Cheapest travel insurance Australia 2026

For most Australian travellers in 2026, the cheapest travel insurance quotes typically come from mid-tier providers pricing lean on short-haul, low-medical-limit trips (Fast Cover, Travel Insurance Direct, 1Cover) rather than from full-service brands like Cover-More or Allianz Global Assistance at the same benefit level. However, headline price and actual value are different questions: Cover-More includes unlimited overseas emergency medical expenses on its International Comprehensive tiers and automatic cover for a broad list of adventure activities, which cheaper Basic policies often cap or exclude. Quote the same trip across Cover-More, Allianz and InsureandGo at the same policy tier, then route through the ShopBack Australia Cover-More page before checkout for cashback on top.

Cover-More promo code Australia

Cover-More Australia typically issues its own promo codes around EOFY (late June), the traditional January travel-planning window, mid-year school holidays and Black Friday / Cyber Monday. Codes are usually applied at quote generation on covermore.com.au and often carry short expiry and per-trip limits. Third-party voucher codes pasted from unrelated sites can break ShopBack cashback tracking, so sticking to Cover-More's own official codes is generally safer for tracking, though stacking eligibility with cashback varies by promotion. Activate ShopBack Australia on the Cover-More page above before clicking through to covermore.com.au and verify tracking after purchase.

Cover-More vs Allianz vs InsureandGo Australia price

Cover-More, Allianz Global Assistance and InsureandGo all sit in the mid-to-premium tier of Australian travel insurance with broadly overlapping benefit structures on their comprehensive plans. Cover-More is Zurich-owned and typically leads on adventure activities included as standard and on senior age eligibility (up to age 99). Allianz Global Assistance often prices comparably on comprehensive Europe and US trips and pairs with credit-card-issued policies for existing customers. InsureandGo commonly quotes lower headline premiums on short-haul Asia trips but its Bronze / Silver tiers carry lower medical and cancellation limits than Cover-More Comprehensive. The reliable comparison is quoting the same trip dates, destinations and age band at matched benefit tiers on each site, then applying ShopBack Australia cashback on the winner.

Cheapest cruise travel insurance Australia

For Australians booking a cruise of two or more nights at sea, Cover-More requires the Cruise Cover add-on on top of an International policy; the add-on extends cover to onboard medical treatment, cabin confinement, missed port days and pre-paid shore excursions that a standard travel policy usually excludes. On price alone, InsureandGo, Fast Cover and NIB commonly quote cheaper headline cruise premiums, but Cover-More's Cruise Cover typically pairs with higher medical limits on the underlying Comprehensive plan. Quote the specific cruise (line, itinerary, cabin category, ages) across at least three providers at matched benefit tiers before deciding, and route through ShopBack Australia on the Cover-More page above for cashback on top.

Cheapest annual multi-trip travel insurance Australia

Annual multi-trip travel insurance in Australia usually breaks even against single-trip policies at around three or more overseas trips per year, particularly for travellers combining short business trips with a longer leisure holiday. Cover-More offers an annual multi-trip option with a maximum-days-per-trip cap that must be selected up-front (common caps sit at 30, 45 or 60 days per trip). Fast Cover, InsureandGo and 1Cover typically quote lower headline annual premiums, but Cover-More's Comprehensive annual pairs with unlimited overseas emergency medical expenses and its 24/7 Emergency Assistance line. Match the per-trip day cap and destination scope to actual travel patterns before locking in, then route through ShopBack Australia for cashback.

Cover-More Australia typically runs promotional windows across EOFY (mid to late June), the January travel-planning window and the November Black Friday / Cyber Monday period. EOFY promotions historically centre on a percentage-off promo code applied at quote on covermore.com.au and occasional bonus benefit tiers on Comprehensive plans. Sale participation and code depth vary year to year, so previewing the current Cover-More site and getting a quote a day before is a low-cost way to lock a price. Activate ShopBack Australia before clicking through to earn cashback on top of the sale-window premium.

Best time to buy travel insurance Australia

The general guidance for Australian travellers is to buy travel insurance as soon as a non-refundable deposit is paid on flights, accommodation or a tour, since cancellation cover only responds to unforeseen events that occur after the policy is purchased. Cover-More's cancellation cover on Comprehensive tiers is at a nominated sum insured that must be selected at purchase, so buying early also lets the cancellation limit protect the full trip cost. Sale-window pricing (EOFY, Black Friday, Cyber Monday) can lower the premium, but waiting for a sale means uninsured deposits in the interim. Activate ShopBack Australia before clicking through to Cover-More for cashback on the premium.

