Most comprehensive travel insurance policies cover you for unlimited medical expenses and 24/7 medical care, including repatriation.
Comprehensive travel insurance can cover you for cancelled or delayed flights. This is the most common reason for claims. According to Finder research, 29% of Australians, equivalent to around 5.8 million people, have had their flight delayed or cancelled in the last 12 months.
Comprehensive travel insurance policies now cover COVID. This includes medical expenses, cancellations and rearrangement costs.
Unlike a basic policy, comprehensive policies typically cover lost and delayed luggage and personal items. They also come with high limits so it can cover all of your expenses.
Almost 1 in 3 Australians, equivalent to 3.5 million people, suffered a travel mishap while abroad in the past 12 months, according to a July 2023 Finder survey. 14% have endured travel delays, while 8% lost personal items. Comprehensive travel insurance can cover this but a basic policy often won't.
Tick Travel insurance won the 2024 comprehensive award because it goes further than the majority of insurers. It scored highly for cancellation costs and rental car excess. It's also competitive on price compared to the other 30 international policies we analysed.
Full list of 2024 winners
Travel Protect ranked in highly commended for comprehensiveness. This is because it offers generous coverage limits yet remains comparatively well-priced.
World2Cover Travel Insurance ranked in highly commended for comprehensiveness out of the 30 international policies we analysed. It scored highly for features including rearrangement costs and rental car excess insurance.
Basic travel insurance is cheap and affordable, but it doesn't cover you for everything that's available in a top policy. Cheap travel insurance will generally cover basic medical costs, and some extra travel related costs, like delays or cancellations. However, a basic policy won't cover everything, and might have lower claim limits on some benefits.
Comprehensive travel insurance is a little more expensive, but still quite affordable for most people. A top policy will likely offer higher limits for common claims, and cover more of the 'nice to have' benefits like luggage delays, resumption of trip and more.
Butter International Travel Insurance comes with all the essentials and plenty of optional extras for those who want further coverage.
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From fire and flood to earthquake and volcanic eruption, natural disasters can cause travel chaos, but travel insurance will have you covered.
Learn how couple’s travel insurance can save you money.
This article examines what is and isn’t covered by missed flight travel insurance and also takes a look at other types of trip interruption and cancellation cover.
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One of the features of many high-end or rewards credit cards is complimentary travel insurance. Unlike standalone travel insurance policies which require you to pay a premium, these policies are offered for free to cardholders. However, keep in mind that you still need to pay your card’s annual fee and will need to use your credit card to book certain holiday costs in order to activate cover.
Similar to standalone travel insurance policies, complimentary credit card travel insurance offers cover for a host of risks you face while travelling, including overseas emergency medical expenses, cancellation fees and lost deposits, luggage and personal belongings, and legal liability.
However, just as with any other type of insurance, these policies feature a range of limits and exclusions that you should be wary of before setting off on a trip. It also pays to compare credit card travel insurance policies closely before deciding which card offers the right cover for you.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
I am an amateur photographer travelling overseas with a suite of camera equipment; what options do have for insuring a more expensive camera body and lens? My current travel insurance cover will not cover two of the most expensive pieces of equipment.
Hi Denes,
Thanks for getting in touch. You should look at our guide on travel insurance for expensive items. There are a handful of policies that will allow you to increase your cover on certain items for up to $10,000. Hopefully this helps.
Thanks,
Gary
I am traveling to Fiji for business what insurance do I need?
Hello Kel,
Thank you for sending your inquiry. :)
Please feel free to compare travel insurance for Fiji. Kindly input the travel details on the form and click “Get Quote Now” green button.
Please take note of their benefits, exclusions and fees by looking at their individual product T&Cs.
Hope this helps.
Cheers,
Jonathan