Travel Insurance Quote

Compare travel insurance offers with Savvy to help you get the best quote.

Last updated on August 4th, 2022 at 04:23 pm by Kurtis Eichler

Compare travel insurance and quotes with Savvy

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. Thankfully, Savvy saves you time and money by helping you compare quotes to maximise your chances of getting the best on the market.

We can help you decide which travel insurance quotes give you the most coverage at an affordable price by giving you all the tools to compare different offers on the market in detail. Compare with us and find the best deal today.

How do I get a travel insurance quote?

Getting a quote online for travel insurance is relatively straightforward and doesn’t take too much time. Once you’ve done your research, compared your options with Savvy and found a provider which catches your eye, you can ask them for a quote online. Once you’re on their website, you’ll be asked to provide the following information:

  • Travel information: Share the details of your departure and return dates, as well as the country you’ll be travelling to.
  • Traveller details: You’ll need to select how many people are travelling on the flights. Providers allow you to take out single, double or group travel insurance to cut down on costs. You’ll need to provide their full names and ages.

Once you’ve supplied your details, you’ll receive a quote from your provider. If the quote suits your needs and budget, you can go about purchasing your policy, which can be done online or over the phone.

How can I compare travel insurance quotes?

Comparing travel insurance policies comes down to looking at several important variables, such as the cost of your premium and what coverage you’re getting. Some of the factors you’ll need to consider include:


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 not provide you with the coverage you need and see you paying more in out-of-pocket costs if something goes wrong. It’s worth comparing to find deals which offer the cover you need and are affordable for you.


Travel insurance usually comes with two options: comprehensive or basic coverage. Basic coverage gives you the bare necessities when you’re travelling, while comprehensive covers you for a raft of unforeseen accidents, such as lost luggage, top-tier medical treatments and replacement or repair of any valuables. It’s handy to compare policies to see which has the right mix of inclusions to suit your travel plans so you aren’t paying more for coverage you don’t need.


The excess on your travel insurance is an agreed amount you pay to make a claim. Once you cover the cost of the deduction, the insurance company pays the rest. 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.


Whether you’re sailing the open seas or taking to the skies, you may be spending a short amount of time in another country before you reach your destination. When you’re comparing policies, make sure the ones which catch your eye include the countries you’ll 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.


Insurance companies can allow you to add extras to your policy. This may enable you to take part in scuba diving, skiing or battle re-enactments with the peace of mind that if you’re injured, you’ll get the medical treatment you need.

Pre-existing conditions

Most travel insurance policies feature coverage for a limited number of pre-existing conditions, as long as you haven’t required treatment for them for at least one year. It’s important to cross-check insurance policies to ensure the pre-existing conditions you have are covered. If they aren’t, you can look for providers who offer add-ons that allow you to receive treatment overseas if you require it.

What will my travel insurance quote 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 main areas you can be covered for include:

Medical expenses

If you get sick overseas and need medical treatment, having travel insurance allows you to get top-level care without having to worry about the cost. Most insurance providers will cover the cost of an ambulance, emergency surgery, travel home or repatriation of your body if you die. 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.

Lost luggage

If you lose your luggage or have your personal items stolen or damaged, most travel insurers will help you replace or repair your belongings up to an agreed amount stipulated in your policy. Some providers will even cover the cost of essentials such as toothpaste or clothes if your luggage is delayed more than 24 hours. If you’re travelling with valuables such as laptops, jewellery or mobile phones, you may need top-level coverage to protect them. However, luggage which is stolen because you left it unattended or in a car is unlikely to be covered.

Cancellations and delays

If your flights are delayed due to forces out of your control, some insurance companies will reimburse the cost of your accommodation or meals. You can claim up to an amount laid out in your policy, as long as your flight is delayed more than 12 hours. Remember to be at the airport on time, as providers won’t cover costs associated with missing your flight.

Natural disasters

Most providers cover you if you’re caught up in a natural disaster while on holiday, as long as you purchased your travel insurance before the catastrophe was reported. Most providers will cover any medical treatment you need to receive and reimburse the cost of cancelled flights or accommodation. If you don’t have insurance, some airlines provide refunds to passengers if there’s a cancellation or delay due to a natural disaster.

