travel insurance south australia

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Travel Insurance
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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

Overseas emergency assistance 1
Overseas medical and hospital expenses 1
Personal Liability 1

Comprehensive Travel Insurance

Overseas emergency assistance, medical and hospital expenses 1
Unexpected trip cancellation 3
Loss of or damage to luggage and personal effects 1
COVID-19 benefits 2

Domestic Travel Insurance

Travel delay expenses 1
Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

Website review and travel remediation

Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

You can buy our Travel Insurance up to 12 months in advance.
You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

Travel Insurance

Covid-19 Benefits Available for One-Trip and Cruise – Domestic and International Policies (Silver and Gold). Find out more here .

We’re committed to offering you comprehensive and award-winning travel insurance products to travel in Australia or internationally at competitive prices. We don’t lock you into one product; we know that not everyone needs everything our top product covers, so we’ve created three levels of cover: Bare Essentials, Silver, and Gold, so you can compare travel insurance and choose the product that best suits your needs.

When you choose InsureandGo, you will get peace of mind knowing that you’re travelling with a provider that offers an expansive, 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance, a global assistance company with a presence in more than 200 countries and a network of more than 750,000 assistance providers. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

Not only that, but with our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.

But you shouldn’t just take our word for it, we’ve won 16 separate awards and recommendations from comparison services and consumer advocacy groups in the last 10 years. We recently received the Finder 2023 award for “Travel Insurance – Domestic”, WeMoney 2023 award for “Best for Seniors” and “Best for Value – Cruise Travel Insurance”. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019, and 2022. In 2022, we won the Canstar award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

presence in more than 200 countries

network of more than 750,000 assistance providers

EA helped 1.2 million travellers worldwide

Europ Assistance helped 1.2 million travellers worldwide

One trip travel insurance

Annual multi-trip insurance

Cruise travel insurance

Domestic travel insurance

Backpackers travel insurance

Benefits of our travel insurance.

Covid-19 Coverage Available in Silver and Gold Policies

What is travel insurance?

Travel insurance is an insurance policy designed to financially protect you while you’re travelling, and to protect the financial investments you’ve made by booking a holiday. While purchasing travel insurance is not mandatory, the Australian Government strongly advises that all Australian travellers protect themselves with travel insurance¹ , regardless of whether you are travelling domestically or internationally.

A travel insurance policy is an essential tool designed to help protect you from financial losses that can be incurred from a wide range of factors. These factors include (but are not limited to) the need to cancel a trip, needing overseas medical treatment, or replacing lost or stolen luggage and personal belongings.

Always read the PDS before buying a travel insurance policy to make sure the product is right for you.

Important steps to consider before getting a travel insurance quote

The last thing you want is to end up with a policy that doesn’t cover what you need. So to get you started here are a few things you should consider:

Check smartraveller.gov.au to make sure your destination is safe to visit.

Confirm that all people named on the travel insurance policy are residents of Australia. If you are in Australia on a working holiday VISA, a sponsorship VISA or even a student VISA, it’s important for you to have valid Medicare cover, or private health insurance, for the length of your trip.

Make sure you buy your travel insurance policy before you start your trip. If you buy it after you’ve left it will be invalid.

Tell us about your pre-existing medical conditions , we can assess your pre-existing medical condition and if approved, offer you cover. It’s really important that you’re open and honest about this, because if you don’t declare all pre-existing medical conditions they may not be covered.

Work out if you’re willing to pay an excess. An excess is deducted from any payment we make to you. For example, having a $200 excess reduces your premium, but if you make a claim, $200 would be deducted from any claim payment. Conversely, if you chose to waive the excess, your policy would be more expensive but you would get 100% of the claim back, provided your claim is approved and does not exceed your policy limits. Our standard excess amount is $100 but you can decide to remove or double this amount through the purchase process. Find more info about excess here .

Read the Product Disclosure Statement . Familiarising yourself with it now can save you headaches later on.

What Does Travel Insurance Cover?**

Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan.

Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while travelling overseas.

Having travel insurance means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs.

We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions.

It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re travelling.

But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged.

Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.

Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip.

This includes your passport, travellers cheques, and visas.

You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.

Travel delays are an unfortunate reality these days.

There are many causes, but the number of global delays per day can often be as high as the tens of thousands.

If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses. Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.

Some travellers prefer to hire a car on holiday for the additional freedom.

However if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess.

We will reimburse the rental car insurance excess, if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.

Please note rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.

We hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel.

An insurance policy that includes cancellation cover will mean you are reimbursed for the cost of flights, accommodation, visas and paid for excursions or activities, in the event that you need to cancel your travel plans due to injury, unforeseen illness overseas, or because of other reasons that are outlined in the PDS.

We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation.

**Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant PDS .

Customer testimonials

“easy process to make a claim”.

“I had to cancel my trip due to a medical condition, so I made claim. I was updated when my case was being reviewed, then advised when I got approved. Funds were in my account the following night. It took 10 days in total from InsureandGo receiving documents to funds in my bank, excellent service. Easy process to make a claim.”

