Why compare travel insurance with Finder?
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
We compare prices from more travel insurance brands than any other site in Australia
We don't ask for your phone or email to see prices
You pay the same price as buying directly from the travel insurer
How do I compare travel insurance?
Most travel insurance policies give you unlimited cover for medical expenses and 24/7 emergency medical assistance.
You can get cover for COVID-related medical expenses now and up to $5,000 towards cancellation or rearrangement costs.
It can also pay to get you on an alternative flight. Plus, many will cover your accommodation costs if your trip is disrupted.
You can get around $250 a day if your luggage is delayed by the airline. Many also cover stolen or accidentally damaged luggage.
Meet our experts
Our team of insurance experts have published over 450 guides on travel insurance and are regularly cropping up on TV shows, including Sunrise, Seven News and 10News, with the latest travel insurance tips and tricks.
Whether you're heading overseas with the family or exploring somewhere closer to home, we're passionate about helping you get the best policy for your holiday.
Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event. The majority don't do this. They only cover you for certain reasons. So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered.
Gary Ross Hunter
Finder's insurance and innovations editor
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
"Good to know – only a handful of insurers including SCTI and CoverMore can cover you for trip cancellations or changes before your journey because of an unexpected event . The majority don't do this. They only cover you for certain reasons . So for example, if your flight was cancelled or delayed for a reason not listed in the PDS, you might not be covered."
Like many others, I’ve had plenty of delays and even flight cancellations while travelling since the pandemic. Insurance has a place in these events. I've just been lucky that none of these was due to COVID. For me, taking out a policy with high benefit limits for COVID coverage offers heaps of peace of mind. I don’t know why you'd risk travelling without it.
James Martin
Finder’s insurance editor
Many people don't realise that travel insurance can include cover for your rental vehicle excess. Not knowing this means people may choose to reduce their rental vehicle excess instead of relying on their travel insurance coverage, and end up paying an additional fee to the rental car company. We recommend that you check your travel insurance policy to see if you can avoid paying the rental car company’s excess reduction fee.
Jo McCauley
CEO - Southern Cross Travel Insurance
If you can't afford travel insurance, you can't afford to travel… plain and simple. Things can and do go wrong and you want to be covered for everything from losing luggage to needing prohibitively expensive medical treatment.
Nicole Pedersen-McKinnon
Freelance finance journalist
Your claim will be voided if the insurer finds that you failed to act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.
Travel insurance will only cover you if you're riding with an Australian motorcycle licence or a valid licence in that country. You also need to be wearing a helmet and stick to a specific engine size.
This can be added when applying online. You'll find that most Australian insurers have a list of activities in the PDS which are covered for free.
If you buy your policy after a natural disaster or a pandemic becomes a "known event" (e.g. it's in the news), you typically won't be covered, with the exception of the COVID-19 pandemic.
"We recently had to cancel a trip to Europe due to a family emergency, resulting in thousands of dollars lost in tickets, accommodation bookings and more. Thankfully we had travel insurance through our credit card which made sure we were covered from when we booked. We received all money lost back in full for anything we couldn’t cancel."
The best travel insurance policies are different for each individual traveller.
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Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
If you need travel insurance that covers water sports, here’s how to find the right policy at the right price.
Beware when swimming at Byron, Ballina, Bondi and Bells.
Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
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Compare Westpac Travel Insurance, see features, and more.
A guide to understanding cruise insurance - why you need it, what's covered, and what's not.
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.
Hi, I have a very specific requirement for travel insurance – I need to find an insurer whose cancellation policy includes being able to fly home for a funeral of a family member who is both over 85 and in a nursing home. Thanks!
Hi Jen,
Thanks for reaching out! We have a page that shows travel insurance providers for family emergencies such as death. It says on the page that travel insurance can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice, and costs associated with resuming your journey at a later date. Most insurers have the following conditions:
This guide outlines the benefits and conditions that apply to trip cancellation cover, including the resumption of the journey and pre-existing medical conditions.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
Me and my partner are travelling on the same dates both to Mexico. We are flying in different flights and to different cities in Mexico. We will spend some days together and some days appart. I notice that couple insurance is cheaper than two singles. Can we buy couple and dont lose any benefit specially when making a claim? or should we buy two singles?
Hey Jose,
Thanks for getting in touch!
You’re right, getting a couples policy will generally be cheaper but you need to make sure that you read the fine print once you’ve chosen an insurer you like, to make sure that you’re covered. Generally, insurers will require that you both have the same departure and return dates, but some may also specify a certain percentage of time that you need to travel together to be eligible for a couples policy. You may find our couples travel insurance page to be helpful. Have a great trip!
Cheers,
Zahra
I am trying to find the right travel insurance for my partner and myself that will also include insurance for riding a motorcycle (125cc Yamaha NVX Moped) in Vietnam. Neither of us have a Australian motorcycle licence, BUT we both have a Class A1 Vietnamese Licence (between 50cc and 175cc). Some insures PDS state that you must have an Australian Licence and a licence for the country you are riding in. Others state that you must have an Australian licence OR a licence that you are riding in. We are just trying to find the best cover.
Thanking you.
Hi Steve,
Thank you for getting in touch with Finder.
You may start comparing your motorcycle travel insurance options. Most Australian insurers will require the driver to have an Australian motorcycle license, regardless of the country you are riding in. You will need to check with the individual insurer to see if you will be covered with a Vietnamese license. Also, not all insurers will cover a 125 cc motorcycle. Kindly go through the attached page for more info on motorcycle travel insurance.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi can I get Cancellation and amendment insurance now for a cruise in Japan that leaves in March 2020? We have paid a deposit
Hi Debbie,
Thank you for reaching out to Finder.
You may need to contact the travel insurance companies directly, as many don’t let you purchase a policy for a trip more than 12 months in advance. That said, companies like Australia Post Travel Insurance and World2Cover will allow you to book 18 months and 548 days in advance, respectively. Hope this helps!
Cheers,
Reggie
do I need travel insurance for a 5 hour transit in the US
Hi Karen,
Thanks for getting in touch! Since you will be travelling to an international country other than Australia, it is advisable to get travel insurance regardless of the period, if by land or by plane. To search for travel insurance, simply use the table at the top of this page and enter the details needed. When you’re done, click GET MY QUOTE and it will show the providers according to your requirements. As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy. Hope this helps!
Cheers,
Nikki