Travel Insurance: Compare and Save

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Why compare travel insurance with Finder?

  • We don't ask for your phone or email to see prices

  • You pay the same price as buying directly from the travel insurer

  • Compare 20+ policies from Australian travel insurance providers including Cover-More, SCTI and Zoom


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Meet our experts

Our team of insurance experts have published over 450 guides on travel insurance and are regularly cropping up on TV shows, including Sunrise, Seven News and 10News, with the latest travel insurance tips and tricks.

Whether you're heading overseas with the family or exploring somewhere closer to home, we're passionate about helping you get the best policy for your holiday.

And a round of applause for our winners...

What does travel insurance cover?


Medical costs

Most travel insurance policies give you unlimited cover for medical expenses and 24/7 emergency medical assistance.


COVID-19 cover

You can get cover for COVID-related medical expenses now and up to $5,000 towards cancellation or rearrangement costs.

Plane icon

Flight cancellations

It can also pay to get you on an alternative flight. Plus, many will cover your accommodation costs if your trip is disrupted.

Lost luggage

Lost luggage

You can get around $250 a day if your luggage is delayed by the airline. Many also cover stolen or accidentally damaged luggage.

I'm ready to compare travel insurance

Is there any travel insurance that covers COVID?

Our research shows that more than 20 insurers now offer some cover for COVID-related expenses. Here's a rundown of what this typically includes:

  • Medical costs if you get sick from COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but not mandatory PCRs).
  • Trip rearrangement costs. For example, if you catch COVID and are forced to change your plans. Many let you claim up to $5,000 towards these expenses.
  • Expenses if you need to isolate. For example, if you or someone you're travelling with catches COVID-19, travel insurance can cover the costs to push back your flight and stay in your accommodation longer.
BrandCOVID-19 medical expensesCovid-19 related cancellationAirline cancellation (pre-departure)Border closuresCooling off periodApply
Medibank Travel Insurance
21 days
Get quote
Qantas travel insurance
21 days
Get quote
Freely Logo
Exclusive Badge
21 days
Get quote
ahm life insurance
21 days
Get quote
InsureandGo Logo
14 days
Finder AwardBonus
Get quote
Kogan travel insurance logo
21 days
Get quote
WAS Logo
21 days
Get quote
Tick Logo
14 days
Get quote
Zoom logo
14 days
Get quote
Fast Cover Logo
14 days
Finder AwardBonus
Get quote
Insure4Less Travel Insurance Logo
14 days
Get quote
Travel Insuranz Travel Insurance Logo
14 days
Get quote
World2Cover Logo
21 days
Get quote
Covermore logo
$5,000Some cover
21 days
Get quote
Southern Cross LogoSCTI
Limit chosenSome cover
14 days
Finder Award
Get quote
Travel Insurance Saver
21 days
Get quote
Easy Travel Insurance
21 days
Get quote

A few insurers go even further and can cover you for the following:

  • The accommodation or venue you planned to stay at is suddenly closed.
  • A prepaid activity that's booked in Australia or New Zealand is shut down.
  • If you're denied boarding on transport due to symptoms.
  • Extra child care costs if you get COVID.
  • Added pet care costs if you're infected and can't return home.

What's not covered by COVID travel insurance?

Your policy won't typically offer cover for these COVID-19-related events:

  • You cancel plans due to government-enforced border closures or lockdowns.
  • You enter into quarantine or self-isolation that you knew about in advance.
  • You ignore a doctor's advice that you aren't well enough to travel.
  • You travel to a country deemed by unsafe by Smartraveller (Level 3: Reconsider your need to travel or Level 4: Do not travel)
  • PCR or rapid tests where you are required to be tested in order to travel.

COVID has driven a lot more awareness of the risks of travelling in 2023. It'd be a mistake to think we're out of the woods with COVID. At Freely, claims increased once again in December after new cases tripled in the space of a month. It's shown consumers that things can change very, very quickly. COVID coverage is now expected – 95%* agree they would now seek COVID cover within a policy.

*This figure is from latest Travel Sentiment Report, from the Insurance Council of Australia (ICA) and the Australian Government's Smartraveller website.

Important to know. Some providers, including Cover-More and Easy Travel Insurance, won't accept COVID-related claims within 21 days of your trip. Just one reason you should get insurance as soon as you book your trip.

Some top tips from travel insurance experts

Travel insurance: 4 things you need to know

Number 1

Travel insurance doesn't protect you from yourself

Your claim will be voided if the insurer finds that you failed to act responsibly. Consider this before you have a few too many drinks on your trip or jump on a moped without a helmet.

Number 2

Rules about renting motorcycles and scooters on your holiday

Travel insurance will only cover you if you're riding with an Australian motorcycle licence or a valid licence in that country. You also need to be wearing a helmet and stick to a specific engine size.

Number 3

You might need to pay more for activities such as skiing and motorcycling

This can be added when applying online. You'll find that most Australian insurers have a list of activities in the PDS which are covered for free.

Number 4

You won't always be covered for natural disasters and pandemics

If you buy your policy after a natural disaster or a pandemic becomes a "known event" (e.g. it's in the news), you typically won't be covered, with the exception of the COVID-19 pandemic.

Compare and save. Check out our latest deals

Not only will you be paying the same price as buying directly with the insurer, we regularly run exclusive deals with our partners – that means policies can be even cheaper. Check out some of our current offers below:

Store Discount

Get 17% off Kogan travel insurance policies

Use this promo code to get a 17% discount. T&Cs apply.

Last verified

Coupon code ends

Get 15% off Freely travel insurance policies

Use this promo code to get a 15% discount. T&Cs apply.

Last verified

Save 10% on InsureandGo policies with Finder

Use this coupon code to save 10%. Ts&Cs apply.

