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Travel insurance reviews - single trip

Last updated: 09 January 2018

This comparison is for single trip travel insurance policies but if you're a frequent traveller compare annual multi-trip or credit card travel insurance policies instead. Not sure which way is up with travel insurance comparisons? Visit our travel insurance buying guide for expert tips.

Planning a trip? Check out our travel guides for Europe, Japan, the USA and more.

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What is the best travel insurance? Is it the travel insurance that pays the comparison site the most money? Or is it the travel insurance rated the best by fake user reviews? That might be the case elsewhere on the web, but we're not like the other insurance comparison websites.

To find the best travel insurance policy focus on:

  • Medical and evacuation cover: the main reason for getting travel insurance. Without it, medical costs can range from selling your car to selling your house to get home safe.
  • Policy exclusions: Most policies adequately cover medical expenses but common exclusions include alcohol, terrorism and pre-existing conditions such as mental health.
  • Cancellation: If a volcano blows in Bali, you'll want to recoup the cost of that five-star resort stay.
  • Luggage: Cameras, smartphones, tablets, laptops – it all adds up to more than you think.
  • Claims service: Terms and conditions are one thing but when you're in a fix, you want a helpful professional on the other end of the phone.
  • Value for money: We're constantly surprised at insurers that charge more but offer less. Our reviews recommend policies that offer the best cover at competitive prices.

We compare more than 140 travel insurance policies from 62 insurers offering cruise, backpackers, seniors, couples and family travel insurance to recommend the best policy for you. Insurers include Southern Cross Travel Insurance, One Cover, Travel Insurance Direct, Aussie Travel Cover, CGU Travel Insurance and Cover-more.

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Brand

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List of brands we tested in this review.

enter value/s in increments of 1 between 0 and 0

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Scores

Overall score

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The value for money of the policy. We assess policy benefits, claims performance and price of each policy compared to the competition. Based on the average premium for singles, couples and families for travel across Asia, Pacific, Europe and worldwide for a range of travelling periods. Prices can increase with age so for older travellers, check the Seniors score.

enter value/s in increments of 1 between 39 and 73

Policy score

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How well this policy covers features such as medical, cancellation, baggage, public liability, pre-existing conditions, cover for dependants, rental car, and activities covered.

enter value/s in increments of 1 between 29 and 80

Claims score

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The higher the rating the better they perform. Based on the number of consumers that lodged a dispute about an insurer with the Financial Ombudsman Service, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

enter value/s in increments of 1 between 18 and 73

Price score

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The higher the score, the cheaper the policy is relative to the competitors for a range of travel scenarios across 3,500 quotes

enter value/s in increments of 1 between 1 and 100

Seniors score

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How well this policy covers senior travellers for age, pre-existing medical conditions and price.

enter value/s in increments of 1 between 34 and 73

Conditions

Policy age limit

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In years (up to and including given number).

