travel insurance saver reviews australia

Travel Insurance Saver reviews

• date reviewed
• overall score
• customer experience
• value for money
• claims experience

Excellent service

The gentlemen at travel insurance saver tend to be very caring when they speak on the phone, and they...

Easy travel insurance

Was very easy to purchase travel insurance through these guys, all I had to do was give them a call a...

Great Travel Insurance

Every time I travel I use travel insurance saver, their friendly staff and easy to use website are id...

Good experience

I had a good experience with these guys, they had a good demeanor and were very helpful, would go aga...

Exactly what i wanted for ...

Loved it , the process was easy,the price was right and the cover was exactly what i wanted. Highly r...

Great service no problems

All went well was great service and didn’t cost an arm and a leg, when I had a question it was sorted...

Always travel with TIS

Have used when half a dozen times now, never had an issue. Easy to talk to as well with you have any ...

Awesome customer service

The staff I talked to were very friendly and helpful, made the process really easy and were well pric...

Fantastic self service web...

Was surprised at how easy it was to get my own quote, and I am not much for computer use!

So happy I picked these gu...

I wasn't sure what insurance I needed for my trip to Cambodia but these took the time to explain ...

Be careful on its policy w...

To be cautious that its definition of trip means "pre-paid scheduled public transport or rental v...

Great level of cover for t...

Compared 5 or 6 policies, but this one was by far the best for the price. Happy to recommend

Great insurance provider, ...

Really easy to get a price and take out the insurance. Great rates and very easy to make contact with...

Quick, easy, great custome...

Got a good deal of info on options and a great deal for price. Highly personable with great customer ...

Great price, hassle free c...

So glad we went with Travel Insurance Saver! They were one of the cheaper providers, and when we had ...

Great service

Customer service was very helpful with assisting with some questions I had before travelling. Would ...

Great help - affordable pr...

My husband and I recently went on our honeymoon to Mexico, and the staff at Travel Insurance Saver we...

Travel Insurance Saver travel insurance reviews

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Very good.help fully

Date of experience : 06 December 2021

Booking Travel insurance with peace of mind

Affordable, friendly staff, last minute insurance arrangements made easy and stress free. Highly recommend dealing with this company, better coverage than most providerS , and great customer care!

Date of experience : 23 March 2019

Excellent with Great Savings

Great website, I was able to find exactly what I was looking for and it is easy to compare plans side by side. End up saving a couple of hundred by buying online which was pretty cool. Thanks :)

Date of experience : 29 November 2016

Cheap and cheerful

Much cheaper policies with the same coverage as big brands. Service was excellent too, very happy. Will use again.

Date of experience : 14 December 2016

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Travel Insurance Saver Australian Travel Plan review

Lloyds insurance provider..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how likely consumers were to bring a travel insurance dispute to AFCA about them.

In years (up to and including given number).

Limit per person for cancellation or amendment expenses.

No means 'not covered'. Cover is assessed on individual circumstances.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness').

Cover limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Cover limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed.

Cover is assessed on individual circumstances.

Limit per person for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered.

Limit per person per 24 hour period for this transport delay. No means 'not covered'. Cover is assessed on individual circumstances.

The overall limit per person for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera.

Limit for a laptop or tablet.

Limit for a smartphone.

Overall limit for a single person for baggage lost temporarily.

No means 'Not covered'. Cover is assessed on individual circumstances.

Overall limit for a family for baggage lost temporarily.

The minimum period of time in hours before which cover applies for temporarily lost baggage.

Cover collision damage excess for a hire car.

Limit for collision damage excess for a hire car.

Average rating

Compare domestic travel insurance | choice, everything you need to know about travel insurance.

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Best travel insurance in Australia April 2024

We analysed 50+ travel insurance policies so you don't have to – check out our shortlist or compare quotes to find the best travel insurance for you..

• Get an online quote in just a few minutes
• Free cover for dependent kids, under 21 travelling with you
• Optional add-on cover for your valuables

• Health members get 15% off
• Cheaper than average
• COVID cancellation

• Covers children up to age 25
• Kids travel for free
• COVID cover included

• Claim up to $5,000 for COVID cancellations
• Claim up to $50,000 for cancellation costs
• $7,500 rental car excess cover

In this guide

Compare quotes to find the best travel insurance for you

Get help finding the best travel insurance policies, why you can trust our research, great for value, great for covid cover, great for families, great for domestic travel, looking for the best travel insurance in australia, tips to find best travel insurance with covid cover, best travel insurance faqs.

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Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards , customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.

