CTI Verdict
Butter is a digital-first travel insurer built for the kind of traveller who wants everything done from their phone. Seriously, you can get covered in under two minutes, pay via Afterpay, and manage claims entirely online. Unlimited overseas medical is included as standard, and the flexible structure means you only add on what you actually need. Just be aware that cancellation and luggage cover aren’t included by default and need to be selected separately, so it’s easy to checkout without them if you’re clicking through quickly.