Looking for a travel insurance promo code? Below you’ll find the current codes and discounts from 12 Australian insurers, with how to apply each one at checkout. Most apply automatically when you click through from our links, so there’s often nothing to copy and paste.
A discount only matters if the policy suits your trip, so we’ve also compared what each insurer does best and who it suits, whether you’re a backpacker, a family, a senior or someone with a pre-existing condition.
Current Travel Insurance Codes and 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.
Our Top Picks
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.
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.
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 Travel Insurance Providers
| Provider | Standout Feature | Best For |
|---|---|---|
| Freely | Switch cover on or off mid-trip in the app | Travellers whose plans might change |
| Tick Travel Insurance | 90+ sports covered as standard, kids included free | Budget travellers and families |
| Cover-More | Earn 3 Velocity Points per $1 spent | Travellers wanting a big-name comprehensive policy |
| Southern Cross Travel Insurance | No upper age limit, kids travel free | Travellers with pre-existing conditions |
| AllClear | 1,300+ medical conditions considered, no upper age limit | Seniors and complex medical histories |
| Zoom | Price match guarantee, dependent kids under 19 free | Families, including grandparents |
| Travel Insurance Direct | Strong annual multi-trip plan, dependants added free | Frequent travellers |
| World Nomads | Buy or extend cover while already overseas | Adventure travellers and backpackers |
| Fast Cover | Cover available up to age 89 | Travellers wanting simple, straightforward cover |
| Butter Insurance | Build your own policy from modular add-ons | Younger travellers who like to customise |
| Travel Protect | Simple core plans with optional extras | Travellers wanting a simple policy with add-ons |
| WAS Insurance | Activity cover beyond standard plans, up to age 99 | Older travellers who stay active |
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 in the codes section at the top of this page.
- 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.
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.
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 has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don’t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he’s not testing codes, he’s planning his next overseas trip or out on his dirt bike.
Last Updated on 27 September 2026 by michael
