Australia: Best Travel Insurance Plans in 2025
- Access to Telemedicine (online doctor)
- Coverage for quarantine of $1,000
- 24/7 assistance
- COVID-19 cover
- Access to Telemedicine (online doctor)
- Coverage for quarantine of $1,000
- 24/7 assistance
- COVID-19 cover
The MondialCare World Travel Insurance policy provides a broad and well-structured range of benefits for travelers, ensuring financial security across multiple aspects of their journey. A key component of this policy is the excess, which is applied to medical reimbursements and other claims. For medical expenses incurred abroad, a $50 deductible is applied per claim, ensuring that travelers contribute a manageable amount before the insurer covers the remaining eligible expenses. This excess remains relatively low compared to many other travel insurance policies, making it accessible while maintaining substantial protection.
The maximum amount of essential medical costs covered varies depending on the circumstances and the traveler’s location. The policy offers comprehensive medical and hospitalization coverage, ensuring that necessary treatment, hospitalization, and specialist care are provided without undue financial burden. Medical repatriation costs are fully covered, allowing insured individuals to be transported to an appropriate medical facility if required. Additionally, emergency dental care is covered up to $250, ensuring financial relief for unexpected dental issues during travel. Another standout feature is the advance payment for hospital expenses, which allows for direct payment to healthcare facilities instead of requiring policyholders to pay upfront and wait for reimbursement. This is particularly beneficial for those traveling to destinations with high medical costs.
The maximum trip duration under this policy is set at 90 days per trip, making it suitable for short- to medium-term travelers, including tourists, business travelers, and expatriates on temporary assignments. Coverage applies worldwide, with the policy catering to individuals traveling for leisure, work, or study. However, it does not automatically renew, requiring policyholders to extend coverage manually if they plan to travel beyond the initial insured period. The 90-day limit ensures that coverage remains adaptable to most travel needs while maintaining strong protection for extended stays abroad.
The flight delay and cancellation compensation under this policy provides essential financial support in cases of travel disruptions. Compensation of up to $250 per insured person is granted for flight delays exceeding four hours for scheduled flights and six hours for charter flights. If a traveler experiences a missed connection due to a delay exceeding six hours, the insurance covers additional accommodation, meals, and transfer costs up to $100 per insured person. Additionally, if the insured is denied boarding due to overbooking or temperature-based health screenings, a fixed compensation of $50 is provided. In the case of trip cancellation, the policy covers 100% of ticket costs due to medical emergencies, visa rejections, serious damage to the insured’s home, or the death of a close family member, ensuring financial protection against unforeseen events. However, cancellations due to strikes or carrier-related issues are excluded, limiting its applicability in certain situations.
The luggage cover provides extensive protection for travelers’ personal belongings, offering compensation of up to $3,000 per insured person in case of theft, loss, or damage. Valuables, including electronics, jewelry, and watches, are covered up to 30% of the total luggage allowance, ensuring that travelers carrying high-value items receive adequate compensation. Additionally, baggage delays exceeding 24 hours qualify for reimbursement of up to $250 to cover essential replacement items such as clothing and toiletries. Loss of travel documents, including passports and visas, is covered up to $150, facilitating swift replacement in the event of theft or misplacement.
Beyond these fundamental features, the policy includes several additional benefits that further enhance its attractiveness. Personal liability coverage is extensive, with a limit of $4.5 million per event for bodily injury claims and $300,000 for property damage, ensuring strong protection against third-party claims. Legal assistance of up to $20,000 is available to support insured individuals in legal disputes while abroad. Search and rescue operations are covered up to $5,000, providing essential financial aid for travelers engaging in adventure activities or remote-area travel.
Further benefits include trip interruption coverage, which reimburses up to $7,500 per insured person and $35,000 per event for unused travel expenses due to emergencies requiring an early return. Psychological assistance is also provided in the event of severe trauma or injury, covering consultation costs with a licensed psychologist. Additionally, evacuation due to political unrest or natural disasters is covered, ensuring travelers can return home safely in case of unexpected events in their destination country.
Overall, the MondialCare World Travel Insurance policy offers a well-balanced and extensive coverage plan, making it an excellent choice for short- to medium-term travelers looking for strong medical coverage, comprehensive trip protection, and generous baggage compensation. The inclusion of high personal liability limits, legal assistance, search and rescue benefits, and trip interruption compensation enhances its value, ensuring that policyholders have access to one of the most adaptable and reliable travel insurance options available. The combination of moderate excess, strong medical benefits, flexible trip duration, and broad additional protections ensures that travelers can embark on their journeys with confidence, knowing they have robust and comprehensive travel insurance coverage.
