Travel insurance buying guide

Are you paying too much to insure your holidays? Here's how to find a good deal on travel insurance.
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06.Checklist & contacts


To find a policy that covers your needs take the following steps:

  1. Read What’s covered  and take note of the coverage you need, and any traps to watch for.
  2. Contact a number of insurance companies for quotes and policies.
  3. If you travel regularly, check whether an annual policy might be suitable and cheaper.
  4. Read several policies before making your final decision.
  5. If you have any questions, double-check with the insurer and get it in writing before you sign the contract.

Read the fine print in policies very carefully to understand exactly what’s covered and what isn’t:

  • Is there sufficient cover for medical expenses, personal liability and legal costs? If you’re travelling to the United States, Japan or Europe unlimited medical cover is recommended.
  • Check what excess applies; some policies have an excess buy-out — you pay a flat fee and no excess applies.
  • Do you want to do any adventure activities, such as scuba diving, and are they covered?
  • Do you want to rent a car and is the collision damage excess covered?
  • Check the cover for baggage and especially for your valuables, such as cameras and laptops. You may be able to pay a fee and extend the cover for valuables if the standard limits aren’t high enough.
  • If you have special needs, such as a pre-existing medical condition, check with the insurer whether you’re covered.

How to avoid problems when you have a claim:

  • Keep receipts or valuations to prove ownership of valuables.
  • If your goods are stolen report it to the police and keep a copy of the report; list all items stolen.
  • If you need medical treatment or assistance contact your insurer’s medical assist hotline.
  • If you have a dispute with your travel insurer you can contact the Financial Ombudsman Service (FOS), a free and independent dispute resolution service, on 1300 78 08 08 or

Insurer contacts


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