Show summary

• Great for value: Southern Cross Travel Insurance
• Great for COVID cover: Medibank travel insurance
• Great for families: World2Cover
• Great for domestic travel: InsureandGo

Insurance plans analysed

PDS features analysed

Recent travelers surveyed

2.6 million

Quotes served since 2014

Pros and cons

• It's affordable compared to other popular insurers including Cover-More and Allianz.
• Its PDS is much easier to understand compared to the other 28 other international policies we looked at.
• High customer ratings on Finder (4.16/5) and other popular review websites such as product review (4.7).
• Our awards data suggests Fast Cover and Medibank tend to be slightly cheaper.
• Customers rated Tick more highly in the Finder Customer Satisfaction Awards.
• $2,500 cap on cancellations is low and risky for expensive trips. For example, it's unlimited with Fast Cover.

How Southern Cross Travel Insurance compares

*Example quote based on a single 40-year-old travelling to Bali for 2 weeks. Comprehensive policies. Data collected in October 2023.

Why we picked it

SCTI has one of the best claims experiences and an easy-to-read PDS. It's not just us that thinks so. It earned a finalist spot for General Insurance Claims Team of the Year at The International Travel & Health Insurance Journal Awards and won the Best Plain English Legal Document at the most recent Plain Language Awards.

SCTI also received a mere 3 complaints to the Australian Financial Complaints Authority (AFCA) in the latest period. By comparison, Mitsui, which underwrites insurers including InsureandGo, received 47. Very large insurers such as Zurich and AWP (Allianz) received 325 and 95.

It's also consistently good value. On average, it's one of cheapest comprehensive travel insurers, according to our 2023 Finder Awards research. Out of 28 policies, only Fast Cover and Medibank were marginally cheaper.

The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays , Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.

• $10,000 cap for COVID cancellation costs and unlimited medical expenses.
• It's cheap – $233 less than average, according to 300+ quotes we gathered.
• 15% discount for health members (making it the cheapest out of 28 policies).
• ahm and Travel Insurance Saver also cover up to $10,000 for cancellations.
• Only Medibank and ahm health members can access discount.
• $15,000 cap for luggage. SCTI and Cover-More have a $25,000 cap.

How Medibank Travel Insurance compares

Out of 19 comprehensive travel insurance policies, Medibank was one of three to come with a $10,000 cap on COVID related cancellations. ahm and Travel Insurance Saver also cover COVID related cancellations. However, Medibank has a higher Finder Score.

Additionally, our research showed a Medibank international policy cost $353 on average for a 2-week trip overseas. That's $233 cheaper than average, according to our research of 28 policies. It's even cheaper if you're a Medibank or ahm member. It could knock $53 off a $353 policy.

World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.

• Can cover kids up to the age of 25
• Up to $3,500 Covid cancellation cover per person – that's more than SCTI and Cover-More
• Unlimited cancellation cover
• Its underwriter received 43 complaints to AFCA – 21 more than Chubb and 40 more than SCTI (similar sized insurers)
• $5,000 rental car excess is lower than some e.g. Southern Cross ($10,000) and Allianz ($6,000)

How World2Cover Travel Insurance compares

*Example quote based on two 40-year-olds travelling to Bali for 2 weeks with 3 children aged 14, 12 and 7. Comprehensive policies selected. Data collected in October 2023.

Out of 20 travel insurers, World2Cover was one of the only brands to cover children up to the age of 25. It also doesn't have a limit on how many dependents can travel for free. Allianz can also cover kids on a family policy. However, it typically cost more in our research.

• It's very cheap. Out of 23 insurers, it's $180+ less than average.
• Get 10% off your travel insurance policy, using the code Finder10.
• Up to $7,500 towards car rental excess cover. That's $2,500 better than most.
• We found its PDS can be confusing and hard to understand.
• Cover-More, Fast Cover and SCTI also offer reasonably priced domestic policies.
• You absolutely need to read the PDS beforehand. There are lots of conditions attached to every benefit.

How InsureandGo Travel Insurance compares

*Example quote based on a single 40-year-old travelling in Australia for 1 week. All are domestic policies. Data collected in October 2023.

It's competitively-priced and won Finder's 2023 Best Domestic Travel Insurance Award. We looked at 23 domestic travel insurance policies as part of the awards and scored the same 14 features for every policy. These benefits included COVID rearrangement costs, theft or damage to luggage and rental car excess cover.

InsureandGo scored highly for a number of benefits including rental car excess cover, COVID cover, cancellation cover and luggage cover. You get up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs and $7,500 for rental car excess cover.

Similarly, it's good if you plan to rent a car while you're away. InsureandGo's top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident. The average is $5,000. This sometimes isn't enough to cover the excess rental car companies charge.

It is also cheaper on average. Overall, it ranked in first place.