- Assistance guarantee - medical repatriation
- Direct cover for hospitalisations longer than 24 hours
- Liability insurance private life
- Individual accident insurance
- Assistance guarantee - medical repatriation
- Direct cover for hospitalisations longer than 24 hours
- Liability insurance private life
- Individual accident insurance
The Freely Travel Insurance policy presents a modern, flexible solution for travelers seeking tailored protection. Its standout feature is the modular design, offering a base “Explorer” plan that includes essential benefits—such as unlimited overseas medical and dental cover, $3 million in personal liability, and a $10,000 luggage limit—while allowing customers to customize further with a variety of optional “Boosts.” This structure empowers travelers to pay only for the cover they need, such as adventure activities, snow sports, or increased cancellation limits. The app-based management system also reflects a user-friendly, tech-savvy approach, streamlining policy adjustments and claims while on the go.
In terms of coverage generosity, Freely performs well in medical and emergency-related areas. Medical expenses are unlimited (subject to a 12-month per-condition cap), and coverage extends to cruise-specific medical situations if the appropriate Boost is added. Additional expenses and emergency repatriation are also unlimited, providing peace of mind for international travel. However, standard cancellation and amendment benefits are capped at $5,000 unless enhanced, which may be limiting for travelers with expensive itineraries. Similarly, the default luggage item sub-limit of $1,500 could underinsure valuable electronics or sports gear unless supplemented by a Specified Items or Gadget Boost.
One notable drawback is the presence of multiple layers of excess: a standard $250 policy excess per event, and an additional COVID-19 excess of $500 or $250 depending on the claim category. This could reduce the net payout in lower-value claims. Moreover, while the flexibility of on-demand Daily Boosts is attractive, users must remember to activate them in advance for the appropriate days—there’s no retroactive coverage. Overall, Freely offers a well-structured and adaptable insurance option ideal for tech-literate travelers comfortable managing their cover through an app, but careful attention must be paid to the fine print to avoid underinsuring key risks.
- Reimbursement for accommodation after a blockage abroad
- Aftercare after repatriation in Ireland
- Replacement vehicle (abroad)
- Tow truck in Ireland
- Pre-existing conditions
- Exclusions relating to the condition and use of the car
- Reimbursement for accommodation after a blockage abroad
- Aftercare after repatriation in Ireland
- Replacement vehicle (abroad)
- Tow truck in Ireland
This policy offers comprehensive coverage for travelers seeking financial protection and assistance for various travel-related risks. One of the fundamental aspects of this policy is the excess, which varies depending on the level of coverage selected. The Bronze plan has an excess of £100 (£150 for personal liability claims), while the Silver plan reduces it to £75, and the Gold plan further lowers it to £50. The excess applies to each insured person, per section, and per claim, which means that multiple claims during a single trip could lead to multiple excess deductions. This ensures that policyholders contribute a minimal amount toward claim costs, helping to keep premiums lower while still providing substantial coverage.
A standout feature of this policy is its emergency medical and associated expenses coverage, which offers substantial financial protection in case of illness, injury, or accidents while traveling. The Bronze plan covers up to £2 million, while the Silver plan increases this limit to £5 million, and the Gold plan provides the most extensive coverage at £10 million. This covers hospital treatment, surgery, repatriation, and other necessary medical expenses. Additionally, inpatient benefits are included, offering £10 per day (up to £200) under the Bronze plan, £20 per day (up to £200) under Silver, and £20 per day (up to £500) under Gold, providing financial relief for extended hospital stays. Emergency dental treatment is covered up to £350 for Bronze and Silver and £500 for Gold, ensuring that travelers receive proper care for urgent dental issues. Furthermore, funeral expenses are covered up to £1,500 in Bronze and Silver and £5,000 in Gold, while search and rescue services are fully covered when deemed medically necessary.
The maximum trip duration varies depending on the coverage level and is designed to accommodate different travel patterns. This policy is specifically for short trips, covering travel periods of 31 days or less per trip across all plans. It is essential to note that there is no coverage for trips exceeding 31 days, even for the initial 31-day period, making this policy more suitable for frequent travelers who take multiple shorter trips rather than extended vacations. This restriction ensures that the policy remains tailored for typical holidaymakers and business travelers rather than long-term travelers or expatriates.
When it comes to flight delay and cancellation compensation, the policy provides substantial protection for disruptions that may impact travel plans. For delayed departure, the Bronze plan offers £10 for every 12-hour delay, up to £100, while the Silver plan increases this to £20 for the first 12 hours and £10 for each additional 12 hours, up to £250. The Gold plan provides the highest compensation, offering £30 for the first 12 hours and £15 for each additional 12 hours, up to £300. If a delay extends beyond 24 hours, travelers can claim trip abandonment compensation, covering £1,000 (Bronze), £2,500 (Silver), and £5,000 (Gold) for non-refundable expenses. Additionally, missed departure coverage is provided, with £500 (Bronze), £1,000 (Silver), and £1,500 (Gold) to cover alternative transportation and accommodation costs due to unavoidable delays.
