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Travel insurance reviews - single trip

Last updated: 04 January 2019

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. 

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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 137 travel insurance policies from 58 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.

How we pick the best travel insurance

Our insurance reviews cover as many providers as possible. Using a weighted criteria of price, product features and performance we unearth the best value products in the market.

The overall score

The overall score is a value out of 100 and comprises:

  • Claims score 20%
  • Price score 10%
  • Policy score 70%, encompassing:
    • Medical
    • Pre-existing conditions
    • Pregnancy
    • Cancellation
    • Baggage
    • Travel delay
    • Public liability
    • Additional expenses
    • Activities covered
    • Car hire

Claims score

This is based on the Australian Financial Complaints Authority's (AFCA) dispute resolution data. This data shows how the insurance provider performs in the dispute resolution process. It's based on the number of consumers that lodged a dispute with AFCA in 2017-18, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

Price score

The higher the score, the cheaper the policy is compared to the competition. It's based on the average premium for singles, couples and families for travel across Asia, Pacific, Europe and worldwide for a range of travelling periods.

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List of brands we tested in this review.

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    Included in this review

    Members-only access
    • Recommended
    • Overall score
    • Policy score
    • Claims score
    • Price score
    • Brand
    • Policy
    • Provider
    • Policy age limit
    • Medical expenses
    • Dental expenses for accident or injury ($)
    • Dental expenses acute pain ($)
    • Cancellation expenses
    • Additional expenses for interrupted travel ($)
    • Additional expenses for special event ($)
    • Additional expenses for pre-paid travel arrangements
    • Travel delay expenses ($)
    • Hours before travel delay covered
    • Limit per 24 hours for travel delay ($)
    • Baggage expenses
    • Single unspecified item ($)
    • Video or photo camera ($)
    • Laptop or tablet ($)
    • Smartphone ($)
    • Prescribed medications ($)
    • Limit for baggage lost temporarily
    • Family limit for baggage lost temporarily
    • Hours before cover applies for baggage lost temporarily
    • Rental car excess
    • Limit for rental car excess ($)


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