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

These days when you shop around for the best insurance deal, you’re spoilt for choice. 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:


Going on a road trip across Australia or flying to the Sunshine State for a weekend getaway? Domestic travel insurance provides you coverage for unexpected incidents such as:

  • Stolen, damaged or lost luggage
  • Refund on flights and hotels if you’re too sick to travel
  • The excess on a rental car
  • Additional expenses such as meals, clothes or toiletries if your flight is delayed

It’s important to check the fine print, and some providers only cover you if you’re a certain distance from home.


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 covers you for a whole range of incidentals which can include:

  • Medical costs such as ambulances and emergency care
  • Natural disasters in the event you have to be evacuated from your destination
  • Luggage that is lost, stolen or broken anytime during your trip
  • Liability if you’re involved in an accident
  • The cost of non-refundable bookings if you have to cancel your holiday due to illness


Some insurance providers offer policies specifically tailored to senior travellers over the age of 60 to 65. You’ll be covered for emergency medical and hospital expenses, theft and loss of belongings, travel delays and medical evacuations. Most providers will also roll in coverage for eligible pre-existing conditions. However, premiums tend to increase the older you are.


Most providers offer domestic and international cruise insurance which covers you for a range of incidentals, including needing medical treatment at sea. Many foreign-owned cruise liners won’t have a Medicare-accessible doctor on board, so you won’t be covered if you need general healthcare. That’s why it’s important to compare and get a policy that covers you for a raft of medical emergencies, even if you’re staying in Australian waters. Some of the other benefits of taking out travel insurance if you’re cruising include cover for unexpected cancellation, loss of luggage, on and off-shore activities and any transport expenses.

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. Providers will allow you to take out group policies which cover you and your partner, your wider family and even your grandchildren which could save you money. It’s also important to double-check you’re not 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 it isn’t included.

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 ensuring they’re able to be included (and sufficiently covered) in your travel insurance or available as an extra add-on.

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. This allows you to find the best quote with all the coverage you need for your next holiday, whether it be in your own backyard or across the seas.

Consider paying a high excess

It’s worth considering a higher excess to reduce the premium you pay when taking out your travel insurance. Choosing to take on a greater portion of the cost if you do need to make a claim will reduce the amount you need to pay to purchase insurance, potentially saving you money overall. However, it’s worth ensuring you’ll still be able to comfortably afford your excess.

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. Most travel insurance providers will allow you to get insurance if you’re up to 30 weeks pregnant, up to as many as 36 weeks into your pregnancy in some cases. However, requirements may differ from provider to provider and some providers may not provide coverage for expectant mothers at all. If your doctor gives you the all-clear to travel, it’s a good idea to compare products with Savvy so you get the right insurance.

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

Some providers on the market can give you coverage for COVID-19-related costs, such as medical treatment or cancellation expenses. However, this won’t be the case with all providers, so it’s worth comparing with Savvy so COVID-19 doesn’t wreak too much havoc with your travel plans.

Can I get a travel insurance quote for multiple trips?

Yes – many providers offer annual travel insurance which can cover you for multiple short holidays across 12 months. It can be a cheaper way of insuring yourself if you are planning a few getaways and you usually get the option to also cover your children, partner or grandchildren on the policy. Most policies cap your travel time anywhere between 60 and 90 days, however, while some won’t let those over 64 years old take out an annual policy.

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

Yes – some providers will 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. International travel insurance policies have maximum durations of two years, while domestic policies can run for three months. Your provider will need to approve your extension and they may require you to pay an additional premium. If you need to extend your stay because of injury or illness, some providers will extend your coverage for free.

Is the travel insurance process 100% online?

Yes – the travel insurance process is entirely web-based, allowing you to apply from your laptop or smart device. You can compare, provide the necessary details, get a quote and purchase your policy all from the comfort of your home or whilst on the move.

How do I make a claim?

Claiming your travel insurance provider is relatively straightforward. If something unexpected occurs, gather your supporting documents (such as a police report and/or medical certificate) and contact the claims team. Fill in the claims form with plenty of detail, hand over your documents and submit your claim. It’s also handy to double-check you’re covered for the incident you’re claiming for before you take the time to fill out your claim.