We pick policies with the highest CHOICE Expert rating that score well for cover and price.

The CHOICE expert score is based on our assessment of price and what the policy covers. It's made up of 60% cover score and 40% price score. A higher score is better. N/A means a price score wasn't available for this policy.

We assess the policy benefits, including medical, cancellation, additional expenses, baggage and rental car cover. A higher score is better.

Scores the average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). The higher score, the cheaper the policy is on average. N/A means the prices aren't available for this policy.

Scores the level of policy cover for medical costs.

Scores the level of policy cover for cancellation costs.

Scores the level of policy cover for lost or stolen items.

Scores the level of policy cover for additional expenses incurred if your trip is interrupted.

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years, up to and including the age stated. Restrictions such as a higher excess and reduced sublimits may still apply to older travellers below the age limit. Policies with no age limit are listed as 110.

Maximum age for dependants listed on the policy. In years, up to and including the age stated. Conditions may apply to older dependants, such as they must be students and financially dependant on parents.

Does the policy list pre-existing medical conditions that are automatically covered. If yes, conditions still apply. Some policies may exclude cover for the listed conditions if you have any existing medical conditions that aren't listed.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval).

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms, medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy. Some specified or terminal conditions may still not be covered.

Are claims covered that arise from pregnancy or pregnancy complications? If yes, IVF pregnancies may still be excluded or subject to medical screening.

Until which stage pregnancy is covered for single births (up to and including). The is usually lower for multiple births such as twins, triplets etc.

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage? Medical costs for the child may still be excluded.

Limit for medical expenses for illness or injury. Some policies may have a lower limit for emergency evacuation and repatriation. And policies may have a higher limit for couples or families.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas and remain with them in hospital. Some policies may have a lower limit to accompany you home during an emergency repatriation. And policies may have a higher limit for couples or families.

Daily hospital cash allowance per person. Most policies will have an overall limit as well.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance. Zero hours means there is no wait time.

Limit for dental as a result of an accident. Policies may have a higher limit for couples or families.

Limit for dental as a result of sudden and acute pain. May be excluded if the pain is due to gradual deteriotation. Policies may have a higher limit for couples or families.

Limit for overseas funeral costs or the return of mortal remains, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details. Policies may have a higher limit for couples or families.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness. Policies may have a higher limit for couples or families.

The limit for additional expenses if travel is interrupted by an insured event other than injury or sickness. Policies may require an optional extra premium for this cover, and cover will vary, such as expenses to return to Australia, but not to continue your journey. Policies may have a higher limit for couples or families.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to a separate limit and assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. 'Cancellation cover chosen' means variable cover options are available. May be subject to assessment of pre-existing conditions for the relative. Policies may have a higher limit for couples or families.

Does the policy cover you for cancellation or amendment expenses or do you have to pay an optional extra fee.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available. Policies may have a higher limit for couples or families.

Limit for cancellation expenses for transportation bought using frequent flyer points. Airline policies might only reimburse for their specific loyalty program.

Limit for travel agent cancellation fees.

Is there cover for losses arising out of insolvency of a travel agent.

Is there cover for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). If yes, some policies may cover additional expenses but not cancellation.

Is there cover for cancellation expenses due to unexpected/involuntary retrenchment.

Is there cover for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services.

Is there cover for expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. May be subject to a sub-limit.

Does the policy cover you for stolen or damaged personal belongings or do you have to pay an optional extra fee.

The overall limit for lost or stolen belongings. Policies may have a higher limit for couples or families.

Limit for a single unspecified item.

Limit per item for a video or photo camera.

Limit for a laptop or tablet.

Limit for a smartphone.

Limit for any prescribed medications.

There may be lower sublimits or no cover for belongings locked in a luggage compartment of a car out of sight during the day. Items not locked away out of sight often aren't covered.

There may be lower sublimits or no cover for belongings locked in a luggage compartment of a car out of sight overnight. Items not locked away out of sight often aren't covered.

There may be lower sublimits or no cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Items not locked away out of sight often aren't covered.

Cover limit per person for lost or stolen cash. Policies may have a higher limit for couples or families.

Overall limit for a single person for baggage lost temporarily. Some policies may have a higher limit than stated for longer delays and a higher limit for couples or families.

The minimum period of time in hours before which cover applies for temporarily lost baggage.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed. Policies may have a higher limit for couples or families.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Policies may have a higher limit for couples or families.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered.

Limit per person per 24-hour period for this transport delay.

Is the collision damage excess for a hire car covered or do you have to pay an optional extra fee.

Limit for collision damage excess for a hire car. Some policies may allow a higher excess for an extra premium.

Does the policy cover riding a moped or motorcycle. Check the policy details regarding what license you need to hold and what size engine you can ride.

Does the policy cover snow sports?

Does the policy cover scuba diving over 12 metres deep, if you are appropriately certified or diving with a qualified instructor?

Does the policy cover abseiling? Usually only covered if doing it with a licensed operator.

Does the policy cover bungee jumping? Usually only covered if doing it with a licensed operator.

Does the policy cover tandem hang gliding with a licensed instructor?

Does the policy cover hiking without ropes over 3km above sea level?

Does the policy cover horse riding? Racing, jumping or polo will usually still be excluded.

Does the policy cover hot air ballooning? Usually only covered if doing it with a licensed operator.

Does the policy cover kayaking in coastal waters? Kayaking 1km or more from the coast may still be excluded.

Does the policy cover tandem paragliding with a licensed instructor?

Does the policy cover tandem sky diving with a licensed instructor?

Does the policy cover white water rafting? Cover is usually restricted to rivers graded I, II or III.

Cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents. May only apply to pre-booked transport for some insurers.

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Limit for medical expenses for illness or injury. Some policies may have a lower limit for emergency evacuation and repatriation. And policies may have a higher limit for couples or families.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available. Policies may have a higher limit for couples or families.

Limit for lost or stolen belongings. Policies may have a higher limit for couples or families.

Does the policy cover international cruises? If not covered, the insurer may have a separate cruise policy available.