“Would definitely recommend this company”

“This was the first time with this company, and it was very easy to set up our policy. Unfortunately we made a small claim which was dealt with very quickly and would definitely recommend this company.”

“I needed to claim, they were first class”

“This is the only travel insurance company I use. I can get insured for my pre existing conditions, the premium is reasonable, and when I needed to claim, they were first class, helpful, responsive, and paid immediately, allowing me to be released from the hospital in Thailand.”

Frequently Asked Questions

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We will endeavour to give you a response within 10 business days.

Please contact us if you have any questions regarding the claims process.

You should register your claim within 30 days of completing your travel.

The important reason for purchasing travel insurance is to gain coverage for overseas medical expenses which can prove to be extremely expensive in many countries should you require it.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for transportation of very ill patients back to Australia to receive treatment.

Some countries might ask you for a copy of your travel insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase travel insurance before applying for a visa. Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to and including the 30th week for one baby only.

There is no cover for claims resulting from your pregnancy or childbirth after the 30th week of pregnancy.

However medical expenses cover will be provided for a range of complications associated with pregnancy before the 31st week of pregnancy. Please read the PDS for more information.

If you become pregnant after you purchase a policy and will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip, you may be covered for the cancellation of your trip before departure, as explained in the PDS.

Please keep in mind that no cover is available for children who are born overseas during your trip.

InsureandGo does not automatically include cover for any pre-existing medical conditions. But all conditions can be considered via a medical questionnaire that you can either complete online or through the call centre.

A pre-existing medical condition is any diagnosed medical condition for which, in the last 5 years, you or any insured person has suffered from or has received any form of medical advice, treatment or medication.

To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

Please contact us if you would like to complete the questionnaire over the phone.

When purchasing travel insurance with InsureandGo, you will have the option to choose between three different levels of cover; Bare Essentials, Silver, and Gold.

Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. Silver includes all of this, but covers you for a lot more, including trip cancellation, travel delay expenses, and more. Gold Policies cover everything in the Bare Essentials and Silver levels, though insure you at a higher cash value, and additionally include cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.

If you opt for an annual policy^(not currently available) over a single trip policy^, you will be covered for unlimited international trips over a 12 month period. Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.

To customize your policy, there are a number of additional upgrades available which offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.

InsureandGo offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up to and including your 30th week if you are expecting a single child, or up until your 24th week if expecting multiple babies.

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren.

Dependent children are considered as your financially dependent children or grandchildren (including fostered, or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.

That basically means, those 17 or under can travel for free**, as long as they travel with parents. However, if the child is 18 or above, he/she will be charged as adults, whether or not they’re on our couple/family policy^.

Parents or grandparents can buy insurance on behalf of dependants as long as dependants under 16 years of age will have full 100% adult supervision during the trip.

Purchasing travel insurance earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase your travel insurance, the longer you can take advantage of cancellation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey. Prepaid travel costs may include flights, accommodation, and tours, and these may be covered if you need to cancel your trip due to employment redundancy, a natural disaster, certain situations relating to pregnancy, or the injury, illness, serious damage to your home in Australia or death of someone in the travelling party or a relative based in Australia.

A PDS or Product Disclosure Statement is a legal document that contains useful information about your travel insurance policy. It is very important to fully read the PDS, as it contains the key benefits and features of your policy and explains your rights and obligations in relation to your policy. Reading the PDS will allow you to thoroughly understand your policy and better help you choose the policy that is right for you.

Within the PDS, you will find helpful and detailed information regarding your travel insurance policy’s applicable excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential.

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Make sure you’re covered for what you think you are by reading our Product Disclosure Statement

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¹ Australian Government – Department of Foreign Affairs and Trade: http://smartraveller.gov.au/guide/all-travellers/insurance/pages/default.aspx#why-get-travel-insurance. ^ Cover for Connecting flights does not apply for any cost incurred where your scheduled transport is delayed by less than 4 hours or any claim that results from you missing a connecting flight where the stopover was originally scheduled on your itinerary at less than 6 hours.

**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.

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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.

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Travel Insurance

Wherever your next trip takes you, we're here for you if the unexpected happens. With flexible Travel Insurance products and 24/7 emergency assistance, we'll make sure your needs are taken care of. Plus, members save 10%.¹

Get a quote online and take out cover before you travel.

^Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

¹Member discount applies to premium payable for the product.

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COVID-19 benefits

If you purchase Premium International cover or Domestic cover , a range of COVID-19 benefits will automatically be included in your policy. From 10 August 2022, COVID-19 benefits are available for multi-night cruises on select policies.

Important travel insurance update : Have you received correspondence from RAA about a travel insurance refund? Find out more

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Our emergency overseas assistance team can help you anywhere in the world, 24 hours a day, every day of the year. Call +61 2 8055 1698 .

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*Member discount applies to premium payable for the product.

Conditions, exclusions, limits, and sub-limits apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL AFSL 246548) (Tokio Marine).

Royal Automobile Association of South Australia Incorporated acts as agent for Tokio Marine and may receive a commission which is a percentage of the premium paid and may also receive a portion of the underwriting profit. Consider the relevant PDS and Target Market Determination , Terms and Conditions and Privacy Policy , available on the RAA website when deciding whether to purchase this product.

