance Award 2023

Comprehensive Car Insurance

Save 10% First Year Online Discount*

Apia's Comprehensive Car Insurance helps protect your car against accidental loss or damage including theft, loss, fire, storms and malicious damage.

• Up to $1,500 for After Claim Expenses when your car is stolen or damaged in an incident
• Up to $20 million Legal liability for damage caused by your car
• Lifetime guarantee on repair work authorised by us
• Apia Drive Less Pay Less® discount if you travel under 20,000km per year*

Optional Covers

Depending on the level of cover you want, you can include;

Limits, exclusions and conditions apply, please refer to the PDS for full details.

Third Party Property Damage Insurance

Third Party Property Insurance protects you for legal liability up to $20 million. You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

Fire, Theft & Third Party Property Damage Insurance

Fire, Theft & Third Party Insurance provides you with Third Party Insurance cover up to $20 million legal liability, as well as cover for your own car in the case of fire, theft or attempted theft.

You'll also be covered up to $5,000 for damage to your car by an at fault uninsured driver if you can provide us the name and address of the person at fault and the registration number of the at fault vehicle.

SUBMITTING YOUR CLAIM

Easy Claims Process

Lodge a claim 24/7

Lodge your claim and receive a claim number instantly. Repairs may also be booked instantly in some cases.

 Assessment

We'll assist you in arranging the assessment and repair process for your vehicle.

Track your claim

Track the progress of your claim online at any time. 

Finalise your claim

We'll let you know once your car is ready to collect or settle your claim (as applicable).

Claim online now

For more information on how we manage your claim, please read the PDS .

Car Insurance Faqs

Apia offers a range of Car Insurance options, so you can find the policy that best suits your needs. Choose from:

• Comprehensive cover
• Fire, Theft & Third Party Property Damage cover
• Third Party Property Damage cover
• NSW CTP Green Slip Insurance, and
• Motor Accident Injuries (MAI) Car Insurance (ACT only).

Find out more.

You can pay for your insurance online using your American Express, MasterCard or Visa Card or by direct debit from your bank account. We have a range of payment options to suit your needs.

You can make a secure credit card payment using our automated credit card payment system by calling 1300 064 781 .

Your Payment Reference number appears in the Payment Slip section of your notice.

You can use the Automated Payment Phone line to pay for all your Insurance Products excluding Health, Funeral, CTP and MAI Insurance policies.

You can pay using Visa, American Express and Mastercard.

Apia Online Services is the place to go to update or manage your Apia Car Insurance policy.

Apia Online Services video tutorials explain how to get the most out of your account.

A PDS (Policy Statement Disclosure) is a document that provides comprehensive information about an insurance policy. If you’re considering taking out a policy with Apia, or you’re an existing customer and want to find out more about your cover, it’s important that you refer to the relevant PDS.

You can find all of Apia’s policy documents here .

What our Car Insurance customers are saying

* If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.​

Multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid Apia general insurance policies. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name on each eligible policy. If you take out a new policy and then qualify for the MPD, you are eligible to receive the discount on that new policy immediately and on your other existing eligible policies from their next renewal date, provided you still qualify. If you become eligible for the MPD around the time your other policies are due for renewal, the MPD may not have been applied to the renewing policies because the renewals were generated before you were eligible for MPD. Please contact us if you believe you are eligible for the MPD on your renewal but it is not shown on your certificate of insurance.  See full terms and conditions .

Eligible policies that qualify for the MPD are Apia: home, contents, landlord, car, motorcycle, boat, caravan and motorhome insurance. To find out more about the multi-policy discount please phone us on 13 50 50 .​

MPD does not apply to optional covers Personal valuables – unspecified items, Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover or Apia Roadside Assist. ​

Drive Less Pay Less discount does not apply to optional covers Apia Roadside Assist and Windscreen and window glass cover.

• Get a quote

Third Party Fire & Theft Insurance

NSW CTP Green Slip Insurance

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Cookie and Data Policy We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy . This policy provides information about how Apia collects and uses data related to your online activity, and how you can choose to remain anonymous.

