Best International Travel Insurance

Travelling abroad? Compare policies and find your international travel insurance here with Savvy.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Finding an appropriate international travel insurance policy is vital if you’re planning a trip overseas. It can be difficult to decide which insurance provider to choose, but Savvy can help take the guesswork out of picking your preferred policy.

By comparing providers and their policies with us, you can clearly understand what is offered by each policy, and compare coverage, payment limits and more. Get your free, no-obligation quotes from a panel of leading insurers here with Savvy today, and don't leave home without your trip being insured.

How do I find the best international travel insurance?

When it comes to getting the best travel insurance for your next short-term or long stay international holiday, it can be hard to make a choice with so many different options on the market. However, by following some of these handy tips, you’ll be able to compare policies with confidence.

Compare your options thoroughly

Comparing policies with Savvy offers your best shot at finding an appropriate type and level of coverage for your next holiday. Travel insurers offer a range of insurance policies and levels of cover, ranging from domestic and international cover, through basic to comprehensive policies. Consider the benefits you may want (such as medical treatment and fee cancellation cover) before comparing policies to make sure you buy the most appropriate cover for your trip.

Consider your needs as a traveller

By shopping around and weighing up the benefits of different policies, you stand a good chance of finding a travel insurance policy that offers highly appropriate cover for your trip. The cheapest option isn’t always the best option, so consider inclusions and exclusions before you purchase a policy. For example, if you’re taking valuables with you on your holiday, you may want to have them fully covered just in case something does go wrong. If you’re travelling with your partner and kids, you may wish to consider a family policy. Those travelling in a larger group may find that a group insurance policy offers the cheapest option.

Think about your budget

The cost of travel insurance varies depending on the insurer you choose, the policy you choose to take out, and the level of cover offered. Comprehensive insurance usually costs more than basic coverage. It's important to consider what you really need for your holiday. For example, if you’re travelling light, and are on a tight budget, you may be content with basic coverage, and consider this level of cover sufficient.

Study the Product Disclosure Statement

Before you buy a travel insurance policy, read the Product Disclosure Statements and compare them so you don’t encounter any hidden surprises. For example, you may have a pre-existing condition (such as a heart condition or a type of cancer) which isn’t automatically covered under a particular policy, so by reading the PDS you'll be aware of the limitations, and may either be able to seek additional cover, or choose an alternative policy that doesn't have the same exclusions.

What do the best international travel insurance policies cover?

Whether you’re a backpacker planning a hiking trip to the Netherlands or a grey nomad wanting to tick a few places off your bucket list, international travel insurance can offer you a wealth of protection when you’re overseas.

What you’re covered for depends on whether you take out basic or comprehensive travel insurance. Basic coverage will offer you some financial protection if you need medical treatment, or are involved in an incident where someone else was injured and you’re found to be personally liable. However, the claim limits tend to be lower on such policies, and the benefits offered are more limited. On the other hand, comprehensive coverage offers you a wider range of benefits, including:

  • Medical and hospital expenses: If you get sick and require health treatment or a trip to the hospital, your insurer may assist to cover some of the costs, so you’re not left too much out of pocket.
  • 24/7 assistance: Purchasing top-level travel insurance can potentially offer you the opportunity to contact your insurer day or night if you’re involved in an emergency and need your insurance company’s help.
  • Emergency dental procedures: Chipped or cracked a tooth? If your teeth cause you pain while you’re on holiday, some insurers can provide you with coverage up to a set limit, often around $1,000.
  • Accidental death: Comprehensive travel insurance may cover the cost of repatriation of your body and assist with funeral-related expenses if you die from an accident overseas.
  • Permanent disability: If you’re left permanently disabled by an accident while you’re on your overseas getaway, some comprehensive policies can provide you with a payout of up to $50,000, as long as the accident is a covered event in your policy, and subject to eligibility and terms and conditions.
  • Loss of income: Travel delays and unforeseen circumstances abroad can sometimes prevent you from returning home on time. If you can’t get back to work, your insurance company may cover your lost wages up to a specified limit.
  • Cancellation or delay: If your flight is delayed or you need to call off your trip due to an injury or illness, your insurance policy may cover the costs of your flights, accommodation and any other non-refundable bookings due to an insured event. However, be aware that you may not be covered if you catch COVID-19 and have to cancel your trip within 72 hours of buying your policy.
  • Luggage and other belongings: If your baggage is damaged, goes missing or is stolen, your insurer may reimburse you for the cost of replacing it, up to an agreed limit (which can range from less than $1,000 to $15,000.) Remember: always have your eyes on your bags, as leaving them unattended can void your claim. You can also take out specific coverage for valuable personal items such as your mobile phone or other devices you’re taking away with you.
  • Rental car excess: Hiring a car in a city you’re exploring can be a handy way of getting around. If you’re involved in an accident, your insurance company may be able to cover your hire car excess, subject to eligibility and conditions.
  • Delay of luggage: It can be frustrating if your luggage goes missing, or its arrival is delayed by your airline. Luckily, your insurance company may be able to reimburse you for some more important or urgent items, such as toiletries and clothes.
  • Theft of cash: Pickpockets can strike when you least expect it. If you have a sum of money stolen, you may be able to claim up to $250 through your insurance companies. However, you may need to report any theft to local police authorities, and provide the crime report as supporting evidence.

