Cover-More vs InsureandGo vs Tick vs 1Cover: travel insurance Australia 2026

Australian travellers in 2026 face a paradox: overseas travel is at post-pandemic highs, and yet travel insurance is still a category where most people either overpay for cover they will not use or under-buy and end up with catastrophic gaps. Cover-More, InsureandGo, Tick, and 1Cover are four of the names most Australians compare, and they position on genuinely different value axes. This is a comparison of four insurers, not a race to the cheapest premium.

The verdict

For Australian travellers in 2026, Cover-More is the strongest fit for those already booking through Flight Centre or airline distribution channels, and for travellers with pre-existing medical conditions where its comprehensive assessment process reliably captures cover. InsureandGo is the Comprehensive-tier competitor on value, well-regarded on medical evacuation cover and general trip disruption. Tick is the online-first choice for straightforward standard trips, with a clean sign-up flow and competitive prices for healthy adults on short trips. 1Cover competes on higher medical limits and cover suited to older travellers and comprehensive trips. Cover-More, InsureandGo, and Tick are ShopBack Australia partners; 1Cover is not currently listed on the ShopBack Australia merchant directory. The overriding rule: read the Product Disclosure Statement for the specific plan you buy, verify overseas medical cover is unlimited on your chosen tier, and disclose pre-existing conditions accurately.

💡 Compare travel insurance and earn cashback on ShopBack Two-minute quote. Cashback tracks on eligible new policies.

Earn cashback on eligible travel insurance sign-ups: Cover-More · InsureandGo · Tick Travel Insurance

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The four factors that decide travel insurance value

Australian travel insurance in 2026 turns on four structural factors, and the "which insurer" answer flips depending on which apply to your trip.

Overseas medical and evacuation cover is by far the most important. Overseas medical costs in the United States, Japan, and much of Europe can quickly climb into five and six figures for a serious event. Australia has reciprocal Medicare agreements with a limited set of countries (Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden, and the United Kingdom). Reciprocal Medicare does not extend to Indonesia (Bali), Thailand, Japan, the United States, or most Asia-Pacific destinations. Comprehensive-tier plans from Cover-More, InsureandGo, Tick, and 1Cover typically offer unlimited or very high overseas medical limits, plus medical evacuation and repatriation. Basic tiers offer capped medical (often AUD 250,000 to AUD 1 million), which can be inadequate for a serious event.

Cancellation and interruption cover matters most on high-value pre-paid trips. A family of four booking a AUD 15,000 Northern Europe river cruise 12 months in advance carries a substantial cancellation exposure. Cover-More, InsureandGo, Tick, and 1Cover all offer cancellation cover, with policy limits ranging from AUD 5,000 to unlimited depending on tier. Reading the specific list of covered cancellation reasons on the PDS is essential: covered reasons commonly include illness, injury, death of family member, jury service, and specified natural disasters, but not "changed my mind" or "flight schedule change without provider default."

Pre-existing medical conditions are the largest source of Australian travel insurance disputes. All four insurers automatically cover a defined list of common, stable conditions (often controlled asthma, controlled hypertension, controlled hypercholesterolaemia, controlled thyroid conditions) at no extra premium, but non-standard conditions require a medical assessment during quoting. Assessment outcomes range from covered at no extra premium, covered with additional premium, condition excluded, or in some cases decline. Failure to disclose can void the entire policy, so accurate disclosure at quote time is critical. Cover-More's medical assessment process is particularly well-developed.

Add-ons for specific activities determine whether your policy actually covers your trip. Cruise cover, snow sports cover, adventure activities, higher rental vehicle excess reduction, and specific hazardous sports each require dedicated add-ons on most Australian policies. A ski trip to Niseko without snow cover is a policy that will not pay if you fracture something on the slopes. A cruise to the South Pacific without cruise cover is a policy that will not pay for onboard medical or missed port days.

