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Travel insurance policies differ, so it's wise to explore your options. The right coverage at the right price can shield you from unexpected expenses, lost luggage hassles, or expensive cancellations, whether you're on a short break or a global journey.
Travel insurance policies differ, so it's wise to explore your options. The right coverage at the right price can shield you from unexpected expenses, lost luggage hassles, or expensive cancellations, whether you're on a short break or a global journey.
FAQs about travel insurance
Why compare travel insurance?
You could save serious money
Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.
You could save serious money
Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.
What can travel insurance cover?
Medical expenses and emergencies
This includes hospital stays, doctor visits, and emergency evacuation. Many policies also cover dental emergencies and repatriation to your home country.
How much does travel insurance cost?
Meet our travel insurance expert, Kate Browne
Kate Browne is Compare Club's Head of Research and Insights. With nearly two decades of experience as a managing editor, news editor, investigative journalist, and broadcaster, Kate has worked at leading organisations including Yahoo Finance, Finder, CHOICE, and the ABC. Her expertise spans a variety of areas such as credit cards, travel insurance, car insurance, health insurance, and personal finance. Kate has written for major publications like the Sydney Morning Herald, The Age, and news.com.au, and her insights help Australians make informed decisions across a wide range of financial and insurance products.
Kate's top travel insurance tips
If your trip includes multiple destinations, you’ll want a policy that offers cover for every location. Also be mindful of other factors such as travel duration, age, any pre-existing conditions, your excess and level of cover. For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
With pre-existing conditions: Long COVID isn’t always covered yet. If this matters to you, check policies carefully.
Real reviews matter: Ask friends or read independent reviews before picking a provider. Avoid biased or uncontactable websites.
Here are some of the most frequently asked questions we receive about travel insurance:
It’s what you pay out of pocket when you make a claim. For small claims (like lost earphones), it might not be worth claiming.
Many insurers now include COVID cover, but check your fine print. Some charge extra, and inclusions vary wildly. This add-on premium can also be affected by your destination.
Usually yes, but you’ll need to apply before your current policy expires, and additional fees may apply.
Some policies include this, others don’t. Read your Product Disclosure Statement (PDS) carefully - or ask before you buy.
Flight insurance only covers delays and cancellations. Travel insurance covers your trip, belongings, and health.
As soon as you’ve booked your trip. That way, you’re covered for cancellations or interruptions well before you pack your sunscreen. Things happen even before you leave home, such as family emergencies or health issues.
You usually can. Especially if you book your trip this way, but beware because these policies are often limited. You may get broader, better value by comparing standalone policies.
Compare Club Travel Insurance is owned and operated by Compare Club Australia Pty Ltd (ACN 634 600 007). Compare Club does not display all brands or all products offered by all brands.
You should consider the insurers PDS prior to making the decision to purchase their product. For more information please read our Financial Services Guide (FSG) which contains further information about how our service works and how we make money.
Things you should know
Partner Offers
Choose your excess
Increased luggage cover
Increased rental car insurance excess cover
Award winning travel insurance for most recommended, outstanding customer satisfaction, and exceptional value medical only cover.
You’ll get cover that actually suits your trip
Every traveller is different. Heading to a country with a reciprocal healthcare agreement? Great - you may not need the most comprehensive medical cover. Still, don’t skip on key inclusions, especially if you take medication or your kids have specific health needs, like asthma.
You could save serious money
Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.
You’ll spot gaps before they cause problems
All policies have exclusions. Comparing cover helps you avoid surprises when it matters most. No one wants to discover your lost luggage isn’t covered after it’s halfway to Lisbon - and you’re not.
You could save serious money
Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.
Travel insurance policies usually include some or all of the following:
Why compare travel insurance?
What can travel insurance cover?
Travel insurance policies usually include some or all of the following:
Baggage and personal belongings
Protection against loss, theft, or damage to your luggage and personal items. Some policies even include cover for essential items if your luggage is delayed.
Accidental death or dismemberment
Your travel insurer can provide financial support in the event of a serious accident during your trip.
Trip cancellations or interruptions
Covers non-refundable expenses if you can't travel due to reasons like illness, injury, or natural disasters. Most policies now include optional COVID-related cover, which may cost extra.
