Travel Insurance Promo Codes Australia 2026 – Save up to 20%
Travel insurance is one of those purchases you hope you never need – but when things go wrong overseas, it's the difference between a bad day and a financial disaster. At The Champagne Mile, we track verified promo codes across Australia's leading travel insurers so you can get the same coverage for less.
Last verified: 07 July, 2026. Our content is ✔ Updated Daily ✔ Verified ✔ No Expired Deals
Travel Insurance Deals
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Our Top Travel Insurance Providers
Cover More
Cover More is a global travel insurance provider, protecting travellers since 1986. More than 15 million travellers worldwide trust Cover More to protect their trips each year, including millions of Aussies. Cover More is part of the Zurich Insurance Group – one of the world’s leading multi-line insurers.
Freely
Freely offers coverage you can adjust on-the-go, live safety updates, 24/7 medical and emergency support, and an easy-to-start claims process with the app. Freely was founded in 2020 and is backed by global insurance group Zurich.
AllClear Travel Insurance
AllClear is the medical travel insurance specialist. Choose from Gold, Gold Plus and Traveller levels of cover. AllClear is also underwritten by the insurer Mitsui Sumitomo Insurance Company Limited.
TCM Editorial Verdict – Which Travel Insurer Should You Choose?
We regularly review the travel insurers listed on this page. Here's our current take:
Best for flexibility: Freely. The app-based model lets you adjust cover while you're already travelling – genuinely useful if your plans change on the road.
Best for budget travellers: Tick Travel Insurance. Four levels of cover with kids included free and 90+ sports covered as standard makes this exceptional value.
Best for seniors and pre-existing conditions: AllClear. No upper age limit and specialist underwriting for complex medical situations. Don't let a health condition stop you from travelling.
Best for comprehensive cover: Cover-More. Trusted by 15 million+ travellers globally, backed by Zurich Insurance Group, and with a track record stretching back to 1986.
Best for frequent travellers: Travel Insurance Direct. Their annual multi-trip policy with a TID promo code is one of the best-value options for Australians who travel 3+ times a year.
How Much Can You Save with a Travel Insurance Promo Code?
Use the table below as a quick reference before choosing a provider. Savings figures are based on the best available codes at time of publication.
| Provider | Best Current Discount | Best For |
|---|---|---|
| Freely | Up to 15% off | Flexible, app-based cover |
| Tick Travel Insurance | Up to 15% off | Budget-friendly, families |
| Cover-More | Seasonal up to 10% | Comprehensive, 15m+ users |
| AllClear | Special rate | Senior & medical travellers |
| Zoom | Up to 10% off | Families & frequent travellers |
| Travel Insurance Direct | Up to 15% off | Frequent travellers, annual plans |
| Fast Cover | Up to 10% off | Aussie-owned, Lloyd's backed |
| Butter Insurance | Up to 15% off | Europe, Japan, Bali travellers |
| Travel Protect | Current deal | Customisable extras |
| WAS Insurance | Current deal | COVID-19 cover, up to age 99 |
Table updated: June 2026. Discounts subject to insurer terms and may vary.
Our Other Top Travel Insurance Providers
Travel insurance is one of those things you hope you never have to use. Sometimes it can seem like money for nothing, but it sure matters when things go wrong. To help ease the pain, we've curated a list of travel insurance promo codes for travellers looking to reduce their costs while enjoying a great holiday.
Tick Travel Insurance
Tick is a popular choice among travellers. It offers 3 levels of cover and aims to make things as quick and simple as possible. Tick Travel Insurance is underwritten by Mitsui Sumitomo Insurance Company Limited.
Travel Insurance Direct
There is plenty of choice at Travel Insurance Direct; they offer four plans for different travel styles. Choose from Comprehensive, Basic, Domestic and Annual Multi-Trip options. TID is backed by NIB and the insurance is underwritten by Pacific International Insurance Pty Ltd.
Fast Cover
Fast Cover was created in 2010 with the vision of providing quality travel insurance that not only offered the cover travellers actually need, but that was also simple and easy to understand. Fast Cover uses Lloyd’s underwriters to take on the insurance risk.
Butter Travel Insurance
Butter Travel Insurance offers simple, affordable and reliable travel insurance for Aussie travellers heading to Europe, Japan, Bali and destinations around the world.
