Butter Travel Insurance

Butter Travel Insurance is an Australian online travel insurance brand that sells a single core policy with optional add-on packs, quoted from three questions, so get your quote, then buy through ShopBack before you pay: ShopBack Cashback works like a discount, only easier than a promo code. The policy is administered by battleface Insurance Services Pty Ltd (AFSL 536280) and underwritten by Pacific International Insurance Pty Ltd, and Butter says it covers travellers in 173 countries. Australians who click through from the ShopBack Butter Travel Insurance page before buying earn ShopBack cashback at the current published rate. For a deeper look, see Cover-More vs Fastcover vs World Nomads AU 2026: Travel Insurance 3-Way.

Butter publishes that its travel insurance is administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280), also trading as Robin Assist, and underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193). Butter Insurance Pty Ltd acts as battleface's authorised representative. Claims are lodged online inside your Butter account and emergency assistance runs around the clock. ShopBack has no role in the policy itself; it only tracks the purchase so you can earn Cashback on the premium. For a deeper look, see Cover-More vs InsureandGo vs Tick vs 1Cover: travel insurance Australia 2026.

Travel insurance is priced on age, destination, trip length and chosen limits rather than seasonal sales, so Butter has no Boxing Day style calendar. Timing matters on the ShopBack side: ShopBack periodically upsizes the Butter cashback rate, and the ShopBack Butter page shows both the standard and upsized figure when that happens. Buy your policy as soon as you pay a non-refundable deposit on the trip so cancellation cover starts early, and check the ShopBack page the same day.

Butter applies a $250 fixed excess to medical, cancellation and luggage claims, and a $0 excess to travel delay, personal accident, personal liability and every add-on pack, including ski and snow, boat and cruise, motorcycle and moped, rental car excess and pet boarding. The excess is per claim, and limits, conditions and sub-limits in the Product Disclosure Statement govern. ShopBack Cashback on Butter confirms after about 90 days.

Cover-More is a long-established Australian travel insurer, while Butter sells one core policy plus add-on packs, quoted from three questions online. Butter's distinctive points are the $0 excess on add-ons, the $250 fixed excess elsewhere, and the fully online claims account. For a complex medical history, get both quotes and read both PDS documents, and see our Cover-More comparison guide for the detail. Only the Butter purchase tracks through the ShopBack Butter Travel Insurance page unless Cover-More is also listed on ShopBack at the time.

Fast Cover is another online Australian travel insurer, so the comparison comes down to add-on terms. Butter's snow, cruise and motorcycle packs carry a $0 excess and its rental car excess pack covers up to $6,000; line those figures up against Fast Cover's equivalent options and excess choices. Check age limits and activity definitions in each PDS before deciding, because snow sport and cruise definitions differ between insurers. Whichever you choose, click through from the relevant ShopBack merchant page before you pay, then buy the policy as normal.

Yes. Butter states that children travelling with you are covered under your policy for a nominal charge up until the age of 18, so a family trip is quoted as one policy rather than one per person. Add the children at quote time so they appear on the Certificate of Insurance. ShopBack cashback tracks on the total premium you pay for that single policy.

Butter includes cover as standard for emergency medical expenses caused by COVID-19 while travelling, and offers an optional extension so cancellation and trip interruption claims caused by COVID-19 are also covered. The optional extension is selected at quote time and changes the premium, and ShopBack cashback tracks on whatever premium you finally pay. Claims are paid up to the amount on your Certificate of Insurance and subject to the policy terms.

Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. On your phone, open Butter Travel Insurance from the ShopBack app and finish the quote and payment there.

That includes a refund during the cooling-off period. If you need to change your cover, make the change through your Butter account rather than buying a second policy.