So the underlying question is not "which insurer is best" in isolation. It is "which insurer's Comprehensive tier plus the specific add-ons matches my trip, my health, and my exposure."

Compare travel insurance sign-up cashback across partners: Cover-More · InsureandGo · Tick Travel Insurance

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Cover-More: the distribution and pre-existing specialist

Cover-More is one of the largest Australian travel insurance brands by policies sold, distributed heavily through Flight Centre stores and airline partnerships, and part of the Zurich Insurance Group since its 2017 acquisition. Its scale and integration into travel agent bookings make it the natural default for travellers who book packages through agents or via airline websites.

Cover-More is a strong fit for travellers with pre-existing medical conditions, thanks to a well-developed medical assessment process during quote. It is also a strong fit for travellers booking through Flight Centre, Qantas, or partner airline channels where Cover-More is the recommended in-flow insurer. Its Comprehensive plan typically offers unlimited overseas medical, comprehensive cancellation cover, and add-ons for cruise, snow, and adventure activities.

Indicative 2026 Cover-More Comprehensive-tier premiums for a healthy Australian adult under 50 sit at roughly AUD 65 to AUD 130 for a 7-day trip to Bali or Thailand, AUD 100 to AUD 180 for a 14-day trip to Japan (add AUD 40 to AUD 80 for snow cover), and AUD 130 to AUD 260 for a 14-day trip to the United States. Annual multi-trip Comprehensive Asia-Pacific plans sit around AUD 260 to AUD 480 depending on age and cover tier.

Where Cover-More is a weaker fit: healthy travellers on tight budget for standard short trips, where Tick or InsureandGo can be materially cheaper for equivalent overseas medical cover.

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InsureandGo: the comprehensive-tier value competitor

InsureandGo is an Australian direct-to-consumer travel insurance brand with a strong online sign-up flow and a reputation for competitive Comprehensive-tier pricing. It has been operating in the Australian market for many years and consistently appears in comparison tables for value across cover tiers.

InsureandGo is a strong fit for online-first travellers who want Comprehensive-tier cover at value pricing, without going through a travel agent. Its Comprehensive plan typically offers unlimited overseas medical and evacuation, comprehensive cancellation cover, and standard add-ons. It is often quoted competitively against Cover-More at Comprehensive tier for standard trips.

Indicative 2026 InsureandGo Comprehensive-tier premiums for a healthy Australian adult under 50 sit at roughly AUD 55 to AUD 120 for a 7-day trip to Bali or Thailand, AUD 95 to AUD 170 for a 14-day trip to Japan, and AUD 120 to AUD 240 for a 14-day trip to the United States. Annual multi-trip Comprehensive plans sit around AUD 240 to AUD 460 depending on age and cover tier.

Where InsureandGo is a weaker fit: travellers with complex pre-existing medical conditions where Cover-More's assessment process may be more thorough, and travellers who need in-person adviser guidance on cover choice (InsureandGo is online-first).

Save on Australian travel: Cover-More · InsureandGo

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Tick: the online-simple choice

Tick Travel Insurance is an Australian direct-to-consumer brand with a strong online-only positioning. It targets straightforward standard trips (short-to-medium overseas trips, healthy adults, no complex add-ons) with a fast quote-and-buy flow.

Tick is a strong fit for healthy adults booking a standard 7-to-14-day overseas trip online, where a fast sign-up flow and competitive premium matter more than nuanced advice. Its Comprehensive plan typically offers unlimited overseas medical and evacuation on eligible tiers, comprehensive cancellation cover, and cruise plus snow add-ons available.

Indicative 2026 Tick Top Cover premiums for a healthy Australian adult under 50 sit at roughly AUD 50 to AUD 115 for a 7-day trip to Bali or Thailand, AUD 90 to AUD 165 for a 14-day trip to Japan, and AUD 115 to AUD 235 for a 14-day trip to the United States. Annual multi-trip Top Cover plans sit around AUD 230 to AUD 450 depending on age.