The luggage cover ensures financial protection for lost, stolen, or damaged personal belongings. Under the Bronze plan, there is no personal possessions coverage, while the Silver plan provides up to £1,500 and the Gold plan increases this to £2,000. Single-item limits apply, capping coverage at £300 per item, while valuables (such as jewelry, watches, and electronics) are limited to £400 in both Silver and Gold plans. Additionally, compensation for delayed personal possessions is included, offering £50 (Bronze), £150 (Silver), and £200 (Gold) if baggage is delayed for more than 12 hours. Personal money coverage is also available, providing £500 coverage with a cash limit of £250 in both Silver and Gold plans. Loss of passport coverage ensures reimbursement for additional costs associated with replacing a lost or stolen passport, with £150 covered under Silver and £250 under Gold.
Beyond these primary benefits, the policy includes a range of additional features that make it highly competitive. Personal accident coverage provides financial compensation in case of severe injuries, offering £5,000 (Bronze), £15,000 (Silver), and £20,000 (Gold) for accidental death, loss of limbs, or permanent disability. Personal liability protection ensures that travelers are covered against third-party claims for bodily injury or property damage, with limits of £1 million (Bronze), £1.5 million (Silver), and £2 million (Gold). Legal expenses coverage further enhances protection, offering £5,000 (Bronze), £15,000 (Silver), and £25,000 (Gold) to assist with legal claims arising during travel. For travelers concerned about supplier insolvency, end-supplier failure protection is included exclusively in the Gold plan, covering up to £1,500 if a travel provider ceases operations.
Additional optional covers enhance the flexibility of this policy, making it suitable for different travel needs. Winter sports cover is available for an extra premium, providing compensation for ski equipment (£300 for owned, £300 for hired, with a £400 single-item limit), ski hire (£300), piste closure (£20 per day up to £200), and avalanche delays (£25 per day up to £250). Business travelers can opt for business cover, which includes replacement business associate cover (£750 in Silver and £1,000 in Gold) and business equipment protection (£300 in Silver and £500 in Gold).
Overall, the Wise and Silent Travel Insurance policy provides a well-balanced and competitive travel insurance solution, offering strong medical coverage, essential travel disruption benefits, reliable luggage protection, and a wide range of additional covers. The flexible excess options, high medical expense limits, and comprehensive cancellation and baggage coverage make it a solid choice for frequent travelers who take multiple short trips per year. The inclusion of legal and liability protection, personal accident benefits, and supplier failure coverage in higher tiers enhances its appeal, ensuring that travelers have access to comprehensive and adaptable travel insurance protection tailored to various needs.
- Intuitive Heymondo app
- Registration in English
- Guaranteed refund
- Up to 49 years
- Intuitive Heymondo app
- Registration in English
- Guaranteed refund
Heymondo’s International Travel Insurance offers travelers a comprehensive and customizable coverage plan, ensuring peace of mind during both international and domestic journeys. One of the standout features of this policy is the absence of any deductible or excess, meaning that policyholders are not required to pay any out-of-pocket expenses before the insurance coverage takes effect. This feature simplifies the claims process and provides immediate financial relief in case of unforeseen events.
The policy provides substantial coverage for essential medical costs, with limits reaching up to $10,000,000 USD. This extensive coverage encompasses medical expenses incurred abroad due to sudden illness or accidental injury, including hospitalization, prescription medications, and inpatient physical therapy. Emergency dental treatments aimed at alleviating acute and sudden pain are also covered. Additionally, the insurance includes medical transportation and repatriation services, ensuring that policyholders can be safely returned to their home country if necessary. In cases where hospitalization extends beyond seven days, the policy covers travel and lodging expenses for a family member to accompany the insured, providing emotional support during challenging times.
Regarding trip duration, Heymondo’s policy is designed to accommodate various travel plans. For frequent travelers, the Annual Multi-Trip Travel Insurance covers all trips taken within a year, provided each trip does not exceed 60 days. This flexibility is ideal for individuals embarking on multiple journeys throughout the year, whether for leisure or business purposes. For those planning extended stays, the Long Stay Travel Insurance offers coverage for trips longer than 90 days, catering to long-term travelers, digital nomads, and individuals on assignments abroad.
In the event of travel disruptions, the policy offers compensation for flight delays and cancellations. If a trip is canceled due to covered reasons, such as a positive COVID-19 test or the serious illness or death of a close relative, the policy reimburses up to $7,000 USD for pre-paid, non-refundable expenses. This coverage must be purchased within seven days of the initial trip booking to be valid. For delays caused by public transport issues, the policy reimburses accommodation, meals, and refreshments, ensuring travelers are not left out-of-pocket due to unforeseen delays. Additionally, if a missed connection occurs due to the late arrival of an incoming flight, the insurance covers essential expenses, including the purchase of an alternative flight ticket if necessary.
The luggage coverage under this policy is designed to protect personal belongings against theft, loss, or damage. Policyholders are entitled to compensation of up to $2,500 USD in such events. In cases where checked baggage is delayed or misdirected by the carrier, the policy reimburses the purchase of necessary personal effects, ensuring travelers have access to essential items while awaiting their luggage. Furthermore, if official documents such as passports or visas are lost or stolen, the insurance covers the administrative expenses incurred for their replacement, alleviating the stress associated with such incidents.
