Travel insurance basics
Travel insurance can cover medical costs, cancellations, lost luggage and more — but every policy is different. The details in the policy wording matter more than the price.
What policies often cover
- Emergency medical treatment and evacuation overseas
- Cancelling or cutting short your trip for covered reasons
- Lost, stolen or delayed luggage
- Personal liability
What people often miss
- Pre-existing medical conditions — declare them, or you may not be covered.
- Activities such as skiing, scuba diving or riding a motorbike may need extra cover.
- Excess: the amount you pay yourself on each claim.
- Some policies exclude certain destinations or situations — read the exclusions.
This is general information, not advice about any particular policy. Read the product disclosure statement or policy wording and ask the insurer if anything is unclear.
Free tools that help
Travel insurers
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Frequently asked questions
Do I need travel insurance?
Some countries and visas require it, and medical treatment abroad can be very expensive. Many governments recommend it for every overseas trip.
Does my credit card include travel insurance?
Some cards include cover, often with conditions such as paying for the trip with that card. Check the card’s policy wording carefully.