Where Tick is a weaker fit: older travellers with pre-existing conditions, where 1Cover or Cover-More may be more competitive on medical-heavy cover, and travellers with complex add-on needs (extreme sports, advanced snow cover) where specialist insurers may be more comprehensive.

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1Cover: the medical-heavy comprehensive positioning

1Cover Travel Insurance is an Australian direct-to-consumer brand positioning on higher medical limits and comprehensive cover suited to older travellers, longer trips, and higher trip values. It sits toward the more comprehensive end of the market on face-value cover attributes.

1Cover is a strong fit for older travellers (particularly 60+), long-trip travellers (30+ day trips), and higher-cost trips where the incremental cost of higher cover limits is worthwhile. Its Comprehensive Plus tier typically offers unlimited overseas medical, higher cancellation limits, and comprehensive add-on availability.

Indicative 2026 1Cover Comprehensive-tier premiums for a healthy Australian adult under 50 sit at roughly AUD 60 to AUD 130 for a 7-day trip to Bali or Thailand, AUD 100 to AUD 180 for a 14-day trip to Japan, and AUD 130 to AUD 260 for a 14-day trip to the United States. Annual multi-trip Comprehensive plans sit around AUD 250 to AUD 490 depending on age.

Where 1Cover is a weaker fit: healthy adults on standard trips looking for lowest premium, where Tick or InsureandGo may be cheaper. 1Cover is not currently listed as a ShopBack Australia partner, so cashback stacking is not available on 1Cover sign-ups at the time of writing.

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Head-to-head: Cover-More vs InsureandGo vs Tick vs 1Cover

The table below shows indicative 2026 Comprehensive-tier characteristics for a healthy Australian adult aged 35 on a 10-day trip. Premium ranges are indicative and change with age, health, cover tier, add-ons, and destination. Always run a current quote for your specific trip. All values in AUD.

Attribute	Cover-More	InsureandGo	Tick	1Cover
Ownership / underwriter	Cover-More Group (Zurich subsidiary)	Nib Travel Services (underwriter varies by product)	Underwritten via partner insurer	Underwritten via partner insurer
Primary channel	Flight Centre, airlines, online, direct	Online, direct	Online, direct	Online, direct
Comprehensive-tier premium (10-day Bali, healthy 35)	AUD 80 to AUD 145	AUD 65 to AUD 130	AUD 60 to AUD 125	AUD 75 to AUD 145
Comprehensive-tier premium (14-day Japan, healthy 35)	AUD 100 to AUD 180	AUD 95 to AUD 170	AUD 90 to AUD 165	AUD 100 to AUD 180
Comprehensive-tier premium (14-day US, healthy 35)	AUD 130 to AUD 260	AUD 120 to AUD 240	AUD 115 to AUD 235	AUD 130 to AUD 260
Annual multi-trip Asia-Pacific (healthy 35)	AUD 260 to AUD 480	AUD 240 to AUD 460	AUD 230 to AUD 450	AUD 250 to AUD 490
Overseas medical (Comprehensive tier)	Unlimited on eligible plans	Unlimited on eligible plans	Unlimited on eligible plans	Unlimited on eligible plans
Cancellation cover	Comprehensive tier typically unlimited	High limits or unlimited on Comprehensive tier	High limits on Top Cover tier	High limits or unlimited on Comprehensive Plus tier
Pre-existing conditions assessment	Well-developed	Standard process	Standard process	Standard process
Cruise cover add-on	Yes	Yes	Yes	Yes
Snow cover add-on	Yes	Yes	Yes	Yes
Adventure activities add-on	Yes	Yes	Yes	Yes
Age cap for new policies	Up to 79 typical (varies)	Up to 89 typical (varies)	Up to 75 typical (varies)	Up to 100+ on select plans
Domestic-only plans available	Yes	Yes	Yes	Yes
ShopBack cashback partner (AU)	Yes (cover-more-travel-insurance)	Yes (insureandgo)	Yes (tick-travel-insurance)	Not currently listed

Ranges above are indicative and were sighted against publicly advertised plan structures in mid-2026. Premiums vary by insurer, age, health, cover tier, add-ons, and specific trip details. Always run a formal quote for your trip. All four insurers publish a Product Disclosure Statement; read the PDS in full for exclusions, waiting periods, and claim procedures before signing.