Beyond these core features, Heymondo’s International Travel Insurance includes several additional coverages that enhance its appeal. Personal liability coverage of up to $2,000,000 USD protects against claims for bodily injury or property damage to third parties, including legal costs and expenses. The policy also offers compensation of up to $60,000 USD for accidental death or permanent disability resulting from incidents during the trip. For those planning to engage in adventure sports, an optional add-on extends coverage to activities such as white-water rafting, diving up to 20 meters, and bungee jumping, ensuring thrill-seekers are adequately protected. Additionally, coverage for electronic equipment is available, safeguarding valuable items like laptops, tablets, and cameras against theft or damage. The policy also addresses unforeseen events such as natural disasters, covering additional accommodation and transportation costs incurred during the trip due to events like floods, earthquakes, or hurricanes. For travelers renting vehicles, the insurance provides coverage for rental car excess up to $500 USD, offering financial protection against potential damages or theft of the rented vehicle.
To further enhance user experience, Heymondo offers a Travel Assistance App, providing 24/7 medical chat support, free online assistance calls, and efficient claims management, all accessible from the convenience of a mobile device. This app ensures that help is readily available, streamlining the process of seeking assistance and managing claims.
In summary, Heymondo’s International Travel Insurance stands out for its comprehensive coverage, absence of deductibles, and flexibility in accommodating various travel durations. The inclusion of extensive medical coverage, robust trip interruption benefits, generous luggage protection, and a suite of additional coverages makes it a compelling choice for travelers seeking reliable and extensive insurance protection. The user-friendly Travel Assistance App further enhances the policy’s attractiveness, ensuring that support is always within reach, no matter where the journey leads.
- Renewal possible
- Cover for sports included
- Covid guarantee
- 24/7 assistance
- Cancellation insurance optional
- Renewal possible
- Cover for sports included
- Covid guarantee
- 24/7 assistance
- Cancellation insurance optional
The Chapka Cap Assistance 24/24 Travel Insurance offers a well-rounded and extensive package designed to provide financial security for travelers in various situations. A fundamental aspect of this insurance is the excess, which applies to specific claims, ensuring that policyholders share a portion of the costs before receiving compensation. Although the exact amount of the excess is not explicitly detailed in every section, the policy states that for medical expenses abroad, the insured must first use any available national healthcare coverage before additional expenses are reimbursed. This ensures that policyholders maximize existing benefits before claiming through the travel insurance, making it a practical option for those who already have partial coverage. In the event of a claim, prior authorization from the assistance center is required, which helps manage costs and streamline the reimbursement process.
A key feature of this policy is the coverage for essential medical costs, which varies depending on the geographical region. In Zone 1 (Europe, Israel, Morocco, Tunisia), coverage extends up to $100,000 per insured person. In Zone 2 (Worldwide excluding specific high-risk countries), the limit increases significantly to $500,000 per insured person, while for Zone 3 (including high-cost countries like the USA, Canada, Thailand, Mexico, India, and Indonesia), the maximum coverage reaches $1,000,000 per insured person. This coverage includes hospitalization, surgery, paramedical care, consultations, and emergency prescriptions, ensuring that travelers have financial security in case of unexpected medical events. Additional benefits include emergency dental care up to $300 per person, along with search and rescue costs up to $10,000 per person and $30,000 per event, which can be particularly useful for travelers engaging in adventure or outdoor activities.
Regarding maximum trip duration, this insurance policy covers trips lasting up to 90 consecutive days. This limitation ensures that the policy is best suited for short- to medium-term travelers rather than those planning long-term stays abroad. Any trip exceeding 90 days is not covered, meaning policyholders looking for extended coverage beyond this period would need to explore alternative long-term insurance options. This makes the policy ideal for frequent travelers, digital nomads on short-term stays, and students or professionals on temporary assignments abroad.
The flight delay and cancellation compensation provided under this policy is structured to offer financial relief in cases of significant travel disruptions. For flight delays, compensation of up to $250 per insured person is available if a scheduled flight is delayed by more than four hours (for standard flights) or six hours (for charter flights). In the case of a missed flight, policyholders are reimbursed 80% of the total cost of the original ticket, up to a maximum of $8,000 per person. Additionally, for a missed connection due to a delay of more than six hours, the insurance covers accommodation, meals, and transfer costs up to $100 per insured person, ensuring that travelers are not left stranded due to circumstances beyond their control.
The luggage cover ensures protection against theft, total or partial destruction, or loss during transport by an airline or transport company, with compensation reaching a maximum of $3,000 per insured person. This is particularly valuable for those carrying expensive items, as it provides significant reimbursement in case of loss or damage. Precious objects, including electronics and jewelry, are covered up to 50% of the total luggage cover, meaning a maximum of $1,500 per insured person. In addition, compensation for delayed baggage is available, offering up to $300 per insured person for essential purchases in the event of a delay. Further financial protection is offered through the reimbursement of travel document restoration costs, up to $150 per insured person, providing peace of mind in the event of passport or ID loss.
