Travel Protect Travel Insurance review

Our verdict: Aussie insurer Travel Protect covers the basics and offers a good range of policy options including for business travel and longer trips. Trip cancellations, personal liability and luggage aren’t covered automatically.

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James Martin

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Pros

  • Get unlimited medical & hospital expenses, and 24/7 emergency help if something goes wrong on your travels.
  • Keep your policy costs in check by setting your own limits for a range of benefits.

Cons

  • Some may prefer the peace of mind of going with a more established name, such as Qantas or ahm.
  • Travel Protect's COVID Basic policy is OK but doesn't cover a lot. Its Explorer policy is far more comprehensive.

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Congratulations, Travel Protect!

Travel Protect received the following highly commended awards in the 2024 Product Awards:

  • 'Value Travel Insurance'
  • 'Comprehensive Travel Insurance'
Full list of 2024 winners

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Product AUFTI COVID-19 medical expenses Theft or damage to luggage Rental car excess insurance Standard excess
Wise and Silent International Travel Insurance - Domestic
Finder AwardExclusiveBonus
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$1,000
Optional
$100
⭐Finder Exclusive: Get 8% off a travel insurance policy with Wise and Silent. Use the promo code FINDER8. T&Cs apply.
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Wise and Silent Travel Insurance - Covid Essentials
Finder AwardExclusiveBonus
Wise and Silent Insurance logo
No Cover
No Cover
$250
⭐Finder Exclusive: Get 8% off a travel insurance policy with Wise and Silent. Use the promo code FINDER8. T&Cs apply.
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Wise and Silent International Travel Insurance - Discovery Ultimate
Finder AwardExclusiveBonus
Wise and Silent Insurance logo
$2,000
Optional
$250
⭐Finder Exclusive: Get 8% off a travel insurance policy with Wise and Silent. Use the promo code FINDER8. T&Cs apply.
Get quoteView details
Travel Protect International Travel Insurance - Domestic
Travel Protect logo
$1,000
Optional
$100
Get quoteView details
Travel Protect Travel Insurance - Covid Basic
Travel Protect logo
No Cover
No Cover
$250
Get quoteView details
Travel Protect International Travel Insurance - Explorer Ultimate
Travel Protect logo
$2,000
Optional
$250
Travel Protect is ideal for travellers who like the peace of mind of having medical expenses covered and the ability to tailor their cover for things like rental car excess and cancellation fees.
Get quoteView details
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Summary of Travel Protect's Explorer policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal EffectsCover chosen
Maximum Age Limit99

Table updated July 2024

What policies does Travel Protect offer?

There are 3 policies to choose from, depending on how comprehensive you want your policy to be. Travel Protect offers Domestic, entry-level COVID Basic policy, alongside a more extensive Explorer International plan:

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Domestic

Corona Virus

COVID Basic

Travel plane luggage passport

Explorer

Travel Protect offers a 21-day cooling-off period. The cooling-off period is the amount of time within which you can change your mind after taking out insurance – and securing a full refund.

Here's a breakdown of Travel Protect Travel Insurance

Standard features
Optional add-on
Exclusions

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Standard features

Below are some of the main policy benefits to help you work out if Travel Protect offers the right cover for your needs:

  • Overseas medical expenses – unlimited
  • Funeral expenses abroad – up to $10,000 with COVID Basic or up to $20,000 with Explorer if you pass away while on your travels
  • Hospital benefit – up to $50 per day (up to a maximum of $500 with COVID Basic or up to $5,000 with Explorer)
  • Airfare reimbursement – up to $2,500 (Explorer only)

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Optional add-on

  • Trip cancellation cover – Select up to $10,000 (with Domestic), $4,000 (with COVID Basic) or $40,000 (with Explorer) in case you're forced to change your plans for a reason that's stated in your policy
  • Personal liability – cover for up to $2.5m in damages, bodily injury or death which you cause to third parties, including legal expenses (Domestic and Explorer only)
  • Travel delay – up to $1,000 (Domestic) or $2,000 (Explorer) if your plans go awry due to an unforeseen reason
  • Lost or stolen luggage – Choose up to $5,000 (Domestic) or $10,000 (Explorer) to cover your lost, stolen or damaged items including belongings such as your laptop, phone, camera and travel documents
  • Rental vehicle excess – pays up to $6,000 (Explorer) or $8,000 (Domestic) if your hire car gets damaged or stolen
  • Personal accident – up to $50,000 (Explorer only)
  • Pet boarding – up to $200 per day, capped at $1,400 if your trip back to Oz is delayed (Explorer only)
  • Cruise Pack. Get covered for emergency medical expenses and more before you set sail. (Explorer only)
  • Snow Pack. Cover in the event you injure yourself, or damage your equipment, or a ski run is closed, while skiing or snowboarding. (Explorer only)
  • Motorcycle / Moped. Protect yourself and your bike from the unexpected. (Explorer only)

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Exclusions

A range of events won't be covered by your Travel Protect Travel Insurance. Some general policy exclusions include:

  • Any pre-existing condition that's excluded from your policy
  • Pregnancy after the 24th week; or the 19th with twins, triplets, etc.
  • Antenatal care
  • Activities which need to be covered through a policy add-on with Travel Protect
  • Indirect losses, such as loss of enjoyment or business opportunity
  • A criminal or dishonest act by you or a person with whom you're in collusion
  • Loss from, or related to, impairment due to alcohol
  • Acts of war
  • Going to a country with a "Do not travel" warning from the government

Be sure to read Travel Protect's PDS for more information on policy exclusions and restrictions.

Here's the bottom line about Travel Protect

Travel Protect offers 2 straightforward travel insurance policies. By choosing its Explorer policy, you'll have plenty of options to boost your cover (for an added fee). This includes cruise, ski and motorcycle insurance packs. Keep in mind you must set your own trip cancellation, personal liability and luggage cover limits – among others. Remember to fix these at amounts which will bring you plenty of peace of mind ahead of your travels.

Even if you've not yet heard of Travel Protect, it's good to know they've partnered with the tech platform battleface, which is active in more than 185 countries globally.

If you're still unsure about Travel Protect, review more travel insurance providers in Australia.

Frequently asked questions

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Written by

Editor

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 212 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
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