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RACV Travel Insurance offer a great selection of policies to suit a range of travellers, providing the security and reassurance you need to enjoy your journey. You can also easily access and organise your RACV Travel Insurance online - so even if you are at the airport ready to fly, there’s time to pack the security of travel insurance for your trip.

RACV Travel Insurance now includes limited COVID-19 cover # on RACV Comprehensive Travel Insurance and RACV Domestic Travel Insurance .

If you are overseas, RACV International Travel Insurance gives you access to 24/7 support and a global network of medical and emergency experts to help you. If you're travelling within Australia only, a RACV Domestic Travel Insurance policy provides great insurance cover from the moment you leave home. All RACV Members receive a 15% discount on RACV Travel Insurance.

#Limits and sub-limits apply. Refer to the Product Disclosure Statement for full details.

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Choose the travel insurance that's right for you

International travel insurance.

Choose from a range of international travel insurance plans, whether you are going overseas solo, as a family or with a travelling companion.

Domestic Travel Insurance

RACV Domestic Travel Insurance covers you when travelling around Australia, with cover for lost or stolen luggage, cancellation or disruption of your travel and rental car excess cover from the moment you leave your home.

Annual Multi-Trip Insurance

Consider a 12-month travel insurance policy if you travel regularly. An Annual Multi-Trip Plan provides year-round cover for your travel provided it's more than 250km from your home.

Rental Car Excess Insurance

When you rent a vehicle this insurance covers you up to $8,000 against the excess payable if your rental car is involved in an incident, is stolen or damaged.

A cruise can be a once-in-a-lifetime experience so you want to make the most of it. Give yourself some peace of mind when cruising and select the cruise option.

Before setting off to explore new parts of the world or visit the grandkids, it’s important you choose the right travel insurance to suit your holiday.

Families Travel Insurance

Planning a family holiday? Whether you are travelling domestically, overseas or even multiple times throughout the year, you and your loved ones can get coverage in case of emergencies by taking out RACV Travel Insurance.

Activities Travel Insurance

Find information on specific activities, exclusions and advice by visiting the RACV Activities Travel Insurance hub.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

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For full details on how you’re covered, read the Travel Insurance Product Disclosure Statement.

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Domestic Travel Insurance

Travel insurance isn’t just for going overseas, protect yourself at home too

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Excl. Vic. Strict eligibility. T&C apply . Always consider the PDS and TMD .

You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

Choose the cover that’s right for you

Choose between our Domestic Cancellation, Comprehensive and Annual Multi-Trip Travel Insurance plans to make sure you get the cover you need.

Domestic Comprehensive plan

Here’s a summary of our Domestic Comprehensive cover

Cancellation

If your trip is cancelled or rescheduled unexpectedly, you can claim some travel and accommodation costs.

Rental vehicle excess

We'll help cover the insurance excess on your rental if it gets damaged or stolen, when you choose Comprehensive (up to $10,000).

COVID-19 protection

Protect your travel plans against the impacts of COVID-19 (limits and conditions apply).

24-hour emergency hotline

Speak to our expert, multilingual team at any time, from anywhere in the world.

Luggage and personal items

Lost, stolen or damaged luggage and belongings are covered, including travel documents and credit cards when you choose Comprehensive (up to $8,000).

Legal liability

We'll cover your legal and settlement costs in some situations if you accidentally injure someone or damage their property.

Domestic Comprehensive optional extras

Add these when you get a quote for Domestic Comprehensive

Skiing and winter sports

Add cover for things like damaged ski equipment, or approved hospital and medical expenses if you're injured on the slopes.

Cruise cover

Add cover for certain unforeseen cancellations, as well as approved medical and evacuation costs if you get sick or injured.

Valuable items

Add extra cover for special items like your watch, jewellery or camera.

Motorcycle and moped cover

Add cover if you plan on riding or being a passenger on a motorcycle or moped.

Domestic Cancellation plan

You can select the amount of cancellation cover that suits you.

Annual multi-trip

Take as many trips in a year as you want, all on the one policy. All our annual multi-trip plans are Comprehensive, giving you our highest level travel insurance.

You can select cover for up to 15 or 30 days per trip. That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Not included

There are some things we don’t cover

Medical expenses

We don't cover medical, hospital or dental costs in Australia.

Known events

We don't cover incidents due to things you should know about, like a pandemic, or if you travel against warnings or official advice.

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Heading overseas? Get cover for your trip before you set off.

With over 90 years’ experience, we know how to protect the things you care about.

We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week

You could save up to 5% on a new policy if you already have insurance with us 1

Just need domestic travel insurance that covers cancellation only?

Have a Domestic Travel Insurance question? We can help

Does my travel insurance cover covid-19 claims.

To see if your situation will be covered, read the Product Disclosure Statement (PDS) .

What’s a travel excess and how much is it?

An excess is an amount you may need to pay towards a claim. Different levels of excesses may apply, depending on the policy you choose.

For full details, read the Product Disclosure Statement (PDS) .

How long do I have to make a travel claim?

