Skip to main content

GLOBAL ALERT

Travel and security impacts of conflict in the Middle East
Read more
Home - smartraveller.gov.au, be informed, be prepared - logo
Smartraveller
Facebook
Twitter
Instagram
YouTube

Search Smartraveller

Browse destinations

Main navigation

  • Home
  • Travel essentials
    • The essentials checklist
      • قائمة التحقّق قبل السفر (Arabic)
      • 渡航前チェックリスト (Japanese)
      • 출발 전 체크리스트 (Korean)
      • รายการสิ่งที่ควรทำก่อนเดินทาง (Thai)
      • Trước khi lên đường danh sách kiểm tra (Vietnamese)
      • 出行之前不忘检查确认 (Chinese Simplified)
      • 出發前檢查清單 (Chinese Traditional)
    • Travel insurance
      • CHOICE travel insurance buying guide
        • Why get travel insurance?
        • Buying travel insurance
        • Before you buy
        • How to save money on travel insurance
        • About that fine print
        • What are you covered for?
        • Credit card travel insurance
        • How to make a complaint
    • Getting a foreign visa
      • Travelling to Europe and the Schengen Area
    • Travel health
      • Healthcare agreements
      • Infectious diseases
      • Medical tourism
      • Medicine and medical devices
      • Mental health
      • Organ transplant tourism
      • Pregnancy
      • Urgent medical care
    • Following the law
      • Arrested or jailed
      • Carrying or using drugs
      • Child sex offences
      • Female Genital Mutilation
      • Modern slavery
    • Australia's biosecurity and border controls
    • Travelling safely overseas (Easy Read)
  • Planning a trip
    • Advice for different types of traveller
      • Academics
      • Colour, race, ethnicity, or religion
      • Dual nationals
      • Journalists
      • LGBTQIA+
      • Older travellers
      • Schoolies
      • Travelling with children
      • Travelling with a disability
      • Travelling with pets
      • Women
    • Advice for your planned activities
      • Adoption
      • Antarctica and the Arctic
      • Backpacking
      • Business
      • Living, working or studying overseas
      • Marriage
      • Partying safely
      • Retiring overseas
      • Sports and adventure
      • Surrogacy
      • Volunteering
    • Going overseas for a major event
      • Cultural events
        • Anzac Day
      • Religious events
        • Ramadan
        • Hajj
      • Sporting events
    • Getting around safely
      • Air travel
      • Boat travel
      • Going on a cruise
      • Public transport
      • Road safety
  • Destinations
    • View all destinations
    • Africa
    • Americas
    • Asia
    • Europe
    • Middle East
    • Pacific
  • While overseas
    • Conflict and unrest
      • Armed conflict
      • Protests and civil unrest
      • Terrorism
    • Extreme weather and natural disasters
      • Bushfires
      • Cyclones
      • Earthquakes and tsunamis
      • Floods
      • Landslides, mudslides and avalanches
      • Severe hot or cold weather
      • Tornadoes
      • Volcanic eruption
    • Personal emergencies
      • Lost or damaged property
      • Money problems
      • When someone is missing
      • When someone has died
    • Protecting yourself from crime
      • Assault
      • Cyber security
      • Kidnapping
      • Piracy
      • Scams
      • Sexual assault and harassment
      • Theft and robbery
    • What to do in a crisis
      • Nuclear incident
  • Urgent help
  • Our role
    • About us
      • Contact
      • Partnerships
      • Social media
    • Consular State of Play
      • Data
      • Case studies
      • Images
      • Videos
      • Audio
      • Historical data
    • Consular Services Charter
      • ميثاق الخدمات القنصلية (Arabic)
      • 领事服务章程 (Chinese Simplified)
      • 領事服務章程 (Chinese Traditional)
      • Panduan Layanan Konsuler (Indonesian)
      • 領事サービス憲章 (Japanese)
      • 영사 서비스 헌장 (Korean)
      • กฎบัตรว่าด้วยบริการต่าง ๆ ของกงสุล (Thai)
      • Quy định về Dịch Vụ Lãnh Sự (Vietnamese)
      • Consular Privacy Collection Statement
    • How we write our travel advice
    • What our travel advice levels mean
    • News and updates
    • Notarial services
      • Documents we can legalise
      • Notarial services in Australia
      • Notarial services overseas
      • Certificates of No Impediment
      • Notarial forms
    • Our subscription service
    • Passport services
    • Resources
      • Insurance Council of Australia reports
    • Voting overseas
    • What we do in a crisis
    • Communities
      • العربية (Arabic)
      • Bahasa Indonesia
      • 中文 简体 (Chinese Simplified)
      • 中文繁體 (Chinese Traditional)
      • 日本語 (Japanese)
      • 한국어 (Korean)
      • ภาษาไทย (Thai)
      • Tiếng Việt (Vietnamese)
      • Filipino community
      • Indian community
Breadcrumb
  1. Home
  2. CHOICE travel insurance buying guide
  3. How to save money on travel insurance

How to save money on travel insurance

On this page:

  • Shop around
  • Member discounts
  • Compromise on cover – do you need gold standard?
  • Use your credit card

The cost of travel might be on the rise, but there are a few ways to save on travel insurance that will safeguard your travels from breaking the bank.

