"top Travel Insurance Providers In Australia: A Comparative Analysis" - Whether you're skiing in New Zealand, going on a cruise or hopping on a plane to Europe, it's important to consider travel insurance. But how could you find the best policy? What features and benefits may be needed for recreation and which providers stand out with superb coverage?
That's where the Experts Choice Travel Insurance Awards, included in the 2023 baggage claim, come into play.
"top Travel Insurance Providers In Australia: A Comparative Analysis"
"Finding a policy can be a bit overwhelming, especially when policy features and cost can change depending on where you're going and what you're doing," says Experts Choice Awards judge Peter Marshall.
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"We wanted to explore first-hand across a range of holidays to help Australians find the best insurance and reward those providers offering the best travel insurance in 2023."
So, without further ado, here are this year's chosen winners and some expert advice on how to find the best policy for your trip.
Editor's Pick: For those looking for pure convenience, it's hard to beat the all-in-one travel app Freely. Customize this flexible policy by adding or removing extras and coverage as needed to suit your vacation. Friends suddenly invite you to go rafting? Add adventure sports cover (with conditions). Additional extras include gadgets, snow sports, cruise, motorcycle cover and more. For a limited time, you can also get 10% off your policy with promo code '23' (Terms and Conditions).
Editor's Pick: Looking for a reliable all-rounder with great health and COVID-19 benefits? A comprehensive travel insurance policy makes Fast Cover a compelling option. Customers can choose coverage based on region, activities, length of trip and a range of add-ons such as cruise, motorbike, adventure and excess rental vehicle insurance to tailor their plans to their holiday needs. The comprehensive policy includes unlimited medical cover and cancellation cover, with unlimited medical cover if you are diagnosed with COVID-19 and a 5,000 cancellation fee limit if you contract the virus and need to cancel a leg of your journey. Please note that sub-limits, exclusions and conditions apply, so be sure to read the PDS before signing up.
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Editor's Pick: Whether you're traveling alone or with your family, this comprehensive single trip insurance policy offers some great standard features. Unlimited medical and evacuation coverage tops the policy, and you have the option to increase the cancellation to unlimited (although this will increase your premium). Traveling abroad alone for less than two days? Southern Cross claims your premium could cost less than a meal. Unfortunately, pre-existing conditions are not automatically included, but you can apply to have them added along with your medical for an additional premium (subject to conditions).
Each year, the Experts Choice Awards recognize travel insurance providers for their most outstanding performance in meeting the needs of different types of travelers. Categories include Exceptional Value and Exceptional Quality for a range of policy types from comprehensive, multi-trip, cruise, ski and basic.
Policies that are highly rated for quality have the most generous coverage (such as comprehensive travel insurance). On the other hand, high value policies offer the minimum level of coverage at the lowest cost.
Judges also compare how well the policy travels across popular destinations and types of travel, so we can choose the best choice for as many holidays as possible.
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And as always, each travel insurance policy will have its own terms set out in a Product Disclosure Statement (PDS). Remember to read the PDS carefully and thoroughly before registering!
Why it won: World2Cover's top comprehensive policy has won for both excellent value and exceptional quality travel insurance, making it an obvious candidate for this prestigious crown. With unlimited emergency, cancellation and medical cover (with conditions), World2Cover makes it an extremely competitive choice for travelers looking for the most coverage at the best value.
Great benefits include coverage for 38 pre-existing conditions (including migraines and sleep apnea), car rental excess and up to $2,000 for overseas dental treatment (all with terms and conditions). In addition, many recreational and outdoor sports such as bungee jumping can be charged free (T&C).
While limits apply, allowable expenses you may claim under this policy include emergency cancellation, loss of baggage and replacement passport and travel document (TD) cover.
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Why it won: This super-exhaustive policy impressed the judges so much that they scored two wins: one for exceptional quality and another for annual multiple trip of exceptional quality. With generous coverage for a variety of accidents, including pre- and post-trip COVID coverage, up to $25,000 for lost or stolen luggage, unlimited overseas medical expenses and special business trip benefits, Cover-More provides great holiday benefits ( Terms and Conditions and conditions). You can also tailor your policy with optional add-ons, such as Cancellations Extensions, to extend your coverage.