Beyond these core features, the policy includes a range of additional benefits that further enhance its value. Personal liability insurance abroad is covered up to $4.5 million per event for bodily injury and $300,000 per event for property damage, ensuring strong protection against third-party claims. Legal expenses abroad are covered up to $20,000 per litigation case, offering travelers financial support in legal disputes that may arise during their trip. Trip interruption coverage provides reimbursement of unused ground services, up to $7,500 per person and $35,000 per event, ensuring that unforeseen situations requiring an early return do not result in substantial financial losses.
For those traveling with pets, the policy offers return ticket reimbursement of up to $250 per event, covering expenses related to bringing pets home in case of repatriation. Additionally, sports equipment protection ensures reimbursement of up to $300 per event for stolen or damaged equipment, making it a suitable option for travelers engaged in sports activities. Home assistance coverage is also available in case of incidents at home while traveling, including emergency accommodation costs up to $80 per night for up to five nights.
In conclusion, the Chapka Cap Assistance 24/24 Travel Insurance offers well-balanced and extensive coverage for short- to medium-term travelers, providing strong medical expense benefits, flexible trip duration options, robust travel disruption compensation, and generous luggage protection. The inclusion of high personal liability coverage, legal assistance, trip interruption compensation, and additional covers for pets and sports equipment further strengthens its appeal. While the 90-day trip duration limit may not be ideal for long-term travelers, this policy remains an excellent choice for holidaymakers, business travelers, students, and digital nomads looking for extensive and reliable insurance coverage during their trips.
- Coverage for over 150 adventure activities.
- No coverage for pre-existing medical conditions.
- Excess applies to certain benefits.
- Coverage for over 150 adventure activities.
World Nomads’ travel insurance exhibits notable limitations. The medical coverage is insufficient, with low limits and numerous exclusions, particularly concerning pre-existing conditions. Trip cancellation and interruption terms are stringent, restricting acceptable reasons and providing partial reimbursements. Baggage protection is inadequate, offering low reimbursement amounts and excluding certain valuable items. Additionally, an excess applies to certain benefits, especially in liability and assistance services. While the policy includes coverage for over 150 adventure activities, this benefit does not outweigh the contract’s numerous shortcomings. And for all these reasons, we do not recommend World Nomads’ travel insurance.
- Optional unlimited cover for cancellation of the trip
- Excess applied per event, increasing costs for multiple incidents.
- Specific item limits for personal effects, potentially insufficient for valuable
- Optional unlimited cover for cancellation of the trip
Cover-More’s travel insurance exhibits several notable limitations. While it offers unlimited coverage for overseas medical expenses, the excess applied per event can lead to significant additional costs if multiple incidents occur during the trip. Furthermore, the trip cancellation and interruption terms are stringent, with limited acceptable reasons and partial reimbursements, making it challenging to obtain full refunds for unforeseen plan changes. Baggage protection is also inadequate, featuring specific item limits that may not sufficiently cover valuable items such as electronics or jewelry. Although the policy provides 24/7 medical assistance, this benefit does not outweigh the numerous shortcomings of the coverage. And for all these reasons, we do not recommend Cover-More’s travel insurance.
- Coverage for over 90 sports and activities at no additional cost.
- Specific item limits for personal effects may be insufficient for valuables.
- Certain pre-existing medical conditions may not be covered.
- Coverage for over 90 sports and activities at no additional cost.
Travel Insurance Direct’s travel insurance exhibits several notable limitations. While it offers coverage for over 90 sports and activities at no additional cost, the specific item limits for personal effects may not adequately cover valuable items such as electronics or jewelry. Furthermore, certain pre-existing medical conditions may be excluded from coverage, leaving travelers vulnerable to complications arising from these conditions. The trip cancellation and interruption terms are also stringent, with limited acceptable reasons and partial reimbursements, making it challenging to obtain a full refund in case of unforeseen plan changes. Although the policy provides 24/7 medical assistance, this benefit does not outweigh the numerous shortcomings of the coverage. And for all these reasons, we do not recommend Travel Insurance Direct’s travel insurance.
- Unlimited coverage for overseas medical expenses.
- Specific item limits for personal belongings may be insufficient for valuables.
- Weak cancellation cover
- Unlimited coverage for overseas medical expenses.
1Cover’s travel insurance presents several notable limitations. While it offers unlimited coverage for overseas medical expenses, certain pre-existing medical conditions may be excluded, leaving travelers vulnerable to potential health-related expenses abroad. The policy’s trip cancellation and interruption terms are stringent, with limited eligible reasons and partial reimbursements, complicating efforts to secure full refunds for unexpected plan changes. Additionally, the baggage protection is inadequate, featuring specific item limits that may not sufficiently cover high-value items such as electronics or jewelry. Although the policy includes 24/7 medical assistance, this benefit does not sufficiently offset the numerous shortcomings of the coverage. And for all these reasons, we do not recommend 1Cover’s travel insurance.
- What exactly is travel insurance?
- What is the price of travel insurance?
- What does travel insurance cover?
- The conditions to meet
- Why take out travel insurance?
- How to choose the right travel insurance?
- Do my current insurers offer travel insurance?