Included in this review

Members-only access
  • Recommended
  • Overall score
  • Seniors score
  • Policy score
  • Claims score
  • Price score
  • Medical score
  • Cancellation score
  • Baggage score
  • Activities score
  • Other policy benefits score
  • Standard excess
  • Cover travellers on a one-way ticket
  • International cruises
  • Time adults must travel together
  • Additional expenses for sick relative
  • Additional expenses cover limited for age of relative
  • Additional expenses covered if relative lives in New Zealand
  • Additional expenses covered if relative is not in Australia or New Zealand
  • Additional expenses for resumption of journey interrupted for a relative
  • Additional expenses for pets boarding kennel
  • Brand
  • Policy
  • Provider
  • Purchase after departure
  • Policy age limit
  • Time dependants must travel with adults
  • Number of dependants permitted on a family policy
  • Maximum age for dependants
  • Grandparents
  • Cover for listed pre-existing medical conditions
  • Cover for unlisted pre-existing medical conditions
  • Mental illness related claims
  • Cancer related claims
  • Heart condition related claims
  • Cover medical conditions with no symptoms for 2 years
  • Pregnancy related claims
  • Stage until pregnancy complications covered (weeks)
  • Childbirth if it occurs up until this stage of pregnancy
  • Neonatal intensive care
  • IVF
  • Medical expenses
  • Medical expenses for terrorism
  • Medical expenses for hijack
  • Medical expenses for civil unrest
  • Medical expenses for military action
  • Medical expenses for pandemic
  • Medical expenses for natural disaster
  • Medical expenses for mental health
  • Expenses for a person to accompany a sick policy holder
  • Additional travel expenses for injury or sickness
  • Daily hospital cash allowance
  • Hours of hospitalisation before you received the cash allowance
  • Dental expenses for accident or injury
  • Dental expenses acute pain
  • Overseas funeral costs
  • Limit for a person to accompany mortal remains home
  • Cancellation expenses
  • Cancellation expenses for terrorism
  • Cancellation expenses for hijack
  • Cancellation expenses for civil unrest
  • Cancellation expenses for military action
  • Cancellation expenses for pandemic
  • Cancellation expenses for natural disaster
  • Cancellation expenses for mental health
  • Cancellation expenses for redundancy
  • Cancellation expenses for defence and emergency workers
  • Cancellation expenses for cancellation of leave
  • Cancellation expenses for transport cancellation and delay caused by strikes
  • Cancellation for DFAT alert level 3
  • Cancellation expenses for transport cancellation and delay
  • Cancellation for DFAT alert level 4
  • Cancellation for insolvency of a travel services provider
  • Cancellation for insolvency of a travel agent
  • Cancellation for frequent flyer points
  • Cancellation expenses for travel agent fees
  • Additional expenses for interrupted travel
  • Additional expenses for terrorism
  • Cancellation expenses for civil unrest
  • Additional expenses for military action
  • Additional expenses for pandemic
  • Additional expenses for natural disaster
  • Additional expenses for mental health
  • Additional expenses for lost passport
  • Additional expenses for breaking quarantine rules
  • Additional expenses for transport accident
  • Additional expenses for transport cancellation and delay
  • Additional expenses for transport cancellation and delay caused by strikes
  • Additional expenses for DFAT alert level 3
  • Additional expenses for DFAT alert level 4
  • Travel insurance extension for delayed trip
  • Additional expenses for special event
  • Additional expenses for pre-paid travel arrangements
  • Additional expenses for special event interrupted by terrorism
  • Additional expenses for special event interrupted by pandemic
  • Additional expenses for special event interrupted by natural disaster
  • Additional expenses for special event interrupted by transport cancellation and delay
  • Additional expenses for special event interrupted by transport strike
  • Travel delay expenses
  • Hours before travel delay covered
  • Limit per 24 hour period for travel delay
  • Travel delay expenses for terrorism
  • Travel delay expenses for pandemic
  • Travel delay expenses for natural disaster
  • Travel delay expenses for transport cancellation and delay
  • Travel delay expenses for transport strike
  • Baggage expenses
  • Single unspecified item
  • Video or photo camera
  • Laptop or tablet
  • Smartphone
  • Prescribed medications
  • Overall limit for specified items
  • Per item limit for specified items
  • Cover for baggage in a car during the day
  • Cover for baggage in a car overnight
  • Cover for valuables in a car
  • Cover for valuables left in public place
  • Cover for valuables in check-in luggage
  • Cover for valuables left in locked accommodation
  • Cover for cash
  • Cover for cash in hotel room
  • Cover for credit card replacement costs
  • Cover for passport replacement costs
  • Limit for baggage lost temporarily
  • Family limit for baggage lost temporarily
  • Hours before cover applies for baggage lost temporarily
  • Rental car excess
  • Time limit for rental car
  • Limit for rental car theft excess
  • Rental car comprehensive insurance
  • Limit for rental car collision excess
  • Personal liability expenses (millions)
  • Legal costs for personal liability
  • Personal liability for a vehicle accident
  • Personal liability for a vehicle passenger
  • Legal expenses for 3rd party compensation
  • Compensation for accidental death
  • Compensation for disability
  • Income protection
  • Income protection waiting period (days)
  • Income protection length (weeks)
  • Moped below 50cc
  • Moped 125cc or below
  • Motorcycle
  • Abseiling
  • Boating
  • Bungee jumping
  • Canyoning
  • Fishing
  • Hang gliding
  • Hiking
  • Horse riding
  • Hot air ballooning
  • Kayaking
  • Parachute jumping
  • Paragliding
  • Quadbiking
  • Scuba diving
  • Open water diving
  • Segway tours
  • Skiing
  • Skiing off-piste within resort
  • Skiing off-piste outside resort
  • Snowmobile
  • Tobogganing
  • Tandem skydiving
  • White water rafting
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