Get covered from $4.58* per day Get expert-rated quotes fast, compare prices and features in just a few clicks. *Based on quotes received from Canstar’s travel insurance panel between 1 Oct 2025 - 31 Dec 2025. By comparing you could save on travel insurance. Thousands of travellers are already saving, why not you? Get covered for as low as $117* for a couple’s 8-day tropical escape to Bali Get covered for as low as $303* for a 15-day family’s ski adventure in Japan Get covered for as low as $154* for a 2-week solo adventure to the United States Get covered for as low as $86* for your 10-day local gateway within Australia Compare from a range of Travel Insurance providers We do not compare all brands in the market, or all products from our participating brands. At times certain brands or products may not be available or offered to you. Learn more. Why compare travel insurance quotes with Canstar? Save time & money Use our travel insurance comparison tool to get travel insurance quotes in minutes. Need time to decide? No problem, we’ll email the quotes to you. Get peace of mind Things don’t always go to plan. Make sure you’re covered for unexpected medical bills, trip delays, lost bags and other unwanted surprises. Expert research you can trust Our team of researchers crunch the numbers to rate providers based on value to help you find quality cover at great prices. Award-winning travel insurance providers Our research team has done the hard work, comparing costs and features to help Aussie travellers find providers that offer great value. Featured Insurance Offers Compare a selection of travel insurance providers in Australia, with real-time offers and features. The below table is showing results for a 18-69 year old person travelling to the USA. This table only shows products from our Online Partners who are able to return product prices. The Cover Rating is based for the International profile. The International profile considers a range of travel destinations and consumer profiles. See the Travel Insurance Cover Rating Methodology for more details. The table is sorted by Cover Rating (highest to lowest) then Provider Name (Alphabetical). Sally Tindall’s guide to comparing travel insurance Travel insurance tips from our expert: If you’re looking for the best travel insurance policy, here are a few simple tips for choosing travel insurance that suits your needs: Sort your insurance out early : Don’t wait until you’re on your way to the airport to lock in your cover. Many policies include cancellation cover, which means you could be refunded for a range of pre-paid travel expenses if you suddenly find you can’t fly. Scrutinise your medical cover : No-one plans to have a medical emergency when travelling overseas, but if it happens, then it’s important to have a plan that covers you for any big unexpected medical expenses. Don’t skimp on the important things : When it comes to travel insurance, a handful of extra dollars can often go a long way when it comes to things like excesses and claimable amounts. Thrill seekers, beware : Not every mishap is automatically covered in a standard travel insurance policy. If you plan to engage in any fun stuff like skydiving, scuba diving or diving out of a helicopter into a mountain of untracked powder snow, check you are covered before you jump in. Compare your options : Comparing travel insurance before you set off will give you the confidence to enjoy your holiday, knowing you’ve got all the cover you need, instead of coming home short changed, wishing you’d read the fine print. Sally Tindall, Canstar Director of Data insights One of Australia’s leading financial and political commentators, Sally Tindall serves as Canstar’s official spokesperson and Director of Data Insights. An advocate for national financial literacy, Sally regularly provides industry commentary and consumer insights within the banking, insurance, energy, and broader financial services industries, empowering Australians to make financially sound choices. Sally’s passion lies in helping consumers choose the right insurance products at the right price—be it for health, home, or travel. As a nation of travellers both interstate and overseas, Sally’s expert tips provide holidaymakers with peace of mind before heading on their next adventure. Her expert insights are frequently sought by leading Australian media outlets including Australian, Herald Sun, Sydney Morning Herald, The Australian Financial Review, Herald Sun, ABC , Karryon , Insurance Business , Domain.com.au, realestate.com.au, 9news, and Yahoo! Finance. Sally’s extensive career includes working across all levels of Australian government, notably for the Hon. Julia Gillard, where she contributed to Federal Budgets focused on easing living costs and led communications at multinational finance forums like the G20 and APEC. Follow Sally on LinkedIn . Wander the world, worry free Find the right policy, compare and get instant quotes for your next adventure. Travel Insurance Explained What is travel insurance? Travel insurance is a type of insurance that is intended to cover you for emergencies, accidents or other events that occur unexpectedly while you are away from home. Say you touch down at your destination only to learn that your luggage did not arrive with you, or you take a tumble and break something on the first day of your dream holiday. At stressful times like these, travel insurance may be able to help you with certain associated expenses. Broadly speaking, there are two main types of travel insurance: Domestic travel insurance covers you for trips taken within Australia International travel insurance will cover you for overseas trips, and typically covers slightly different things than domestic cover. What does travel insurance cover? Depending on the kind of policy you have, the best travel insurance can cover you in a range of different situations, and providers will offer a range of travel insurance inclusions. Generally speaking, though, travel insurance is likely to cover you for the costs associated with things such as: Lost or stolen luggage: Personal effects can be lost, stolen or damaged during a trip, and if your luggage goes missing, your laptop is stolen or an