Travel Insurance Comparison
Travel Insurance from A$49
Three top providers compared side by side. No fluff — just what's covered, what's not, and which one is right for your trip.
Why You Need Travel Insurance
It's not pessimism — it's mathematics. Here's why 1-in-6 travellers file a claim each year.
Hospital Bills Abroad Are Brutal
A night in a US hospital averages A$10,000. Medical evacuation from Bali can run A$30,000+. Insurance from A$49 is pure logic.
Flight Cancellations Happen
Natural disasters, airline strikes, or serious illness — trip cancellation cover pays for your lost deposits and rebooking fees.
Lost Baggage is More Common Than You Think
Airlines misplace 25 million bags annually. Losing your camera, laptop, and clothes abroad with no cover is painful. Insurance replaces them.
Adventure Activities Need Coverage
Skiing in Japan, diving in Bali, surfing in Hawaii — standard domestic health cover often doesn't apply abroad. World Nomads covers all of it.
Compare Providers
All prices are estimates. Get an exact quote on each provider's site.
World Nomads
Best for adventurous travellers
From
A$49/trip
A$7/day average
- ✓ Adventure sports covered (scuba, skiing, trekking)
- ✓ Emergency medical evacuation included
- ✓ 150+ activities covered
- ✓ 24/7 emergency assistance
- ✓ Cancel for any reason add-on available
TripXenia earns 10% commission — no extra cost to you
Cover Genius
Best value for standard trips
From
A$29/trip
A$4.50/day average
- ✓ Medical, hospital, and emergency cover
- ✓ Trip cancellation and interruption
- ✓ Lost or stolen baggage
- ✓ Available via Booking.com checkout
- ✓ Instant policy issued
Allianz Travel
Best for high-value trips
From
A$69/trip
A$9/day average
- ✓ Unlimited medical cover available
- ✓ Business class upgrade if injured
- ✓ Concierge and travel assistance
- ✓ Pre-existing condition cover options
- ✓ Family and group plans available
What's Actually Covered
| Coverage | World Nomads | Cover Genius | Allianz |
|---|---|---|---|
| Emergency medical treatment | ✓ | ✓ | ✓ |
| Medical evacuation | ✓ | ✓ | ✓ |
| Trip cancellation | ✓ | ✓ | ✓ |
| Trip interruption | ✓ | ✓ | ✓ |
| Lost/stolen baggage | ✓ | ✓ | ✓ |
| Adventure sports | ✓ | ✗ | ✓ |
| Electronics/gadgets | ✓ | ✗ | ✓ |
| Pre-existing conditions | ✗ | ✗ | ✓ |
| Cancel for any reason | ✗ | ✗ | ✓ |
| 24/7 emergency hotline | ✓ | ✓ | ✓ |
* Coverage details based on standard policies as of May 2026. Always read the full PDS before purchasing. Add-ons and upgrades can change coverage significantly.
★ Recommended by TripXenia
World Nomads — Get Your Quote in 60 Seconds
Adventure sports. Medical evacuation. Lost gadgets. 150+ activities covered. Plans from A$49 for Australians.
Get World Nomads Quote →Frequently Asked Questions
Absolutely. Bali hospitals are cheap for minor issues, but medical evacuation to Australia can cost A$30,000–60,000 without insurance. A 7-day Bali policy costs about A$45–80.
Standard exclusions include: incidents while intoxicated, pre-existing conditions (unless declared), injuries from extreme sports on standard plans, travel against government warnings, and claims due to recklessness. Always read the PDS (Product Disclosure Statement).
Buy it immediately after paying any non-refundable deposit. This maximises your cancellation coverage window. Waiting until departure day only covers in-trip events, not pre-departure cancellations.
Most current policies cover COVID-19 related claims: medical treatment if you test positive abroad, trip cancellation if diagnosed before departure, and emergency evacuation. Check the specific policy wording — World Nomads and Allianz both include COVID cover as standard (2026).
World Nomads is consistently rated #1 for backpackers and adventure travellers. They're underwritten by large insurers (Zurich, AIG), have a fast claims process, and cover activities that most competitors exclude. We earn a 10% commission — but it doesn't affect your premium.