CHECK OUT TRAVEL INSURANCE

We help you find travel insurance that fits your plans - not someone else’s. From missed flights to lost bags, get the right cover at the right price.
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Partner Offers

Insure and Go logo

Multi-award-winning travel insurance, trusted by over 2 million Aussie travellers. Choose from Domestic, International, Cruise & Annual Multi-Trip policies to suit your travel needs.

  • Cover available up to 100 years of age (Cruise and Bare Essential policies cover up to 79 years of age)

  • Unlimited cover for overseas medical expenses

  • A global assistance network with 24/7 emergency support

Exclusive Offer for Compare Club customers: Use code COMPARE10 and get 10% off. Ends 31 August 2026.

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Travel Protect logo

Insurance with a bit more bite. Flexible cover that lets you build it your way — Award Winning Cover for trips where adventure is non-negotiable.

  • 24/7 Emergency Assistance

  • Up to $20,000 cover for cancellation with Top policies

  • Customisable add-ons for flexible cover

Exclusive Offer for Compare Club customers: Use code AdventureCC10 and get 10% off. Ends 31 August 2026.

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Australia Post logo

Award winning travel insurance for most recommended, outstanding customer satisfaction, and exceptional value medical only cover.

  • Choose your excess

  • Increased luggage cover

  • Increased rental car insurance excess cover

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Butter Insurance logo

Simple, smart insurance for the things you love. Butter makes protecting your travel easy, with flexible cover, online claims, online support and peace of mind—no paperwork, just tap and go

  • Online claims with fast approvals

  • Customisable Cover for what matters to you.

  • 24/7 emergency assistance

Exclusive Offer for Compare Club customers: Use code CCButter10 and get 10% off. Ends 1 March 2026

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ReadySet Insurance logo

Built by a team with decades of experience creating award-winning travel brands in Australia and the UK. You're covered for most short trips or overseas adventures — with competitive pricing, add-ons, and 24/7 assistance.

  • Flexible cover for all ages

  • Cruise, ski and more add-ons

  • AU sales & enquiries call centre

Exclusive Offer for Compare Club customers: Use code club10 and get 10% off. Ends 21 August 2026

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Tick Travel Insurance logo

With Tick, you can enjoy budget-friendly, cover for added peace of mind on your next adventure. Plus, kids are covered for free when travelling with parents or grandparents.

  • Unlimited cover for overseas medical expenses

  • Up to $20,000 cover for cancellation with Top policies

  • 24/7 emergency assistance

Exclusive Offer for Compare Club customers: Use code COMPARE10 and get 10% off. Ends 31 August 2026.

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Travel Insured logo

Travel Insured Australia offers unlimited medical cover up to 12 months, and customisable plans - choose only the benefits you need. Straight forward claim process for fast resolution.

  • Local claims team - response within 24 hours

  • 24/7 Phone Assistance

  • Emergency medical assistance services

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Was Insurance logo

Smart, reliable cover designed for every Aussie traveller. Award-winning protection that delivers big on value without the big price tag.

  • Award-winning Coverage and Value

  • Unlimited Medical with 24/7 Emergency Assistance

  • Rated 4.7 / 5 On TrustPilot

Exclusive Offer for Compare Club customers: Use code SafeCC10 and get 10% off. Ends 31 August 2026.

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Freely logo

Travel insurance in an app. With optional cover add-ons, only pay for what you need while enjoying live chat support and 24/7 access to medical and emergency specialists.

  • Unlimited medical and emergency dental

  • 24/7 access to telehealth and medical specialists

  • Easy-to-submit claims

Exclusive Offer for Compare Club customers: Use code COMPARECLUB and get 10% off. Ends 30 Nov 2026

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Blue Insurance logo

Protect your holiday before the unexpected makes a mess of it. Blue Insurance also has cover options to help you tailor your policy, so you get the travel insurance that works for your trip.

  • 24/7 emergency assistance

  • Medical conditions cover available

  • Single trip and annual multi-trip cover options

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Why consider travel insurance?

You could save serious money

Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.

You’ll get cover that actually suits your trip

Every traveller is different. Heading to a country with a reciprocal healthcare agreement? Great - you may not need the most comprehensive medical cover. Still, don’t skip on key inclusions, especially if you take medication or your kids have specific health needs, like asthma.

You’ll spot gaps before they cause problems

All policies have exclusions. Comparing cover helps you avoid surprises when it matters most. No one wants to discover your lost luggage isn’t covered after it’s halfway to Lisbon - and you’re not.

Find the right travel insurance for your trip

Travel insurance policies usually include some or all of the following:

Medical expenses and emergencies

This includes hospital stays, doctor visits, and emergency evacuation. Many policies also cover dental emergencies and repatriation to your home country.

Trip cancellations or interruptions

Covers non-refundable expenses if you can't travel due to reasons like illness, injury, or natural disasters. Most policies now include optional COVID-related cover, which may cost extra.

Baggage and personal belongings

Smokers can get life insurance from all insurers that Compare Club works with. Average premiums for smokers are usually higher as health and lifestyle habits are assessed by insurers.

Rental vehicle excess

If you hire a car and are involved in an accident or damage occurs, travel insurance can cover the excess fee often required by rental companies.

Accidental death or dismemberment

Your travel insurer can provide financial support in the event of a serious accident during your trip.

Travel delays

Most policies also cover additional costs for meals, accommodation, or alternative transport if your travel is delayed due to covered reasons.

