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Travel Insurance quotes are provided by a selected broker from our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.
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What can travel insurance cover?
Travel insurance can help with unexpected costs before or during a trip, such as cancellation expenses, lost baggage or overseas medical treatment. The protection available depends on the policy and your travel plans.
Travel insurance may include cover for loss of or damage to baggage and personal effects, cancellation fees, lost deposits, overseas emergency medical, hospital or dental expenses, and additional accommodation or travel expenses, subject to the policy terms, conditions, limits and exclusions.
Some travel insurance policies may also include features such as a hospital cash allowance, accidental death, permanent disability, or other optional benefits.
Travel insurance may also include cover for items such as travel documents, credit cards, travellers cheques, theft of cash, personal liability, and rental vehicle excess, depending on the policy.
How to compare travel insurance for your trip
Compare the premium alongside the benefits, cover limits and excesses, rather than price alone. Read the Product Disclosure Statement (PDS) carefully to understand what is covered, what is excluded and whether the policy suits your circumstances.
- Check that your destinations, travel dates and planned activities are covered. Cruises, skiing and other adventure activities may require additional cover or be excluded.
- Check how the policy treats pre-existing medical conditions and answer the insurer's medical questions accurately. Ask whether any conditions require assessment or are excluded.
- Review the covered reasons for cancellation, when cancellation cover starts, and exclusions relating to known events, travel warnings or infectious diseases.
- Look at baggage item limits, valuables restrictions and unattended-property exclusions, as well as the overall benefit limit.
- If considering an annual multi-trip policy, check the maximum length of each trip and any destination restrictions.
Costs and claims considerations
Premiums can vary with your destination, trip length, age, medical circumstances and selected cover. Check the cost of optional benefits and how your chosen excess affects both the premium and what you may need to pay towards a claim.
Keep your policy details and the insurer's emergency assistance contact information accessible while travelling. Check the policy's notification requirements and whether approval is needed before incurring particular expenses. Keep receipts, booking records and any relevant medical, airline or police reports to support a claim.
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Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.
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