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Cover-More vs InsureandGo vs Tick vs 1Cover by trip type

Trip type	Best fit	Why
Bali or Thailand short trip, healthy adult under 50	Tick or InsureandGo	Standard cover, fast online sign-up, competitive premium
Japan ski trip (with snow cover)	Cover-More or InsureandGo	Comprehensive snow add-on, unlimited medical, evacuation cover for backcountry incidents
US or Canada 2-week trip	Cover-More or InsureandGo	US medical costs demand unlimited overseas medical; assess add-ons for rental car excess and adventure activities
Europe trip (multiple countries)	Cover-More or 1Cover	Long-trip comfort, high cancellation cover for pre-paid tour costs, multi-country coverage
Cruise (South Pacific or Alaska)	Cover-More or 1Cover with cruise add-on	Cruise cover add-on essential for onboard medical, missed port days, evacuation from ship
Annual multi-trip Asia-Pacific	Compare Tick, InsureandGo, Cover-More	Any of the three can be cost-effective; run same-parameter quotes on all three
Long-stay travel (60+ days overseas)	Cover-More or 1Cover	Longer per-trip duration caps; check policy for maximum trip length
Traveller aged 65+	Cover-More or 1Cover	Age caps and pre-existing condition handling more accommodating
Traveller with complex pre-existing conditions	Cover-More	Well-developed medical assessment process, more likely to cover complex conditions
Adventure or high-altitude trekking	InsureandGo or Cover-More with adventure add-on	Specific add-on required; some activities may need specialist policy
Domestic-only interstate trip	Any of the four (cheapest wins)	Domestic-only plans cover cancellation and luggage; medical is Medicare-covered in Australia
Family with two adults plus two kids	Cover-More or Tick family plan	Family plans typically bundle at discount vs individual policies for children

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Overseas medical is the number-one product feature

Everything else is secondary if the overseas medical cover fails when you need it. Two lessons Australians consistently learn the hard way:

Reciprocal Medicare is limited. Australia has reciprocal healthcare arrangements with a specific list of countries: Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden, and the United Kingdom (verify current list against Smartraveller before travelling, as arrangements can change). Reciprocal Medicare does not include Indonesia, Thailand, Japan, the United States, or most of Asia and the Middle East. Bali motorbike accidents, Japan ski injuries, Thailand food poisoning, and US emergency-room visits are among the most common expensive claims filed by Australian travellers, and all four occur in non-reciprocal jurisdictions.

Repatriation is where costs balloon. Medical evacuation from a remote overseas hospital back to Australia can cost AUD 100,000 to AUD 400,000+ depending on destination, aircraft type, and medical escort requirements. This is not a discretionary spend when a serious event happens; it is a real cost that comprehensive travel insurance is designed to cover. If your policy has a capped or limited evacuation benefit, verify it will actually cover realistic evacuation costs from your destination before travelling.

Common overseas medical claim types Australians face:

• Motorbike or scooter accidents (Bali, Thailand, Vietnam): very high frequency, often expensive orthopaedic
• Ski or snowboard injuries (Japan, Canada, Europe): orthopaedic, sometimes requiring specialist repatriation
• Food-borne illness requiring hospitalisation (Southeast Asia): moderate to high cost
• Cardiac events overseas (all destinations, older travellers particularly): very high cost, often requires evacuation
• Serious road accidents (car, taxi, public transport): variable cost, often requires ICU care and evacuation
• Onboard cruise medical events: very high cost, add cruise cover
• COVID-19 or other respiratory illness abroad: cover has evolved post-pandemic; verify current PDS

The cheapest travel insurance policy that fails on any of these claims is not cheap; it is negligent. Buy Comprehensive tier with unlimited overseas medical for all non-reciprocal destinations. This is not a category to save AUD 30 on.

