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COVER THAT FITS YOUR TRIP, NOT SOMEONE ELSE'S
From missed flights to lost bags, compare a range of trusted brands and get the right cover at the right price.
Free quotes in minutes from a range of trusted travel insurance brands.
Exclusive discounts for Compare Club customers.
Match your policy by varying excess levels.
Add optional extras such as Cruise, Snow Sports and Rental Vehicle Excess.
Our travel insurance partners
Explore coverage from trusted names and boutique providers. We compare a range of policies from these travel insurance providers.
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
Terms and conditions may vary between providers, so check the policy wording
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
Protection against loss, theft, or damage to your luggage and personal items. Some policies even include cover for essential items if your luggage is delayed.
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.
Find the right travel insurance for your trip
Travel insurance policies usually include some or all of the following:
Covers essential medical expenses only.
Who is it for?
Budget travellers, countries with reciprocal healthcare agreements.
Includes medical expenses, tour cancellation, lost luggage, and some extras.
Who is it for?
Most standard holidaymakers travelling on guided tours.
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 with no pre-existing medical conditions (based on a two-week single traveller aged 40)*
Destination | Average Cost (Basic) | Average Cost (Comprehensive) |
|---|---|---|
New Zealand | $40 | $120 |
Indonesia (Bali) | $55 | $160 |
United Kingdom | $45 | $150 |
United States | $65 | $190 |
Japan | $50 | $170 |
Here’s the average travel insurance premium for the top five domestic travel destinations in 2025 with no pre-existing medical conditions (based on a two-week single traveller aged 40)*
Destination | Average Cost (Basic) | Average Cost (Comprehensive) |
|---|---|---|
Sydney | $20 | $60 |
Melbourne | $22 | $65 |
Gold Coast | $18 | $55 |
Perth | $25 | $70 |
Cairns | $23 | $68 |
*Estimates (international and domestic) are based on comparison of over 30 different travel insurance policies, from providers that include Cover-More, NRMA, Allianz and Travel Insurance Direct.
Domestic policies often cover cancellations, car rental excess, and lost or stolen belongings.
Excellent
Based on 10329 reviews on
The helpful person wss a excellent
The helpful person wss a excellent
customer
Adrian had a pretty good understanding…
Adrian had a pretty good understanding of what I was after and he found a plan which he did say the i need to manage depending on the situation and circumstances. But I was told that in 2 business days I will be connected to agl but it hasn't happened so far I think it may take longer. So I am patiently waiting I have my battery app set up to export power in peak time.
Dewashkumarchand
All too easy
All too easy
Kerry
Quick easy process
Quick easy process, no hassles & found a good policy. I had to the operator Kelvin a few days later & he was so helpful Would recommend this service
Janice Mitchell
Very good communication very easy to…
Very good communication very easy to understand. Would recommend to friends and family.
Judy Jans
Had amazing communication with Alex who…
Had amazing communication with Alex who listened to my nagging about what i did and didn’t want and came up with a helpful solution and handled me with care when I end up speaking with Joel who ultimately helped me through the final stages Great communication, transparent and just a very nice and humble experience
Lousia
Such an easy process!
I had been meaning to reexamine my health insurance for a while and had even started investigating, but got overwhelmed. Having Andrew ask me the pertinent questions, suggest suitable cover, be able to explain why and generally answer my questions made it a really easy experience to choose a new health insurer and effect the transfer. I was also comforted by the cooling off period to enable me to check the details for myself.
Jo
Fantastic experience!
Fantastic experience!
Trish
- 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.
- With pre-existing conditions: Long COVID isn’t always covered yet. If this matters to you, check policies carefully.
- Real reviews matter: Ask friends or read independent reviews before picking a provider. Avoid biased or uncontactable websites.
Compare Club Travel Insurance is an online comparison service. The information on this page is provided by Compare Club Australia Pty Ltd (“Compare Club”). Compare Club does not compare all travel insurance providers or all products offered by travel partners.
Any advice given here is general and has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to those objectives, situation or needs.
This comparison service does not necessarily compare all features that may be relevant to you. You should consider the insurer’s 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 are paid.
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