Rental vehicle excess
If you hire a car and are involved in an accident or damage occurs, travel insurance can cover the excess fee often required by rental companies.
Travel delays
Most policies also cover additional costs for meals, accommodation, or alternative transport if your travel is delayed due to covered reasons.
How our experts have
helped Australians like you
Did you know that cover at sea isn’t automatically included in most travel insurance policies? Cruise cover is an optional add-on.
What’s new in travel insurance?
COVID-19 coverage is now standard with many insurers, but always check what’s included. Long covid is still quite a new condition for insurers to include so if you need it on your policy, look for an insurer that specifically includes this condition.
Adventure sport cover and winter sports insurance are increasingly common as Australians seek more thrill-based getaways.
Rental vehicle excess cover and motorbike/scooter add-ons are in higher demand as more people explore independently.
Domestic cover is still relevant, especially for flight cancellations, baggage issues, or rental car damage.
Updated as of 16 May 2025
What are the different types of travel insurance?
Usual Inclusions
Covers essential medical expenses only.
Basic cover
Who is it for?
Budget travellers, countries with reciprocal healthcare agreements.
Why compare travel insurance?
Travel insurance policies usually include some or all of the following:
Single-trip policies
Ideal for one-time travellers, this type of travel insurance covers a single journey for a set duration.
Annual multi-trip policies
Best for frequent travellers, covering multiple trips within a year. If you travel often over a twelve month period.
If you choose to switch to a new energy provider, Compare Club’s expert team will take care of all your paperwork. But there’s a few things we might need from you:
Usual Inclusions
Includes medical expenses, tour cancellation, lost luggage, and some extras.
Standard cover
Who is it for?
Most standard holidaymakers travelling on guided tours.
Usual Inclusions
Medical costs, cancellation fees, lost or stolen luggage, adventure sports, additional benefits.
Comprehensive cover
Who is it for?
Those going on longer trips with complex itineraries moving through many countries - and travellers with complex medical needs.
Travel insurance policies usually include some or all of the following:
This varies based on:
Your destination: Travelling somewhere remote or without reciprocal healthcare? Expect a higher premium. High risk destinations (e.g. travelling to a conflict zone) comes with higher premiums too.
Your travel duration: Longer trips = more exposure to risk.
Your age: Premiums often increase as you get older.
Any pre-existing conditions your may have: Some insurers will cover these for an additional fee.
Your excess: Higher excess = lower premium (but more out-of-pocket costs for you if you do need to claim).
Level of cover: Comprehensive cover costs more, but offers peace of mind and lower costs if you do need to claim.
For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
Here’s the average travel insurance premium for the top five international travel destinations in 2025 (based on a two-week single traveller aged 40).
Source: estimates are based on comparisons of policies from over 30 insurers, including Cover-More, NRMA, Allianz, and Travel Insurance Direct.
Here’s the average travel insurance premium for the top five domestic travel destinations in 2025 (based on a two-week single traveller aged 40).
Source: Source: estimates are based on comparisons of policies from over 30 insurers, including Cover-More, NRMA, Allianz, and Travel Insurance Direct.
Domestic policies often cover cancellations, car rental excess, and lost or stolen belongings.
This varies based on:
How much does travel insurance cost?
For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
Here’s the average travel insurance premium for the top five international travel destinations in 2025 (based on a two-week single traveller aged 40).
Here’s the average travel insurance premium for the top five international travel destinations in 2025 (based on a two-week single traveller aged 40).
Domestic policies often cover cancellations, car rental excess, and lost or stolen belongings.
Unlimited medical and emergency dental
24/7 access to telehealth and medical specialists
Easy-to-submit claims
Travel insurance in an app. With optional cover add-ons, only pay for what you need while enjoying live chat support and 24/7 access to medical and emergency specialists.
Exclusive Offer for Compare Club customers: Use code COMPARECLUB and get 10% off. Ends 30 Nov 2026
24/7 emergency assistance
Medical conditions cover available
Single trip and annual multi-trip cover options
Protect your holiday before the unexpected makes a mess of it. Blue Insurance also has cover options to help you tailor your policy, so you get the travel insurance that works for your trip.
Exclusive Offer - Use code BLUE20 and get 20% off*. Ends 30 June 2025