- FAQ
- On the same topic
travel insurance: key takeaways
1. Definition: Travel insurance provides financial protection against unexpected events like medical emergencies, trip cancellations, and lost luggage during your travels.
2. Price: For a one-week trip to Europe, basic cover can start from around $50 AUD, with comprehensive policies costing more.
3. Coverage: It typically covers medical costs, cancellations, and luggage, but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: Medicare and credit cards offer very limited or no overseas cover, making dedicated travel insurance essential for international trips.
5. Tips: Always compare policies, read the Product Disclosure Statement (PDS), and declare any pre-existing medical conditions before you buy.
6. Other useful info: Australia's Reciprocal Health Care Agreements are limited and do not replace the need for comprehensive travel insurance overseas.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share everything you need to know to choose the best one for you.
What exactly is travel insurance?
Travel insurance is a type of coverage that protects you from financial loss if unexpected events affect your trip. It usually includes medical emergencies, trip cancellation, baggage loss, and other travel-related risks.
Policies differ based on your destination, age, and the nature of your travel.
It is essential because it helps cover high overseas medical or trip costs that Medicare or your credit card cannot support when travelling from Australia.
Expert advice
Here are the situations where travel insurance is especially important:
- You are travelling where medical costs are high, like the USA.
- Your trip has significant non-refundable prepaid expenses.
- You have a pre-existing medical condition requiring specific cover.
- You plan to do adventure activities like skiing or scuba diving.
- You are going on a cruise, even in Australian waters.
- You are visiting remote areas with limited emergency medical services.
- You are travelling with expensive items like cameras or electronics.
What is the price of travel insurance?
On average, travel insurance costs between 3% and 7% of the total price of your trip.
Trip | Trip cost | Indicative price per person |
---|---|---|
One week in Bali | 2,000 $ AU | 60 – 140 $ AU |
Two weeks in Europe | 4,000 $ AU | 120 – 280 $ AU |
One month in the United States | 7,500 $ AU | 225 – 525 $ AU |
Long weekend in New Zealand | 1,200 $ AU | 36 – 84 $ AU |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your travel insurance depends on several factors:
- trip duration: the longer the trip, the higher the premium.
- destination: countries with high healthcare costs or higher risk, such as the USA, result in more expensive plans.
- traveller’s age: older travellers usually pay more.
- coverage level: comprehensive insurance costs more than basic protection.
- pre-existing medical conditions: coverage for these often raises the premium.
- activities covered: adventure sports or cruises require an additional premium.
- excess amount: a lower excess leads to a higher price.
What does travel insurance cover?
Travel insurance protects you from unexpected problems during your trip. Here's what it usually covers, and what it may not.
Covered guarantee | Definition | Expert advice |
---|---|---|
❌ Trip cancellation | Pays for prepaid trip costs if you cancel before departure. |
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🕒 Trip interruption | Pays for unused bookings if your trip is cut short by an emergency. |
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🧳 Luggage and personal effects | Reimburses lost, stolen, or damaged bags and valuables during transit. |
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🚑 Emergency medical expenses | Key guarantee. Pays for hospital care, treatment, and surgery around the world. |
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🛫 Medical evacuation and repatriation | Key guarantee. Pays to return you home if required for serious illness, injury or death. |
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🏨 Travel delay | Reimburses meals and hotels if your travel is delayed by a covered event. |
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⚖️ Personal liability abroad | Covers accidental damage caused to others or their property overseas. |
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🚗 Rental vehicle excess | Pays for excess charged by car rental companies after an accident. |
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🛠️ Assistance services | 24/7 support for emergencies, documents, legal, or translation help. |
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⛑️ Accident insurance (optional) | Optional. Pays a lump sum for accidental death or permanent disability. |
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- Select at least $AU 5,000 cover, with a deductible below $AU 100.
- Common exclusions are pre existing conditions, epidemics, and changes of mind. Carefully check the fine print if travelling to high risk destinations.
- Choose coverage matching your trip cost and keep deductible under $AU 100.
- Exclusions often include war, known medical issues before booking, and government travel bans.
- Look for at least $AU 5,000 coverage and deductible under $AU 50.
- Be aware of exclusions like valuables left unattended, baggage delays under 24 hours, and undeclared high value items.
- Minimum unlimited cover is recommended, with no deductible if possible.
- Exclusions commonly include adventure sports, substance use, and undeclared pre existing health conditions.
- At least $AU 1M cover and max $AU 100 deductible is best.
- Exclusions include injury from dangerous activities, unapproved routes, and some untreated medical issues at policy start.
- Look for $AU 2,000+ per policy, deductible under $AU 100.
- Delays caused by strikes, known weather events or lack of expense receipts are usually not covered.
- Select at least $AU 1.5M coverage with a deductible below $AU 500.
- Exclusions include damage to rental vehicles, intentional acts, employment related claims, and claims if intoxicated.
- Choose $AU 4,000+ per trip, deductible under $AU 200.
- Exclusions common for off road driving, unlisted drivers or drink driving.
