Compare Travel Insurance

Frequently asked questions

• What does travel insurance typically cover?

  Policies often cover overseas medical emergencies, trip cancellation, lost luggage, and travel delays — but limits and exclusions vary widely. Adventure activities, pre-existing medical conditions, and pandemic-related events may need specific extensions or may be excluded. Always read the PDS before purchase.

• When should I buy travel insurance?

  Buy as soon as you have non-refundable bookings if you want cancellation cover to start early. Medical-only policies can sometimes be purchased closer to departure, but waiting increases the window where an event is not insured. Check the insurer’s cut-off rules.

• Does domestic travel need insurance?

  Domestic policies can still help with cancellation, rental vehicle excess, and lost belongings — areas Medicare does not address because medical costs are mostly covered in Australia. Decide based on the value of prepaid arrangements and activities you plan.

• How do excesses work on travel claims?

  Travel policies often apply a per-claim excess that reduces the payout. Some insurers offer excess buy-down options. Understand whether excesses stack across sections (medical vs luggage) so you are not surprised at claim time.

• Can I compare ski or cruise cover?

  Yes — many insurers sell activity packs or specialist cruise extensions. Compare whether medical evacuation, cabin confinement, and gear cover are included or optional add-ons, and note altitude or off-piste exclusions for snow sports.

• What is not covered by most travel policies?

  Common exclusions include intoxication, illegal acts, undeclared pre-existing conditions, and travel against government advice. High-risk sports may need a separate policy. If in doubt, contact the insurer before you rely on cover.