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Travel Insurance direct

06 February, 2017 By Carolina Tran

You can easily avoid the hidden fees of travel agents by purchasing your travel insurance directly from an insurance provider.

We know that many travellers purchase from their travel agent but you would be shocked to know the difference in cost. Purchasing travel insurance direct from a travel insurance company is usually substantially cheaper than purchasing through a travel agent or tour company as they have no 'middle man' fees attached.

Travellers can also expect to pay a higher premium for policies purchased with airlines.  Some airlines suggest travel insurance as an add-on when booking flights online. Some are cheeky enough to pre-select travel insurance for you, so check the total summary as you may need to uncheck the travel insurance box.

Even among travel insurance providers the rates and policy components can vary considerably, so it's a good idea not to just grab the first policy offered to you but to take time for a careful comparison. For the easiest way to compare direct travel insurance, online can't be beaten. Start comparing travel insurance direct online now to see the savings for yourself...

Compare comprehensive travel insurance policies you get from going direct!

When searching for the maximum cover, it's a good idea to compare a few different companies to see which policy gives you the best bang for your buck! The below table shows the top cover levels of a few insurers in the market to give you an idea of what is available. To get a quote specific to your trip, use the quote box at the top of the page. 

**Please note, the table above shows the listed insurer's most comprehensive policy - international trips only **
The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances.  Cover levels could change at any time.

What the industry are saying

The consumer advocacy group, Choice, estimated that agents received up to 50% of a policy premium in commission. "It's very easy and convenient to go with the insurance provided by the travel agent but that might not be the best deal," a Choice spokesman, Christopher Zinn, says. "Our advice is that substantial discounts can be found online and high agent mark-ups are often negotiable."

In advice supplied by, the company states: "Naturally, buying travel insurance direct and cutting out the travel agent or tour operator can bring the price down substantially, as these middlemen tend to earn high commissions."

Ian Jackson, the general manager of the online group, Travel Insurance Direct, says its policies carry lower commissions - less than 30 per cent - by cutting out some of the intermediaries (distributors, marketers or agents).

In addition, according to the Marketing Manager of direct insurance company "Travel agents may not always have back up in the event of bankruptcy, whereas all quality insurance companies (in Australia) are underwritten by a reputable insurance body."

Some travel insurers operate wholly online and are able to offer rates that are made cheap, when compared to traditional companies, due to reduced overheads yet they still maintain high value and reliability.

As NRMA Insurance advises: "Shop around – don't just accept the insurance that your travel agent or airline offers you, there may be cheaper options available which suits your needs."

Expect better deals as competition heats up between travel agents, online and direct insurance retailers.

Travel insurance is one of those life decisions that can impact heavily if you don't put in the effort to make an informed decision. So take time to compare travel insurance direct versus travel agent prices.



24/7 Medical assistance

Don't fret should you get sick or injured on your trip, because this is exactly why you're buying protection for your holiday. Comprehensive travel insurance covers your medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs and doctor visits.

cancellation cover

cancellation cover

Sometimes trips just don't go to plan! Cancellation benefits cover the cost of rearranging or cancelling your journey because of unforeseen circumstances such as illness, accidents and extreme weather conditions. Remember, cover starts from the day you buy your policy not when your trip starts :)


Lost or damaged Luggage

It's a real pain in the ar*e when your stuff is lost, stolen or doesn't show up. At least if disasters happens on your holiday your policy will replace or reimbuirse you for your baggage and personal items if they disappear or are damaged.

No hidden fees

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

family emergency

family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live. 

personal liability

Personal liability

A lawsuit would certainly put a dampender on your dream holiday. Relax as you're covered in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property whilst on your trip. 

Contributor Carolina

Carolina Tran

Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.

OTHER HANDY Tips & Guides

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What activities are covered?

Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!


Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.


Pregnancy travel insurance guide

Not all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.

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