AAI Limited Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Motorcycle, Caravan, Motorhome, Boat, Travel, Compulsory Third Party Personal Injury (CTP) Insurance and Motor Accident Injuries Insurance (MAI Insurance). Registered Office: Level 23, 80 Ann Street, Brisbane QLD 4000.

Any advice provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs, consider whether it is appropriate for you before acting on it. Read the Product Disclosure Statement (and any related documents) before making a decision about general insurance. The Target Market Determination is also available

Health Insurance Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

Life Products Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL is not part of the Suncorp Group. TAL Life uses the Apia brand under licence from the Suncorp Group. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.

Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant  Product Disclosure Statement . The  Target Market Determination (TMD) for the product is also available.

TAL Life is proud to have adopted the  Life Insurance Code of Practice (Code) . The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.

This content is current for Home and Contents, Home and Contents Extra, Village Style Residence, Apartment Style Residence, Assisted Living Residence, Landlord, Car Advantage, Motorcycle, Caravan, Motorhome and Boat Insurance policies commenced or renewed on or after 23 March 2021.

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

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Travel Insurance For Indonesia: Everything You Need To Know

Updated: Apr 4, 2024, 12:32pm

Table of Contents

Travel insurance for indonesia, what does travel insurance for indonesia cover, does travel for indonesia cover all emergencies, will an insurer cover me if i have a medical condition, cost of travel insurance for indonesia, how do i compare travel insurance for indonesia, frequently asked questions (faqs).

While Indonesia may be most famous for its tourist hub, Bali , the archipelago, as a whole, has grown in popularity in recent months. The Australian Bureau of Statistics (ABS) reported Indonesia replacing New Zealand as the top destination for short-term trips overseas by Australians last year—the first time since the Bureau started collecting travel records nearly 50 years ago.

Roughly 1.37 million Australians visited Indonesia in 2023. While some 86% took a holiday there, 7% visited friends or relatives. Whatever your reason for visiting the country, you’ll want to make sure you’re safeguarded against common mishaps that can arise while away, and even in the lead up to your holiday. Travel insurance for Indonesia can provide this protection, paying out should you fall ill or get injured and need treatment during your stay, if you lose your baggage or belongings or need to cancel your trip. Find out exactly how travel insurance for Indonesia works, what it covers and does not cover below.

If you’re sticking solely to Bali and its associated islands, then you can read more in our guide to travel insurance for the island of the gods.

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If you’re planning to visit Indonesia, you’ll need travel insurance specifically for the destination. There are three main types to choose from:

• Single trip: for a one-off trip in the space of 12 months to Indonesia
• Annual multi-trip: for more than one trip in the space of 12 months to Indonesia or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker: for an extended stay in Indonesia, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

Depending on the insurer, and the type of policy you choose, you may have the option to take out cover for Indonesia alone, Asia or worldwide destinations. Note that insurers usually offer worldwide policies that include the US and destinations such as Canada, Greenland Mexico and the Caribbean, and worldwide policies that exclude them, depending on where you’re going, as medical costs are extremely high in this part of the world.

A good travel insurance policy will cover emergency medical costs should you fall ill or injure yourself while away. This may also extend to medical rescue, and repatriation costs, for severe cases where you need transporting to a hospital or back to Australia.

Cover for personal liability should you injure someone or damage another person’s property, and trip cancellation for reasons such as falling ill before the trip or suffering a bereavement should also be included as standard. You should also be able to claim for loss or theft of your luggage and belongings. Note that there’s typically a total limit on the amount you can claim for your possessions, as well as an individual limit for each type of item.

A policy may additionally include a number of other forms of cover, such as:

• Personal money: the amount that can be claimed if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes permanent disability or death

Insurers usually offer basic policies with few benefits and low cover levels and comprehensive policies that provide their widest range of cover and higher cover levels. They may also have one or more mid-level policies for anything in between.

Shopping around will allow you to find the best policy to suit your needs and budget. For help with finding a comprehensive policy, we’ve conducted in-depth research to find what we believe are the top 10 available .

