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Travel insurance

Peace of mind to help you enjoy your holiday

Page reading time: 3 minutes

If you're planning an overseas holiday, travel insurance should be an essential. Travel insurance can help cover the cost of accidents, illnesses and delays while travelling.

Types of travel insurance

When you're choosing travel insurance, think about your travel plans and what you'll need cover for.

Most travel insurance policies will cover you for:

Your level of cover will change depending on whether it is international or domestic travel. Remember to read the product disclosure statement (PDS) carefully to make sure you are getting the right type of cover.

Credit card travel insurance

Some credit card providers also offer insurance for overseas travel. This is sometimes advertised as 'complimentary' insurance. Often it is included in the credit card's fees (like the application fee or annual fee) or its interest rate.

Usually, you need to pay for a certain amount of travel costs with your credit card to be covered. For example, pay for your return flight or your accommodation. Each policy is different, so make sure you check with your provider.

Check the PDS to make sure this kind of policy suits your needs. Insurance through your credit card may only cover the cardholder (not your spouse, children, or additional cardholders). Generally, it will only cover you for the trip you have paid for on your credit card.

Some airlines offer travel insurance when you purchase tickets online. Make sure the cover suits your needs and is a competitive price.

Choosing a travel insurance policy

What to look for when choosing a travel insurance policy:

Premium and excess costs

Make sure the insurance premiums fit within your budget. And check you can afford to pay the excess if something does go wrong.

Policy inclusions and exclusions

Think about where you’re travelling and what activities you’re planning. Make sure they're included in the policy. Exclusions often apply to:

Age restrictions

Check the policy covers your age and the ages of those travelling with you.

Mental health

Some policies cover cancellation or change of travel plans due to a mental health issue. Check that the insurer will cover any pre-existing mental health conditions you declare before you take out a policy.

Check the CHOICE travel insurance buying guide on smartraveller.gov.au for more tips on choosing the best cover.

Making a claim on your travel insurance

Make sure you know how to lodge a claim with your insurer before you travel.

Register the claim as soon as you can. Some insurers require you to inform them of any incidents within 24 hours.

When lodging a claim have the relevant documents ready:

It's important to be honest with your insurer about the events and circumstances when lodging a claim.

The General Insurance Code of Practice sets out what insurers should do to handle claims. If they do not meet these standards you can complain to the insurer.