Most claims can be made at any time, but sometimes you'll need our approval before you incur certain costs. Generally, you should make a claim as soon as possible, but if you're unsure, get in touch with us.

Find out how to make a claim

Will I be covered for cancelling my trip?

All our travel policies include cover for cancellation or rescheduling under certain circumstances. The level of cover depends on the amount you select.

To check what's covered with your policy, read the PDS .

Are children covered when they’re travelling with me?

Children are included in the sum insured of their parent, grandparent or legal guardian's policy if they're:

Under the age of 21
Identified on your policy document
Travelling with you.

When travelling without a parent, grandparent or legal guardian, children need a separate insurance policy. This policy needs to be purchased by a parent, grandparent or legal guardian.

Can I get domestic cover for cancellation only?

Yes, if you don't need cover for things like luggage and legal liability when travelling in Australia, you can choose our Cancellation Only Plan when you get a quote .

Things you should know

The existing customer discount is only available for existing NRMA Insurance customers. We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD) . If you decide to purchase NRMA Travel Insurance from NRMA Insurance or its distributors they receive a commission, for more information please refer to NRMA Insurance’s FSG .

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Southern Cross Travel Insurance

Our verdict: generous benefit limits, no restrictive age limits and free cover for kids all make scti an attractive option..

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In this guide

Get a quote from Southern Cross Travel Insurance

Summary of southern cross's international comprehensive policy, how does southern cross travel insurance cover covid-19, what policies does southern cross offer, here's a breakdown of southern cross travel insurance features, standard features, optional add-on, how to make a southern cross travel insurance claim, here's the bottom line about southern cross travel insurance, frequently asked questions.

Destinations

Southern Cross Travel Insurance have won the 2023 Finder Award across a few categories.
SCTI's cover limit of $25,000 for theft or damage to your luggage and personal items is one of the highest we've seen.
SCTI has an age limit of 118 – a welcome option for senior travellers .
Its personal liability cover of up to $1,000,000 could meet the needs of most, but competitors such as Fast Cover and Medibank offer 5 times as much.

Table updated June 2024

Congratulations, Southern Cross!

Southern Cross received the following awards in the 2023 Product Awards:

'Travel Insurance - Comprehensive' - Winner
'Travel Insurance - Seniors' - Winner
'Travel Insurance - Value' - Highly Commended

Southern Cross Travel Insurance is one of only a few insurers we've found that offer some cover for COVID-related claims. 3 key benefits are as follows:

Medical expenses if you are diagnosed while on your journey (overseas policies only).
Pre-trip cancellation and amendment costs to change your travel arrangements if you or a relevant person are diagnosed prior to your travel.
On-trip cancellation and amendment costs if you or a relevant person are diagnosed during your trip and it's interrupted or cut short.

There are some scenarios that are not covered and you should review the Southern Cross Travel Insurance product disclosure statement (PDS) before making a decision on whether this cover meets your needs. A major exclusion to be aware of is that you must be fully vaccinated to be covered for COVID-19 expenses.

Other COVID-19 exclusions include:

Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4".
Costs related to lockdowns or government restrictions.
Costs related to any pause to quarantine-free travel.
Repatriation to Australia.

If Southern Cross's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 here .

In total, Southern Cross offers 5 travel insurance policies. These are: Domestic, International Medical Only, International Comprehensive (Single Trip),International Comprehensive (Annual Multi-trip) and Working overseas. Here are some of the main insured events a policy can cover you for:

International Medical Only

International Comprehensive Single Trip

International Comprehensive Annual Multi-trip

Working Overseas

The insurance is issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance.

The cooling-off period is 14 days which means you can change your policy or cancel within this period, and Southern Cross will refund your premium in full. The excess is the amount you usually need to pay when you make a claim, but with Southern Cross, you can choose to remove your excess for a higher premium.

Here are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.

Baggage and personal items
Cancelling or changing your journey before you leave
Cash, bank cards, travel documents and passports
Changes to your journey once you have left
Delayed journey to a special event
Emergency dental treatment
Medical and evacuation
Personal accident
Personal liability
Rental vehicle excess

For more flexibility, Southern Cross Travel Insurance gives you the option to add extra cover to your policy. This can be done after you select your level of cover.

Taking any valuables? If the value of any items you're taking exceeds the limits of your policy, you can opt for specified items cover .
Going skiing or snowboarding? Get additional cover to be protected for gear damage or the medical expenses incurred if you injure yourself on the slopes . You'll need to wear a helmet or you might void your policy.
Taking a cruise? If you're taking a cruise, select additional cover to protect yourself. You'll need to make sure you've included all the destinations your cruise is visiting on your policy.
Riding a moped or motorbike? Get additional cover to protect yourself and your bike in case the unexpected happens . SCTI will only cover incidents involving bikes under 200cc.