important item is damaged, travel insurance may be able to help with replacement or repair costs. Medical costs: If you injure yourself while on an overseas trip, you may need to see a doctor, and overseas hospital bills can be expensive, not to mention the cost of transport home, if required. Travel insurance may cover some of these costs for you. Natural disasters: Natural disasters happen, and if a prepaid booking falls through because of a natural disaster and you are unable to get your deposit back, travel insurance may be able to help with the cost. Depending on the policy, it may also help to cover costs if you need to be evacuated from your holiday destination. Liability for accidents: If you are at fault in an accident overseas, you may find yourself in legal trouble. Some travel insurance policies can provide cover for liability in these situations, up to a certain amount. Family emergencies: It’s stressful when a close family member becomes sick, and even more so if you are overseas and cannot rush to their side. Some travel insurance policies may provide cover to help you get home in these situations. What are the different types of travel insurance? Depending on your needs and situation, you might opt for either a basic or a comprehensive travel insurance policy. Basic: These policies tend to only provide cover for medical emergencies, and can therefore be suitable for younger people who are travelling light and do not necessarily wish to insure their possessions. Comprehensive: Comprehensive travel insurance policies , on the other hand, tend to offer coverage for a broader range of situations, including cover for cancellation costs and lost or stolen property along with cover for medical emergencies. These types of policies generally cost more than the basic policies. It’s important to remember that no travel policy will cover you for every single thing that could possibly go wrong while you’re away. Some may provide coverage for the situations mentioned above, but potentially only in limited circumstances. It’s important to carefully read the terms and conditions in the Product Disclosure Statement (PDS) for any policy you’re considering when comparing travel insurance, and ask the provider any questions you may have when purchasing the insurance, so you know what is and is not covered. How to find the best travel insurance? There is no one-size-fits-all solution when it comes to travel insurance, and the ‘best’ option will come down to what suits your needs and budget. For instance, if you plan on a more adventurous holiday where you’ll be skiing or snowboarding or even outdoor rock climbing, then the best policy for you will be one that offers cover for your chosen activity at a competitive price. On the other hand, if you are particularly concerned about lost or stolen luggage, then the best cover for you may be one that offers a high limit for this. When comparing travel insurance, it’s important to think carefully about your specific needs, to ensure you can find a policy that covers them at a price that suits your budget. How much does travel insurance cost? There is no set cost for travel insurance, and it will vary depending on a number of key factors. The most common things that influence the cost of travel insurance include: Where you’re travelling The length of your trip Your age and the ages of those accompanying you Any pre-existing medical conditions you have The type of policy you choose Any extras that you choose to add on to the cover (i.e. snow sports or cruise cover ) It may be the case that travel insurance for seniors is more expensive, as insurance providers may feel that there are more potential health risks associated with older travellers. You may also find, however, that a policy more suited for seniors can also include some benefits tailored for older travellers. It could be a good idea to get a few quotes from different providers and compare both price and coverage before making your decision. The comparison tool at the top of this page allows users to input a few details (no personal details such as email are required) to generate a shortlist of providers and quotes. How to find cheap travel insurance? If you’re looking for cheap travel insurance, consider the following: Use Canstar’s comparison tool: By clicking the ‘compare’ or ‘compare travel insurance’ button and entering in some details about your trip, you can compare a range of different policies on both price and features. Look for deals: Some providers may offer exclusive deals and discounts to Canstar customers who use our comparison tool. There may also be deals that are more broadly available on providers’ websites. Avoid paying for things you don’t need: Cover for adventurous activities such as skiing, snowboarding or white water rafting can make an insurance policy more expensive, so if you don’t plan on partaking in these activities, then it doesn’t make sense to have extras like these included on your policy. Consider only what you require (i.e. cover for medical expenses, travel delay and cancellation, lost or stolen luggage etc.) when comparing policies. Increase your excess: As with most types of insurance, you’ll usually be required to pay an excess when making a claim. You can often reduce your travel insurance premium by increasing your excess amount—if your chosen provider allows for this. It’s important to note that you’ll need to be able to contribute this higher excess amount when making a claim. Check your credit card: Some credit cards come with complimentary travel insurance , which may mean you won’t need to take out a standalone travel insurance policy. This type of travel insurance, however, can come with a host of terms and conditions, such as all of your travel-related purchases having to be made using the card. The policy itself may also be rigid in what it covers, as credit card travel insurance will generally not cover pre-existing medical conditions . This feature is also usually only offered by more premium credit cards with higher annual fees and purchase rates, which means it’s important to consider these factors and whether they erode any savings you could make in travel insurance costs, before taking out a card