What's new in travel insurance?

  • Did you know that cover at sea isn’t automatically included in most travel insurance policies? Cruise cover is an optional add-on.

  • COVID-19 coverage is now standard with many insurers, but always check what’s included. Long covid is still quite a new condition for insurers to include so if you need it on your policy, look for an insurer that specifically includes this condition.

  • Adventure sport cover and winter sports insurance are increasingly common as Australians seek more thrill-based getaways.

  • Rental vehicle excess cover and motorbike/scooter add-ons are in higher demand as more people explore independently.

  • Domestic cover is still relevant, especially for flight cancellations, baggage issues, or rental car damage.

Updated as of 16 May 2025

Find the right travel insurance for your trip

Travel insurance policies usually include some or all of the following:

Single-trip policies
Ideal for one-time travellers, this type of travel insurance covers a single journey for a set duration.
Annual multi-trip policies
Best for frequent travellers, covering multiple trips within a year. If you travel often over a twelve month period.
Basic cover
Usual Inclusions
Covers essential medical expenses only.


Who is it for?
Budget travellers, countries with reciprocal healthcare agreements.
Standard cover
Usual Inclusions
Includes medical expenses, tour cancellation, lost luggage, and some extras.


Who is it for?
Most standard holidaymakers travelling on guided tours.
Compehensive cover
Usual Inclusions
Medical costs, cancellation fees, lost or stolen luggage, adventure sports, additional benefits.


Who is it for?
Those going on longer trips with complex itineraries moving through many countries - and travellers with complex medical needs.

How much does travel insurance cost?

  • This varies based on:
  • Your destination: Travelling somewhere remote or without reciprocal healthcare? Expect a higher premium. High risk destinations (e.g. travelling to a conflict zone) comes with higher premiums too.

  • Your travel duration: Longer trips = more exposure to risk.

  • Your age: Premiums often increase as you get older.

  • Any pre-existing conditions your may have: Some insurers will cover these for an additional fee.

  • Your excess: Higher excess = lower premium (but more out-of-pocket costs for you if you do need to claim).

  • Level of cover: Comprehensive cover costs more, but offers peace of mind and lower costs if you do need to claim.

For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.

Here’s the average travel insurance premium for the top five international travel destinations in 2025 (based on a two-week single traveller aged 40).

Destination
Average Cost (Basic)
Average Cost (Compehensive)
New Zealand
$40
$120
Indonesia (Bali)
$55
$160
United Kingdom
$45
$150
United States
$65
$190
Japan
$50
$170

Source: estimates are based on comparisons of policies from over 30 insurers, including Cover-More, NRMA, Allianz, and Travel Insurance Direct.

Here’s the average travel insurance premium for the top five domestic travel destinations in 2025 (based on a two-week single traveller aged 40).

Destination
Average Cost (Basic)
Average Cost (Compehensive)
Sydney
$20
$60
Melbourne
$22
$65
Gold Coast
$18
$55
Perth
$25
$70
Cairns
$23
$68

Source: estimates are based on comparisons of policies from over 30 insurers, including Cover-More, NRMA, Allianz, and Travel Insurance Direct.

Domestic policies often cover cancellations, car rental excess, and lost or stolen belongings.

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Meet our expert, Kate Browne
Kate Browne is Compare Club's Head of Research and Insights. With nearly two decades of experience as a managing editor, news editor, investigative journalist, and broadcaster, Kate has worked at leading organisations including Yahoo Finance, Finder, CHOICE, and the ABC. Her expertise spans a variety of areas such as credit cards, travel insurance, car insurance, health insurance, and personal finance. Kate has written for major publications like the Sydney Morning Herald, The Age, and news.com.au, and her insights help Australians make informed decisions across a wide range of financial and insurance products.

Kate's top travel insurance tips
  1. If your trip includes multiple destinations, you’ll want a policy that offers cover for every location. Also be mindful of other factors such as travel duration, age, any pre-existing conditions, your excess and level of cover. For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
  2. With pre-existing conditions: Long COVID isn’t always covered yet. If this matters to you, check policies carefully.
  3. Real reviews matter: Ask friends or read independent reviews before picking a provider. Avoid biased or uncontactable websites.
FAQs about travel insurance
Here are some of the most frequently asked questions we receive about travel insurance:
It’s what you pay out of pocket when you make a claim. For small claims (like lost earphones), it might not be worth claiming.
Many insurers now include COVID cover, but check your fine print. Some charge extra, and inclusions vary wildly. This add-on premium can also be affected by your destination.
Usually yes, but you’ll need to apply before your current policy expires, and additional fees may apply.
Some policies include this, others don’t. Read your Product Disclosure Statement (PDS) carefully - or ask before you buy.
Flight insurance only covers delays and cancellations. Travel insurance covers your trip, belongings, and health.
As soon as you’ve booked your trip. That way, you’re covered for cancellations or interruptions well before you pack your sunscreen. Things happen even before you leave home, such as family emergencies or health issues.
You usually can. Especially if you book your trip this way, but beware because these policies are often limited. You may get broader, better value by comparing standalone policies.
Things you should know

Compare Club Travel Insurance is owned and operated by Compare Club Australia Pty Ltd (ACN 634 600 007). Compare Club does not display all brands or all products offered by all brands.


You should consider the insurers PDS prior to making the decision to purchase their product. For more information please read our Financial Services Guide (FSG) which contains further information about how our service works and how we make money.