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How to Get a Travel Insurance Quote

Find out how to complete a travel insurance quote and the process involved in Savvy's handy guide.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Travel insurance is a must for any globetrotter, but it isn’t always simple to find a deal which is the perfect fit for you when there are countless options online. Because of this, it's important to understand what's involved in filling out a travel insurance quote. Find out about the process and how to compare travel insurance policies through Savvy's helpful guide today!

How do I get a travel insurance quote?

Getting a quote online for travel insurance is straightforward and doesn’t take much time. All you'll have to do is fill out some basic information about yourself and the trip you're planning to take. This information includes:

  • Whether you're looking for a single-trip, annual multi-trip or one-way policy (backpacker)
  • Your destinations
  • The start and end date of your trip
  • Whether the insurance is for you specifically or if you're sharing with someone else
  • The ages of any travellers covered under the policy
  • Whether you need cruise or ski cover

All of this can be completed online through Savvy. Once you've filled out this information, you'll be taken to a list of offers which suit your requirements from our panel of partnered insurers. You can compare the pros and cons of each policy, what they do and don't cover and how much they cost and, once you've chosen one, can go ahead and purchase it online via their website.

How can I compare travel insurance quotes?

Comparing travel insurance policies comes down to looking at several important variables, which are crucial to consider before you go ahead and buy your policy. Some of these include:

Costs

It can be tempting to go out and pick the cheapest travel insurance on the market, especially if you’re travelling on a tight budget. However, basic travel insurance may only provide you with cover for medical expenses and personal liability with some insurers, so you may wish to take out a policy which offers cover for unexpected circumstances which cause cancellations or loss of luggage (some of these may be included in basic coverage with some insurers, but this could cost extra). It's important to make sure you aren't paying more than you need to for insurance, but it's crucial to seek out the coverage you need.

Inclusions and exclusions

It's essential to know what is and isn't covered when taking out a travel insurance policy. Different insurers will have different inclusions and exclusions as part of their policy terms, so you should familiarise yourself with these before selecting your policy. For instance, you're likely to find that some of the most common exclusions among travel insurance policies are the following:

  • Medical costs stemming from treatment for undiagnosed or undisclosed pre-existing symptoms
  • Costs relating to losing a personal item after leaving it unattended
  • Travelling against government advice
  • Unexpected circumstances stemming from breaking local laws

Excess

The excess on your travel insurance is an agreed amount you pay after your insurer accepts your claim. Once you cover the cost of the deduction, they pays the rest up to the limit as stated in your agreement (if there is one which applies). Most insurers give you the option of increasing or decreasing your excess. Opting to pay a higher excess can reduce the cost of your premium, as you’re willing to pay more out of pocket if you make a claim.

Countries

When you’re comparing policies, make sure they cover all locations you're travelling to, even those you’ll only be briefly stopping over in. Even if you’re only in a country for a few hours, it’s better to be on the safe side if something does happen and have greater peace of mind that you'll be able to make a claim if an event which qualifies for coverage takes place during a stopover.

Extras

Insurance companies can allow you to add extras to your policy. This may enable you to take part in adventure activities such as scuba diving, skiing or battle re-enactments and access protection should a covered event take place, which wouldn't have otherwise been possible if you hadn't purchased your optional extra.

Pre-existing conditions

Most travel insurance policies feature coverage for a limited range of pre-existing conditions automatically, with other more serious conditions either able to be added to your coverage for an extra fee or excluded altogether. As such, it's essential to compare policies to see if you can find one which offers the coverage you need.

What will my travel insurance policy cover?

Getting a travel insurance quote and taking out a policy before your next domestic or international holiday is just as important as packing your passport or toothbrush. Some of the travel insurance benefits which may be covered under your policy include:

Medical expenses

If you get sick overseas and need medical treatment, your travel insurance policy may be able to help shoulder the financial burden if you qualify for coverage. Policies typically cover costs relating to an ambulance, emergency surgery, evacuation and repatriation. Medical care can be expensive, especially if you’re travelling somewhere like America, and not having travel insurance could see you fork out thousands of dollars for care if you suffer a medical episode while travelling abroad which would have otherwise been able to be covered by an insurance policy.