Top 5 policies in travel insurance – domestic

• InsureandGo Gold Domestic
• Australia Post Domestic Travel Insurance
• Cover-More Domestic Comprehensive Travel Insurance
• NRMA Domestic Comprehensive Travel Insurance
• Southern Cross Domestic Travel Insurance

Its main drawback is its Product Disclosure Statement which contains lots of conditions and could leave room for instances where you won't be covered. For example, it can cover cancelling your trip before departure but only for a specific number of reasons. These include: " your unforeseeable death, injury or illness; you have to go to court to be a witness or be on a jury (but not as an expert witness); there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle (This only applies to self-drive holidays). "

Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.

Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics . That's an annual increase of 500,000+ people.

To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.

Tom's trip to the UK

I've got family in the UK, so I've travelled there a few times over the last decade. The UK has reciprocal healthcare arrangements with Australian citizens but it's no help with cancellations or lost luggage, specifically due to COVID, which we've had issues with in the past. Luckily, our travel insurance policy covered us.

Most travel insurers offer COVID cover now and most will cover you for similar COVID-related travel expenses . However, there are still some things you can do to make sure you're getting the right policy for you:

Take out cover for all travellers

Whether you're travelling with your partner or the whole family, make sure that you add them to the insurance policy. That way, if someone catches COVID but you don't, you'll still be covered for expenses.

Get a policy as soon as you book your trip

That way, you're covered if you get sick and need to cancel. A few insurers including Cover-More and Easy Travel Insurance also won't accept COVID-related claims within 21 days of your trip, so make sure you take out cover at least 3 weeks before you jet off.

Check the exclusions

It can be tedious but make sure you give the exclusions in the PDS a read before you buy. For example, you won't be covered for costs related to border closures. It means that you might be out of pocket for prepaid accommodation or booked airline tickets if the government of that country imposes a lockdown.

Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.

Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.

Their insurer, Southern Cross Travel Insurance , covered just under $3,000 in costs . The family paid a $500 excess to claim on 2 events.

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Why you can trust Finder's travel insurance experts

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We're here to help

What's the best travel insurance with covid cover.

All the top picks we've selected come with COVID cover but Fast Cover goes a little further than most. Like many other insurers, it can help pay for COVID-related medical expenses, cancellation costs and additional accommodation. It can also cover childcare costs and medical evacuation.

How far in advance should I buy travel insurance?

It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.

Is it best to get a single trip or annual policy?

Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip ( annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

But be aware, annual plans have been a little harder to come by since the pandemic.

What's considered a pre-existing condition for travel insurance?

Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.

What's the best travel insurance for Bali?

There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.

What's the best travel insurance for the US?

The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

• Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
• Resumption of journey. This can help pay you to get home if you're very sick.

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).

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You will receive a welcome email shortly, australia's best travel insurance for april 2024.

Whether in 2024 you’re planning a resort holiday in Fiji, voyaging on a cruise , or hopping on a plane to Europe , it’s important to consider packing travel insurance .

But how could you go about finding the best policy? What features and perks could your holiday need, and which providers stand out for amazing coverage? 

That’s where the Mozo Experts Choice Travel Insurance Awards come in. 

Every year, Mozo’s expert judges compare dozens of travel insurance providers to see which ones fly above and beyond in terms of quality and value. Providers offering the best coverage take home a Mozo Experts Choice Travel Insurance^ win. 

“Finding a policy may be a bit daunting, especially when policy features and costs can change depending on where you’re going and what you’re doing,” says Mozo Experts Choice Awards, Judge Peter Marshall. 

“We wanted to examine everything across a range of holidays, head-to-head, to help Australians find the best value cover, and award those providers offering the best travel insurance.”

So without further ado, here are the winners crowned in 2024, along with some of the latest deals for this month highlighted by our editor's – and some expert tips on how you could find the best policy for your trip.

Expert recommendations: Mozo Experts Choice Award-winning best travel insurance policies

Each year, the Mozo Experts Choice Awards recognise travel insurance providers for having the most outstanding performance to suit the needs of different types of travellers. 

Categories include Exceptional Value and Exceptional Quality for various policy types, from comprehensive, multi-trip, cruise, ski, and basic coverage. 

Policies ranked highly for their quality are those that boast the most generous coverage (i.e. comprehensive travel insurance). Policies with great value offer a minimum level of coverage for the lowest price. 

Our expert judges look at many factors when evaluating a travel insurance policy for an award, especially:

• Price , including any excesses and limits, and how premiums vary based on the holiday.
• Coverage , including benefits and exclusions.

The insurance company with the most standout wins for both quality and value will receive the prestigious Travel Insurance Company of the Year ^ award.