Travellers may be interested in the “no excess on any of the add on packages, or things like travel delay, personal accident, personal liability & more” approach.
Zoom Travel Insurance
Butter Travel Insurance offers simple, affordable and reliable travel insurance for Aussie travellers heading to Europe, Japan, Bali and destinations around the world.
Travellers may be interested in the “no excess on any of the add on packages, or things like travel delay, personal accident, personal liability & more” approach.
Travel Protect
WAS Insurance
WAS offers COVID-19 insurance and plans that cater for travellers up to 99 years old. Was Insurance is underwritten by Pacific International Insurance.
How to Use a Travel Insurance Promo Code
- Click a TCM deal link – most of our partner discounts activate automatically via our tracked link. No code needed.
- Select your policy type – single trip, annual multi-trip, domestic, or cruise.
- Enter your travel details – destination, travel dates, number of travellers.
- Apply the code at checkout (if required) – paste it into the promo code field before payment. The discount should appear in your order summary immediately.
- Check the discount before paying – never complete checkout without confirming the saving has been applied.
- Save your policy documents – download your Certificate of Insurance and PDS to your phone before you depart.
What to Look for Beyond the Discount
A lower premium isn't always a better deal, so before you get too excited about a promo code, it's worth checking what you're actually getting for your money.
The first thing to look at is overseas medical cover. Unlimited emergency medical expenses should be your baseline – some budget policies cap this at $5m or less, which sounds like a lot until you're dealing with a serious medical event in the US or Europe.
Next, check your cancellation cover matches the actual value of your trip. If you've got $10,000 tied up in flights and hotels, a policy with a $5,000 cancellation limit leaves half your trip unprotected.
Pre-existing medical conditions are another area where policies vary enormously. Most insurers require you to declare them, but some exclude them outright while others will cover them for an additional premium. If this applies to you, AllClear specialises in exactly this situation.
If you're planning anything adventurous – skiing, scuba diving, motorbike riding – double-check your activity cover. Standard policies often exclude adventure sports as a default. Tick is worth a look here, covering 90+ sports and activities as standard.
Finally, don't ignore the excess. A cheap policy with a $500 excess can end up costing you more than a slightly pricier one with a $100 excess the moment you need to make a claim.
Tips for Getting the Most Out of Travel Insurance Promo Codes
Before you buy, start with the TCM links. Most of our partner discounts are applied automatically, so there's no need to spend time searching for promo codes.
It's also worth comparing policies before making a decision. A 15% discount might sound appealing, but if the policy offers poor value or limited cover, you could still end up paying more in the long run than you would for a better, undiscounted policy.
If you know your travel dates, consider booking your insurance early. Some insurers offer better prices the further in advance you purchase, especially for annual multi-trip policies.
Once you've bought your policy, don't feel rushed. Most Australian travel insurers offer a cooling-off period of 14 to 21 days, giving you time to read the Product Disclosure Statement (PDS) and make sure the cover meets your needs. If it doesn't, you can usually cancel within the cooling-off period, provided you haven't started your trip or made a claim.
If you travel more than a couple of times each year, an annual multi-trip policy is often better value than buying separate policies for every holiday. Applying a partner discount can make the savings even greater.
Finally, check whether your credit card includes complimentary travel insurance. While it may provide some cover, it often has limitations. A standalone travel insurance policy can fill the gaps or provide more comprehensive protection, particularly for longer trips or more expensive holidays.
Troubleshooting: Common Travel Insurance Problems
Problem: My code won't apply at checkout
→ Clear your browser cache and try again in a private/incognito window. Disable any VPN or ad blocker. If using a TCM affiliate link, the discount should apply automatically without needing to enter a code.
Problem: The discount amount looks wrong
→ Some discounts apply to the base premium only, excluding GST, stamp duty, or optional add-ons. Check the insurer's promo terms to confirm what the discount applies to.
Problem: My destination isn't covered
→ Some travel insurance policies exclude specific countries (often those with DFAT “Do Not Travel” warnings). Check the policy's geographic limitations in the PDS before purchase.
