Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
The common misconception is that all cancelled or missed travel situations are covered. This is not the case. We help to explain the misunderstanding around travel insurance and cancellation cover, so that you can head on holiday stress free and avoid being crushed by unrealistic expectations.
Lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you or which are outside your control.
It depends on which policy you choose. Most insurers offer different cover levels and often at very different price points. We've compared the cheapest comprehensive-style policy offered by each insurer (current at October 3 2018) to give you a rough idea. To compare coverage and prices for your trip, use our quote function above.
|Insurer||Underwriter||Policy Name||Cancellation Cover||Go To Insurer|
|1Cover||Certain underwriters at LLoyd's||Comprehensive||$25,000||Go To Insurer|
|AllClear||Mitsui Sumitomo Insurance Company Limited||Gold Cover||$12,000||Go To Insurer|
|Amex||Chubb Insurance Australia Limited||International Comprehensive||$25,000||Go To Insurer|
|Boomers||Allianz Australia Insurance Limited||Comprehensive||Unlimited||Go To Insurer|
|Budget Direct||Auto & General Services Pty Ltd||Comprehensive||Unlimited||Go To Insurer|
|Columbus Direct||Certain underwriters at LLoyd's||Single Trip Premier||$20,000||Go To Insurer|
|Downunder||Certain underwriters at LLoyd's||Comprehensive||$20,000||Go To Insurer|
|Fast Cover||Hollard Insurance Company Pty Ltd||Comprehensive||$25,000||Go To Insurer|
|iTrek||Certain underwriters at LLoyd's||Pioneer||Unlimited||Go To Insurer|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||Insure & Go Gold||Unlimited||Go To Insurer|
|Kango Cover||Certain underwriters at LLoyd's||Standard||$10,000||Go To Insurer|
|No Worries Insurance||Certain underwriters at LLoyd's||Comprehensive||$20,000||Go To Insurer|
|Online Travel Insurance||Allianz Australia Insurance Limited||Comprehensive||Unlimited||Go To Insurer|
|Priceline||Chubb Insurance Australia Limited||Premium||$10,000||Go To Insurer|
|Simply Travel Insurance||Certain underwriters at LLoyd's||Comprehensive||Unlimited||Go To Insurer|
|Ski-Insurance||Certain underwriters at LLoyd's||Ski Plus||Unlimited||Go To Insurer|
|Tick Insurance||Mitsui Sumitomo Insurance Company Limited||Top||$20,000||Go To Insurer|
|Travel Insurance Saver||QBE Insurance Limited||C Travel Plan (Comprehensive)||Unlimited||Go To Insurer|
|Travel Insuranz||Berkshire Hathaway Speciality Insurance||Deluxe||$20,000||Go To Insurer|
|Under30||Certain underwriters at LLoyd's||Single Trip*||$5,000||Go To Insurer|
|Virgin Money||Allianz Australia Insurance Limited||Essentials||$20,000||Go To Insurer|
|Webjet||Allianz Australia Insurance Limited||Comprehensive||Unlimited||Go To Insurer|
|Wise Traveller||Tokio Marine Insurance||N/A||N/A||Go To Insurer|
|Worldcare||Allianz Australia Insurance Limited||Comprehensive||Unlimited||Go To Insurer|
|Zoom Travel Insurance||Certain underwriters at LLoyd's||Standard||$25,000||Go To Insurer|
*This insurer does not offer a policy which is considered to be comprehensive under Compare Travel Insurance's classification system. This is a mid-range policy provided for market comparison purposes only.
...And when are you covered for travel delays, alternative transport and cancellation? We highlight some scenarios:
Different aspects of your travel insurance policy relate to different times of your trip. Generally speaking anything that happens before travelling falls under the ‘cancellation cover’ and anything that happens once you have already started your journey will fall under ‘alternative transport expenses’ or ‘travel delay’.
Remember in all these covered circumstances travel insurance will only reimburse you for the non-refundable cost of the trip you’ve already paid for.
You must be able to prove to the insurer that you have done everything reasonable to avoid delay expenses, and in many cases you are going to need to provide written proof of cancelled flights, delays or loss.
Of course not every situation can be covered and this is when the confusion starts.
A travel insurance policy is a legal document and yet so many travellers chose not to read the Product Disclosure Statement which explains in detail all the policy benefits. Each insurer has a list of inclusions and exclusions, to avoid any doubt, check this before you travel.