When purchasing your insurance, insurers may also give you the option of either nominating the countries you need cover for, or opting for worldwide coverage. Some insurers may even let you add in countries after you’ve purchased your initial policy. It may possibly be cheaper to pick the countries you’re planning on travelling through, rather than opting for worldwide coverage. It’s also recommended to include stopover nations, even if you’re only planning to be in that country for a few hours.

What is the best international travel insurance for me?

The best travel insurance policy for you will depend on your individual needs as a traveller. One of the benefits of travel insurance is that it comes in many shapes and sizes. Whether you’re planning a holiday with the family, taking a one-way trip or going on a cruise across the Pacific Ocean, there’s an insurance policy that suits almost every type of holiday or business trip. Choosing a policy shouldn’t be too hard if you have a rough idea of what kind of holiday you’re planning. Once you’ve decided on a comprehensive or basic policy, you can also choose between the following types of insurance:

Single-trip

If you have a return ticket booked and you only need coverage for one holiday, you can purchase single-trip travel insurance through most insurers. You can buy a policy and use it for any round-trip holiday within 12 months. This option may prove cheaper than buying multi-trip cover (particularly if you aren’t a frequent flyer, and don't plan any further trips within the year.)

Annual

If you are planning multiple international holidays over 12 months, it may pay to look at annual, or multi-trip travel insurance. This type of coverage allows you to take several short-term trips without the hassle of needing separate policies for each trip. You’ll be covered for a certain number of travel days across the year, ranging from 15 to 90 depending on which insurer and policy you choose.

One-way

One-way policies allow open-ended travel flexibility with the option to extend while you’re overseas. Suited to those who are moving abroad temporarily, or working overseas, you get the option of basic or top-level cover. You usually get 12 months of continual coverage, although some insurers will allow you to extend this out to 24 months.

As with any travel insurance product, which policy is best for you will come down to the price and the benefits offered by that policy; finding the right balance between the coverage you need, and what you can afford is important. 

Types of travel insurance

Why compare travel insurance with Savvy?

How do I compare international travel insurance policies?

Frequently asked international travel insurance questions

Can I get travel insurance that covers COVID-19?

Some insurers will exclude pandemic-related expenses, but others are now offering cover for cancellation or medical expenses for COVID-19-related illness whilst on your trip. However, not all events will be covered, and you may not be covered if your claimable event occurs within 72 hours of purchasing your policy. You may need comprehensive coverage if you want to be covered for cancellations or delays relating to COVID-19.

What is the best international travel insurance for seniors?

If you’re a senior travelling to Mexico in your golden years, there are a few factors to look for when shopping around for an insurance policy:

  • Insurers deem older travellers to be at an increased risk of injury or illness, so they may charge a higher premium and excess. Comparing your options will give you a wider choice about policies that may work for your budget.
  • Compare the age limits of different insurers, which may have policy age cut-offs ranging from 65 to 100 years old.
  • Some insurers have a standard list of pre-existing medical conditions they will cover while you’re on holiday. By comparing policies you may be able to find one that has the coverage you need, you don’t end up paying extra for additional cover.
Will international travel insurance cover me if I have cancer?

Many insurance companies consider cancer a pre-existing condition, and won’t include it in their policies. However, some insurers may be able to offer cover if you’re being treated for cancer. In most cases, though, you’ll have to pay a higher premium to get coverage. In addition, if you have been diagnosed with terminal cancer, most insurers won’t provide you with protection.

What is the best type of travel insurance if I’m travelling in a group?

If you’re travelling in a group, most group insurance policies will allow you to bundle up to 25 people under one policy. If you’re a parent or grandparent, you may be able to include your children or grandchildren for free in your existing policy. Most insurers will require youngsters to be under 20 and not working full time to be included for free.

What is the best international insurance for pregnant travellers?

If you’re looking for the best travel insurance policy when you’re pregnant, start by looking at conditions and coverage. For example, some insurers may cover you for pregnancy-related expenses up to 32 weeks, whilst others cap their cover from between 18 to 24 weeks pregnant. They may also ask for a medical certificate from your doctor to say you’re fit to travel. Different conditions may apply for multiple pregnancies or for fertility-assisted pregnancies such as IVF babies.

Am I covered if I want to take part in competitive sports overseas?

Yes – but you may need to take out additional cover to make sure you do have insurance when participating in competitive sport. Insurance companies are unlikely to automatically cover you for high-risk activities such as playing football or rugby while you’re travelling abroad, with many requiring you to pay a higher premium.

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.