Judges also compare how well a policy travels for different popular destinations and kinds of trips so we can nail down the best picks for as many types of holidays as possible.

Check out the Mozo Experts Choice Travel Awards^ methodology report for 2024 to see how judges made their choices.

As always, every travel insurance policy will have its terms and conditions laid out in the product disclosure statement (PDS). Be sure to read the PDS properly and thoroughly before signing up!

• Freely - International Travel Insurance
• Customisable, flexible coverage through the Freely app
• 10% off with a Mozo exclusive discount

Why it won:  For those looking for sheer convenience, it’s hard to beat Freely’s all-in-one travel app. Customise this flexible policy by adding or taking away extras and coverage as you need it to suit your holiday. Friends suddenly invite you whitewater rafting? Add adventure sports cover (with conditions). Optional extras include gadgets, snow sports, cruise, motorcycle cover, and more. For a limited time, you could also nab 10% off your policy with the Promo Code “MOZO10” (T&Cs). Freely's travel insurance policies won two Mozo Experts Choice Travel Insurance Awards^ in 2024.

• Zoom Comprehensive Travel Insurance
• Unlimited 24/7 emergency assistance
• Optional extras for car rental or sports activities (T&Cs)

Why it won:  Zoom’s Comprehensive Travel Insurance provides 24/7 emergency assistance to help protect you from unexpected events on your holiday. It also covers you for medical emergencies, trip cancellation, lost luggage, family emergencies and even more. Zoom picked up an award for Exceptional Value Essential Travel Insurance making it a a great choice for travellers looking for a great value package.  Add optional cover for extras such as Rental Vehicle Excess if you are hiring a car or a Sports Activities Pack if you’re feeling adventurous.

• Travel Insurance Company of the Year - World2Cover
• Multiple Mozo Experts Choice Awards^ winner in 2024
• Unlimited emergency, cancellation, and medical cover (T&Cs)

Why it won: World2Cover’s comprehensive Top policy picked up wins for both Exceptional Value and Exceptional Quality Travel Insurance for the second year in a row, making it the obvious candidate for this prestigious crown. With unlimited emergency, cancellation, and medical cover (with conditions), World2Cover makes an extremely competitive choice for travellers hunting the most inclusions for the best value. 

Standout perks include coverage for 38 pre-existing conditions (including migraines and sleep apnea), rental car excesses, and up to $2,000 for overseas dental treatment (all with T&Cs). Plus, many amateur and outdoor sports, like bungee jumping, can be covered at no extra cost (T&Cs).

• Southern Cross Travel Insurance - International Comprehensive Family
• Unlimited medical and evacuation cover (T&Cs)
• Optional extras for snow sports and motorcycle cover (T&Cs)

Why it won:  Whether travelling alone or with your family, this single-trip comprehensive insurance policy aims to please with some great standard features. Unlimited medical and evacuation cover headline the policy, and you have the option to increase cancellation to unlimited (though this will add to your premium). Travelling solo overseas for less than two days? Southern Cross claims your premium could cost less than a meal. Unfortunately, pre-existing conditions aren’t automatically included, but you can apply to have them added with a medical assessment for an additional premium (with conditions). Southern Cross Travel Insurance also won two Mozo Experts Choice Travel Insurance Awards^ in 2024.

• Travel Insurance Saver - Bare Essentials
• Unlimited overseas medical coverage (T&Cs)
• Up to $2,500 emergency cancellation and $2,000 lost luggage and effects coverage (T&Cs)

Why it won: Underwritten by NIB, this impressive essentials policy performed well in terms of Exceptional Value ^.

While limits apply, eligible expenses you could claim under this policy include emergency cancellation, lost luggage , and replacement passport and travel documents coverage (T&Cs).

• Cover-More - International Comprehensive+
• Multiple Mozo Experts Choice Award^ winner in 2024
• On- and pre-trip cover if you’re diagnosed with COVID-19 (T&Cs)

Why it won: This ultra-comprehensive policy impressed judges enough to nab the same two wins in 2023 and 2024 – one for Exceptional Quality and another for Exceptional Quality Annual Multi-Trip. 

With generous coverage for a range of misadventures, including pre and on-trip COVID cover, up to $25,000 for lost or stolen luggage, unlimited overseas medical expenses, and special business trip benefits, Cover-More packs a punch for the holidays (T&Cs). You can also tailor your policy with optional extras like the Cancellations Extensions add-on to extend your coverage.

Editor’s Picks: Top travel insurance policies for April 2024

Jump to our top picks, fast cover - comprehensive policy, australia post comprehensive travel insurance, australia post - comprehensive travel insurance, flight centre - international plus single trip, racv - comprehensive travel insurance.

