How do credit cards with travel insurance compare to standard travel insurance policies? Find out in this review of 39 annual multi-trip travel insurance policies from Qantas, QBE, One Cover, Travel Insurance Direct, Good2go,
CGU Travel Insurance, Cover-more, and 47 credit card travel insurance policies from NAB, Commonwealth Bank, Westpac and American Express.
We're not like the other insurance comparison websites – our recommendations are based on the best travel insurance options for you, not the insurer that pays the most cash to the comparison site.
We find the best travel insurance policies by focusing on:
- Policy benefits – Our policy score forms 80% of the overall score and measures the level of cover for medical, cancellation, baggage, public liability, activities covered and more. Read our
articles on common travel insurance exclusions,
mental health and travel insurance, and
travel insurance and alcohol exclusions.
- Claim service – The claims score makes up the other 20% of the overall score and uses the Financial Ombudsman Service's (FOS) data to assess how well insurers deal with claims disputes based
on the number of consumers that lodged a dispute about an insurer with FOS in 2015–16, how far they progressed through that process and what the chance was of achieving an agreeable outcome.
- Value for money – Like most things in life, the more you get the more it costs. But we don't just pick the policies with the highest overall score for recommendations. We recommend policies
with above-average cover at below-average prices.