Like all insurers, there are a few situations you won't be covered for under your travel insurance policy. Southern Cross Travel Insurance will not generally provide any cover in the following situations:

If your claim arises due to a pre-existing condition that is not covered by your policy
If your claim arises due to a sexually transmitted infection (excluding covered conditions relating to HIV)
Pregnancy after the 24th week
If your claim arises because of being under the influence of alcohol , solvents or any other illegal drug
If your claim relates to most elective or cosmetic procedures
If you participate in any professional or contact sport , motorsport, hunting, abseiling or paragliding

Other exclusions which could apply to a COVID-19 claim include:

Medical evacuation because of COVID-19
Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4" due to COVID-19
Costs related to lockdowns or government restrictions owing to COVID-19

Make sure you read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.

Making a claim with Southern Cross Travel Insurance is easy and the whole process can be done online. Remember to keep any supporting documents such as receipts, medical notes or police reports to help your claim go through smoothly.

Head to https://www.scti.com.au/claims/make-a-claim
Enter your policy number, email, full name and date of birth to log in
Complete your claim details by answering all sections
Upload any supporting documents relevant to your claim
Submit, then your claim should be processed within 10 business days

Southern Cross offers 4 straightforward policies with enough customisation and flexibility to suit most travellers. You'll find generous limits for theft or damage to your belongings, dependent children up to the age of 21 covered for free and the ability to extend your cover if you decide to stay overseas longer. All features that you don't find every day with other insurers.

Where Southern Cross Travel Insurance falls short is with certain exclusions in its policies. There is no cover for cruises that stay in Australian waters or pregnancy after 24 weeks. While Southern Cross does have COVID-19 cover, it comes with more restrictions than other insurers, including the need to be fully vaccinated.

If you're still not sure about Southern Cross, you can compare other travel insurance companies here .

Is there an age limit on its policies?

The age limit for Southern Cross Travel Insurance's policy is 118.

I have a pre-existing medical condition – is it covered by Southern Cross Travel Insurance?

SCTI's PDS does not list automatically included pre-existing conditions. It's best to declare everything at the time of policy purchase and fill out a medical assessment, so SCTI is aware of your medical conditions.

If your condition isn't automatically included, SCTI can use the medical assessment to consider your cover and any applicable premium costs.

Are kids free on this policy?

Yes, Southern Cross Travel Insurance covers kids for free but they must be "dependent children". This means they need to be under 21 years old at the start date of your policy. Children include your direct kids, can be stepchildren, foster children and even grandchildren.

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). See full bio

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39 Responses

I would like to speak with someone as I tried to apply for a quote on line but had difficulty when it came to trying to put info about medication down

We are a review and comparison site and we don’t operate a call centre. But you can call Southern Cross Travel Insurance on 1800 196 484. Hope this helps!

You may be covered for trip cancellations if you need to cancel due to sickness, so long as you took out cover before you became sick. It’s likely that you will need to provide evidence that you’re unfit to travel from a doctor.

I’d suggest contacting the insurer directly.

Thanks, Gary

i am considering the medical only international insurance cover but i have not been vaccinated against covid 19. can i still buy this policy

Thanks for your message. While I can’t see anything in Southern Cross’ Eligibility criteria that specifically mentions the need to be vaccinated against COVID, it’s best to reach out to the insurer directly to confirm this.

Yes you should still inform them of your pre-existing condition.

Kind regards, Gary

bought a policy no 13086815 . have recieved no email.

This is a Finder review page about Southern Cross Travel insurance. We are not directly affiliated with Southern Cross, so you’ll need to contact them directly about your policy.

Hope this helps!

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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
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Do you want to cover a single trip or multiple trips, single trip covers a single return journey overseas, up to 12 months long., annual multi-trip covers an unlimited number of return journeys overseas over a 12 month period from the date your insurance starts which you can choose., when are you travelling, select the dates you will depart from and return to australia., cover starts on the date you select, and you will have 12 months of cover from this date., where will you be travelling, popular destinations, south pacific.

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Best Australian Travel Insurance Providers

In today's dynamic world of travel, securing the right travel insurance is more than just a precaution; it's a necessity. This comprehensive guide delves into the intricate world of travel insurance, spotlighting key players in the Australian market and their unique offerings. From Fast Cover's tailored policies for Australian residents to Cover-More's extensive experience and diverse plan options, we explore what sets each provider apart. We also examine 1Cover's focus on comprehensive coverage and emergency assistance, and Southern Cross Travel Insurance's commitment to customer satisfaction and policy transparency. Additionally, we look at Freely's global approach and the mixed customer feedback it receives. This guide is designed to navigate you through the nuances of policy selection, customer experiences, and the comparative advantages of these top Australian travel insurance providers, ensuring you make an informed decision for your next journey.

Fast cover website overview, customer reviews from productreview.com.au, insights and considerations, cover-more website overview, 1cover website overview, southern cross travel insurance website overview, freely.me website overview, customer reviews from trustpilot, finding the ideal travel insurance: a guide, understanding travel insurance, coverage offered by travel insurance, factors influencing travel insurance costs, types of travel insurance, single vs. long-term policies, acquiring travel insurance, making the right choice, faqs on best australian travel insurance providers.

Fast Cover specializes in travel insurance, offering policies for both domestic and international trips. Their services are tailored to Australian residents, including Australian citizens and permanent residents, with a requirement for a valid Australian Medicare Card. They provide a range of travel insurance options, including single trip and frequent traveler policies, and cover various types of vacations like road trips, cruises, skiing, and family holidays.