Compare Comprehensive-tier cover across ShopBack Australia travel insurance partners: Cover-More · InsureandGo · Tick Travel Insurance

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What it looks like in practice

Three concrete 2026 scenarios in AUD.

Concrete example one: a Sydney couple, both 40, non-smokers, going to Niseko for a 10-day ski trip with a AUD 12,000 pre-paid package. Cover needed: Comprehensive tier with snow add-on covering piste and off-piste. Indicative premiums: Cover-More AUD 220 to AUD 360 for the couple including snow cover, InsureandGo AUD 200 to AUD 340, Tick AUD 190 to AUD 330. All three offer unlimited overseas medical and comprehensive cancellation. The couple picks Cover-More for the well-known snow add-on plus their existing Flight Centre booking, activates ShopBack at shopback.com.au/cover-more-travel-insurance for a cashback stack, and confirms the snow cover includes piste and off-piste.

Concrete example two: a Melbourne single, 68, non-smoker, mild controlled hypertension, going to Italy for a 21-day trip with pre-paid tours. Reciprocal Medicare applies in Italy, but standard travel insurance is still strongly recommended for evacuation, cancellation, and non-reciprocal medical costs. Cover needed: Comprehensive tier with pre-existing condition assessment. Indicative premiums: Cover-More AUD 260 to AUD 480 with age loading and mild condition disclosure, 1Cover AUD 250 to AUD 490 (not on ShopBack cashback), InsureandGo AUD 240 to AUD 460. The single picks Cover-More for the pre-existing assessment strength and stacks the ShopBack cashback.

Concrete example three: a Brisbane family of four (two adults 42, two kids 8 and 11), going to Bali for a 12-day trip. Cover needed: Comprehensive family tier with adventure activities add-on (motorbike scooter exclusion is a common gotcha; usually excluded unless specifically included on higher tiers and a valid Australian motorcycle licence held). Indicative premiums: Tick family AUD 280 to AUD 480, InsureandGo family AUD 300 to AUD 500, Cover-More family AUD 320 to AUD 540. The family picks Tick for the fast online sign-up and family bundle, stacks the ShopBack cashback at shopback.com.au/tick-travel-insurance, and reads the PDS carefully on motorbike exclusion.

A practical cashback note: Cover-More, InsureandGo, and Tick Travel Insurance are ShopBack Australia cashback partners. 1Cover is not currently listed on the ShopBack Australia merchant directory at the time of writing. Cashback values on travel insurance sign-ups are typically flat-dollar amounts or a percentage of policy premium and vary by promo window. Cashback confirms 60 to 90 days after purchase, after the cooling-off period has closed. Check the merchant page for the current published rate.

Sign up to travel insurance with cashback: Cover-More · InsureandGo · Tick Travel Insurance

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When this does NOT apply

• Domestic-only travel with rental car: Medicare covers Australian medical costs. A domestic policy focuses on cancellation and luggage; some travellers self-insure on domestic trips.
• Reciprocal Medicare destination and no pre-paid cost: for a short trip to the UK, New Zealand, or Italy with no substantial pre-paid tours, some travellers accept the reciprocal Medicare coverage as sufficient. Even so, evacuation costs are not covered by reciprocal Medicare; travel insurance is strongly recommended.
• Trip already covered by premium credit card benefits: some Australian premium credit cards (Amex Platinum, Amex Ultimate, some Westpac Altitude Black, ANZ Rewards Black, CBA Diamond, NAB Signature) include complimentary travel insurance for trips purchased on the card. Verify current benefit terms with the card issuer; complimentary cover has age caps, trip length caps, and specific activation requirements. Do not assume this replaces standalone travel insurance for complex trips.
• You are extending an existing overseas stay: standard Australian travel insurance is for trips originating from Australia. Extensions or purchases while already overseas are typically not available, or are subject to waiting periods. Plan cover before departure.
• You are already overseas and not returning to Australia in the near term: travel insurance is not the right product; expat health insurance or overseas medical insurance is.
• You are travelling for high-risk work or professional sport: standard travel insurance excludes professional sport, high-risk occupations, and some volunteer medical work. Specialist policies exist for these use cases.
• You are on a One Way ticket without a return: some insurers exclude one-way travel; verify with the specific insurer before assuming cover.
• Working Holiday visa (417 or 462) in another country: Australian travel insurance may not be the right product depending on stay length and activity. Working Holiday Insurance products exist; check the specific insurer.