such as this. Is travel insurance worth it? Whether or not travel insurance is worth the cost is a personal decision, but one that should be seriously considered when deciding to travel. The Australian Government’s Smartraveller website stresses the importance of travel insurance for Aussies heading abroad, saying that it’s “as important as a passport”, and warning that you and your family could “suffer financially if things go wrong” on your trip. “No matter who you are, where you’re going and what you’re doing, get insurance,” Smartraveller states. When you’re getting ready to jet off for a trip, there are a lot of expenses you’ll already face, such as flight and hotel bookings, holiday activities and even cold weather gear. Then you’ll need to allocate money to actually have fun while you’re on your trip. When you factor in all these costs, travel insurance may seem like an additional expense that’s not worth it, however, it is important to remember that if you don’t have at least some level of cover, your trip could end up costing you a lot more than you bargained for. While it will be an additional expense, the best travel insurance can save you a lot of money and heartache if the unexpected occurs on your trip. Does travel insurance cover medical expenses? Yes, travel insurance can cover medical expenses, although it will depend on the level of cover you choose. In a general sense, when it comes to medical expenses, travel insurance can cover you for such things as: Overseas medical treatment: This can include such things as the costs of doctors’ appointments and necessary medications. Emergencies: If you require emergency treatment, travel insurance can cover the costs of emergency surgeries and transport in an ambulance. Hospitalisation: If the nature of your injury or illness is such that you require hospitalisation, travel insurance can pay for expenses related to your stay. Repatriation: If the nature of your injury or illness is such that you require transportation back to Australia, the costs of this can be covered by travel insurance.

Medical expenses may be a major reason to take out travel insurance. You may have seen stories on the news about Aussies injured overseas and faced with thousands if not hundreds of thousands of dollars in medical bills, and significant transport costs if repatriation is required. The Australian Government has reciprocal healthcare agreements (RHCA) with certain countries, meaning that in Belgium, Finland, Ireland, Italy, Malta, the Netherlands, New Zealand, Norway, Slovenia and the UK, you may be partially covered for medical treatment. However, it is worth keeping in mind that the scope of this cover can be limited, and if you are travelling in a country without an RHCA and you experience a medical emergency, you may find yourself facing a considerable bill. It is important to keep in mind that travel insurance policies generally also have exclusions around what medical expenses are covered. Surgeries and treatments deemed non-essential may not be covered, and likewise, private hospital rooms may not be covered, unless deemed necessary by doctors. What are some common travel insurance exclusions? Travel insurance policies will not cover you for everything that happens to you while you’re on a trip, and in some cases, you’ll need to take out specific kinds of cover above and beyond standard travel insurance in order to be covered. Some common travel insurance exclusions are: Costs or cancellations that arise from a pandemic or an epidemic (such as COVID-19) Skiing or other snow activities (typically, you’ll need snow cover for that) Dangerous activities (‘hazardous pursuits’) such as such as scuba diving or bungee jumping (some insurers may cover this automatically, but it’s possible you may need to pay extra or buy a separate adventure travel policy) High-value belongings (unless you tell your insurer about them and they’re listed for cover on your policy) Risky or irresponsible behaviour on your part, including behaviour while under the influence of alcohol Pre-existing medical conditions that you didn’t tell your insurer about when applying for insurance Intentional illegal behaviour, or breaking local laws and regulations more generally Lost items where you left your belongings unattended Driving a motorbike overseas (you may be able to obtain cover in some cases if you have a motorbike licence and are driving a low-power vehicle – but check with your insurer) About our travel insurance experts Nina Rinella, Editor-in-Chief As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for eight years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. Nina has ghostwritten dozens of opinion pieces for publications including The Australian and has been interviewed on finance topics by the Herald Sun and the Sydney Morning Herald. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can also read more about Canstar’s editorial team and our robust fact-checking process . Josh Sale, Travel Insurance Ratings Manager As Canstar’s Group Manager, Research, Ratings & Product Data, Josh Sale is responsible for the methodology and delivery of Canstar’s Travel Insurance Star Ratings. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them. Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review , news.com.au and Money Magazine . You can follow Josh on LinkedIn , and Canstar on X and Facebook . Travel Insurance FAQs How do you get travel insurance? What should you look out for when choosing travel insurance? Which travel insurance providers won a travel insurance award? Looking to find out more about travel insurance for popular holiday destinations? Does travel insurance cover COVID-19? Compare travel insurance for your destination of choice Latest articles in travel insurance Travel insurance for pre-existing medical conditions What are the best airlines for in-flight dining? 2025 Travel Insurance Awards From near-disaster to smooth departure: how I got a new passport in under 24 hours Lost passport? How to get an emergency passport Travelling overseas checklist: how to plan for a big trip Travel insurance for skiing and snowboarding Aussies ditch the US, favouring closer and cheaper destinations Latest articles in travel insurance Travel insurance for pre-existing medical conditions What are the best airlines for in-flight dining? 