✈️ Get the Cheapest Travel Insurance in Australia: Compare & Save Big
Cheapest Travel Insurance Australia: Compare and Save Hundreds on Your Next Trip
Planning your dream Aussie getaway or an international adventure? Insurance is a non-negotiable, but overpaying is a choice! Finding the cheapest travel insurance in Australia doesn’t mean compromising on essential cover. It means being a smart shopper and comparing policies for maximum value.
This guide breaks down the most budget-friendly policies from leading Australian providers, focusing on where you can find the best deals without sacrificing peace of mind.
Top 3 Providers for Budget Travel Insurance
Based on our research into competitive pricing and core value, the following providers frequently offer the cheapest travel insurance quotes in the Australian market. Remember to always read the Product Disclosure Statement (PDS) for full details.
| Provider | Why They are Cheap/Good Value | Direct Link to Quote (Affiliate) |
| 1. InsureandGo | Often offers some of the lowest prices, especially for basic plans. Includes cover for unlimited medical expenses overseas on most plans. | [Find a Cheap Quote with InsureandGo Here] (Hypothetical Affiliate Link/URL: https://www.insureandgo.com.au/quote-cheap-deals) |
| 2. Tick Travel Insurance | Highly competitive and regularly wins ‘Outstanding Value’ awards for their international policies, focusing on straightforward cover. | [Compare Tick Travel Insurance Prices] (Hypothetical Affiliate Link/URL: https://www.tickinsurance.com.au/get-the-cheapest-price) |
| 3. Cover-More | A major, trusted insurer that offers several tiers, with their ‘Basic’ or ‘Essentials’ plans often providing excellent entry-level pricing. | [See Cover-More’s Cheapest Policy Options] (Hypothetical Affiliate Link/URL: https://www.covermore.com.au/budget-travel-insurance-AU) |
Essential Tips to Secure the Lowest Travel Insurance Quotes
(Keywords: Travel Insurance Quotes, Cheap Holiday Insurance AU)
Simply clicking on the cheapest option isn’t the best strategy. To genuinely find the best value travel insurance in Australia, follow these cost-saving hacks:
-
Go Basic (If You Can): Do you really need high luggage limits? Opt for a basic policy that covers the non-negotiables: unlimited overseas medical expenses and cancellation costs.
-
Opt for Annual Multi-Trip: If you travel more than twice a year, a multi-trip policy can be significantly cheaper than buying two or three individual policies.
-
Buy Online and Direct: Comparison sites are great, but buying direct from the insurer’s website after comparing can sometimes unlock exclusive online discounts.
-
Look for Couple/Family Discounts: Some providers, like InsureandGo, offer free cover for dependent children, which massively reduces the total cost for families.
H3: Is Domestic Travel Insurance Worth the Cost?
(Keyword: Domestic Travel Insurance Cost)
For trips within Australia, you are covered by Medicare for medical emergencies. Domestic travel insurance focuses primarily on cover for:
-
Cancellations and delays (flights, accommodation, tours).
-
Lost or stolen baggage and valuables.
-
Rental car excess.
For a cheap domestic travel insurance policy, focus solely on these factors. If your trip is low-cost and non-refundable expenses are minimal, you may choose to skip it entirely.
H2: The Difference Between ‘Cheap’ and ‘Best Value’ Cover
(Keywords: International Travel Insurance Australia Cheap, Best Travel Insurance Australia)
While your goal is the cheapest travel insurance Australia has to offer, remember the old adage: you get what you pay for. The difference often lies in the fine print:
| Feature | Cheap Policy (Lower Value) | Best Value Policy (Higher Value/Cost) |
| Medical Expenses | Low limits (e.g., $50,000) or high excess. | Unlimited overseas medical cover with a lower excess. |
| Cancellation Cover | Only covers cancellations due to illness/injury. | Covers cancellations for a wider range of unforeseen events (e.g., natural disasters, death of a relative). |
| Exclusions | Strict exclusions for sports, adventure activities, or specific pre-existing conditions. | Options to add extra cover for specific activities (e.g., skiing, cruising) for a small additional premium. |
H2: Ready to Compare and Get Covered?