- Ensure unlimited assistance and global hotline access.
- Exclusions may apply in very remote areas, or for non urgent requests, and during civil unrest or war.
- $AU 100,000 cover is reasonable, deductible under $AU 100.
- Exclusions include dangerous sports, pre existing conditions, and claims related to intoxication, criminal acts, or suicide.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the travel insurance best suited to your profile and your trip, easily compare offers on HelloSafe.
The conditions to meet
Travel insurance is only valid if you meet several important conditions:
- Policy purchase: you must buy your policy before you leave Australia. Buying after departure usually makes your coverage invalid.
- Trip duration: your trip must not exceed the maximum days allowed by your policy, often 30, 60, or 90 consecutive days.
- Accurate disclosure: all personal and medical information you provide must be true and complete. Incorrect or hidden details may void your coverage.
- Pre-existing conditions: these must be declared and approved by the insurer in writing if you want coverage for them.
- Planned activities: only activities listed as covered in your policy are insured. You need to add extra coverage for adventure or risky sports.
- Government advisories: your destination must not be under an official "Do Not Travel" advisory from the Australian government when you go.
- Medical eligibility: you must be medically fit and able to travel at the time you start your trip.
- Departing from Australia: coverage only applies if your journey both begins and, for return coverage, ends in Australia.
If you are unsure about your coverage, always check your policy document or ask your insurer for clarification.
Watch out!
Don't rely on Medicare overseas. Even in the 11 countries with a Reciprocal Health Care Agreement, coverage is limited to essential medical care and won't pay for evacuations or trip disruptions. Comprehensive travel insurance is your only guarantee for full financial protection, no matter where you are travelling from Australia.
Why take out travel insurance?
When travelling abroad, unexpected events can quickly result in major expenses, especially for medical emergencies and hospital care.
Here are some examples of medical costs abroad:
Type of treatment | Average cost (AUD) | What travel insurance covers |
---|---|---|
Sprained ankle while hiking |
| Up to 100%, often $Unlimited for medical expenses |
Cut from a scooter accident |
| Up to 100%, usually $Unlimited for emergency care |
Food poisoning with hospital stay |
| Up to 100%, hospital bills and medication included |
Tooth infection treatment |
| Often capped, up to $500 for emergencies |
Respiratory infection consultation |
| Up to 100% of outpatient fees and medication |
- Europe: 600 to 1,200
- North America: 1,500 to 3,000
- Asia: 200 to 600
- Europe: 800 to 1,500
- North America: 2,200 to 4,500
- Asia: 350 to 900
- Europe: 1,200 to 2,800
- North America: 2,800 to 5,500
- Asia: 600 to 1,700
- Europe: 300 to 800
- North America: 500 to 1,500
- Asia: 120 to 400
- Europe: 100 to 350
- North America: 250 to 600
- Asia: 70 to 250
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
💡 Travel insurance can also cover trip cancellation, lost or delayed luggage, personal liability, 24/7 emergency assistance, and evacuation or repatriation. These may be just as important as health expenses depending on where you travel and your personal situation.
How to choose the right travel insurance?
Travel insurance in Australia comes with a wide range of coverage limits and conditions, so understanding which criteria to compare is key to choosing useful guarantees for your trip.
Criterion | Why it matters | Expert tip |
---|---|---|
💰 Reimbursement limits | Sets the maximum payout for medical costs, cancellations, or loss. | Choose unlimited medical cover and at least $10,000 for trip cancellation. Review sub-limits for valuables and medical evacuation. |
📉 Deductibles (excess) | Determines what you pay before insurance covers the rest. | Opt for a deductible under $100 to minimise out-of-pocket spending. Check if higher excesses are worth the small premium savings. |
📄 Policy conditions | Details specific requirements and restrictions of the cover. | Always read the Product Disclosure Statement to ensure your planned trip and activities are fully eligible for claims. |
👵 Traveller’s age | Affects price and policy availability, especially for seniors. | Compare age-specific options. The insurer Heymondo does not increase its prices for people over 62. Confirm pre-existing condition rules. |
🧑 Traveller profile | Impacts coverage needs for students, families, business or leisure travellers. | Select add-ons for your situation. Families need family bundle features, business travellers should add work equipment cover. |
🗓️ Trip duration | Can limit cover length or trigger rate changes for longer journeys. | Double-check maximum trip duration allowed. Annual multi-trip plans are ideal for frequent or extended travel. |
🌍 Geographic area | Providers frequently segment cover by destination region or “worldwide”. | Make sure all destinations, including stopovers, are declared. Coverage varies even within the same region, review details for each country. |
🏄 Planned activities | High-risk or sports activities are often excluded from basic cover. | Declare all activities such as skiing or diving upfront. Add specific adventure sports extensions if you plan any risk activity. |
🏦 Existing coverage (health, card) | Your current insurance may duplicate or limit what extra you actually need. | Review Medicare, health policy and credit card travel insurance first. Only pay for what’s missing in your existing protection. |
💻 Online comparison & purchase | Makes it easier to compare price, features and buy at your convenience. | Use HelloSafe to compare plans side-by-side by price, policy limits, age and destination for the best result fast. |
Good to know
When you're far from home, some insurers offer 24/7 telemedicine. This is a real lifesaver, letting you consult a doctor remotely before heading to a clinic. For instance, Heymondo includes medical chat access in its plans, saving you time and stress on your trip.