• Generous and flexible optional extras
• 43 pre-existing conditions automatically included (T&Cs)

Editor’s Pick: Looking for a solid all-rounder with amazing medical and COVID-19 benefits? Fast Cover’s comprehensive travel insurance policy makes a compelling option. Customers can select their cover based on region, activities, trip duration, and a host of optional extras like cruise, motorcycle, adventure, and rental vehicle excess insurance to tailor their plans for their holiday needs. Got any pre-existing medical conditions? Fast Cover offers cover for many pre-existing medical conditions, you just need complete a simple medical screening during the application process.

The comprehensive policy includes unlimited medical and cancellation cover, with unlimited medical cover if you’re diagnosed with COVID-19 and a 5,000 limit for cancellation fees if you contract the virus and need to pull out of a leg of your journey. Keep in mind sub-limits, exclusions, and conditions apply, so make sure to read the PDS before signing up.

• 24/7 emergency support
• Get a quote in minutes

Editor’s Pick:  If you’re looking for cover from a name you can trust, Australia Post International Comprehensive Travel Insurance covers overseas medical expenses, cancellation costs and more (T&Cs apply). You can also get optional extras like cover for existing medical conditions and winter sports to tailor cover to your needs. Plus, you can also reduce your premium with your choice of excess.

Customer favourites: Best travel insurance from Mozo People’s Choice Awards

Expert recommendations are amazing, but what do real travellers think is the best insurance? Thankfully, the 2023 Mozo People’s Choice Awards have landed.

Mozo asked 836 of your fellow Australians which travel insurance providers they rate highly across a range of categories, from customer satisfaction and service to trustworthiness, sign-up and claims experiences, and whether they’d recommend them to a friend.

Winners were then given a Mozo People’s Choice Award, making them some of the best providers around (and in the air).

Compare winners from the latest awards below.

• Five Mozo People’s Choice Awards for 2023
• Flexible excess

Why it won: Sending yourself overseas? Australia Post has developed a first-class comprehensive international travel insurance policy that took home five Mozo People’s Choice wins in 2023. Aussies rated this provider highly for customer satisfaction and service, as well as easy sign-up experience and Most Recommended. And no wonder: Australia Post reckons you can get a quote in minutes. Tailor your policy by choosing your excess and level of coverage; the comprehensive plan comes with unlimited overseas medical and additional emergency expenses coverage, as well as benefits like money to resume your trip if cancelled for eligible reasons (T&Cs apply).

• Two Mozo People’s Choice Awards for 2023
• Automatically included adventure activities (T&Cs)

Why it won: Flight Centre has long been in the plane ticket game, but did you know you can also take out comprehensive international travel insurance through it? With two 2023 Mozo People’s Choice Awards for Sign-up Experience and Most Recommended, there’s plenty to check out before checking your luggage with Flight Centre. The International Plus Single-Trip policy includes unlimited overseas medical and emergency expenses coverage and handy benefits like automatic adventure activities coverage for certain activities and the ability to increase sub-limits for certain belongings and rental car excess (with conditions).

• Domestic pet cover (T&Cs)

Why it won: Voted both Highly Trusted and Most Recommended at the 2023 Mozo People’s Choice Awards , RACV flies high with this excellent option for comprehensive coverage. Benefits include unlimited overseas medical, emergency expenses, and cancellation covers, plus line items for luggage, travel documents, and even domestic pet cover (conditions and limits apply).

More best travel insurance winners

Here’s the full list of winners for the Mozo Experts Choice Travel Insurance Awards^ for 2024, broken down by category. 

BEST VALUE TRAVEL INSURANCE

If your travel budget is tight, weighing up the value you’re getting in a policy is crucial. This year, Mozo’s expert judges wanted to highlight great value plans to make the comparison process easier.

From medical-only and essentials cover to more comprehensive and annual multi-trip policies, these providers offered a required set of inclusions at the best prices. 

• Exceptional Medical Only coverage winners simply needed to have unlimited emergency overseas medical cover, including unlimited COVID-19 medical cover. 
• Essential coverage winners needed to have at least $2,000 coverage per traveller for personal items and $2,500 cancellation coverage, plus unlimited medical coverage. 
• Comprehensive, ski, cruise, and annual multi-trip coverage winners needed at least $7,500 of luggage cover per person, plus $15,000 cancellation cover per adult. Policies must also have unlimited COVID-19 coverage and at least $2,500 each for additional expenses and cancellations. Multi-trip policies were also assessed for a single traveller jet-setting for 30-day trips in a 12-month period.

Mozo’s expert judges also assessed some providers based on the value they offer vacation activities like snow sports or cruise travel . 

