Flight Centre Travel Insurance Review

Learn more about Flight Centre’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on June 26th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

One of Australia’s leading travel agencies, Flight Centre has been offering policies to holidaymakers for more than 40 years. Based in Brisbane but with outlets in Canada and New Zealand, the company has also branched out to offer its own travel insurance, which is underwritten by Cover-More.

If you’re looking for the best travel insurance, make sure you do your homework thoroughly with Savvy and compare quotes if you have your eye on one of Flight Centre's products. By doing this, you can pick out the right policy for your situation with more confidence.

Grab a quote now and learn more about Flight Centre’s travel insurance policies by comparing with Savvy today.

*Please note that Savvy does not represent Flight Centre for its travel insurance products.

More about Flight Centre’s travel insurance

What travel insurance policies does Flight Centre offer?

Flight Centre offers several standalone travel insurance policies, including:

  • International Plus: this type of comprehensive travel insurance policy provides you with cover for overseas medical and dental expenses, emergency costs, cancelling or amending your bookings, stolen cash and any travel delays you encounter during your journey. This policy also includes cruise cover, which covers you for things such as seasickness, onboard medical treatment and missed shore excursions.
  • International Essentials: this cheaper level of coverage automatically covers the cost of any overseas medical bills, cancellations and personal liability. However, you can choose to add further coverage, such as for your valuable items and travel delays.
  • Inbound Travel Insurance: if you’re a non-resident, Flight Centre has a policy tailored to those who are travelling to Australia from another country, such as South Africa or New Zealand. If you’re over 70, you won’t be able to access this insurance.
  • Domestic: if you’re taking a holiday within Australia, Flight Centre’s answer to a domestic travel insurance policy covers you for any emergency expenses, amending or cancelling your bookings, the loss or theft of your luggage and any missed connections or travel delays.
  • Domestic Cancellation: this policy purely covers you for any costs associated with cancelling your trip. You can choose the level of cancellation cover, from $1,000 to an unlimited amount.
  • Annual Multi-Trip: taking out Flight Centre’s multi-trip policy allows you to be covered for multiple holidays over 12 months, so long as they’re more than 250km from your house. Your trip must include one night’s paid accommodation, be purchased through a licenced provider and your longest journey mustn’t eclipse 60 days.
International Plus International Essentials Domestic Domestic Cancellation Inbound
Overseas medical expenses
Chosen limit
Chosen limit
Chosen limit
Chosen limit
Chosen limit
Additional expenses
Chosen limit
Luggage and personal items
Travel delay expenses
Personal liability
$3 million
$3 million
$3 million
Missed connections
Accidental death

Whether you’re taking a trip to South Africa or across the Tasman to New Zealand, it's important to compare travel insurance quotes with Savvy to help you make an educated choice.

What optional extras are available through Flight Centre?

Like many other travel insurance companies, Flight Centre offer optional extras on their coverage, including:

  1. Snow sports: this add-on covers you for skiing, snowboarding and snowmobiling, whether you’re hitting the slopes in Canada or some of the best ski resorts in Australia. You also get the choice of ‘Snow Sports+’ which allows you to pay a little extra and be covered for heli-skiing/boarding if you’re on a guided tour and skiing outside piste boundaries.
  2. Motorcycle and moped riding cover: this add-on allows you to choose depending on the two-wheeler you’re wanting to ride on your holiday. The standard add-on covers you for riding motorbikes up to 250cc, while ‘Motorcycle/Moped Riding+’ coverage allows you to ride with no cap on engine capacity.
  3. Adventure activities: Flight Centre’s standard activities cover protects you while taking part in triathlons, outdoor rock climbing and scuba diving at depths of between 30m and 50m below the surface. If you opt to pay a heftier premium, you can also be covered for parachuting or sky diving and trekking, including walking the Kokoda Track.

What exclusions should I be aware of when buying travel insurance through Flight Centre?