Do my current insurers offer travel insurance?
It is sensible to consider whether your current insurances, such as credit card coverage or the public health system, can serve as travel insurance, but unfortunately they are often not enough.
Here is a summary table to help you review your current insurance and what it covers.
Type of insurance | Travel insurance included? | What it covers | Why Travel Insurance is better |
---|---|---|---|
Public health insurance | Never | Emergency hospital care within Australia only, no overseas medical cover, no trip cancellation. | Travel insurance provides unlimited overseas medical cover, trip cancellation up to $20,000, and assistance 24/7. |
Private health insurance | Never | Selected medical care within Australia, sometimes overseas emergency in specific countries, no luggage cover, capped benefits. | Travel insurance covers lost luggage, personal liability up to $2.5M, and full overseas emergencies. |
Classic credit card (ANZ First, Westpac Low Rate, CBA Low Fee) | Limited coverage | Some medical, usually limited to $2,500–$20,000, baggage loss or delay, strict activation conditions, excludes pre-existing conditions. | Travel insurance gives unlimited medical coverage, evacuation, and high personal item limits, not capped like cards. |
Premium credit card (ANZ Platinum, Westpac Altitude Black, CBA Platinum Awards) | Limited coverage | Higher medical and baggage cover, limits of $20,000–$250,000, strict eligibility, no cover for many activities or conditions. | Travel insurance reimburses for unlimited overseas medical costs, cancellations, sports injuries, and has broader cover. |
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might not be covered. Read the Product Disclosure Statement (PDS) carefully to avoid nasty surprises overseas. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Is travel insurance mandatory?
Travel insurance is not mandatory for Australians, but it is required for entry to some countries, including Schengen countries and Cuba. Even when not mandatory, it is strongly recommended. For example, without insurance, a hospital stay in the USA could cost thousands of dollars, which must be paid upfront.
When is it recommended to purchase travel insurance?
It is recommended to purchase travel insurance as soon as you have booked your trip. Early purchase ensures full protection for trip cancellations and prepaid expenses that might not be refundable if you need to cancel or reschedule before departure.
How do I purchase travel insurance?
1/ Compare: Use HelloSafe’s travel insurance comparison platform to view different offers.
2/ Check guarantees and exclusions: Carefully review which benefits and exclusions apply to your situation.
3/ Purchase online: Complete your application and payment safely on the insurer’s website.
4/ Receive the certificate: Get your policy certificate by email or download.
Can I purchase travel insurance after booking?
Yes, you can buy travel insurance after booking your trip, but coverage for cancellation starts only after you purchase the policy. For most protection, especially for cancellations, it is best to buy as soon as possible.
How do I make a claim?
To make a claim, notify your insurer as soon as an incident occurs. Gather all required documents such as receipts, reports or medical certificates. Complete the insurer’s claim form and submit it with your supporting information. Claims are usually processed within a few weeks.
Is COVID-19 covered by travel insurance?
Most Australian travel insurance providers offer some COVID-19 cover, including overseas medical expenses and some cancellation costs if you contract COVID-19. It is important to check your policy’s COVID-19 terms as inclusions and exclusions can vary widely.
Is travel insurance mandatory?
Travel insurance is not mandatory for Australians, but it is required for entry to some countries, including Schengen countries and Cuba. Even when not mandatory, it is strongly recommended. For example, without insurance, a hospital stay in the USA could cost thousands of dollars, which must be paid upfront.
When is it recommended to purchase travel insurance?
It is recommended to purchase travel insurance as soon as you have booked your trip. Early purchase ensures full protection for trip cancellations and prepaid expenses that might not be refundable if you need to cancel or reschedule before departure.
How do I purchase travel insurance?
1/ Compare: Use HelloSafe’s travel insurance comparison platform to view different offers.
2/ Check guarantees and exclusions: Carefully review which benefits and exclusions apply to your situation.
3/ Purchase online: Complete your application and payment safely on the insurer’s website.
4/ Receive the certificate: Get your policy certificate by email or download.
Can I purchase travel insurance after booking?
Yes, you can buy travel insurance after booking your trip, but coverage for cancellation starts only after you purchase the policy. For most protection, especially for cancellations, it is best to buy as soon as possible.
How do I make a claim?
To make a claim, notify your insurer as soon as an incident occurs. Gather all required documents such as receipts, reports or medical certificates. Complete the insurer’s claim form and submit it with your supporting information. Claims are usually processed within a few weeks.
Is COVID-19 covered by travel insurance?
Most Australian travel insurance providers offer some COVID-19 cover, including overseas medical expenses and some cancellation costs if you contract COVID-19. It is important to check your policy’s COVID-19 terms as inclusions and exclusions can vary widely.