Start your journey to finding the cheapest travel insurance quote right now. Click on the links below to run a comparison or get a quick quote from a highly-rated, budget-friendly Australian provider.
-
[InsureandGo: Get an instant quote and check for family discounts (Affiliate Link)]
-
[Tick Travel Insurance: See their award-winning value international plans (Affiliate Link)]
-
[Cover-More: Compare their Basic and Comprehensive plans (Affiliate Link)]
Disclaimer: We aim to provide general information on the cheapest travel insurance options in Australia. We do not provide financial advice. You must read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making any purchase decision. We may receive a commission if you click on the links provided and purchase a policy.
Cheap Travel Insurance Deals
Travel insurance is an essential part of any trip abroad.
The most important thing is to make sure you have enough cover and if you are doing activities whilst away make sure these are covered under your policy.
Travel agents often charge over the odds for the convenience of booking all the deals with them. They are often making commission on selling this insurance to you making it more expensive. It is often better to buy online.
There are many companies providing online insurance with different levels of cover depending on whether you want comprehensive, backpacker or different levels of cover so check what your covered for. Here are some companies with the cheapest prices:
Travel Insurance Deals Compared
We checked prices for a 14 day trip to SE Asia prices were:
(remember there are different levels of cover, we quote the cheapest prices):
Kango from $42
1Cover from $50 (One of the largest online Travel Insurance firms, backed by Allianz)
iTrek from $55.64.
Worldcare $66
Ouch from $70
Southern Cross Travel Insurance $70
Down Under Travel Insurance $71
Insure for Less from $75
Cheap Travel Insurance $78
Travel Insurance Direct $82
QBE $102
SureSave $107
AussieTravelCover $113
Chi Travel Insurance $116
Chartis Travel Insurance $154
(Prices can change at any time)
Choice Magazine recommended in a travel insurance article:
Worldcare
Covermore tends to cover you for more activities (but check the fine print)
1Cover
Offers some of the cheapest insurance policies around. It apparently has 1 Million Satisfied customers
World Nomads
If you do buy online, check the agent has an Australian Financial Services Licence or is an Authorised Representative of a licence holder by checking with ASIC, www.asic.gov.au.
Pre-existing Medical Conditions
Many insurers will cover pre-existing medical conditions with an extra fee & sometimes a medical assessment.Several automatically cover some conditions in the Product Disclosure Statement (PDS). Few cover mental illnesses.
Other exclusions
If you hire a motorcycle do you have a motorcycle licence. Are you wearing a helmut even if the hire company doesn’t supply it.
There is often no coverage for valuable items such as mobiles, jeweller, cameras & laptops in check in luggage or stolen from a vehicle.
Credit Card Travel Insurance
Always check the terms & conditions of this policy very carefully to make sure your covered as it often means you have free ocver but you must activate the cover correctly or you may not be covered!! You could always make sure before you travel that the cover has been activated so that you don’t get any nasty surprises.
Otherwise this can be a free way to get travel insurance.
Check your credit card provider does in fact provide proper travel insurance on your card. Some cards only provide cover for injuries at the trip’s point of departure or arrival, not while you’re at your destination; others don’t cover domestic travel, even for trips to Norfolk Island; and there may also be a time limit to your trip, such as three months.
Make sure you always have proof of purchase for anything in your baggage you may want to claim as the insurance company will always ask for this.
You may need to call your insurance company before you can get medical treatment.
Moral of the story: always check your policy before leaving home to check what it covers and to see if there are any requirements before you can submit a claim.
Reciprocal agreement countries with Medicare
In countries that have a reciprocal agreement with Medicare (Finland, the Republic of Ireland, Italy, Malta, the Netherlands, Norway, New Zealand, Sweden and the UK), you’re entitled to benefits similar to Medicare for immediately necessary medical and public hospital treatment.
Exactly what you’re entitled to varies from country to country and Medicare says the agreements don’t replace the need for private travel insurance. If you use a private hospital in a country with a reciprocal agreement, most insurers will pay some expenses, but some only do this on a case-by-case basis, so double-check