In Flight Centre’s case, some of the main exclusions are:

  1. Loss of belongings where you haven’t taken reasonable care
  2. Travelling on a privately-chartered plane or sea vessel
  3. Booking travel against doctors’ advice
  4. Goods confiscated by government officials
  5. Breaking the law
  6. Accidents caused by alcohol consumption or taking drugs
  7. Intentionally injuring yourself or attempting suicide
  8. Claims for treatment for unapproved pre-existing medical conditions

If you’ve found a policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Flight Centre travel insurance

What we like

COVID-19-related costs covered

Flight Centre is one travel insurer who covers you for COVID-19-related costs you may run into on your trip, which can help give you peace of mind when booking your holiday.

Generous luggage cover

While many travel insurance providers only enable you to claim between $7,500 and $12,000 if your bags are damaged or stolen, you can claim up to $15,000 with Flight Centre.

Cover for hijacking

If your mode of transport is hijacked by people who are using violence or threats, Flight Centre pays you $1,000 for each 24-hour period you are forcibly held, capped at $8,000.

What we don't like

Meagre domestic personal liability cover

Many travel insurance companies offer personal liability limits between $5 million and $10 million, but Flight Centre only covers legal bills up to $3 million for international travellers and just $200,000 for domestic policyholders.

Stricter pre-existing condition requirements

While Flight Centre covers you for pre-existing conditions such as carpal tunnel, epilepsy and migraines, if you suffer from a condition not automatically included, such as a chronic lung or heart condition, you’ll need to undergo a medical examination and pay a higher premium.

Shorter pregnancy coverage

While other travel insurers cover pregnant travellers up to their 30th week of gestation, Flight Centre only covers those with a baby on the way up to their 24th week.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about Flight Centre travel insurance

What COVID-19 coverage does Flight Centre offer?

Flight Centre provides cover for COVID-19-related costs through its international, domestic and inbound travel insurance policies. Depending on the type of cover you choose, you’ll be covered for overseas medical treatment, cancellation and a certain amount of emergency expenses if you’re required to self-isolate or arrange extra accommodation.

How do I make a claim through Flight Centre?

Submitting a claim online with Flight Centre is straightforward, with the insurer allowing you to lodge it through Cover-More’s portal. Once you’ve gathered your relevant documents (receipts, medical or police reports), you can scan them and upload them to the portal. You’ll also need to provide ample details of your claim. Once you’ve submitted them, Flight Centre says it can take up to ten working days for you to approve or decline your claim.

How much will my Flight Centre travel insurance cost?

Unlike other types of travel costs, there’s no one-size-fits-all travel insurance price, with the cost of your quote determined by a range of variables, including:

  • Your date of birth
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy
What’s the difference between single-trip, multi-trip and one-way travel insurance?

Single-trip insurance only covers one trip, but annual multi-trip policies cover multiple trips over a year. A journey can last up to 60 days when it is covered by an annual multi-trip policy, like those provided by Flight Centre. On the other hand, one-way travel insurance policies provide coverage for holidays taken without a confirmed return flight. You can typically choose to extend your cover for an additional year under these policies.

More travel insurance reviews

CHI Travel Insurance Review 

Learn more about CHI’s travel insurance to find out about their coverage and fees and compare them with other insurers …

RACT Travel Insurance Review 

Read Savvy’s review of RACT’s travel insurance offers to find out about their overseas coverage and fees and compare them …

CFMEU Travel Insurance Review

Learn more about CFMEU’s travel insurance policies to find out about their coverage and fees and compare them with other …

Real Insurance Travel Insurance Review

Learn more about Real Insurance’s travel policies to find out about their coverage and fees and compare them with other …

Australian Unity Travel Insurance Review

Learn more about Australian Unity’s travel insurance policies to find out about their coverage and fees and compare them with …

COTA Travel Insurance Review

Learn more about COTA’s travel insurance policies to find out about their coverage and fees and compare them with other …

Helpful travel insurance guides

Travel Insurance Banner - Young couple smiling in a meeting with a travel insurance broker.

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

Travel Insurance Banner - Group of young friends smiling on a ski lift overlooking the snow.

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

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.