Why it won: Send yourself abroad? Australia Post has developed a premium comprehensive international travel insurance policy that has won five People's Choice Awards in 2023. Australians have rated this provider highly for customer satisfaction and service, as well as ease of sign-up, and have been rated as 'Most Recommended'. And no wonder: Australia Post reckons you can get a quote in minutes. Customize your policy by choosing your excess and level of cover; the comprehensive plan provides unlimited coverage for overseas medical expenses and additional emergency expenses, as well as benefits such as money to restore the trip in the event of cancellation for valid reasons (terms and conditions apply).
Why it won: Flight Center has been involved in selling plane tickets for a long time, but did you know that you can arrange international insurance through it? With two 2023 People's Choice Awards for Check-in Experience and Most Recommended, there's a lot to check before you check your bag at Flight Center. The International Plus Single-Trip policy includes unlimited overseas medical and emergency coverage and useful benefits such as automatic adventure coverage for certain activities and the option to increase sub limits for certain items and car rental excess (subject to conditions).
Why it won: RACV was recognized as 'Highly Trusted' and 'Most Recommended' at the People's Choice Awards 2023 for this excellent all-round lighting option. Benefits include unlimited overseas medical, emergency and cancellation insurance, as well as items for baggage, travel documents and even pet cover (conditions and limits apply).
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Expert recommendations are amazing, but what do real travelers think is the best insurance? Fortunately, the People's Choice Awards 2023 have happened.
Asked 836 of your countrymen which travel insurance providers they rate highly in a variety of categories, from customer satisfaction and service to reliability, registration and claims experience, and whether they would recommend them to a friend.
The winners then received the People's Choice Award, making them some of the best vendors (and on air).
Looking for something a little unique? While these vendors may not have won an award this year, we think they still have something special to offer travelers.
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If your travel budget is tight, it's important to weigh the value you're getting when looking at your policy. This year, the expert judges wanted to highlight high value plans to make the comparison process easier.
All of these providers offered the necessary set of inclusions for judges at the best prices, from only medical services and essentials insurance to more comprehensive and annual multi-trip policies.
Expert judges also rated some of the suppliers based on the value they offer on vacation, such as snow sports or cruises.
Politicians who didn't win the overall coverage award but performed well in any of our eight popular destinations (US, UK, New Zealand, Bali, Thailand, Japan, Vietnam and Europe) for a hypothetical family of four in 14-day trip, also received the title of winners in exceptional countries.
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Easy Travel Insurance also won Exceptional Value Medical Only for New Zealand and Medibank won for the US.
Exceptional Value Essential Travel Insurance country winners include Chubb Australia (UK), Go Insurance (Bali), insure4less (USA) and Travel Insurance Saver (Vietnam).
For Exceptional Value Comprehensive winners for specific destinations, look no further than Chubb Australia for the UK, and Australia Post and NRMA for New Zealand.
Some travelers want better insurance, regardless of cost. That's why expert judges have analyzed the policies with the widest and most generous coverage for exceptional quality travel insurance premiums for both comprehensive and multi-trip travel.
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When choosing the best travel insurance policy for you, it is important to compare as many different policies as possible. But what if you don't know where to start? Let's take a look at the levels and types of travel insurance offered.
Once you've chosen the type of travel insurance you need, providers will usually offer several levels (or tiers) of cover, such as medical only, essentials or comprehensive cover.
You can also get free credit card insurance that comes as a bonus with your credit card.
Travel insurance policies may also include extras that tailor your cover for specific holidays, such as tourist travel insurance or seniors insurance.
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Many clues can point to a travel insurance policy being considered one of the best - exceptional value, great coverage and good reviews from other Australian travellers. But the best indicator that a policy is working? This is the best for you.
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