Compare Travel Insurance Australia

Compare Travel Insurance Australia: travel insurance comparison for Australian residents

Compare Travel Insurance Australia is an Australian travel insurance comparison service that lets users compare policies from more than ten local insurers online. The platform presents itself as a free service, with no hidden fees, that directs users to the chosen insurer's website to complete the purchase at the insurer's direct price. It operates under Australian financial services licence AFSL 383590 and states that it is Australian owned and operated.

How the comparison works

The process is divided into three steps. First, the user enters their trip details: destination, dates and number of travellers. The tool then displays quotes from the different partner brands side by side, with prices, cover levels, exclusions and excesses. Finally, the user chooses the policy that suits them and buys it directly from the insurer, with no middlemen or additional charges. According to the website, the whole process can be completed in under sixty seconds.

Types of cover compared

The comparison service covers policies for different types of Australian traveller. The available categories include:

• Single trip travel insurance, which covers a single overseas trip, including visits to multiple countries.
• Annual multi-trip insurance, which covers an unlimited number of trips within a 365-day period.
• Cruise insurance.
• Seniors travel insurance.
• Domestic travel insurance.
• Family travel insurance.

The tool also lets users filter by specific activities such as skiing or cruises, and notes that stopovers of less than 24 hours do not need to be declared unless travelling through the USA.

Feature comparison across policies

The platform provides an indicative table of the differences between a basic or medical-only policy and a comprehensive policy. According to that comparison, overseas medical cover is unlimited in both cases; trip cancellation is not included in the basic policy but is included in the comprehensive one; luggage and personal effects cover is $2,000 in the basic policy and more than $10,000 in the comprehensive one; and 24/7 emergency assistance is included in both.

Editorial content and guides

The site has a section of guides and tips produced by the service itself, with articles on topics such as travel insurance during pregnancy, cover for acts of war or insurance for motorbike travel. These guides are presented as informational material to help users decide on their cover.

User ratings

The website shows a rating of 4.5 stars based on 4,343 reviews, with testimonials from Australian travellers mentioning their experiences of buying policies and claiming. The platform also publishes verified customer reviews about the claims experience and the customer service of the insurers compared.

Frequently asked questions about the service

Among the questions addressed on the website itself are how to compare insurance online, what a comprehensive policy covers, whether travel insurance is worth buying for Australians, whether insurance covers acts of war, how to get cheap cover and whether cover is needed within Australia. In the latter case, the platform notes that a domestic policy covers cancellations, luggage and often rental vehicle excess, but not medical assistance, as residents are covered by Medicare.