It may be impossible for travel insurance for Indonesia to cover everything that can go wrong with a holiday, but it can cover a wide range of common scenarios, particularly if you opt for comprehensive cover. A policy’s product disclosure statement (PDS) sets out the specifics of what it does and does not cover. You should be able to access this on the insurer’s website, and read it before making a decision on whether it’s right for you.

Bear in mind that most insurers won’t cover a holiday where you’ve travelled to parts of Indonesia that the government’s Smartraveller website has on its “do not travel” list. To avoid this type of problem, it’s best to check the website for updates on Indonesia before purchasing a policy, and before departure. Smarttraveller will also advise if you should travel with caution, warning of risks, such as acts of terrorism, civil and political unrest and natural disasters.

Insurers will also likely reject claims resulting from intoxication from alcohol or drugs, and disorderly behaviour. If you’ve partaken in any sports and activities while away, it’s likely an insurer will only accept related injury claims if you wore the appropriate safety gear, such as a helmet, or harness.

Having a medical condition won’t necessarily hinder your chances of finding suitable cover for Indonesia, but you may find you’ll have to shop around a little more.

Only some insurers provide cover for what they term “pre-existing medical conditions”. These are conditions that you had before taking out the policy. Those that do provide this type of cover usually raise their premiums to do so, owing to the heightened risk that you’ll make a medical-related claim while away. The policy premium—the price of the policy—will often rise with the severity of a condition. This means cover for a heart condition will be more expensive than for diabetes, for example.

When running quotes on the sites of insurers that provide pre-existing medical cover, you’ll be taken to a medical screening section of the application. Make sure to state what conditions you have and answer the questions about them. This ranges from whether, and how often you take medication, to when you last saw a practitioner concerning your condition. If you later make a claim relating to a condition that you did not declare or detailed inaccurately, an insurer could refuse it.

Insurers refer to a number of factors when calculating how much you must pay for cover. This includes the number of people travelling, and the holiday destination and duration.

More mature travellers and those with pre-existing conditions will likely be charged more than younger travellers and those without conditions, as insurers deem them as high-risk travellers that will likely need to claim while away.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in Indonesia, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $241, while comprehensive cover started at around $226, with the most expensive policy costing just under $324.

Running quotes on travel insurer websites will allow you to make side-by-side comparisons of their policies based on the types of cover they offer, the various cover levels and prices. Looking through the offerings of a number of insurers can help with finding a deal on the cover you need.

When running a quote you will need to enter details about yourself, anyone else travelling with you and your trip. This includes your name, the age of all travellers, your holiday destination and duration. If pre-existing cover is available, you will also be taken through a medical screening, so the insurer can build a medical profile on each traveller.

Is travel insurance mandatory for Indonesia?

Travel insurance is not a legal requirement for travelling to Indonesia. However, it is recommended by Smartraveller, which advises taking out a comprehensive policy that covers all emergency medical costs, including emergency treatment and medical evacuation. Without it, you could be faced with bills for thousands of dollars, which the Australian government will not pay.

What is required to enter Indonesia from Australia?

Australians visiting or transiting through Indonesia should apply for an e-Visa on arrival , at least 48 hours before travelling. You can alternatively get a Visa on Arrival at some international airports, seaports or land crossings.

To apply for an e-Visa on arrival or the Visa on arrival, you need to have an ordinary (non-emergency) passport that will remain valid at least six months after your arrival in Indonesia. Smarttraveller also advises ensuring your passport has a minimum six months validity from your departure from Indonesia, to avoid any issues with leaving the country or with an onward or return flight. You’ll also need to complete an e-customs declaration within three days of departure to Indonesia.

The Bali Provincial Government has introduced a tourist levy of IDR 150,000 ($14.56 AUD) per person for foreign tourists visiting Bali. The levy is separate from the e-Visa on Arrival or the Visa on Arrival. You can pay the levy online before you travel or on arrival at a designated payment counter at Bali’s airport and seaport. Further detail can be found on the Bali Provincial Government’s website .

What is ‘excess’ in travel insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 – $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you ensure you can afford it. Some insurers may also offer an excess waiver if you pay an extra premium.

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