Cheapest travel insurance for Bali, Europe and US from Australia

Premium bands vary sharply by destination for Australian travellers. Bali and broader Southeast Asia typically quote at the lowest premiums with Fast Cover, InsureandGo and Cover-More Basic all commonly under mid-range on a two-week trip. Europe and the UK usually quote in the middle band, driven by higher medical costs and cancellation exposure on multi-city itineraries. The US and Canada consistently price at the top band because of US medical costs, so unlimited overseas emergency medical cover (as on Cover-More Comprehensive) usually justifies the higher premium for US trips specifically. Quote the exact dates and destinations on each site at matched benefit tiers, then apply ShopBack Australia cashback on the winner.

Cover-More adventure sports and snow cover

Cover-More Australia includes automatic cover for a broad list of adventure activities as standard on International policies (bungee jumping, canyoning, snorkelling, sandboarding and similar activities, plus a wide list of low-risk sports). Higher-risk activities require the Adventure Activities add-on, sold in two tiers, and snow sports require the separate Snow Sports Cover add-on, also available in two tiers depending on activities undertaken. Motorcycle and moped use requires its own add-on and typically depends on rider licence and engine capacity. Confirm exact activity coverage at quote on covermore.com.au before departure and route through ShopBack Australia for cashback.

What is Cover-More travel insurance

Cover-More is a major Australian travel insurance provider underwritten by Zurich Australian Insurance Limited and owned by Zurich Insurance Group. Its product range covers International Basic, International Comprehensive and International Comprehensive+ tiers, plus Domestic policies for travel within Australia and Inbound policies for visitors. Optional add-ons include Cruise Cover, Adventure Activities, Snow Sports and Motorcycle / Moped cover. Cover-More operates a 24/7 Emergency Assistance line for medical and travel emergencies overseas, with claims lodged online. Buying direct at covermore.com.au through ShopBack Australia adds cashback on top of Cover-More's own promotional pricing.

Cover-More is a legitimate Australian travel insurance provider. Policies are underwritten by Zurich Australian Insurance Limited, part of Zurich Insurance Group, one of the largest global insurers. Cover-More has operated in Australia for several decades and is one of the more widely distributed travel insurance brands in the market, sold direct at covermore.com.au and through travel-agency and airline partners. Product disclosure statements, target market determinations and financial services guides are published on the Cover-More Australia site as required by ASIC. Buying direct through ShopBack Australia earns cashback on top.

How does Cover-More medical cover work in Australia

Cover-More International Comprehensive and Comprehensive+ tiers include unlimited overseas emergency medical expenses, subject to a 12-month cap from the onset of the illness or injury and standard policy exclusions. The 24/7 Emergency Assistance line coordinates hospital admissions, medical evacuation and repatriation. Existing medical conditions require assessment at quote generation: some conditions are covered automatically at no additional premium, others require a medical screening and can be added for an additional premium, and some conditions may be declined depending on severity. Domestic policies do not cover medical expenses since Medicare and private health insurance apply within Australia. Verify conditions at quote before purchase.

Cover-More senior and family travel insurance

Cover-More Australia issues travel insurance to travellers up to age 99, which is a higher upper age band than many mid-tier competitors in the Australian market. Premiums scale steeply with age and existing medical conditions, so a screening at quote is essential for older travellers. Family policies cover up to 10 accompanying children under 21 who are financially dependent on the adult policyholder, at no additional premium per child on eligible plans. Confirm exact family definitions, age bands and dependency rules on the current Cover-More product disclosure statement at covermore.com.au before purchase.

How to activate cashback on Cover-More AU

To earn cashback on Cover-More Australia, sign in to ShopBack Australia, open the Cover-More Travel Insurance merchant page above, and click through to covermore.com.au. Complete the quote and purchase in the same browser session without switching to third-party voucher sites, and avoid pasting unsupported coupon codes at checkout since they can break cashback tracking. The current cashback rate is shown in the rate table on the ShopBack Cover-More page above.