Check out the winners below.

Exceptional Value Medical Only Travel Insurance

These policies were the best value medical-only travel policies, based on the judges’ criteria.

• Australia Post – Basic policy
• Southern Cross Travel Insurance – International Medical Only policy

Exceptional Value Essential Travel Insurance

Want a little more coverage, such as lost luggage, on top of medical cover? Our expert judges thought these policies were winners.

• Freely – International Travel Insurance policy
• Tick Travel Insurance – Standard policy
• Travel Insurance Saver – Bare Essentials policy
• Travel Protect – Explorer policy
• WAS Insurance – Discovery Ultimate policy
• Zoom – Standard policy

Exceptional Value Comprehensive Travel Insurance

If you’re after the most coverage for the best value, these comprehensive policies are worth a look!

• Chubb Australia – Prestige Single Trip policy
• InsuranceandGo – Gold policy
• Tick Travel Insurance – Top policy
• World2Cover – Top policy

Exceptional Value Annual Multi-Trip Travel Insurance

Heading to a few destinations in 2024? These multi-trip policies nabbed best value crowns.

• ahm – Annual Multi-Trip policy
• Medibank – Annual Multi-Trip policy
• NRMA – Comprehensive Annual Multi-Trip policy
• Qantas – Annual Multi-Trip policy
• Southern Cross Travel Insurance – Multi-Trip policy

Exceptional Value Cruise Travel Insurance

Cruisin’ should be breezy! Mozo’s expert judges thought these winners earned their best value cruise wins. 

• AllClear – Gold Plus
• Chubb Australia – Prestige Single Trip
• Qantas – International Comprehensive policy
• World Nomads – Explorer Plan

Exceptional Value Ski Travel Insurance

Hittin’ the slopes? Mozo's expert judges say these policies shouldn’t hit the wallet. 

• Medibank – Single Trip policy

BEST QUALITY TRAVEL INSURANCE

Some travellers want the best possible insurance, no matter the cost. That’s why Mozo’s expert judges analysed policies with the broadest and most generous cover for the Exceptional Quality travel insurance awards for comprehensive and multi-trip policies.

Exceptional Quality Travel Insurance

• Cover-More – International Comprehensive+ policy
• Flight Centre – YourCover Plus policy
• Kogan – International Plus policy
• NRMA – Comprehensive Plan policy
• RAA – Premium policy policy
• RAC – Comprehensive policy
• RACQ – Premium policy
• RACT – Comprehensive policy
• RACV – Comprehensive policy
• Webjet – Top policy

Exceptional Quality Annual Multi-Trip Travel Insurance

• Cover-More – Multi-Trip International Comprehensive+ policy
• Webjet – Travel Safe Plus policy

What travel insurance do I need?

When finding the best travel insurance policy for yourself, it’s important to compare as many different policies as possible. But what if you’re not sure where to start? Let’s break down the tiers and types of travel insurance on offer. 

Travel insurance policies vary based on where you’re going and for how long. For example:

• Domestic travel insurance can be great if you’re just exploring Australia.
• International travel insurance can be great for a once-off trip abroad.
• Multi-trip travel insurance can be great if you’re making more than one trip, locally or abroad (usually within the same year).

Once you’ve picked the kind of travel insurance you’re after, providers will usually offer multiple tiers (or levels) of coverage, such as medical only, essentials, or comprehensive insurance.

You may also be able to get complimentary credit card travel insurance , which comes as a perk of your credit card.

Travel insurance policies can also include optional extras that tailor your coverage for specific holidays, like backpacker travel insurance or senior travel insurance .

Many clues can point to a travel insurance policy ranking among the best – exceptional price, excellent coverage, and a thumbs-up from fellow Aussie travellers . But the best indicator that a policy rocks? It’s the best for you. 

When comparing travel insurance policies, assess them like you’re giving out your own award: the win of your business! Read through the PDS, send for quotes, and ask yourself questions like:

• Does this policy cover my holiday needs?
• Is this within a price range I’m happy with? ( Cheap travel insurance has trade-offs). 
• Would I feel comfortable working with this provider when the worst happens?

If the answer is ‘yes’, you could be on to a winner.

Other considerations are important, too, however, especially the nitty-gritty details. For example:

• Do you have to meet any terms and conditions before they settle your travel claim ? 
• Is there an excess to pay? 
• Are there any other perks, too, like frequent flyer points? 
• Do you have pre-existing conditions that could impact your coverage? 

Because every situation is different, not every travel insurance policy is the best for everyone. Some people want an affordable price, while others want the most coverage, no matter the price. 

Comparing what’s on offer can help you determine which travel insurances offer you the best value and quality for your holiday.