Last verified

ahm and Medibank members get 10% off travel insurance

Get this discount if you're an ahm or Medibank Private member and save.

Last verified

Protect your next trip with Qantas Travel Insurance

Plus, earn up to 3,000 Qantas Points. T&Cs Apply. Consider PDS & TMD. Max 45 days per trip. Issuer: Pacific International Insurance.

Last verified

Deal ends

Get 10% off on Tick travel insurance policies

Use this code to get a 10% discount. T&Cs apply.

Last verified

Get 5% off on all travel insurance policies with Fast Cover

Get 5% off all standard travel insurance policies. T&Cs apply.

Last verified

15% off travel insurance for Medibank Private members

Get this discount if you're a Medibank Private member and save.

Last verified

Earn Velocity Points with Cover-More

Get 3 Virgin Velocity Points for every $1 spent on travel insurance with Cover-More.

Last verified

Why you can trust Finder's travel insurance experts


We're free

Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and reviewed almost every travel insurer on the market as part of our Finder Awards and our in-house experts regularly appear on Sunrise, 7News and various news publications.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions

Our senior writer for insurance answered some more questions about travel insurance
This guide was updated on 5 May 2023. Our senior writer for insurance answered some more questions about travel insurance.

Read more on this topic

  • Travel insurance that covers COVID

    Here's how travel insurers are responding to the pandemic.

  • What does travel insurance cover?

    Travel insurance can protect policyholders in multiple different ways, including trip cancellations and cover for expensive medical costs if you get sick or hurt on your trip.

  • Does travel insurance cover Airbnb?

    We take a look to see if you are fully protected by insurance if your Airbnb trip goes wrong.

  • Finder Travel Report 2022

    Finder's Travel Report explores what Australians want from travel, how they’re paying for it, and how COVID has changed their holiday habits.

  • Travel insurance for UK

    Travel can be unpredictable and unforeseen events and circumstances can destroy anyone’s travel plans - that's where travel insurance comes into play.

  • Travel insurance for Thailand

    Comprehensive travel cover for Thailand can meet the cost of COVID-19 medical expenses, lost or stolen luggage and lots more.

  • Travel insurance for Singapore

    Travel insurance for Singapore is a no brainer in COVID times - here's how to find the right cover with the minimum of fuss.

  • Travel Insurance for Laos

    Guide to getting travel insurance for Laos including risks to avoid, what to cover, when to go and what to do in an emergency.

  • Travel Insurance for Norway

    Comprehensive guide to getting travel insurance for Norway.

  • Travel insurance for Turkey

    This article outlines where the no-go zones are in Turkey, general advice about the country, and how travel insurance can assist you.

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51 Responses

    Default Gravatar
    AnneMarch 28, 2023

    I got a quote and paid for travel insurance yesterday from Southercross Travel. I haven’t received any paperwork from them, the telephone number has a message saying not taking any calls. I have also sent an email. I was wondering if you have any issues or other complaints?

      Avatarfinder Customer Care
      SarahApril 6, 2023Staff

      Hi Anne,

      We’re not aware of any issues with Southerncross Travel. Have you checked your spam?

      You can also contact their support team via phone or email here:

      Hope this helps!

    Default Gravatar
    JasonDecember 9, 2022

    Hi Finder,

    I’ll be holidaying in the US with my wife and 2 7yo boys for 7 weeks and then Melbourne for 1 week in mid 2023.

    Can you please give me some suggestions for travel insurance companies for comprehensive insurance so I can narrow my choices when comparing them on your site.

    In order of importance, the things that are of importance to us are:

    Unlimited overseas medical and hospital
    Amendment and cancellation of flights and accommodation
    Theft of luggage and belongings
    Theft of cash
    Covid cover
    Travel delay expenses
    Emergency dental
    Hospital cash allowance
    Overseas emergency assist
    Cost of premium


      Avatarfinder Customer Care
      JamesDecember 26, 2022Staff

      Hi Jason,

      You may utilize our comparison tool to get a quote from top providers. Please review the cover’s Product Disclosure Statement to check inclusions, certain restrictions, limitations, inclusions, and exclusions that apply.

      Kind regards,

    Default Gravatar
    bazMarch 2, 2022

    The Philippines require $35,000 insurance coverage to go to Manila from Australia. How do I get this?

      Avatarfinder Customer Care
      JamesApril 3, 2022Staff

      Hi Baz,

      Please visit our guide about COVID travel insurance. You’ll be able to compare a range of insurance providers who include COVID-19 medical expenses. It’s this policy feature that countries such as The Philippines are mandating.

      Most offer this expense as an unlimited benefit but do check the PDS of each provider before signing up with the one that meets your needs.



    Default Gravatar
    MikeOctober 29, 2019

    I would like a years travel insurance worldwide please advise

      Default Gravatar
      NikkiOctober 30, 2019

      Hi Mike,

      Thanks for getting in touch! It’s great to know that you are looking to get travel insurance. To get started, please utilize the online form found on top of the page above. Enter all the details needed in the form and press GET MY QUOTE. Once done, you will see a list of providers that may review your insurance inquiry. If you need further help, a quick guide on how to compare travel insurance is also included on the page.

      As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    LoreleiOctober 20, 2019

    Do I need to purchase Travel insurance before I pay for flights etc?

      Avatarfinder Customer Care
      JessicaOctober 21, 2019Staff

      Hi Lorelie,

      Thanks for reaching out to us at Finder!

      There’s nothing stopping you from purchasing travel insurance before you pay for flights but typically, people usually buy it after or at the same time of booking.

      This is because your flight dates will generally confirm your travel dates. You’ll have a confirmed flight itinerary and be able to match those dates to the date range you’ll need cover for.

      I hope you find this helpful.

      Kind regards,

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