Shop around

Compare policies on cost and cover. The average price for a comprehensive policy varies from $100 for travel in the Pacific to over $1700 for travel in Africa. You shopped around for your trip, isn't your insurance worth the same investment, too?

How much is travel insurance?

Average premium per region*

Region Cheapest policy Most expensive policy
Africa  $268 $1718
Americas $495 $1630
Asia  $112 $1024
Europe  $267 $1335
Middle East $143 $820
Pacific  $78 $307

*Average premiums based on a market-representative sample of 230,296 quotes for international travel insurance collected in March 2026. CHOICE calculated the average premium for each policy: figures shown are for the policies with the cheapest and most expensive average quote for each region. 

Source: Choice.com.au - Our top tips to save on travel insurance

Travel insurance price varies considerably depending on many things. Such as where you're travelling, how old you are, what medical conditions you might have or activities you plan to do (such as cruising or skiing). And prices vary depending on which insurer you buy your policy from. It pays to shop around.

Member discounts

Does your health, car or home insurance provider also sell travel insurance? Some companies give 10–15% discounts to existing members.

Compromise on cover – do you need gold standard?

While good medical cover is always essential, there are other ways you could save money on your premium. You can do this by choosing a policy with lower or variable cover for cancellation, delays and lost baggage. This is especially useful if you aren't spending big on your holiday or taking expensive items with you.

Use your credit card

Some credit cards come with 'free' travel insurance when you use them to buy a ticket, pay for other travel expenses or otherwise activate it. You're already paying a premium in fees for the card itself, so why not make maximise the benefits you can get from it?
This type of insurance can sometimes be a money-saver, and the level of cover can be just as good or even better than standard insurance. If you choose to use this cover, make sure it gives you the cover you need.

Read more about credit card insurance.

Read next:

  • About that fine print
  • What are you covered for?
  • Credit card travel insurance
  • How to make a complaint

See previous:

  • Why get travel insurance?
  • Buying travel insurance
  • Before you buy travel insurance

Main navigation

  • The essentials checklist
    • قائمة التحقّق قبل السفر (Arabic)
    • 渡航前チェックリスト (Japanese)
    • 출발 전 체크리스트 (Korean)
    • รายการสิ่งที่ควรทำก่อนเดินทาง (Thai)
    • Trước khi lên đường danh sách kiểm tra (Vietnamese)
    • 出行之前不忘检查确认 (Chinese Simplified)
    • 出發前檢查清單 (Chinese Traditional)
  • Travel insurance
    • CHOICE travel insurance buying guide
      • Why get travel insurance?
      • Buying travel insurance
      • Before you buy
      • How to save money on travel insurance
      • About that fine print
      • What are you covered for?
      • Credit card travel insurance
      • How to make a complaint
  • Getting a foreign visa
    • Travelling to Europe and the Schengen Area
  • Travel health
    • Healthcare agreements
    • Infectious diseases
    • Medical tourism
    • Medicine and medical devices
    • Mental health
    • Organ transplant tourism
    • Pregnancy
    • Urgent medical care
  • Following the law
    • Arrested or jailed
    • Carrying or using drugs
    • Child sex offences
    • Female Genital Mutilation
    • Modern slavery
  • Australia's biosecurity and border controls
  • Travelling safely overseas (Easy Read)

Emergency consular assistance

The Australian Government provides 24-hour consular emergency assistance.

+61 2 6261 3305 from overseas

1300 555 135 from within Australia

For how we can help you overseas see the Consular Services Charter.

Enquiries and feedback

For non-urgent enquiries, or to provide feedback on consular services that you've recently received, contact us online.

For information on notarial services, email legalisations.australia@dfat.gov.au

To report a vulnerability you’ve identified on this website or to find out more about the department’s Vulnerability Disclosure Policy visit the DFAT website

About us

Smartraveller is provided by the Australian Department of Foreign Affairs and Trade

For more information go to about us.

Information in other languages

Find information in other languages.

 

Follow us

Facebook

Twitter

Instagram

YouTube

RSS

News

Read our latest news.

Resources

View resources for travel industry and media.

Was this information helpful?

Your feedback will help us improve your experience.