Lost or damaged luggage or personal items

If you lose your luggage or have your personal items stolen or damaged, most comprehensive policies will help you replace or repair your belongings up to an agreed amount stipulated in your policy (subject to meeting their qualification criteria). Some providers may even be able to cover the cost of essentials such as toothpaste or clothes if your luggage is delayed more than 24 hours. However, luggage which is lost or stolen because you left it unattended or in a car is unlikely to be covered.

Cancellations and delays

Under your travel insurance policy's cancellation cover, you may be able to claim for a range of expenses, such as flights, cruises, accommodation, hire car costs and other non-refundable bookings such as tours. Some of the circumstances which may be covered (subject to insurer criteria) include:

  • Illness or injury to you before or during the trip
  • Unexpected death of you, a member of your travelling party or a family member
  • Unexpectedly being made redundant from your job
  • Theft of personal belongings, including luggage

However, you're unlikely to be covered if you knew about the circumstances which could have potentially led to your trip being curtailed, delayed or cancelled prior to buying your policy, as well as if you simply decide not to travel. Always check with your insurer and read the PDS so you know what will and won't be covered.

Rental car excess

You can also be covered for the excess on a rental car if it's damaged in your possession. If your claim is covered by your insurance provider, you can generally be reimbursed up to a maximum of $5,000 (though there are some insurers who can offer coverage of up to $8,000 in some cases). Whether you'll be eligible to receive partial or full reimbursement will depend on the unexpected circumstances which led to your claim and the terms of your agreement with your insurer.

What different types of insurance policies can I choose from when getting a quote?

You’re spoilt for choice these days when you shop around for the best insurance deal. Not only do you get the option of basic or comprehensive coverage, but there’s also insurance tailored to certain demographics and holiday types. Some of these include:

International insurance

Whether you’re jetting across to Italy to check out the Colosseum or planning a relaxing holiday to the Maldives, international travel insurance is as vital as your passport. This type of overseas insurance can cover you for a range of unexpected circumstances, including those listed above. The most important area of coverage sought by travellers is medical expenses, as an unforeseen injury or illness could set you back thousands of dollars, or much more, depending on your destination.

Familiarise yourself with your policy's PDS to make sure you know what is and isn't covered under your international travel insurance policy, with all coverage subject to the terms and conditions laid out by your insurer.

Domestic insurance

Going on a road trip across Australia or flying to the Sunshine State for a weekend getaway? Domestic travel insurance is designed to cover you for trips within Australia, with the main difference from international insurance being the lack of medical cover (due to the presence of Medicare and private health insurance). It'll otherwise generally cover the same areas as an international policy, though this will depend on the insurer you choose to go with.

For instance, some insurers may offer lower claim limits for select circumstances on domestic policies compared to international travel insurance. As such, it’s important to check the fine print with your insurer. Additionally, some providers only cover you if you’re a certain distance from home, such as 200km or 250km.

Single-trip insurance

As the name suggests, this is a type of insurance which can offer coverage for the duration of a single trip starting and ending in Australia. Different insurers will have different definitions and requirements for this type of cover, but you may find that this offers protection for no more than 12 months overall.

Annual/multi-trip insurance

This insurance policy is designed for those who are planning to take multiple trips, either domestic or international, within a 12-month period. These will come with a stated maximum number of trips within this period and the maximum length of a single trip. Some providers can offer cover for an unlimited number of trips up to as much as 90 days each, but it's crucial to compare and confirm what the requirements are before you buy.

One-way insurance

This is a specialist type of cover designed for travellers who don't have a return ticket booked. Cover can generally last up to 12 months, but some insurers may enable you to extend it under certain circumstances to a maximum of two years.