2025 Travel Insurance Awards From near-disaster to smooth departure: how I got a new passport in under 24 hours Lost passport? How to get an emergency passport Travelling overseas checklist: how to plan for a big trip Travel insurance for skiing and snowboarding Aussies ditch the US, favouring closer and cheaper destinations Important Information For those that love the detail This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. Advertiser Disclosure Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards. *Travel insurance claims calculations and important information The actual cost of your travel insurance will vary based on your individual circumstances, including your travel destination and any personal risk factors (e.g. age or pre-existing conditions). Always read the PDS and confirm cover details with the provider. Get covered from $4.58* per day *Average quoted premium per day per traveller based on quotes received from Canstar’s travel insurance panel between 1 Oct 2025 to 31 December 2025. USA Based on quotes received for a 35-year-old traveller heading to the USA from 1/12/2026 to 14/12/2026. Quotes were collected on 22/1/2026 from Canstar’s travel insurance panel. All quotes included at least $10,000 in trip cancellation cover, $5,000 for luggage, and unlimited medical cover. Indonesia (Bali) Based on quotes received for two travellers aged 28 and 30 heading to Indonesia (Bali) from 15/4/2026 to 22/4/2026. Quotes were collected on 22/1/2026 from Canstar’s travel insurance panel. All quotes included at least $10,000 in trip cancellation cover, $5,000 for luggage, and unlimited medical cover. Japan Based on quotes received for a family of four (two adults aged 40 and 38, and two children aged 8 and 10) travelling to Japan from 5/1/2027 to 19/1/2027. Quotes were collected on 22/1/2026from Canstar’s travel insurance panel. All quotes included at least $10,000 in trip cancellation cover, $5,000 for luggage, snow sports cover, and unlimited medical cover. Australia Based on quotes received for a 60-year-old travelling within Australia from 20/12/2026 to 30/12/2026. Quotes were collected on 22/1/2026 from Canstar’s travel insurance panel. All quotes included at least $10,000 in trip cancellation cover, $5,000 for luggage, and unlimited medical cover. Target Market Determination (TMD) - Travel Insurance What is a Target Market Determination? A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers. Why do product issuers provide Target Market Determinations? TMDs are compulsory for most financial products. TMDs are compulsory for most financial products. Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer. Canstar takes this responsibility seriously. As a distributor, we periodically review the TMDs of products we list on our website to help ensure our distribution channels are likely to result in the products reaching consumers within the relevant target market. Not all policies provide cover for pre-existing medical conditions, unless they are declared, assessed, and explicitly accepted by the insurer. Claims may also be excluded if they arise from illegal acts, self-inflicted injury, or if the person was under the influence of alcohol or drugs. You may be denied coverage for countries that have a “Do Not Travel Advisory” from governments. It is important you check the insurance provider’s policy documentation carefully to ensure you are covered for your situation. This is one of the reasonable steps we take to comply with our obligations. We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD. Travel Insurance Prices Any prices displayed are current (as provided by the insurance provider to Canstar) on the day you access the Canstar travel insurance comparison tool but are subject to change at the provider’s discretion. You should confirm any price with the provider before making a purchase decision. Travel Insurance Cover Ratings & Sort Order The Travel Insurance Cover Ratings are updated daily, based on the information held in our database at the time of rating. While we aim to maintain daily updates, there may be occasional delays. Cover Ratings reflect the data available as at the date listed in the Cover Rating pop-up on the table. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Learn more about our Travel Insurance Star Rating Methodology . The rating shown is only one factor to take into account when considering products. The rating shown is only one factor to take into account when considering products. The products and Cover Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands, but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary. General Advice Warning & Detailed Disclosure - Insurance The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Check current rates and product details with the product issuer. The results will show the products that most closely match the inputs in the selector above the table. If you are unsure about any terms used in the comparison table please refer to the glossary. Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. It’s important you check product information directly with the provider. N ot all policies cover every part of a region. Your specific address may not be included in the policy’s coverage, even if other parts of the area are. For example, some insurers cover North Queensland but exclude Far North Queensland. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD. For more information, read our Detailed Disclosure . Policy Coverage Limits Some insurance providers display cancellation limits and luggage limits per person while others display these limits as a collective figure for all travellers. Always ensure you check directly with the insurance provider before purchasing a policy to confirm whether the advertised cancellation or luggage limits apply to all travellers in your party. Comparisons not Recommendations Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar. Modifying Existing Insurance Arrangements If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy. Insurance Issuer Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.