How does Cover-More cashback tracking work

After clicking through to Cover-More Australia from ShopBack and completing a policy purchase, the order is submitted to ShopBack by the merchant and typically appears as pending cashback in the ShopBack Australia account within a few days. Cashback confirms after the 21-day cooling-off period and the merchant's own confirmation cycle. Travel insurance cashback is generally tracked against the premium paid at purchase; refunded or cancelled policies during the cooling-off period may reverse the pending cashback. Sticking to Cover-More's own official promo codes and completing checkout in the same session are the most reliable ways to protect tracking.

Insurance

Cover-More Travel Insurance

12% Cashback

5%

12.5% Cashback

	Upsized
Standard Cashback	12%	12.5%

Cashback timeline

Purchase

Tracked in

2 days

Confirmed in

75 days

Terms and exclusions

Exclusions

You won't get Cashback on:

Store promotions, discounts or special deals unless otherwise stated
Any Gift Card, Voucher or store credit purchase
Any Gift Card or Voucher redemption
Other loyalty programmes unless otherwise stated
Purchases made with Vouchers or Promo codes not featured on our platform
Taxes · Shipping and delivery

Any exceptions will be at the store's discretion.

Refunds, cancellations and no-shows

Any rejected, cancelled, refunded, exchanged or returned purchases will not be eligible for Cashback.

Tracking disclaimers

Your Cashback may be tracked at a different rate initially and adjusted to the correct rate when we confirm the transaction details.

Other terms and conditions

Cover-More Travel Insurance terms and conditions

On 14th-17th Aug, below Terms & Condition will apply:

10% discount is not available in conjunction with any other offer. The 10% discount will be applied to the total cost of the insurance policy purchased. Offer excludes Great Stay Product policies. Offer only available online at https://www.covermore.com.au/pay-your-way?promocode=TRAVEL10&utm_source=commission-factory&utm_medium=affiliate&utm_campaign=pay+your+way
from 00:00 AEST on 14/08/2025 to 23:59 AEST on 18/08/2025. The discount will only be redeemable by using the promo code TRAVEL10 at the time of purchase.
Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). For further information see Zurich’s financial strength rating. Any advice provided is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. Visit www.covermore.com.au for a copy of the Target Market Determination for our products.

ShopBack terms of use

Never miss Cashback on Cover-More Travel Insurance

Get instant alerts on Cashback when you shop online with the ShopBack extension.

Cashback tips

Remember to check T&Cs
Check carefully for Cashback exclusions and caps before you buy or book to avoid disappointment. Don't forget the terms and conditions on any promotion and campaign pages.

Restart from this platform every time
Complete your shopping in one go: Always start from this platform to visit the store directly, for every new transaction. If your store visit is interrupted by an app update or download screen, restart your shopping from our platform.

Don't use adblockers or click on other links
Don't click on any third party links or extensions or use VPN or adblocking software, as they could result in your Cashback not being tracked. Some examples include: Facebook ads, Google Ads, other loyalty or cashback extension links.

Empty shopping cart first
For Cover-More Travel Insurance, you need to clear your cart, close the Cover-More Travel Insurance app, open this platform to visit the Cover-More Travel Insurance app or website and complete your purchase there in order to earn Cashback. You need to do this for each purchase.

Restart from this platform if payment fails
If you encounter payment errors during your purchase, you should restart your visit to the Cover-More Travel Insurance from this platform to ensure that your Cashback continues to be tracked.

Accept all cookies from the store
Cover-More Travel Insurance can only confirm to us that a transaction is recorded if you accept all cookies that appear on their pages.

Shop and earn at similar stores

Solar Sumo

$14 Cashback

OVO Energy (Compare)

Upsized

OVO Energy (Compare)

Up to $160 Cashback

$80

Peoplecare via Compare Club

Up to $65 Cashback

Australian Unity via Compare Club

Up to $65 Cashback

Compare Club

Up to $65 Cashback

Compare The Market

Upsized

Compare The Market

Up to $245 Cashback

$100

Cover-More Australia travel insurance on ShopBack

Do subscription or recurring Cover-More Australia travel insurance on ShopBack purchases earn ShopBack cashback?

Cashback typically applies to the initial Cover-More Australia travel insurance on ShopBack subscription sign-up when the click-through starts from the ShopBack Cover-More Australia travel insurance on ShopBack merchant page. Renewal charges billed on subsequent months usually do not qualify because they are not tied to a fresh affiliate click. Check the ShopBack Cover-More Australia travel insurance on ShopBack merchant page for the current subscription eligibility rule.