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Frequently asked questions

Which is the best travel insurance in Australia in 2026: Cover-More, InsureandGo, Tick, or 1Cover?

There is no single best travel insurance across every Australian trip in 2026. Cover-More is the go-to for travellers booking through Flight Centre or airline channels, with strong pre-existing condition assessment. InsureandGo positions on comprehensive Comprehensive-tier cover at competitive prices and is well-regarded for medical evacuation cover. Tick markets on straightforward online sign-up and is well-priced for standard trips. 1Cover positions on higher medical limits and comprehensive cover for older travellers. The right choice depends on trip length, destination risk, age, and whether you need pre-existing condition cover.

What does Australian travel insurance actually cover?

Standard Australian travel insurance covers overseas medical and hospital expenses (typically unlimited on Comprehensive tiers), medical evacuation and repatriation, trip cancellation and interruption, luggage and personal effects, personal liability, and 24-hour emergency assistance. Optional add-ons commonly include cruise cover, snow sports cover, adventure activities, higher rental vehicle excess reduction, and cover for specific pre-existing conditions after medical assessment. Domestic-only plans typically exclude medical (since Medicare covers you in Australia) and focus on cancellation and luggage.

Do I need travel insurance for Bali, Thailand, or Japan from Australia?

Strongly recommended. Australia has reciprocal Medicare arrangements with some countries (Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden, United Kingdom) but not with Indonesia, Thailand, Japan, the United States, or most Asian and non-European destinations. Overseas medical without insurance in these countries can run into six figures for serious events. Smartraveller (the DFAT travel advisory service) recommends travel insurance for all overseas travel. Bali motorbike accidents and Japan ski injuries are among the most common Australian traveller claims.

Should I get a single trip or annual multi-trip travel insurance policy?

For Australians taking two or more international trips in a 12-month period, annual multi-trip policies usually beat single trip policies on total cost, sometimes by 30% to 60%. Annual multi-trip has per-trip duration caps (commonly 30 to 45 days per trip) and often has a cheaper premium for the second and third trips within the year. If you only travel once a year, single-trip is usually cheaper on face value. Compare quotes on both structures for your actual planned travel pattern.

How are pre-existing medical conditions handled on Australian travel insurance?

Most Australian travel insurers automatically cover a defined list of stable, common conditions (often controlled asthma, controlled high blood pressure, controlled high cholesterol, controlled thyroid conditions) at no extra premium. Other pre-existing conditions require a medical assessment during quoting, which may result in additional premium, exclusion of the condition, or in some cases decline of cover. Failure to disclose a pre-existing condition can void the entire policy. Cover-More, InsureandGo, Tick, and 1Cover all offer medical assessment for non-standard pre-existing conditions.

How much does travel insurance cost in Australia in 2026?

Premiums vary by destination, trip length, age, cover tier, and add-ons. Indicative 2026 single-trip Comprehensive-tier premiums for a healthy Australian adult under 50 range from roughly AUD 45 to AUD 120 for a 7-day trip to Bali or Thailand, AUD 90 to AUD 200 for a 14-day trip to Japan (higher with snow cover added), AUD 120 to AUD 260 for a 14-day trip to the United States, and AUD 20 to AUD 60 for a 5-day domestic trip within Australia. Annual multi-trip Asia-Pacific plans sit around AUD 220 to AUD 500 depending on cover tier and age.

