There’s no single “best” travel insurer in Australia — and anyone who tells you otherwise probably hasn’t looked very hard. The right policy depends entirely on who’s travelling and what the trip actually involves. A solo backpacker heading off for six months needs something very different from a family of five doing two weeks in Bali, or a couple in their 70s planning a cruise. So rather than crowning one winner, we’ve compared the major Australian insurers side by side — what they’re genuinely good at, where they fall short, and who each one actually suits.
You’ll also find current promo codes throughout, because there’s no reason to pay more than you need to once you’ve found the right cover. But the codes are the bonus here, not the point. This is a proper comparison first, discounts second.
Zoom: Risk-Free Travel Insurance with a Price Match Promise
Zoom is an Australian-owned, Sydney-based insurer offering domestic and international cover, 24/7 emergency assistance, and a price-match guarantee against comparable policies – a solid, budget-friendly pick for families and frequent travellers.
Compare the Best Travel Insurance Providers in Australia
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.
Our Top Picks
We regularly review the travel insurers listed on this page. Here’s our current take:
Best for flexibility: Freely. Adjust your 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 if you’d rather not gamble on price: Southern Cross Travel Insurance. 40+ years in the market, a genuine awards history, and broader pre-existing condition cover than most – built for peace of mind over pinching pennies.
Best for seniors and pre-existing conditions: AllClear. With no upper age limit and specialist underwriting for complex medical situations, don’t let a health condition stop you from travelling, with AllClear.
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.
Best for families: Zoom. Taking the whole family? Our pick for flexibility and family orientated travel insurance is Zoom.
Compare Travel Insurance Providers
| 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 |
| Southern Cross Travel Insurance | No code – kids free | Award-winning cover, pre-existing conditions |
| 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 |
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.
Zoom Travel Insurance
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.
Southern Cross Travel Insurance
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
Travel Protect
Another insurance company to consider, Travel Protect offers only a couple of plans that should meet many travellers’ needs. Travel Protect is underwritten by Pacific International Insurance Pty Ltd.
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.
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.
Featured Travel Insurance Promo Codes & Deals
Ready to save? These are the travel insurance deals we’ve currently verified.
Last verified: 14 August, 2026. Our content is ✔ Updated Weekly ✔ Verified ✔ No Expired Deals
Affiliate Disclosure: The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.
How to Use a Travel Insurance Promo Code
- Pick your insurer – Have a read through our comparison above and choose the policy that actually suits your trip (senior traveller, cruise, pre-existing condition cover, whatever fits). Don’t just grab the first one — a few minutes comparing now can save you a headache later.
- Click through from our link – Head over via our link on this page. Most of the discounts we list activate automatically this way, so there’s nothing extra you need to do at this step.
- Pop in the code if it’s needed – Some insurers apply the discount automatically, others want you to paste a code into a promo field at checkout. If a code’s needed, you’ll find it clearly listed above — just copy and paste it in.
- Double-check the premium and the fine print – Before you pay, take a moment to check the final price reflects the discount, and skim the policy terms (excess, exclusions, any medical screening) so there are no surprises later.
- Buy direct from the insurer – You’ll complete your purchase on the insurer’s own site, not ours.
- Save your policy documents – Once you’re through, download your Certificate of Insurance and Product Disclosure Statement (PDS) to your phone before you depart. If anything happens overseas, you’ll want these on hand, not sitting in an email you can’t access.
Which Travel Insurance Is Best for You?
The best travel insurance depends on your destination, age, trip length, activities and who you’re travelling with. We’ve created dedicated guides for some of the most common travel situations.
Buying Guides
What Should You Look for in Travel Insurance?
Overseas Medical Cover
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.
Cancellation and Trip Interruption
Ensure your cancellation cover matches the actual value of your trip. Match your spend on flights, hotels and prepaid activities with a policy of equal value.
Pre-Existing Medical Conditions
Pre-existing medical conditions are treated differently by each insurer. AllClear is a recognised specialist in this field.
Adventure Activities
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.
Baggage and Personal Belongings
Don’t be exposed for the cost of repairing, replacing or reimbursing your luggage and personal items if they’re lost, stolen or damaged while you’re travelling.
Excess
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.
Cruise Cover
Standard travel insurance handles medical costs on land just fine. At sea, it’s a different story. Cabin confinement, missed port departures, missed shore excursions, ship-to-shore evacuation all require a specific Cruise Insurance policy.
Rental Car Cover
Covers the excess you’d otherwise pay if a hire car is damaged, stolen, or written off while you’re behind the wheel overseas.
Annual vs Single Trip Travel Insurance
If you travel overseas several times a year, an annual multi-trip policy may be more convenient and potentially cheaper than purchasing separate policies. However, annual policies can have maximum trip durations and different coverage limits.
Travelling more than once this year?
If you’ve got two or more trips on the calendar, one annual multi-trip policy can work out cheaper and easier than buying single-trip cover every time. See how the numbers actually stack up before you decide.
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.
Table updated: June 2026. Discounts subject to insurer terms and may vary.
Troubleshooting: Travel Insurance Promo Code Problems
Problem: My promo code won’t apply at checkout
→ Check that the code hasn’t expired and that your policy, destination and travel dates meet the offer’s terms. If you’re using a TCM affiliate link, the discount may apply automatically without requiring a code. If it still doesn’t work, try opening the insurer’s website in a private/incognito window.
Problem: The discount amount looks wrong
→ Some discounts apply only to the base premium and may exclude GST, stamp duty or optional extras. Check the specific offer terms to see what the discount applies to.
Problem: The promo code says it’s invalid or expired
→ Check that you’ve entered the code correctly and that you’re purchasing an eligible policy. Promo codes can have expiry dates, minimum spend requirements or other restrictions.
Problem: The offer doesn’t apply to the policy I want
→ Some promotions are limited to specific policy types, such as single-trip rather than annual multi-trip cover. Check the offer terms before purchasing.
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 best travel insurance promo code isn’t necessarily the one offering the biggest percentage discount. Compare the underlying policy, coverage limits, excess and exclusions first, then look for a current discount from the insurer. The Champagne Mile tracks current travel insurance offers and promo codes from Australian providers to make comparison easier.
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.