Explore Travel Insurance

With the internet at your fingertips, booking your trip online is easy, and so is choosing travel insurance! With the extra peace of mind that travel insurance provides, you can relax and enjoy your holiday.

Can I get travel insurance online?

Many travel insurance providers sell policies online, making it easy to organise a travel insurance plan from the comfort of your home. To buy travel insurance online, you’ll need to fill out an online questionnaire. This helps the provider find out more about you and your trip so they can offer a policy that may suit your circumstances.

While there’s no face-to-face interaction, you essentially get the same service online as you would over the phone. If you need help or have any questions, you can always call the insurer or use their ‘live chat’ feature, which lets you chat with a consultant in real-time online.

Alternatively, you can also visit a travel agent to plan your getaway and get a referred travel insurance policy. However, product options can be limited, and premiums may be higher.

How to buy travel insurance online

Buying travel insurance can be as simple as answering a few questions and choosing a policy. You can compare multiple travel insurance providers with our free comparison service in minutes, putting even more choice and convenience in your hands if you want to get travel insurance online before departing Australia. Our service makes it easy to compare prices and coverage to suit your trip.

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Getting the right travel insurance online

General inclusions

A standard or comprehensive travel insurance policy will automatically cover a range of potential mishaps. While the exact details of what your policy covers will vary between plans, providers and your level of cover, most policies include:

  • Medical cover. This can help cover your medical bills if you fall ill or get injured and require medical treatment while overseas. However, medical cover isn’t included in domestic plans as customers can be typically covered by Medicare or private health insurance.
  • Cancellation cover. This cover may protect you from trip cancellations, lost deposits, pre-booked accommodation, or tours that need rescheduling or you’re unable to attend due to an unforeseen event covered by your policy.
  • Personal liability cover. If you injure another person or damage their belongings, your travel insurance cover can help cover your legal bills.
  • Luggage cover. This may help reimburse the cost of belongings, personal effects and valuables that are lost, stolen or damaged on your journey, up to the limits and sub-limits listed in your policy.
  • 24/7 overseas emergency assistance. Your insurance provider is generally available to offer advice and assistance through a 24/7 phone line and help organise medical treatment if you’re injured or unwell.

Your policy will be subject to exclusions, limits and sub-limits so be sure to check the Product Disclosure Statement (PDS) before you purchase.

Potential add-ons

To get travel insurance for a specific journey, like a cruise or ski trip, you may need to buy additional cover as a policy add-on. You can typically get these types of cover online. Some add-ons may include:

  • Cruise cover. General travel insurance typically doesn’t cover cruises, so make sure you purchase international travel insurance with cruise cover if you’re planning on sailing the seas, even domestically, or cruising the rivers of Europe.
  • Winter sports cover. If you’re going skiing or snowboarding while on holiday, this type of cover will be essential if you want cover for any medical costs incurred on-piste.
  • Adventure sports cover. With this add-on, your insurer may cover activities (such as kayaking, rock-climbing and snorkelling) that may not be included under a regular policy.
  • Rental car excess. If you’re planning to rent a car and drive around your destination, check if your insurer offers rental car excess cover automatically. Otherwise, you may be able to purchase it as an add-on to cover the rental car excess if your rental vehicle is damaged.

You can also find the PDS of a policy online, which we recommend you read before purchasing your cover. This way, you can know your policy’s limits, sub-limits, inclusions and exclusions and ensure you have an appropriate level of cover for your journey.

Frequently asked questions

Do I need to declare a pre-existing medical condition?

You will need to let your insurer know if you have a pre-existing medical condition if you want to ensure you are covered if you suffer a loss related to this. Your insurer can then determine if they can cover your condition, although it may increase the cost of your premium.

You can still get travel insurance if you have a pre-existing medical condition that isn’t covered by your insurer, but any medical expenses for that condition won’t be covered.

Can I get group policies online?

Yes, you can purchase travel insurance for groups online. These are essentially the same as regular travel insurance policies and can be ideal when you have a group of people following the same itinerary for the entire trip. You’ll need to confirm how many people are travelling, and provide information about your trip like whether you’re going on a cruise or participating in adventurous activities.

Can I get COVID-19 cover online?

Cover for COVID-19 (coronavirus) may be included automatically as part of a comprehensive travel insurance policy, although not all providers will offer cover or the same level of cover. Depending on the policy and plan, you may be covered for cancellations and medical expenses if you’re diagnosed with COVID-19, as well as additional expenses such as quarantine accommodation costs.

Other pandemic- and epidemic-related losses are typically listed as an exclusion on most travel insurance policies.

If my child is travelling alone, can I get insurance online?

Yes, if your child will be travelling unaccompanied, you can get travel insurance for them online. However, you’ll need to be aware of the airline restrictions and rules regarding children travelling alone (such as not being able to have an overnight layover).

Can I buy annual cover online?

It’s possible to buy an annual multi-trip policy online. In most cases, you simply select the annual option instead of a single trip during the application. An annual policy will be more expensive, but will cover you for every trip you take in a 12-month period, up to the maximum trip duration (e.g. 30 days).

Most providers will provide options for the maximum trip length. It is important to select the maximum trip length that matches your travelling plans, as any losses that you incur on a trip that is longer than your chosen maximum trip length will not be covered.

Can I find current travel warnings online?

If you’ve seen in your policy’s PDS that destinations with a ‘Do Not Travel’ warning aren’t covered, you might be wondering how to check for current warnings online. You can find up-to-date information for most countries on the Australian Government’s Smartraveller website. It offers general advice for your trip as well as travel alerts and warnings. You should check the website regularly before departing to ensure your information is still correct.

Stephen Zeller, General Manager

Top tips for buying travel insurance online from our expert, Stephen Zeller

  • While it’s possible to buy travel insurance through tour companies or travel agents, they might have higher prices than you would get from going direct to the insurer or comparing through our service.
  • Taking the time to do your own research to ensure you get the cover you need can be beneficial and give you a greater understanding of what you’re able to claim on.
  • It’s easier to compare multiple products online, and through our comparison service, in one place, simplifying your search.
  • When considering a policy online, you can choose different levels of cover and trial alternate excess amounts before purchasing to adjust the cost of your premium. This can help you get the most value out of your policy, while also finding suitable cover for your trip needs.

Compare and buy in one place

We make it easy to compare and purchase travel insurance quotes online. You can compare a number of available policies in minutes with our free travel insurance comparison service.

Find out why it pays to compare today.

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