The 10 Best Comprehensive Travel Insurance Providers In Australia

1. Travel Insurance Direct

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Even with the WHO’s declaration of the pandemic’s end, COVID-19 still disrupts travel plans. Travel Insurance Direct stands out for its comprehensive COVID-19 coverage, including medical expenses and trip cancellations. The policy automatically covers 43 medical conditions, though additional ones aren’t included. Notably, it shines in covering 93 activities, with options to add extra coverage for higher-risk ones like snow sports. With over 2,500 reviews on Product Review averaging 4.2 stars, it’s a trusted choice for travelers.

2. Allianz

source : from – insuranceinsider.com

Allianz offers an extensive medical policy with unlimited coverage for hospital and dental expenses, setting it apart from competitors. Their top-tier policy goes the extra mile by covering pre-existing medical conditions, albeit with assessments and conditions to fulfill. With 38 activities listed in the PDS and no age limit to coverage, it caters to a wide range of travelers. Additionally, individuals can customize coverage levels by increasing certain limits, such as luggage and cancellations, based on their specific needs.

3. Bupa Travel Insurance

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Bupa’s travel insurance, underwritten by Allianz, closely mirrors Allianz’s own comprehensive offering. With unlimited medical, hospital, and dental coverage, Bupa provides round-the-clock emergency assistance staffed by Australian-based doctors and nurses. Similar to Allianz, Bupa covers credit card fraud up to $5,000 and lost luggage up to $10,000 (with sub-limits). While Bupa earns slightly lower ratings on Product Review, averaging 3.9 stars compared to Allianz’s 4, it remains a strong choice for travelers seeking comprehensive protection.

4. insure4less 

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Insure4less provides policyholders with extensive coverage for various activities, listing over 120 in its PDS. Additionally, high-risk sports can be added for extra protection. Their comprehensive Excel Plus policy not only covers medical expenses related to COVID-19 but also facilitates early return to Australia if necessary. Furthermore, it includes coverage for lost luggage (up to $5,000 with sub-limits), cancellations (up to $7,500 per person), connecting flights (up to $1,000), and personal liability (up to $7.5 million—an amount on the higher end of the spectrum). Coverage for pre-existing medical conditions requires completion of an online medical questionnaire.

5. Cover-More Travel Insurance

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Cover-More’s travel insurance stands out by covering COVID-19 medical expenses abroad, including $2,500 for additional related costs. Lost luggage is generously covered up to $15,000, and dependent children up to 21 are also covered provided they are financially reliant and not employed full-time. The policy is inclusive, allowing travelers up to 99 years old, although senior travelers must meet specific criteria. However, despite these notable features, Cover-More received an average rating of 3.3 stars from nearly 3,000 reviews on Product Review. It’s important to note that Forbes Advisor places less weight on reviews with fewer than 100 responses and acknowledges the tendency for reviews to lean negative.

6. 1Cover 

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1Cover boasts an impressive average rating of 4.3 stars from over 4500 reviews on Product Review. Their comprehensive policy caters to diverse needs, covering over 100 sports and activities with the option to add extra packs for high-risk endeavors. Additionally, policyholders can personalize the rest of the policy, adjusting coverage to align with their travel habits. The coverage extends to credit card fraud (up to $5,000) and journey disruptions lasting more than six hours.

7. Fast Cover 

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FastCover provides unlimited coverage for both medical expenses and cancellations, with certain conditions and claim limits in place. The policy covers 43 conditions, subject to meeting specific criteria. While offering comprehensive COVID-19 coverage, including medical expenses and cancellation reasons, dental coverage is capped at $1,000. Additionally, reduced coverage applies to travelers over 80 years old, and if booking through a travel agent, cancellation coverage is limited to $1,500.

8. Tick Travel Insurance

source : from – comparethemarket.com

Tick Travel Insurance’s Top plan offers unlimited medical coverage and emergency dental up to $500, catering to travelers up to 100 years old. While missed connections aren’t covered, the policy provides compensation for travel delays due to adverse weather, strikes, industrial actions, or mechanical breakdowns, up to $100 per completed hour with a total limit of $1,000. Tick’s exceptional customer reviews, averaging four stars from over 2,800 reviews on Product Review, are noteworthy. Additionally, the plan’s $20,000 cancellation cover surpasses that of many competitors.

9. Qantas Travel Insurance

source : from – flighthacks.com

Qantas Comprehensive Travel Insurance provides unlimited medical coverage, including for COVID-19 diagnoses. It automatically covers 43 pre-existing medical conditions, subject to specific criteria, and requires a medical assessment via an online form for any conditions not listed. The policy offers unlimited coverage for cancellations and missed connections. Additionally, emergency dental coverage is available for acute pain, up to $2,500. It’s important to note that the standard comprehensive policy applies to individuals up to 69 years old, with a separate policy tailored for those aged 70 and above. For seniors, it’s considered one of the best travel insurance options available.

10. Australia Post

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Australia Post’s Comprehensive Travel Insurance offers robust coverage, including protection against credit card fraud up to $5,000 and lost luggage insurance up to $12,000 (with sub-limits on certain items). With no age limit on policies, it provides unlimited emergency medical coverage, along with a generous $2,000 limit for dental expenses. While there’s no specific coverage for missed connections, the policy does include compensation for travel delays, up to $2,000. It’s worth noting that cruises exceeding two nights require an additional pack to be added to the policy for coverage.

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