Key Features:

COVID-19 Coverage : Fast Cover includes specific provisions for COVID-19 related claims, with a 72-hour no cover period for COVID-19 related claims and a 48-hour period for non-COVID-19 claims.
Awards and Recognition : The company has received multiple awards for their travel insurance services, including the Travel Insurance Award 2022 & 2023 and the Winner Travel Insurance of the Year 2022 & 2023.
Australian Based : The company is Australian-owned and operated, with all their specialist sales and claims teams based in Australia.
Variety of Policies : They offer insurance for different types of trips and travelers, including seniors up to 89 years of age, and provide unlimited medical assistance and cover.

Fast Cover Travel Insurance has a high rating of 4.6 out of 5 stars from 2,092 reviews on Australia's largest opinion site, ProductReview.com.au. The reviews highlight several positive aspects:

High Satisfaction : 94% of the reviews are positive, indicating a high level of customer satisfaction.
Value for Money : Customers rate the value for money at 4.5, suggesting that the premiums are competitive and reasonable.
Customer Service : The customer service is highly rated at 4.6, with many customers appreciating the friendly and helpful staff.
Claim Resolution Time : The time taken to resolve claims varies, with some resolved in less than a week, while others take longer.
Ease of Use : The website and application process are user-friendly, making it easy for customers to purchase and manage their policies.
Customization and Flexibility : How does Fast Cover tailor its policies to meet the diverse needs of different travelers, especially in the context of varying travel destinations and activities?
Claims Process : What are the experiences of customers who have had to make claims, especially in emergency situations or for complex issues?
Competitive Edge : How does Fast Cover's offerings compare with other travel insurance providers in terms of coverage options, pricing, and customer service?

Cover-More offers a range of travel insurance policies for Australian residents, including international and domestic travel, single trips, and annual multi-trips. They provide coverage for COVID-19-related medical costs, amendment, and cancellation costs, among other benefits.

COVID-19 Coverage : Cover-More includes cover for COVID-19-related overseas medical costs, amendment, and cancellation costs, with specific conditions and exclusions.
Variety of Plans : They offer different levels of coverage, including Comprehensive+, Basic, and Comprehensive plans, each with varying benefits and limits.
Additional Coverage Options : The policies cover a range of scenarios, including adventure activities, cruises, snow sports, and motorcycle/moped riding.
Customer Support : Cover-More emphasizes their 35+ years of experience and offers 24/7 emergency assistance.

Cover-More Travel Insurance has an average rating of 3.3 out of 5 stars from 2,880 reviews on ProductReview.com.au. The reviews present a mixed picture:

Customer Satisfaction : 57% of the reviews are positive, but there is a significant 41% of negative reviews.
Value for Money : The value for money is rated at 2.2, indicating some concerns about the cost-effectiveness of their policies.
Customer Service : Customer service is rated at 2.1, with mixed feedback regarding the helpfulness and efficiency of the support team.
Claim Resolution Time : There are varied experiences with claim resolution times, with some claims taking longer than expected.
Ease of Application : The process of applying for a policy is generally found to be easy by customers.
Policy Clarity and Transparency : How clear and understandable are Cover-More's policy documents and terms, especially in relation to COVID-19 coverage and exclusions?
Claims Processing Experience : What are the common challenges faced by customers during the claim process, and how effectively does Cover-More address these issues?
Comparative Analysis : How does Cover-More's offerings, customer service, and claim handling compare with other travel insurance providers in the market?

1Cover Travel Insurance offers comprehensive travel insurance with a focus on providing 24/7 emergency assistance services. Their policies cover overseas medical and hospital expenses, luggage, cancellation benefits, and more. They also include medical cover for COVID-19.

COVID-19 Coverage : 1Cover includes overseas medical cover for COVID-19 but not for trip cancellation due to COVID-19.
Range of Policies : They offer annual multi-trip policies, ski cover, domestic cover, cruise insurance, and cover for those already overseas.
Additional Benefits : Their policies provide unlimited overseas medical assistance, cancellation cover, luggage and personal effects cover, car rental excess, additional expenses, and credit card fraud cover.
Customer Feedback : 1Cover is rated 4.2 out of 5 based on over 1639 reviews, indicating a positive customer response.

1Cover Travel Insurance has a high rating of 4.3 out of 5 stars from 4,750 reviews on ProductReview.com.au. The reviews highlight several aspects:

High Satisfaction : 84% of the reviews are positive, suggesting a strong level of customer satisfaction.
Value for Money : The value for money is rated at 3.7, indicating that most customers find their policies to be cost-effective.
Customer Service : Customer service is rated at 3.6, with many customers appreciating the support provided, especially in emergency situations.
Ease of Use : The process of applying for a policy and making claims is generally found to be user-friendly by customers.
Policy Clarity and Coverage : How well does 1Cover communicate the details of their coverage, especially regarding COVID-19 related policies and exclusions?
Claims Processing Experience : What are the experiences of customers who have had to make claims, particularly in terms of efficiency and support provided?
Competitive Edge : How does 1Cover's offerings, customer service, and claim handling compare with other travel insurance providers in terms of value for money and customer satisfaction?