Problem: I was rejected for coverage due to a pre-existing condition
→ Consider specialist insurers like AllClear, which has no upper age limit and specialises in covering travellers with pre-existing medical conditions.
Problem: I need to make a claim but I'm still overseas
→ Call the insurer's 24/7 emergency assistance line immediately – all major insurers listed on this page provide one. Don't wait until you return home to start the process for medical claims.
What Else Should You Sort Before Travelling?
Make sure you've also locked in:
Other Useful Travel Insurance Links
If you have a complaint about a travel insurer, you can lodge it with the Australian Financial Complaints Authority (AFCA).
For current government travel advisories, visit Smartraveller – Australia's official travel advisory service.
Frequently Asked Questions
Do travel insurance promo codes reduce my cover or benefits?
No. Promo codes only discount the premium you pay. Your policy benefits, coverage limits, and terms remain exactly the same as if you paid full price. You get identical protection for less money.
Do travel insurance promo codes work if I have a pre-existing medical condition?
Promo codes typically apply to the premium cost regardless of your medical situation. However, the coverage terms for pre-existing conditions are set by the insurer independently of any discount. Always read the PDS carefully. AllClear specialises in cover for travellers with pre-existing conditions.
Why isn't my travel insurance promo code working?
The most common reasons are: the code has expired, it only applies to specific policy types (e.g. single-trip, not annual), the destination or travel dates fall outside the eligible terms, or there's a spelling error. Double-check all of these before trying again. Most TCM partner discounts apply automatically via our link – no code entry required.
Can I use a travel insurance promo code after I've already purchased a policy?
No. Promo codes must be applied at checkout before payment is completed. If you forgot to apply a code, you may be able to cancel during the cooling-off period (usually 14–21 days) and repurchase with the discount. Check the insurer's cancellation and refund terms before doing so.
Can I use a travel insurance promo code if I'm already overseas?
Most travel insurance promo codes are only valid when purchasing a policy before you depart. Some insurers will allow you to purchase cover after departure, but promo codes are rarely accepted in those cases. Check the insurer's terms directly.
Can I use a travel insurance promo code on an annual multi-trip policy?
Some codes apply to annual multi-trip policies, but many are restricted to single-trip plans. Check the terms of the specific code. Travel Insurance Direct and Cover-More both offer promo codes that can apply to annual policies – check their pages for current offers.
How do I find the best travel insurance promo code in Australia?
The most reliable method is to check dedicated Australian deals sites like The Champagne Mile. We maintain partner relationships with Australia's leading travel insurers and publish verified, working codes daily. You can also subscribe to insurer newsletters for occasional subscriber-only discounts.
Is travel insurance mandatory for Australians travelling overseas?
Travel insurance is not legally required for Australians, but the Australian Government's Smartraveller program strongly recommends it. The Department of Foreign Affairs and Trade's standard advice is: if you can't afford travel insurance, you can't afford to travel. Emergency medical evacuation alone can cost hundreds of thousands of dollars without cover.
What's the difference between single-trip and annual multi-trip travel insurance?
Single-trip policies cover one specific journey – you choose the dates and destination when you purchase. Annual multi-trip policies cover an unlimited number of trips within a 12-month period, up to a maximum duration per trip (typically 30, 45, or 60 days). Annual policies are usually more cost-effective for travellers taking more than two international trips per year.
Does travel insurance cover trip cancellation due to illness?
Most comprehensive travel insurance policies include trip cancellation benefits that cover you if you, a travelling companion, or an immediate family member becomes seriously ill before departure. The exact circumstances covered vary by insurer – check the PDS for the specific definition of “unforeseen illness” and any waiting periods that may apply.
Do I need separate travel insurance for a cruise?
Standard travel insurance policies may not include cruise-specific benefits such as cabin confinement, missed port departure, and ship-to-shore medical evacuation. If you're cruising, look for a policy with explicit cruise cover or a cruise-specific add-on. Cover-More, AllClear, and World2Cover all offer strong cruise coverage options.
Michael is a contributor to The Champagne Mile – Deals. No fancy credentials – just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who'll listen. Michael figures there are plenty of other Australians who'd rather spend five seconds clicking a link than five hours searching for a working code. When he's not buried in promo codes, Michael is probably planning his next trip overseas or dirtbike adventure.