Footer

Australian Government logo. Department of Foreign Affairs and Trade
  • Privacy policy
  • Copyright
  • Cookies and analytics
  • Accessibility
  • Disclaimer
  • Legal
  • Sitemap

Main navigation

  • Home
  • Travel essentials
    • The essentials checklist
      • قائمة التحقّق قبل السفر (Arabic)
      • 渡航前チェックリスト (Japanese)
      • 출발 전 체크리스트 (Korean)
      • รายการสิ่งที่ควรทำก่อนเดินทาง (Thai)
      • Trước khi lên đường danh sách kiểm tra (Vietnamese)
      • 出行之前不忘检查确认 (Chinese Simplified)
      • 出發前檢查清單 (Chinese Traditional)
    • Travel insurance
      • CHOICE travel insurance buying guide
        • Why get travel insurance?
        • Buying travel insurance
        • Before you buy
        • How to save money on travel insurance
        • About that fine print
        • What are you covered for?
        • Credit card travel insurance
        • How to make a complaint
    • Getting a foreign visa
      • Travelling to Europe and the Schengen Area
    • Travel health
      • Healthcare agreements
      • Infectious diseases
      • Medical tourism
      • Medicine and medical devices
      • Mental health
      • Organ transplant tourism
      • Pregnancy
      • Urgent medical care
    • Following the law
      • Arrested or jailed
      • Carrying or using drugs
      • Child sex offences
      • Female Genital Mutilation
      • Modern slavery
    • Australia's biosecurity and border controls
    • Travelling safely overseas (Easy Read)
  • Planning a trip
    • Advice for different types of traveller
      • Academics
      • Colour, race, ethnicity, or religion
      • Dual nationals
      • Journalists
      • LGBTQIA+
      • Older travellers
      • Schoolies
      • Travelling with children
      • Travelling with a disability
      • Travelling with pets
      • Women
    • Advice for your planned activities
      • Adoption
      • Antarctica and the Arctic
      • Backpacking
      • Business
      • Living, working or studying overseas
      • Marriage
      • Partying safely
      • Retiring overseas
      • Sports and adventure
      • Surrogacy
      • Volunteering
    • Going overseas for a major event
      • Cultural events
        • Anzac Day
      • Religious events
        • Ramadan
        • Hajj
      • Sporting events
    • Getting around safely
      • Air travel
      • Boat travel
      • Going on a cruise
      • Public transport
      • Road safety
  • Destinations
    • View all destinations
    • Africa
    • Americas
    • Asia
    • Europe
    • Middle East
    • Pacific
  • While overseas
    • Conflict and unrest
      • Armed conflict
      • Protests and civil unrest
      • Terrorism
    • Extreme weather and natural disasters
      • Bushfires
      • Cyclones
      • Earthquakes and tsunamis
      • Floods
      • Landslides, mudslides and avalanches
      • Severe hot or cold weather
      • Tornadoes
      • Volcanic eruption
    • Personal emergencies
      • Lost or damaged property
      • Money problems
      • When someone is missing
      • When someone has died
    • Protecting yourself from crime
      • Assault
      • Cyber security
      • Kidnapping
      • Piracy
      • Scams
      • Sexual assault and harassment
      • Theft and robbery
    • What to do in a crisis
      • Nuclear incident
  • Urgent help
  • Our role
    • About us
      • Contact
      • Partnerships
      • Social media
    • Consular State of Play
      • Data
      • Case studies
      • Images
      • Videos
      • Audio
      • Historical data
    • Consular Services Charter
      • ميثاق الخدمات القنصلية (Arabic)
      • 领事服务章程 (Chinese Simplified)
      • 領事服務章程 (Chinese Traditional)
      • Panduan Layanan Konsuler (Indonesian)
      • 領事サービス憲章 (Japanese)
      • 영사 서비스 헌장 (Korean)
      • กฎบัตรว่าด้วยบริการต่าง ๆ ของกงสุล (Thai)
      • Quy định về Dịch Vụ Lãnh Sự (Vietnamese)
      • Consular Privacy Collection Statement
    • How we write our travel advice
    • What our travel advice levels mean
    • News and updates
    • Notarial services
      • Documents we can legalise
      • Notarial services in Australia
      • Notarial services overseas
      • Certificates of No Impediment
      • Notarial forms
    • Our subscription service
    • Passport services
    • Resources
      • Insurance Council of Australia reports
    • Voting overseas
    • What we do in a crisis
    • Communities
      • العربية (Arabic)
      • Bahasa Indonesia
      • 中文 简体 (Chinese Simplified)
      • 中文繁體 (Chinese Traditional)
      • 日本語 (Japanese)
      • 한국어 (Korean)
      • ภาษาไทย (Thai)
      • Tiếng Việt (Vietnamese)
      • Filipino community
      • Indian community