- The price is a rating ranked from the cheapest policies ($) to the most expensive ($$$$$).
In this category we've assessed the policies that insurers classify as their Comprehensive insurance offering. Comprehensive travel insurance generally has higher levels of cover for medical, cancellation, baggage, public liability and cover for the excess on your car hire.
Like most things in life, the more you get the higher the price you pay. But our analysis picks out the CHOICE buys with the above average cover at below average prices.
The insurer's budget offerings cover the medical essentials with reduced or excluded cover for cancellation and baggage at more affordable prices than the full comprehensive offering.
If you travel regularly throughout the year for periods of up to 90 days at a time then an annual multi-trip policy may be best suited to your needs. Policy travel times vary from a maximum of 15 days to 90 days.
CHOICE tip: medical conditions incurred between trips are considered a pre-existing condition on your next trip with some policies. Check with your insurer.
The Seniors $ rating is based on the average premium for a 65 year couple. The price for seniors increases year on year after a set age for many insurers, we've listed this in the 'Age of price loading' column.
To qualify for consideration in the Seniors category an insurer must be available for travellers over 65 and offer cover for pre-existing conditions subject to approval and an extra premium or fee.
Most insurers list pre-existing conditions that are automatically covered by the policy. These may include conditions such as asthma, certain allergies, and epilepsy. Anything outside of these conditions may either be excluded or you would need specific approval for so it's important to check with the insurer whether you need cover for an existing condition.