Travel insurance

We collected premiums for two travellers: a 45-year-old and a 70-year-old. The premiums listed are for comprehensive policies and were collected in November 2024, for journeys starting in July 2025. They do not include multi-policy discounts.

• Neither traveller has a pre-existing medical condition.
• Neither traveller will work while overseas.
• Neither traveller wants additional cover for adventure activities, nor rental vehicle excess beyond what’s built into the policy.
• Both travellers opted for the excess closest to $100.
• Both travellers want at least $5000 of pre-departure cancellation cover (except for their one-week break in Australia, where they want a minimum of $2000).

Underwriter

Financial strength

Contact

Excess

Oldest age covered

Cooling-off period (before departure)

Cancellation prior to departure

Returning home (in case of emergency)

Alternative accommodation expenses (in case of unexpected event)

Alternative travel expenses (in case of missed connection)

Medical expenses and evacuation

Emergency dental

Luggage and personal effects

Delayed luggage

Computers

Mobile phones

Theft of cash

Personal liability

Rental car excess

Notes