1Cover Travel Insurance appears to be well-received by customers, with high ratings for customer service and value for money. Their comprehensive coverage, including for COVID-19 medical expenses, and a variety of policy options cater to a broad range of travel insurance needs. Enhancing clarity around policy details, especially for COVID-19 related cancellations, could further improve customer satisfaction and trust.

Southern Cross Travel Insurance offers a range of travel insurance policies designed to cater to various travel needs. They emphasize their commitment to providing 24/7 emergency assistance and a high rate of claim approvals.

COVID-19 Coverage : SCTI provides information about their cover for COVID-19, which is a crucial aspect for travelers in the current climate.
Variety of Policies : They offer International Comprehensive, Annual Multi-trip, International Medical Only, Domestic, and Working Overseas insurance policies.
Claims Approval Rate : They highlight a 96% claim approval rate, indicating a high level of customer satisfaction in this area.
Emergency Assistance : 24/7 emergency assistance is a key feature, providing travelers with support whenever and wherever needed.
Self-Underwritten Policies : Unlike many insurers, SCTI underwrites their own policies, offering an end-to-end service.

Southern Cross Travel Insurance has an excellent rating of 4.7 out of 5 stars from 3,010 reviews on ProductReview.com.au. The reviews highlight several positive aspects:

High Satisfaction : 93% of the reviews are positive, indicating a very high level of customer satisfaction.
Value for Money : The value for money is rated at 4.4, suggesting that customers find their policies to be cost-effective.
Customer Service : Customer service is highly rated at 4.4, with many customers appreciating the friendly and efficient support.
Policy Transparency : Customers appreciate the transparency of SCTI's policies, which are easy to understand.
Policy Clarity and Coverage : How effectively does SCTI communicate the details of their coverage, especially regarding COVID-19 related policies and exclusions?
Customer Support and Claims Processing : What are the experiences of customers in terms of support provided during emergencies and efficiency in claims processing?
Market Positioning : How does SCTI's offerings, customer service, and claim handling compare with other travel insurance providers in terms of overall customer experience and satisfaction?

Southern Cross Travel Insurance appears to be highly regarded by customers, with excellent ratings for customer service, value for money, and policy transparency. Their comprehensive coverage, including for COVID-19, and a variety of policy options cater to a wide range of travel insurance needs. Continuously maintaining high standards in customer support and claims processing will be key to sustaining their positive reputation in the travel insurance market.

Freely presents itself as a travel insurance provider for the modern traveler. The website is a global homepage allowing users to choose their country of residence, indicating that Freely offers its services in multiple regions.

Global Reach : Freely provides services in various countries, including the US and Australia.
Association with Cover-More and Zurich : The website mentions that Freely is provided by Cover-More Inc., a company of Zurich, suggesting a strong backing and reliability.
User Ratings : The site displays a high user rating of 4.8 based on 1,125 reviews, indicating positive customer feedback.

Freely has an average rating of 3.4 out of 5 stars on Trustpilot, based on 28 reviews. The reviews present a mixed picture:

Positive Reviews : 54% of the reviews are 5-star, indicating a significant portion of satisfied customers.
Negative Reviews : 21% of the reviews are 1-star, highlighting some dissatisfaction among customers.
Mixed Feedback : Customers have expressed both positive and negative experiences, with some praising the service and others criticizing it for various reasons, including claims handling and customer service.
Customer Service and Claims Handling : What are the specific issues faced by customers who have had negative experiences, especially regarding claims processing and customer support?
Policy Transparency and Coverage : How clear and comprehensive are Freely's policy details, especially in terms of coverage limits and exclusions?
Reputation and Trust : Considering the mixed reviews, how does Freely's reputation compare with other travel insurance providers, and what steps could they take to improve customer trust and satisfaction?

Freely, backed by Cover-More and Zurich, appears to have a global presence in the travel insurance market. While there are positive customer experiences reflected in their high rating on their website, the mixed reviews on Trustpilot suggest areas for improvement, particularly in customer service and claims processing. Understanding and addressing these customer concerns could be key to enhancing their overall service quality and reputation.

Embarking on a journey often involves uncertainty, and travel insurance acts as a crucial safety net. This guide will help you navigate the process of finding the best travel insurance to suit your needs.

Travel insurance is designed to mitigate significant financial risks during your travels. While it might not be necessary for less expensive trips, it's a valuable asset for costly, international, or unpredictable journeys, especially in the COVID-era.

In the year ending April 2021, travelers spent an average of $234 on travel insurance for trips lasting two to three weeks, as reported by Squaremouth. This cost represents just over 6% of the average trip cost.

Selecting the right insurance plan depends on various factors. Let's explore the common travel insurance needs, factors affecting costs, different insurance products, and how to get covered.