Seniors insurance

Some insurance providers offer policies specifically tailored to senior travellers. This can enable you to access coverage at an older age, with some insurers allowing those as old as 100 to take out a policy (not all providers will do so, however, and coverage is subject to meeting other qualification criteria). Coverage for eligible pre-existing conditions can also be included, but it's important to check with your insurer to see if yours is included.

Cruise insurance

Some providers offer domestic and international cruise insurance which can cover you for a range of incidentals, including needing medical treatment at sea. This can either be included as part of their main coverage or purchasable as an optional extra. Many foreign-owned cruise liners won’t have a Medicare-accessible doctor on board, so your health insurance can offer protection if an unforeseen event which qualifies for coverage takes place while you're on your cruise.

Why compare travel insurance with Savvy?

Top tips for finding the best travel insurance quote

Consider your own needs

It’s a good idea to focus on what you need out of your travel insurance when shopping around for the right policy. For example, it’s important to double-check you aren't paying for inclusions you don’t need. For example, if you’re planning on travelling to New Zealand but won’t be needing skiing coverage, make sure you aren't paying extra to cover it.

Work out what you’re taking

Few people can leave home without their phone or other electronic devices. If some of your most treasured possessions are joining you on your holiday, it’s worth checking whether they’re able to be included (and sufficiently covered) or available as an extra add-on before you buy your policy.

Compare policies with Savvy

Just as you would compare your flights and accommodation to find the best price online, you should do the same when you’re shopping around for your travel insurance. We're partnered with a panel of trusted travel insurance providers to give you high-quality options to consider when you get a quote through us.

Analyse the inclusions and exclusions carefully

One of the most important aspects of finding the right travel insurance policy for your needs is being clear on what is and isn't covered. By reading the PDS and checking your insurer's terms and conditions, you can be more confident of knowing what you can claim for and the unexpected circumstances which can be covered by your policy.

Frequently asked travel insurance questions

Will being pregnant affect my insurance quote?

Yes – being pregnant can impact what type of coverage you can take out. Whether you can access the coverage you're looking for as a pregnant traveller will depend on how far into your gestational cycle you are, any recommendations by your doctor and any other qualification criteria which your provider assesses you under.

In terms of how far into your pregnancy you'll be covered, some insurers can offer protection for pregnancy-related claims as far as 32 weeks in, while others may restrict this to a lower maximum of 18 to 24 weeks. Whether you're approved for cover up to your insurer's nominated maximum will be determined by other terms and conditions and factors relating to your pregnancy.

Will my travel insurance quote cover COVID-19-related costs?

Many travel insurance companies today offer cover in relation to COVID-19-related expenses, namely medical and cancellation costs. These may come about due to contracting the virus either before or during your journey or becoming a close contact. It's important to note that you won't always be covered, however, with some insurers setting a 72-hour window during which, if your claimable event occurs within it, you may not be covered. It's important to check with your insurer and compare offers so you know what is and isn't covered before you purchase your policy.

Can I extend my policy if I’m already overseas?

Some providers may allow you to extend your coverage if you decide (or are forced) to travel for longer than originally planned. However, this doesn’t apply to all insurance policies under all circumstances, so it's important to find out when you may be able to extend your coverage.

Is the travel insurance process 100% online?

Yes – buying travel insurance through Savvy and one of our partners is 100% online. Once you complete your quick quote with us, you can choose a policy with one of our lenders and purchase it online via their website. There's no need for you to visit a travel agent or broker during this process, making it a fast and convenient one for users.

How do I make a claim?

Making a claim through your travel insurance provider is relatively straightforward. If something unexpected occurs, check your PDS and/or with your insurer to confirm that the event is covered by your policy. If it is, gather your supporting documents (such as a police report, medical certificate or any other documents they request) and contact the claims team. Fill in the claims form with plenty of detail, hand over your documents and submit your claim. You'll generally receive a notification of the outcome of your claim within ten business days.

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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.

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