Single Trip
Annual multi trip

LOOKING FOR MEDICAL TRAVEL INSURANCE?

Medical costs overseas can add up fast. We help you find the right cover before you go. So you’re protected if something goes wrong.

Get a fast, free quote in minutes from a range of trusted travel insurance brands.
Find the right cover and save. With exclusive discounts from insurers for Compare Club customers.
Match your policy for your trip by varying the excess payable and additional cover, such as snow sports and cruise, directly on the insurer's website.

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

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

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 with no pre-existing medical conditions (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

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 (Compehensive)
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.

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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

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.

FAQs about travel insurance

Here are some of the most frequently asked questions we receive about travel insurance:

What is an ‘excess’?

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.

Is COVID-19 covered by travel insurance?

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.

Can I extend my travel insurance cover?

Usually yes, but you’ll need to apply before your current policy expires, and additional fees may apply.

Is stolen cash covered?

Some policies include this, others don’t. Read your Product Disclosure Statement (PDS) carefully - or ask before you buy.

What’s the difference between travel and flight insurance?

Flight insurance only covers delays and cancellations. Travel insurance covers your trip, belongings, and health.

When should you buy travel insurance?

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.

Can’t I get travel insurance through my credit card?

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 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.

Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326). The financial products compared on this website do not necessarily compare all features and products in the market that may be relevant to you.

Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Not all products are available to all customers. Information found on the Compare Club website is for general purposes only. Before using our website, you must review our Terms of Use, the Privacy Policy, Financial Services Guide (Life Insurance Products), Financial Services Guide (General Insurance) and Credit Guide (Home Loans).

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