Travel Insurance Companies in Australia 2023-2024 | Application & Requirements

We are pleased to inform you about Travel Insurance Companies in Australia 2023-2024 | Application & Requirements

Travel insurance is one of those necessities, ensuring that you and your travel partners are well-protected in the event of any accidents, illnesses, or disruptions. Here are the best travel insurance companies in Australia.

10 Best Travel Insurance Companies in Australia

To help you in finding the best travel insurance, we’ve selected the top best for you after careful consideration.

1. Cover-More

Cover-More is one of our top picks for adventure vacations because its policies cover up to 142 adventure sports and activities, which is the most of any provider we evaluated. Some of these activities, such as abseiling, backpacking, biking, and sledding, are automatically covered by standard insurance policies. Thrill-seekers can also supplement their coverage with Cover-More’s Adventure Activities and Adventure Activities pack. Meanwhile, its Gold and Platinum policies cover extreme sports like windsurfing, arctic marathons, and snow parascending.

2. Australia Post

The best option for travelers who won’t be taking a cruise is Australia Post’s Travel Insurance. It has excellent medical coverage, including for COVID-19-related needs, but any claims made while the passenger is on a cruise are void. Additionally, cruises lasting longer than two nights must be added to the policy as an additional pack, which entails an additional premium.

3. Travel Insurance Saver

With policies covering a total of 43 illnesses, Travel Insurance Saver is the best option for pre-existing conditions. Among the conditions this travel insurance covers is Diabetes, which must be diagnosed more than six months before insurance is purchased, and vitamin B12 and iron deficiencies are among the conditions it also covers. The company also provides up to $1,000 in coverage for emergency dental procedures and 24-hour emergency assistance, which is a feature that not all Australian travel insurers provide.

4. World2Cover

World2Cover is the only travel insurer on the list that covers the policyholder’s children or grandchildren, making it the best choice for family benefits. It covers dependents up to the age of 25 as long as they are financially reliant and do not work full-time, so travelers do not need to purchase additional policies. In addition, the insurer offers free coverage for an unlimited number of dependents, as well as all standard travel insurance benefits such as medical expenses, cancellation costs, luggage delay, and COVID-19 coverage.

5. Qantas Travel Insurance

Qantas Comprehensive Travel Insurance covers all medical expenses, including dental and also COVID-19 diagnoses. It also automatically covers 43 pre-existing medical conditions (subject to certain criteria) and allows for a medical assessment for any conditions not listed.

There is unlimited cancellation coverage and coverage for missed connections for special events up to $2500. There is also coverage for travel delays of more than six hours, with a maximum of $250 every 24 hours and a total maximum of $1500.

6. insure4less 

Insure4less travel insurance is one of our top picks that will pay for your COVID-19-related medical costs as well as, if necessary, any additional costs associated with your early return to Australia due to COVID-19.

It includes personal liability up to $7.5 million, connecting flights up to $1000, lost luggage up to $5000 (sub-limits apply), and cancellations up to $7500 per person.

7. Fast Cover

Fast Cover is an Australian-owned and operated travel insurance company. About one-third of all travel insurance companies in Australia provide coronavirus coverage, but only a few provide a detailed list of inclusions, such as Fast Cover, which is our top pick for COVID-19 features. If a family member back home becomes infected or dies as a result of COVID-19, the insurer covers medical evacuation, childcare expenses, trip cancellation and rearrangement costs, and trip interruption.

8. InsureandGo

For domestic travel, we recommend InsureandGo. The top policies from the Mapfre Group subsidiary Cover rental car expenses up to $7,500, the most of any travel insurance company evaluated. Its Gold policy also includes a $50,000 cancellation fee, $8,000 for lost or stolen luggage, and $5,000 for COVID-19 cancellation and rescheduling fees.

9. Allianz

Travel insurance is intended to protect you against a variety of unexpected events that may occur while you are traveling abroad or in Australia. Unlike many other insurance providers, Allianz has a generous unlimited medical policy that includes hospital expenses and unlimited dental. Pre-existing medical conditions are also covered; however, assessments are required, and conditions must be met.

Depending on the needs of the individual traveler, there is also the option to increase certain limits (cancellations, luggage, etc.) for higher levels of coverage.

10. Bupa Travel Insurance 

Bupa travel insurance and its comprehensive travel insurance policy are nearly identical to Allianz’s offering. Along with unlimited medical, hospital, and dental coverage, Bupa provides 24/7 emergency assistance to doctors and nurses based in Australia.

We combed through the leading players to determine the best comprehensive travel insurance providers for those looking for the best travel insurance around to help you find the best option suitable for their needs.

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