Travel insurance: how to get the right policy

How do you decide what policy to choose?

Comparing travel insurance companies

Are you searching for travel insurance, but completely confused about what’s what? Are different providers offering you different things? And if so, how do you decide what policy to choose?

As with any type of insurance, different travel insurance providers will offer different types of insurance options. Here are some tips on how you can compare various companies and find a policy that’s right for you:

1. Start with you
If you’re unsure which travel insurance providers you should be comparing, start with you and your trip. 

  • Make a list of all the circumstances and items you feel you require cover on your holiday; a good way to think about this is to take into account your tangible items (e.g. luggage, valuables) and also consider what other risks you will be taking (e.g. will you be going diving? Hiking? Cycling? Driving?).
  • Where possible, attribute a dollar value to each item to help you understand how much cover you need.
  • Make a list of “nice to have” insurance inclusions to help guide your decision further; this might include things like cover for loss of income or pet insurance, if you’ll be putting your pet into a boarding home while you’re away.
  • Once you understand what you need, you can conduct a simple check of each provider you are considering to see whether they offer what you want.
  • You can then narrow down your choices into a shortlist of potential providers; three to five companies would be a good amount to compare.


2. Do your research
Grab your travel insurance shortlist and do some research on each company; find out as much as you can in regards to their cover, service and quality

You can look at their websites, read about them on other news sites, check out their social media pages – and most importantly, you should also read their customer reviews

3. Look carefully at what’s offered
Now that you’ve got a definitive shortlist of providers, you’ll need to start looking carefully at what types of cover and limits are offered for each of your required items (the ones you wrote in your list in Step 1). Does one company provide more cover than another?

*Tip: Drawing up a rough table to help you compare each limit and cost can be helpful at this stage

 4. Put your glasses on and read the fine print!
The fine print – otherwise known as terms and conditions – is where you get to learn exactly what is and isn’t covered in the insurance policy, so it’s essential to read this carefully for all the policies you are considering.

If you notice certain circumstances, limits or exclusions are causing issues for you, you can eliminate that policy from your consideration or move it lower down on your priority list.

  • Tip: If you’re still unsure at this stage which policy is better or if there are two or more companies that are offering similar packages, go back to your research and see which company has garnered better reviews and feedback from customers

5. What other perks are there?
Finally, if you’re at the finishing line but still can’t make that final decision on who to choose, consider what each company is offering in terms of perks or additional benefits. Common perks can include:

  • 24-hour insurance support/assistance while you’re away
  • free phone support if you need help or experience an emergency
  • promotions or offerings that can save you money
  • benefits for kids, such as free cover or additional cover for certain items
  • quality upgrades that you can use to tailor your package (e.g. upgrading to include business cover, winter sports, etc.)


If you are on the look out for travel insurance, CANSTAR award-winning InsureandGo offers unlimited overseas medical expenses cover, cancellation cover and more for your peace of mind. Learn more at or phone 1300 552 701. 


    To make a comment, please register or login
    19th Jun 2016
    Do NOT purchase travel insurance from Allianz, either directly or through their agent Webjet.
    Allianz is the most unreasonable and pigheaded insurance company I have ever come across.
    19th Jun 2016
    To add to my post above...

    If Allianz spent as much money looking after their existing customers as they do on their stupid and childish TV adverts, they would generate much more business through good customer feedback.

    As is currently stands, Allianz owes me $143 and I have hopefully cost them $1000's with all the negative feedback I have given them on various platforms and this will continue until their debt to me is fulfilled.

    Hopefully somebody in Allianz will has the brains to see that what they are doing is not good business economics and not in the best interests of their shareholders.
    19th Jun 2016
    Read it will scare you away from ANY insurance,especially travel insurance (I am currently looking to renew my Home & Contents policy). I had a bad experience last year (Bali Volcanic Ash Cloud) where I submitted 11 pages on a legit travel insurance claim, only to have it rejected twice & had to fight tooth & nail for months to finally have it paid promptly after submitting a review to - claim was paid 3 days later! Reading insurance reviews on that site of any kind will tell you that most insurance compainies are the same - they will not pay your genuine claim unless you are prepared to fight them to the very end! Something needs to be done about this as it is legalized robbery that they can take your premium money & refuse to pay an honest claim! I personally would not bother taking out a travel insurance policy again, not worth the money - instead don't go on holidays unless you have saved enough money (yourself) to back you up if something goes wrong - at least you will be covered!
    19th Jun 2016
    Point 2 above - if you are going to Europe, and then on a Mediterranean Cruise - is useless going on the Travel Insurance site to get a quote - does not include cruise.
    19th Jun 2016
    Hmm your right, we are now fighting tooth and nail over a similar claim
    19th Jun 2016
    Buyer beware!! Do not purchase a policy from InsurenGo!
    Especially when policy offered by their consultant is bought.
    Claim denied due to us not purchasing correct policy. Hello!! Train your staff, or at least record any advise given by them.
    19th Jun 2016
    If you paid for your holiday & flights using a credit card you will probably get free travel insurance from the card company.
    This free insurance will probably be little different from that purchased direct from the travel insurance companies but of course needs to be checked out as individual circumstances do vary.
    19th Jun 2016
    Correct, bigBen, although there are some strict limits such as age and other things. But I haven't done the bungie jumping stuff for years, so not an issue. If you are going to a safe place, like Germany or Norway, then fine.

    Just a note : if you pay for your flights by credit card, you are covered for all of your holiday between the flights as well. I checked with the insurance co - got it in writing. SO you can pay for your holiday with anything cheaper, like bank transfer, BPay etc. and usually save a few percent.
    Old Geezer
    20th Jun 2016
    I rang the credit card insurance people and I was not covered for a cruise in Australian waters.

    I regularly rent cars so I have an annual travel insurance policy. I find it costs me less than what the hire car company would charge in their insurance extras to cover this policy.

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