Skip to content   Skip to footer navigation 

Travel insurance reviews

Last updated: 26 October 2015

Not sure which way is up with travel insurance comparisons? Visit our buying guide for expert tips.

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

Read more

We review and compare 35 comprehensive travel insurance policies from 30 insurers offering backpackers, singles, couples, families and seniors travel insurance to recommend the best travel insurance for you.

Insurers include Southern Cross Travel Insurance, One Cover, Virgin Money Travel Insurance, Aussie Travel Cover and CGU Travel Insurance.

We're not like the other insurance comparison websites – we don't get paid by any of the insurers we're comparing.

Instead, we find the best travel insurance policies for consumers by focusing on:

  • Price – We rank policies from the cheapest ($) to the most expensive ($$$$$).
  • Features – We collect policy information and assign policies a score out of 100 for their policy features. This includes medical, cancellation, baggage, public liability, activities covered and more. (If you're interested in reading more about exclusions, read our articles on common travel insurance exclusions, mental health and travel insurance, and travel insurance and alcohol exclusions.)
  • Claim service – We use the Financial Ombudsman Service's (FOS) data to create the dispute rating, based on the number of consumers that lodged a dispute about an insurer with FOS in 2013–14, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

Like most things in life, the more you get the more it costs. But our analysis picks out the CHOICE Buys with above-average cover at below-average prices.

Show less

Narrow your results

Your filters

Clear all filters

Brand

Expand to view more details.

List of brands we tested in this review.

Price

Expand to view more details.

The cheapest ($) through to the priciest ($$$$$) for that policy type, based on the average premium for singles, couples and families across Asia Pacific, Asia, Europe and Worldwide. Prices can increase with age so for older travellers, check the seniors price rating.

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

Top filters

Recommended products
Policy type
Price rating
Expand to view more details.

The cheapest ($) through to the priciest ($$$$$) for that policy type, based on the average premium for singles, couples and families across Asia Pacific, Asia, Europe and Worldwide. Prices can increase with age so for older travellers, check the seniors price rating.

Scores

Overall score
Expand to view more details.

The overall score is made up of the features score (80%) and the satisfaction score (20%).

enter value/s in increments of 1 between 52 and 75

Features score
Expand to view more details.

The features score is displayed as a percentage here, but contributes 80% to the overall score. The following features contribute to the features score: medical (30%) cancellation (15%) baggage (12.5%) public liability (5%) activities covered (5%) other – pre-existing conditions, cover for dependants, rental car (5%).

enter value/s in increments of 1 between 50 and 80

Satisfaction score
Expand to view more details.

We've used the Financial Ombudsman Service's (FOS) data to create the dispute satisfaction rating, which forms 20% of the overall score and is based on the number of consumers that lodged a dispute about an insurer with FOS in 2013–14, 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 26 and 72

Seniors

Seniors price rating 65 year old
Expand to view more details.

The Seniors $ rating is based on the average premium for a couple, age 65. The price for seniors increases year-on-year after a set age for many insurers. If this price rating is unavailable, no quotes have been provided for that policy so cover may be excluded, restricted, or subject to approval.

Seniors price rating 75 year old
Expand to view more details.

The Seniors $ rating is based on the average premium for a couple, age 75. The price for seniors increases year-on-year after a set age for many insurers. If this price rating is unavailable, no quotes have been provided for that policy so cover may be excluded, restricted, or subject to approval.

Policy age limit in years up to and including

Included in this review

Members-only access
  • Overall score
  • Price rating
  • CHOICE Buy
  • Features score
  • Satisfaction score
  • Policy type
  • Additional travel expenses for injury or sickness ($)
  • Good points
  • Bad points
  • Insurer
  • Policy
  • Provider
  • Website
  • Medical expenses ($m)
  • Dental expenses for accident or injury ($)
  • Dental expenses for sudden and acute pain ($)
  • Cancellation expenses ($)
  • Cancellation for insolvency of a travel services provider ($)
  • Cancellation for insolvency of a travel agent ($)
  • Expenses for interrupted travel ($)
  • Accommodation expenses for travel delay ($)
  • Hours before travel delay covered
  • Limit per 24 hour period for travel delay ($)
  • Baggage expenses ($)
  • Limit for a single unspecified item ($)
  • Per item limit for specified items ($)
  • Cover for valuables in check-in luggage
  • Limit for baggage lost temporarily ($)
  • Family limit for baggage lost temporarily ($)
  • Hours before cover applies for baggage lost temporarily
  • Personal liability expenses
  • Motorcycle
  • Scuba Diving
  • Skiing
  • Skiing off-piste
  • Tandem skydiving
  • Policy age limit in years up to and including
  • Seniors price rating 75 year old
  • Seniors price rating 65 year old
  • Automatic cover for pre-existing medical conditions listed on the policy
  • Cover for pre-existing medical conditions subject to assessment
  • Cover conditions showing no symptoms for two years
  • Cover for claims relating to mental illness
  • Number of dependants permitted on a family policy
  • Maximum age for dependants
  • Car rental excess ($)
Back to filters

Product selected for a detailed comparison

Clear all