What Do I Need for Travel Insurance?

Compare with Savvy and find out what you need to purchase travel insurance for your holiday.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Knowing what details you need to provide when purchasing your travel insurance policy can save you a heap of time when you’re planning a trip. If you’re scratching your head wondering what information or documents you need to supply, Savvy can help you out.

You can find out what information you need to purchase a policy when you compare with us, taking the guesswork out of the process. Consider your options with Savvy today and learn what you need to buy travel insurance today.

What information do I need to provide to buy a travel insurance policy?

Part of purchasing travel insurance is telling your insurer a bit about yourself and the trip you’re planning to take. This allows them to tailor the price of your policy to the type of trip you want to take. When you settle on a policy, you will need to provide your travel insurer with the following details:

  • Travel information: you’ll need to provide your insurer with your departure and return dates and the list of countries or locations you need coverage in. This includes any countries you’re stopping over in briefly.
  • Your details: you’ll be required to provide all travellers' names and birth dates so your insurer can accurately provide you with a price for comprehensive and basic cover. If you’re a senior traveller over 65, you may have to pay a higher premium to take out travel insurance.
  • Pre-existing conditions: insurance companies require you to disclose whether you suffer from any pre-existing conditions when you take out a policy. In most cases, you’ll be covered for a slew of minor issues such as asthma and certain types of diabetes. However, you might have to pay a higher excess if you need cover for a more serious condition such as multiple sclerosis or non-terminal cancer.
  • COVID-19 vaccination status: many travel insurance providers require you to disclose if you have received two doses of a COVID-19 vaccine. Being fully vaccinated is a requirement for entry to many countries, including if you want to travel to America.
  • Any extra coverage: Most insurers will ask you if you need coverage for optional extras such as skiing, riding a motorcycle or scuba diving while on holiday in Bali, for instance. These recreational activities aren’t covered under your standard policies and require you to pay a higher premium to be covered.

Once you’ve provided all these details, you’ll receive a quote for your travel insurance. If everything looks okay, you can go ahead and purchase your policy with just a few clicks online or by phoning your chosen insurance provider.

What details do I need to submit for a travel insurance claim?

Making a claim online or over the phone is relatively straightforward with most travel insurance companies. If you’re already overseas, you can process a claim not long after the incident happens.

When you’re making a claim, you will need to provide some information to your insurance company. This will usually include:

  • Policy information: you’ll need to enter your policy number and the email which is attached to it to get the ball rolling on your insurance claim.
  • Claim details: all travel insurance providers require you to complete a claim form, which allows you to provide information about the incident you’re claiming for. It’s recommended you provide plenty of detail, as this will reduce the likelihood of your insurer needing to do follow-up calls for clarification, which could delay the claim process and hold being approved.
  • Attach your documents: travel insurance companies will require evidence to back up your claim, which can include documents such as proof of purchases, receipts or police and medical reports. For example, if you’re claiming for cash stolen on holiday in Sweden, you will need to attach the report you filed with local police, your airline or hotel to have your claim considered.

Once you’ve provided all the necessary details, you can go ahead and submit your claim. Most insurers will tell you it can take up to ten working days to process a claim and for you to receive your coverage. That’s why it’s best to submit your claim as soon as possible, both to speed up the reimbursement of your funds and also so the details of the incident remain fresh in your mind.

How do I find the best type of insurance to suit my travel needs?

Comparing travel insurance policies is the best way to find one which suits your holiday plans. When you compare with Savvy, you can request quotes from our partner providers, do a side-by-side comparison between them to see who offers the most benefits and then weigh up the costs.

You should also consider the following when you’re doing your homework and searching for the perfect policy:

Think about what you’re doing on holiday

Potentially risky activities such as scuba diving, rock climbing and skiing are often excluded from standard basic and comprehensive policies, so you’ll more than likely need to pay extra if you’re thinking of taking a walk on the wild side. It’s also worth checking if your policy automatically covers you for the excess on a rental car if you’re planning to get around your destination on four wheels.

Consider your age and health

How old you are and the health conditions you suffer will largely determine the type of cover you need for your holiday. Most policies include age limits, which start from 65 and range right up to 130. They also include automatic cover for a string of pre-existing conditions, but you may have to pay a higher excess if your illness isn’t included.

Work out what you’re taking

Cameras, smartphones and other high-priced gadgets are often essential parts of travel. As such, when you’re shopping around for the perfect travel insurance policy, it’s best to make sure they are covered. Make sure you check the sub-limits and excesses on your policy are sufficient for what you’re taking with you. Excesses on certain policies can be more than the value of the items you’re taking, so it may be worth paying a little extra to remove it.

Compare with Savvy

Whether you’re heading off to Bali or the USA, Savvy can help you make an educated decision on your travel insurance by showing you what to compare, what to watch out for and how to find the right policy at the best price.

Got a question about buying travel insurance? We have the answers

When do I need to purchase my travel insurance policy?

There's no definite date on when you need to have your travel insurance sorted. You can get the same coverage on a policy if you buy it whilst already overseas. However, purchasing your cover is best as soon as you know your travel dates. That way, you get coverage for the maximum amount of pre-paid bookings, such as hotels, airfares and tours, if you need to cancel.

Which countries require me to have travel insurance?

While it's always wise to take out travel insurance before heading overseas, many countries require you to take out cover before you’re able to enter. These include:


While travel insurance to the USA isn't mandatory, most people will strongly encourage you to take out a policy before you leave. The country doesn't offer universal health care, so the out-of-pocket cost of medical treatment is exorbitant, which is one of the reasons why you need travel insurance.

What details do I need to provide if I buy cruise travel insurance?

The details you need to provide to purchase cruise-specific coverage are essentially the same as those you need to buy standard coverage. Cruise coverage is offered automatically on some policies and as an added extra on others.

How do I declare a pre-existing condition?

If you're one of the many Australians suffering an ongoing health condition, you must declare it when you purchase your travel insurance. To declare your pre-existing condition, most insurers will make you complete an online screening process, which includes providing the following details:

  • The name of your condition
  • Any medications you are taking
  • Changes to your treatment in the last three months
  • Your last visit to the doctor
  • Whether you’ve been admitted to hospital in the previous year
  • If you’re awaiting medical treatment or a consultation
Does my travel insurer pay my medical expenses upfront?

This usually depends on the cost of your medical treatment. In most cases, you'll need to pay your medical bills if they're under $2, 000, after which your insurer will reimburse you. If they exceed this amount, you should contact your insurer, who can arrange for payment to the hospital or practice where you're being treated.

What details do I need to share to add dependents to my policy?

If you include dependents on your policy, you’ll need to provide the exact details, such as their age, date of birth and any pre-existing conditions they suffer, when you take out the policy. Keep in mind that there are conditions on adding dependents for free to your travel insurance.

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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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