Whether you’re taking the family on an epic ski trip or planning a holiday to Australia, you need travel insurance. But which policies can truly protect you?
A little research can go a long way in helping you find the right travel insurance for your needs. We’ve rounded up the 8 best travel insurance in australia, as chosen by the experts at Mozo.
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1.Bupa Travel Insurance
Bupa travel insurance is a great option for anyone looking to take their next trip abroad. They offer a range of options to suit your needs, and can also help you with your medical cover.
This insurer is a big player in Australia, and has served more than 4.7 million customers in the country. They offer a variety of policies, including home, car and travel insurance.
In terms of their customer service, Bupa is rated highly on Trustpilot. They have a dedicated emergency assistance hotline available 24 hours a day, and can also liaise with local medical facilities in case of an accident or illness.
If you are a Bupa member, you may be able to get a discount on your travel insurance policy. You should read the policy wording to ensure that you are eligible to receive this benefit.
This insurer offers a range of benefits, including emergency evacuation, emergency medical and repatriation, and cover for pre-existing conditions. It also offers a 14-day cooling off period, so you can cancel your policy and get a refund within two weeks.
2.InsureandGo
Travel insurance is a must-have for any holiday, whether you’re preparing for an exciting adventure or just want to get a bit of peace of mind. When choosing a travel insurer, it’s important to choose one that has a range of options and offers excellent customer service.
InsureandGo is an online-only provider that has been in operation since 2000. It has a variety of policies to suit every traveller’s needs, from single trip domestic travel to annual multi-trip worldwide cover.
Its Bare Essentials policy is great for a budget-conscious traveller, providing unlimited cover for overseas medical expenses and a small amount of cover for personal belongings. It also has some impressive features like additional specified items cover, which pays out a maximum amount for your nominated personal belongings.
InsureandGo has a number of other features, including cover for dependents travelling with you on a single or family policy at no extra cost and a 24-hour emergency medical help line. Its claim handling process is transparent and easy to understand, making it an effective choice for travellers looking for a good value for money policy.
3.insure4less
Insure4less is a well-known provider in Australia that offers a wide range of travel insurance options for Australians to choose from. Its policy is rated highly by the Mozo community, with great reviews for customer satisfaction and value for money.
They offer a variety of options including a medical only policy and a comprehensive Excel Plus policy with a wide range of extras. This is a good choice for those who are travelling to an exotic destination and need extensive cover.
This is especially important if you are planning to do activities like bungee jumping or sky diving, as most standard travel insurance policies will exclude these activities. However, Insure4less is one of the few providers who will provide cover for rock climbing and other adventure activities as standard.
You can also purchase a one-way travel insurance policy from insure4less, meaning you can travel overseas on a one-way ticket but still have coverage if you return home early or need to cancel your trip for whatever reason. This will save you time and stress when travelling abroad.
4.Cover-More Travel Insurance
Cover-More is one of the biggest travel insurers in Australia and has been around for more than 20 years. It offers a range of policies to suit different budgets and trip requirements.
Their most popular travel insurance policy is the ‘Premium’ plan, which includes unlimited overseas medical cover, travel delays, and more. It’s sold as single-trip plans and annual multi-trip coverage.
On the domestic side, Cover-More’s standard policy is a no-nonsense option for those travelling within Australia, covering common travel costs such as lost luggage and rental car insurance excess. It also has a ‘trip cancellation’ plan, which pays out a percentage of pre-paid travel costs in the event that your journey is cancelled or delayed due to external factors.
While Cover-More’s travel insurance may be worth checking out, it is a bit limited by the amount of cover on offer and the deductible. Its default excess is $250 per claim, which can be lowered to $100 or $0 at the time you purchase your policy in exchange for a higher premium amount.
5.1Cover
Travel insurance is essential for big trips and there are several different types to choose from. They can cover a range of expenses including medical treatment, trip cancellation and luggage.
You need to find a policy that suits you best and that includes all the things you want to be covered for. This is best done by comparing travel insurance policies and reading up on real customer experiences, which can give you a good idea of what to expect.
One of the most important things to note when considering a policy is how it covers pre-existing medical conditions. Some insurers will automatically offer cover for pre-existing conditions, but others may need a medical assessment or other proof of your condition before you can take out a policy.
1Cover offers a comprehensive policy that provides unlimited cover for medical expenses and emergency repatriation, as well as some additional benefits, such as travel delay and trip cancellation. It also covers a number of activities, including skiing and snowboarding, although you need to buy the Winter Sports pack.
6.Qantas Travel Insurance
Qantas is Australia’s biggest airline and offers a range of travel insurance policies. Their most comprehensive policy is the International Comprehensive and it includes cover for cancellation, excesses on a rental car, lost luggage and unlimited overseas medical treatment.
However, if you need more flexibility, you can add extras like snow sports and medical assistance for pre-existing conditions to your policy. These options can add up to a significant premium, but it’s worth considering the benefits they offer.
The policy also comes with a 21-day cooling-off period, which means you can cancel your policy within that time and get a refund. You can also make a claim 24/7 and you’ll need supporting documentation like police reports or hospital bill invoices to submit to the insurer.
Aside from its standard international and domestic travel insurance options, Qantas also offers an Annual Multi Trip plan for frequent travellers. This plan covers you for any eligible trips taken over 12 months with a maximum duration of 60 days.
7.Fast Cover
Fast Cover has a reputation for being one of the best travel insurance providers in Australia. They offer a range of travel insurance policies including cruise trip, ski holiday and backpacker insurance.
This includes comprehensive coverage and a money-back guarantee on cancellations. You can get a quote online or over the phone.
When it comes to choosing a policy, you need to read the PDS carefully so that you can determine what you need to cover and how much it costs. You can also look at customer reviews to see if you like the company and their service.
If you have a medical condition or pre-existing illness, be sure to check that your policy covers it. If not, you could be paying out of pocket for emergency treatments, hospitalisation or repatriation to your home country if you’re injured while travelling overseas.
For a high-quality travel insurance that is affordable and easy to understand, Fast Cover is an excellent choice. They also have a 25-day money-back guarantee if you cancel your policy within 25 days and haven’t travelled or made a claim.
8.Australia Post
Australia Post is one of the best travel insurance companies in Australia. Their policies are easy to get and they have flexible offerings so you can get the right cover for your trip.
Besides that, they also have 24/7 customer care services which ensures that any problems you face are resolved on time. They offer a variety of options for you to contact them, including email, phone, and online forms.
With Australia Post you can get cover for international and domestic trips, as well as multi-trip plans. They also have a few optional extras you can add to your policy, like cancellation cover, luggage, personal liability, rental car, travel documents, and delays.
The company is a government-owned organization that provides postal and parcel services in Australia. Its divisions include Postal Services, Parcel Services, Retail Services, and Insurance Services.
To keep up with its customers, Australia Post needed to invest in a new way of working. The result was a transformation to a culture that fosters curiosity, innovation, and learning. To achieve this, Australia Post embraced the Scaled Agile Framework (SAFe), an operating model that helps to enable Lean and Agile principles across the business.