The coverage you need will dictate the type of policy you should choose. Here’s a breakdown:

Travel Medical Plan : Covers medical expenses not included in your regular health insurance.
Emergency Evacuation and Repatriation : Assistance if you need to be transported to a hospital or back home due to illness or injury.
Trip Cancellation, Interruption, and Delay : Reimbursement for nonrefundable reservations if you need to cancel or cut your trip short, or face delays.
Cancel for Any Reason Coverage : Refunds nonrefundable reservations for any cancellation reason.
Baggage and Personal Belongings : Covers lost, stolen, or damaged luggage.
24-Hour Assistance Services : Help with finding legal assistance abroad.
Car Rental Collision Insurance : Covers rental car damages.

The cost of travel insurance varies based on:

Trip Length and Cost : Longer and more expensive trips typically have higher insurance costs.
Local Healthcare Costs : High healthcare costs at your destination can increase insurance prices.
Pre-existing Medical Conditions : Existing health issues can raise the cost.
Coverage Scope : More comprehensive policies are pricier.
Age : Older travelers often face higher rates.
Optional Supplements : Add-ons like "Cancel For Any Reason" can increase costs.

Travel insurance is usually sold as a comprehensive package, but some providers offer customizable policies. The most common types include:

Travel Medical Insurance : Provides health coverage while traveling, excluding routine medical events and often certain adventure sports.
Trip Cancellation, Interruption, and Delay : Covers nonrefundable costs due to cancellation or delays for specific reasons.
Baggage and Personal Belongings : Reimburses for lost or damaged luggage and belongings.
Emergency Medical Assistance, Evacuation, and Repatriation : Covers medical expenses and transportation in emergencies.
24-Hour Assistance : Offers around-the-clock help for various travel-related issues.
Accidental Death and Dismemberment Insurance : Pays a lump sum for accidental death or loss of limb, sight, speech, or hearing.
Rental Car Coverage : Covers damages to rental cars.
Single Trip Insurance : Ideal for one-off trips, priced based on the trip cost.
Long-Term Travel Insurance : Covers multiple trips, suitable for frequent travelers, with some limitations on trip length and coverage scope.

When considering travel insurance, assess what coverage you already have, such as through credit cards. Then, decide on additional coverage needed. Common methods to obtain travel insurance include:

Credit Cards : Some offer free travel insurance benefits when used for booking.
Travel Agents and Reservation Sites : Offer easy-to-purchase insurance during booking.
Insurance Companies : Direct purchase allows for customized policies.
Comparison Sites : Compare different policies and quotes in one place.

To find a policy that meets your specific needs and budget, compare offerings from various providers. Consider using comparison sites that feature a range of plans and customer reviews.

Selecting the right travel insurance involves understanding your coverage needs, comparing costs, and considering various policy types. Whether you opt for a single trip or long-term policy, ensure it aligns with your travel plans and offers the necessary protection.

1. Which insurance is best for visitors to Australia?

The best insurance for visitors to Australia depends on individual needs, including the duration of stay, types of activities planned, and personal health considerations. Companies like Cover-More, 1Cover, and Southern Cross Travel Insurance are notable options, each offering various plans that cater to different requirements. It's important to look for policies that cover medical expenses, trip cancellations, and any specific activities you plan to engage in while in Australia.

2. What is the most reliable insurance company in Australia?

The reliability of an insurance company can be gauged by its customer service reputation, claim approval rate, and policy transparency. Southern Cross Travel Insurance is highly regarded in these aspects, as indicated by their high customer satisfaction ratings and a 96% claim approval rate. However, reliability can also be subjective based on individual experiences, so it's advisable to read customer reviews and compare different providers.

3. Who is best for travel insurance?

The best provider for travel insurance can vary based on individual travel needs and preferences. For Australian residents, Fast Cover, Cover-More, and 1Cover are among the top choices, each offering unique features and coverage options. Fast Cover is noted for its tailored policies and high customer satisfaction, while 1Cover is known for its comprehensive coverage and emergency assistance. It's essential to compare policies and consider factors like coverage extent, customer service, and ease of claim processing.

4. Is travel insurance worth it for Australia?

Yes, travel insurance is generally worth it for Australia, especially considering the unpredictable nature of travel and the potential high costs of medical care for non-residents. Insurance can cover unforeseen medical expenses, trip cancellations, lost luggage, and other emergencies. For international travelers, it's particularly important as they may not be covered by Australia's healthcare system. The peace of mind and financial protection it offers often outweigh the cost of the premium.

5. How much is travel insurance in Australia?

The cost of travel insurance in Australia varies based on several factors, including the length of the trip, the age of the traveler, the level of coverage desired, and any additional riders or coverage for specific activities. On average, travelers spent about $234 on travel insurance for trips lasting two to three weeks, as reported by Squaremouth. This cost represents approximately 6% of the average trip cost. However, prices can vary widely, so it's advisable to get quotes from multiple providers to find the best rate for your specific needs.

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Southern Cross Travel Insurance 🏆 2024. 4.7 ( 3,097) Compare. Summary. See all. Harley SA 8 posts. 3d Verified International Comprehensive. Good service, easy claim SCTI provides a good service, and I've been happy to use them in the past. I've had to put through a claim for one of my trips, and it was a painless process with a quick ...
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