Best Travel Insurance Australia:Whether you’re jetting off to Bali, backpacking through Europe, or exploring the Australian Outback, travel insurance is your safety net. From flight cancellations and lost luggage to emergency medical expenses abroad, the best travel insurance in Australia ensures your trip stays stress-free.
In this guide, we’ll break down the top travel insurance options available for Australians in 2025, highlight key features to look for, and answer common questions so you can choose the best policy for your next adventure.
Why Australians Need Travel Insurance
Australia is a long way from most international destinations, which means travel interruptions or emergencies can be costly. Here’s why insurance is a must-have:
- Medical Emergencies Overseas: Medicare doesn’t cover you abroad. Without travel insurance, you could be stuck with massive hospital bills.
- Trip Cancellations/Delays: Whether it’s due to illness, natural disasters, or airline strikes, cancellation protection is vital.
- Lost or Delayed Baggage: Travel insurance reimburses you for clothing, toiletries, and other essentials if your luggage goes missing.
- Adventure Sports Coverage: Many Australians enjoy activities like skiing, surfing, and hiking—make sure you’re covered.
What to Look for in the Best Travel Insurance
Here’s what Australians should prioritize when comparing travel insurance plans:
- Medical Coverage: Choose a policy with at least $1 million in medical expenses and repatriation coverage.
- Trip Cancellation/Interruption: Covers prepaid expenses if your trip is cancelled or cut short for a covered reason.
- Pre-Existing Medical Conditions: If you have a health condition, make sure it’s covered—or check for a waiver.
- 24/7 Global Emergency Assistance: Access to emergency help whenever and wherever you are.
- Adventure Activity Coverage: If you’re planning on bungee jumping or skiing, confirm that it’s included.
- COVID-19 Cover: Ensure your policy covers pandemic-related disruptions, including cancellations and medical treatment.
Top Travel Insurance Providers in Australia (2025)
Here are the best-reviewed and most trusted travel insurance providers for Australians this year:
1. Cover-More Travel Insurance
- Best for Comprehensive Cover
- Strong COVID-19 and cruise coverage
- Great value for both domestic and international travel
- Offers policies for seniors and those with pre-existing conditions
2. Southern Cross Travel Insurance (SCTI)
- Best for Families and Couples
- Unlimited medical cover overseas
- Child coverage included with parents’ policies
- Affordable pricing with excellent customer reviews
3. Fast Cover Travel Insurance
- Best for Adventure Seekers
- Includes more than 100 adventure activities
- Flexible policies for last-minute travellers
- Competitive rates and easy claims process
4. 1Cover Travel Insurance
- Best for Frequent Travellers
- Annual multi-trip policies available
- Excellent customer service and clear policy wording
- Cover for lost luggage, delays, and medical expenses
5. InsureandGo Australia
- Best Budget Option
- Competitive rates for international and domestic travel
- COVID-19 and cancellation coverage available
- Often cheaper for backpackers and students
Domestic vs International Travel Insurance
Many Aussies overlook the value of domestic travel insurance. But it can still cover:
- Cancellations due to illness or bushfires
- Lost or delayed baggage
- Rental car excess cover
- Travel delays within Australia
If you’re traveling overseas, make sure your international policy includes:
- Emergency evacuation and repatriation
- Coverage for your specific destination
- Access to English-speaking medical support
Travel Insurance for Aussies with Pre-Existing Conditions
Most insurers require you to declare any pre-existing medical conditions. Some conditions are automatically covered (e.g., asthma, high blood pressure), but others may require an additional premium.
Helping Note:Buy your insurance within 14 days of your first booking to access coverage for pre-existing conditions and cancellation protection.
From Bali beaches to European capitals, Australian travellers deserve peace of mind. Whether you’re young, a senior, an adventure junkie, or just heading interstate, finding the best travel insurance in Australia ensures your trip is safe, covered, and stress-free.
Don’t take risks—compare, review, and purchase the right policy before takeoff. Your future self will thank you.
FAQs
1. Do I need travel insurance for domestic trips within Australia?
Yes, especially if you’re flying or booking tours. It covers cancellations, delays, and lost baggage.
2. Can I get cover for COVID-19?
Many Australian insurers now include COVID-19 coverage for cancellations, medical expenses, and trip interruptions.
3. What’s the average cost of travel insurance from Australia?
It depends on your age, destination, and length of trip. Expect to pay around $100–$300 for a two-week international trip.
4. Is travel insurance mandatory?
Some countries (like Thailand or the UAE) may require proof of travel insurance. It’s always smart to have it.
5. How do I choose the right plan?
Compare on trusted sites like CompareTheMarket, Finder, or Canstar. Look for transparent pricing and flexible options.