Does travel insurance cover cruise and snow trips?

Not by default. Standard Australian travel insurance policies typically exclude cruise cover (which needs a separate cruise add-on covering onboard medical and missed port days) and snow sports cover (which needs a separate snow add-on covering piste-only skiing and snowboarding by default). Off-piste, heli-skiing, and racing usually require higher-tier snow add-ons or specialist policies. Cruise cover is particularly important because onboard medical evacuation can run into six figures and is not covered on a standard policy.

Can I earn cashback on Cover-More, InsureandGo, or Tick at ShopBack Australia?

Yes. Cover-More is a ShopBack Australia partner, InsureandGo at shopback.com.au/insureandgo, and Tick Travel Insurance at shopback.com.au/tick-travel-insurance. Activate ShopBack before clicking through, complete the purchase in one session, and cashback tracks on eligible new policies at the current published rate. 1Cover is not currently listed as a ShopBack Australia partner at the time of writing. Check the merchant pages for the current published cashback rate before purchase.

Does travel insurance cashback apply to annual multi-trip policies?

Generally yes for eligible partners, but the cashback structure may differ between single-trip and annual multi-trip policies. Some insurers cap the cashback amount on annual multi-trip at a flat dollar figure, or apply a different percentage rate. Cashback typically confirms 60 to 90 days after purchase, after the cooling-off period and any refund window has closed. Read the current terms on the merchant page for each insurer before purchase.

Where can I check current cashback rates for Australian travel insurance?

The current published cashback amount is on the ShopBack Australia merchant page for the specific insurer. Cover-More at shopback.com.au/cover-more-travel-insurance, InsureandGo at shopback.com.au/insureandgo, and Tick Travel Insurance at shopback.com.au/tick-travel-insurance. Sign in to your ShopBack account first, then click Shop Now to open the insurer in a fresh session and complete the purchase without leaving the tab. Travel insurance cashback is separate from any early-bird or seasonal discount the insurer runs directly.

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Key takeaways

• Cover-More is the strongest default for Flight Centre or airline-booked trips and for pre-existing condition assessment
• InsureandGo is the Comprehensive-tier value competitor with strong medical evacuation cover
• Tick is the online-first choice for straightforward trips and healthy adults
• 1Cover positions on higher medical limits and older-traveller cover
• Cover-More, InsureandGo, and Tick are ShopBack Australia cashback partners; 1Cover is not currently listed
• Overseas medical cover is the single most important feature; buy Comprehensive tier for all non-reciprocal destinations
• Reciprocal Medicare covers only 11 countries; Bali, Thailand, Japan, and the US are NOT included
• Repatriation costs can reach AUD 100,000 to AUD 400,000+; capped evacuation cover is a real risk
• Pre-existing conditions require accurate disclosure; failure to disclose can void the entire policy
• Cruise and snow cover require specific add-ons on top of standard policies

💡 Once you've chosen a policy, check current travel insurance cashback on ShopBack and stack it on top of any early-bird discount.

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Sources

• Smartraveller: Department of Foreign Affairs and Trade travel advice
• ASIC Moneysmart: Travel insurance
• Insurance Council of Australia: General Insurance Code of Practice

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Travel insurance premiums, cover levels, exclusions, add-on availability, pre-existing condition assessment, cruise and snow cover terms, and age caps are subject to change and depend on individual traveller circumstances, destination, trip length, and specific plan chosen. Always read the current Product Disclosure Statement and Target Market Determination for the specific policy you are considering, and check current travel advice for your destination on Smartraveller before travelling. Prices in this article are indicative and were sighted in mid-2026.

This article is intended for general informational purposes only and should not be considered financial, legal, or medical advice.