FAQs about travel insurance

While not mandatory in Australia, travel insurance can be a useful financial tool to have in your back pocket. The right level of coverage could help your finances weather all kinds of unexpected emergencies, from medical treatment to flight cancellations.

Some overseas destinations have made basic travel insurance mandatory for entry at the border (usually to cover the costs associated with treating COVID-19). 

The best travel insurance coverage for you will depend on your needs and holiday. For instance, if you’re a relatively low-risk traveller who can pay for unexpected costs like flight cancellations or lost luggage out-of-pocket, a basic or essentials-only travel insurance policy could suit you. 

However, if you’re looking for the most protection possible, or you’re doing adventurous travel activities like skiing, comprehensive travel insurance might be a better option. Comparing multiple policies can give you an idea of the coverage and value available to your situation.

Travel insurance prices depend on the policy, provider, excess, level of coverage, and destination you choose. Your price may also vary if you’ve included optional extras or expanded your limits for personal items like an expensive smartphone or to cover a pre-existing medical condition. 

Mozo found the average cost for different travel insurance policies ranges from roughly $90 to well over $1,000, depending on the needs of the trip. Most settled between $200 - $400.

Forgetting to buy travel insurance before leaving  can be inconvenient, but there are options. Some policies may not cover trips already in progress: read the product disclosure statement (PDS) and get quotes to see what benefits, costs, and exclusions you could get. 

If you have a credit card, it’s also worthwhile investigating to see if you can get free travel insurance through your credit card company. Many will have activation requirements, like proving you’ve paid a certain amount of travel costs with your card.

Compare international travel insurance policies below.

Compare international travel insurance - last updated 15 April 2024

Mozo experts choice awards won:

• Exceptional Value Ski Travel Insurance - 2024
• Exceptional Value Essential Travel Insurance - 2024
• Exceptional Value Comprehensive Travel Insurance - 2024

International Travel Insurance

Covid medical cover, covid cancellation cover, overseas hospital, cancellation cover.

Get protection in a few simple steps with Freely travel insurance all in the palm of your hand. Freely Travel offers 24/7 emergency and medical support, 24/7 customer service. Plus, you can tailor your policy so you only pay for what you need, and adapt your cover in near real time. Add-ons such as car rental excess, snow sports or other activities also available. Receive 10% off your travel insurance policy with promo code: MOZO10. T&Cs apply, go to site for full detail.

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

To see the Pre-existing Conditions and Activities covered by this policy please visit our detailed page about this product.

Comprehensive

Enjoy unlimited medical cover and 24/7 emergency assistance services when you travel. Get unlimited cover for cancellation fees and prepaid travel expenses. Cover for luggage and travel documents. $5,000,000 personal liability cover.

Backed by the NIB, one of Australia’s largest travel insurance providers, Travel Insurance Saver brings you peace of mind on your travels. Compare three tiers of insurance cover, featuring benefits like 24 hour emergency assistance, emergency medical cover, luggage cover, cancellation cover and more.

• Exceptional Value Annual Multi-Trip Travel Insurance - 2024

International Comprehensive Single

Enjoy the security of single trip cover on your next holiday with Southern Cross Travel Insurance. Get 24 hour emergency assistance, cover for cancelling or changing your journey before you leave, protection for lost, stolen or damaged goods as well as cover to replace lost or stolen cash, banks or travel documents. Be in to win 1 of 5 $1,000 cash prizes! T&Cs Apply. Offer ends 30 September 2023.

• Exceptional Quality Travel Insurance - 2024
• Travel Insurance Company of the Year - 2024

Be covered for international overseas and medical expenses. Emergency medical assistance 24 hours/365 days a year. Cover for cancellation fees and lost deposits. Cover for luggage and personal money. Dependents covered free of charge (conditions apply). Limited COVID cover available. Cancellation cover for COVID claims limited to $3,500.

^See information about the Mozo Experts Choice Travel Insurance Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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• Annual Travel Insurance
• Cruise Travel Insurance
• Family Travel Insurance
• Seniors Travel Insurance
• Ski Travel Insurance
• Budget Direct
• Fast Cover Travel Insurance
• Insure4Less
• InsureandGo
• Simply Travel Insurance
• Ski-Insurance
• Travel Insurance Saver
• Travel Insuranz
• Wise Traveller
• Zoom Travel Insurance
• See more companies...
• Travel Insurance Tips
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• Write a Review

Travel Insurance Reviews

Our travel insurance reviews are here to help! Hundreds of Aussies have had their say on everything from claims handling to customer experience. Write a review today to be in with a chance to win $1,000!

Search all reviews:

I subm itted a claim and I showed how much came out in AUD. However 1Cover used their own 'exhang...  Read more

I subm itted a claim and I showed how much came out in AUD. However 1Cover used their own 'exhange rate' and reduced it massively. I had to submit the same information at least 3 times and was treated like my claim was not legitimate. The excess on every seperate claim is also criminal. I will not longer take out Travel Insurance and will just use the complimentary Credit Crad Insurance. It is not worth the headache or the money

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Better to be safe than sorry

Purchased when holiday was booked. Easy to purchase. Piece of mind. Grateful not to have used it, bet...  Read more

Purchased when holiday was booked. Easy to purchase. Piece of mind. Grateful not to have used it, better to be safe than sorry!

Great cruise cover

I chose 1Cover for cruise travel insurance. I read the PDS and was happy with the extra things they ...  Read more

I chose 1Cover for cruise travel insurance. I read the PDS and was happy with the extra things they cover in comparison to other cruise travel insurance policies. I am glad I read and compared policies because our original cruise itinerary was changed due to the weather. I claimed 3 missed ports. The process was quick and easy and could be done using my mobile phone meaning I didn't need to wait until I got home. My claim was processed and accepted within 48 hours and payment into my account within 2 working days. I highly recommend using 1Cover

Avoid at all costs!

This company will do anything to weasel out of paying resonable claims. They have no care for the con...  Read more

This company will do anything to weasel out of paying resonable claims. They have no care for the consumer. We became very sick on our honeymoon and had to return home and they wouldn’t cover our flights. They went to the length of paying a external mediation company $1500 in fees to deal with our complaint rather than paying us the $1700 that was owed for the flights. Disgraceful!

Strike action plus insurance equals grateful policy holder

Rampant inflation in Argentina resulted in a general strike grounding most airlines in Argentina in l...  Read more

Rampant inflation in Argentina resulted in a general strike grounding most airlines in Argentina in late Jan 24. Extra night at Gran Melia wasn't cheap, neither the rescheduled flight on 25 th Jan. My wife and I have travelled extensively and this is the first occasion we have had to make a claim. Never did I doubt 1Cover or the cost of always taking comprehensive cover. Full refund of our claim. Time to book another holiday. Happy Phil

Always dependable

As a regular traveller 1Cover are my go to, they're fantastic communicators, competitively priced...  Read more

As a regular traveller 1Cover are my go to, they're fantastic communicators, competitively priced and always dependable. Just wish they had some kind of incentive program to reward that loyalty, or even just a discount for returning customers.

Prompt Claim Settlement

We had to cancel our planned trip due to a major health issue. The claim form was clear, it was easy ...  Read more

We had to cancel our planned trip due to a major health issue. The claim form was clear, it was easy to upload documents. I was contacted promptly when clarification was needed. Our GP also commented the form was easy for her to complete. The claim was finalised promptly. Very different to the experience I had with another company durin Covid-19.

Best Insurance Company

I always use 1Cover for my travel insurance and being the first time I have had to make a claim. The...  Read more

I always use 1Cover for my travel insurance and being the first time I have had to make a claim. The process was easy and the customer service provided to me was outstanding. I can't thank Anthony enough for his help and support with requirements for my claim. Highly recommend 1Cover for all your insurance needs.

Very Good communicators and fair assesment

At first I thought the process was a bit over the top, but I fully understand the process. Responsive...  Read more

At first I thought the process was a bit over the top, but I fully understand the process. Responsive in their assesment. I will continue to use 1cover without doubt

PEACE OF MIND

We fortunately didn't need to use our travel insurance policy but it provided peace of mind for o...  Read more

We fortunately didn't need to use our travel insurance policy but it provided peace of mind for our travel to the USA - a country notorious for its high hospital costs. We used 1Cover on our trip to the USA last year as well and after reviewing other travel insurance cover options found that 1Cover provided a very competitive price with a high level of cover, so took out a policy this trip as well.

Looked like a good policy for me

I found it easy to find the info I needed to work out if it was I wanted for my trip. A quick process...  Read more

I found it easy to find the info I needed to work out if it was I wanted for my trip. A quick process too.

1 comment on this review

Not recommended, pretty much a scam posing as legitimate

There are two major reasons for travel insurance, missed flights and medical. Lost luggage is an anno...  Read more

There are two major reasons for travel insurance, missed flights and medical. Lost luggage is an annoyance but you can deal with it. I missed a connecting flight due to my first flight being delayed and they denied my claim. They have a vague clause that claims deniability if they determine the airline has control over your delay. There's no visibility on how they determine that. It's as close to a scam as I have seen, pity for me I didn't see it before I paid.

Our Travel Insurance Comparision Helps You

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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