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Travel safely with Perth’s top 5 travel insurance plans

Travel safely with Perth’s top 5 travel insurance plans

  • Coverage options offered - We picked insurance providers that offer plans with comprehensive coverage, like medical emergencies, trip cancellations, baggage loss, and more.
  • Destinations offered - We also prefer those that offer coverage to many destinations, both inside and outside Australia.
  • Claims process - We checked whether these insurance companies have hassle-free and straightforward claims processes.
  • Customer support - We also looked at whether they have support teams that can respond to emergencies 24/7 and whether they respond quickly to enquiries made over the phone or through email.
  • Price fairness - We considered whether their prices are fair given how comprehensive their travel insurance plans are and how efficient their claims processes are.

Us Aussies love to discover something new from time to time, so it’s no surprise that we travel to new destinations regularly. However, there’s a crucial detail that often slips our minds: travel insurance.

In fact, a survey revealed that 59% of Australians have gone on a trip without getting insured (SBS News). That’s worrying, as there’s always a possibility of something unpleasant happening even during our happiest times.

So before you pack your bags and head to Perth Airport, get yourself travel insurance coverage from these reliable insurance companies in Perth!

How much does travel insurance coverage in Perth cost?

The average cost of travel insurance for Perthites is $235. Please take note that this is an estimate, and the price may vary depending on factors such as your destination, trip duration, and age.

1. Travel Insurance Direct

Travel Insurance Direct's Homepage

Address: 24 York Street, Sydney, New South Wales 2000, AU

Phone number: +1300 843 843

Business hours: 9:00 AM – 6:00 PM (MON-FRI)



Travel Insurance Direct was founded in 2005. It offers insurance coverage to both domestic and international travellers visiting overseas destinations, including Europe, North America, Japan, New Zealand, and Thailand.

Its comprehensive international travel insurance policy provides unlimited coverage for medical expenses and personal liability coverage of up to $2,500,000. The policy also covers over 150 different sports and activities, like banana boat rides and paintball.

You may also add extra coverage for more extreme sports, like snow sports. Furthermore, the insurers also provide coverage for trip delays, lost valuables, and medical repatriation.

For those who travel often, they have the Annual Multi-Trip Plan, which lasts for 12 months and includes everything mentioned earlier.

You can get in touch with their 24/7 support team through +61 2 9234 3123.


  • Provides unlimited coverage for medical expenses
  • Automatically covers over 150 different sports and activities
  • 24/7 customer support team for emergencies
  • Can provide extra coverage for extreme sports like snow sports


  • May take weeks before they can process a claim
  • Non-emergency support is unavailable on weekends

Great value & Great insurance company

“I have used TID for my travel insurance many times over a number of years. Due to the Covid 19 restrictions imposed on International travel I have had to cancel my European holiday. TID were very understanding of my claim for the none refundable sections of the trip being paid back to me under the terms of my insurance policy. I would recommend TID to anyone who requires travel insurance in the future. Great company and Great service.”

-Albert, Reviews

They were there when we needed them

“My daughter and I got the worst gastro on our last night in Fiji and we were unable to travel home as scheduled. TID paid out our medical expenses and additional accommodation quickly and without argument. Recommend”

-Kate, Reviews

2. insure4less

insure4less' Homepage

Address: 4276 Sydney, NSW 2001, Australia

Phone number: +61 (0) 2 8256 1770

Business hours: Available 24/7



insure4less is a travel insurance provider backed by Chase Underwriting Solutions Pty Ltd. and Lloyd’s of London. Providing overseas travel insurance coverage, it has been in the business for over 40 years.

The insurers aim to be the most affordable option in Australia, and one thing that helps in this goal is moving most of their services to their digital platform to reduce overhead costs.

Their most basic insurance plan includes 24/7 emergency assistance, a $500 emergency dental treatment, and a $25,000 cover for additional travel expenses.

However, their most comprehensive plan, Excel Plus, provides additional coverage for personal liability, cancelled flights, baggage loss, and more. You may also include coverage for over 100 adventure sports and activities, like bungee jumping.

They also have a money-back guarantee that lets you cancel your insurance policy and still get a full refund within 15 days of your purchase.


  • Provides unlimited coverage for medical expenses
  • 24/7 customer support team for emergencies
  • Can provide extra coverage for over 100 adventure sports and activities
  • 15-day money-back guarantee


  • Their insurance policies are mostly designed for international travel only
  • May take more than 24 hours to respond to non-emergency enquiries

Quick response when I was in hospital overseas!

“This was a couple of years ago now, but I feel that I should give a good review after the great service I received. I got sick overseas, and ended up in hospital for four days. The hospital bill was nearly $5000, but I only had to pay the $100 excess – insure4less covered the rest. Since I was travelling alone, I managed to contact my family in Australia who then called the company on my behalf – I only spoke to them very briefly (as I was too sick to really concentrate on a conversation) and then they let my mum and the hospital handle it all. On the day of my discharge it only took about 15 minutes before it was all sorted and organised. That was the BEST $60ish I ever spent on travel insurance. I’ve used them ever since!”

-Tegan L., Reviews

Great claims service

“Speedy & efficient service regarding my claim, as someone who works in the insurance industry i appreciate how time consuming processing claims can be and was surprised and relieved at how easy the process was. I will be recommending this insurance to my friends & family.

Easy and quick claims”

-sammyoz, Reviews

3. InsureandGo Australia

InsureandGo Australia's Homepage

Address: Pyrmont, 1/19 Harris St, Sydney NSW 2009, Australia

Phone number: +61 1300 401 177

Business hours: 9:00 AM – 5:00 PM (MON-FRI)



Owned by Europ Assistance, InsureandGo Australia has been providing travel insurance to both domestic and international Australian travellers for over 50 years.

Its overseas travel insurance is available when travelling to most destinations abroad, including the USA, East Asia, and Europe. All of its insurance products (Bare Essentials, Silver, and Gold) provide coverage for medical expenses, loss of luggage, and travel plan delays or cancellations.

Furthermore, its Gold travel insurance provides additional features like unlimited cancellation coverage as well as free coverage for dependent children travelling with you and 90 sports activities. 

The insurers can also cover clients up to 100 years of age.

You can quickly file a claim through their website or by calling their 24/7 emergency hotline: +612 9333 3999.


  • Provides unlimited coverage for medical expenses
  • 24/7 customer support team for emergencies
  • Special perks for Gold travel insurance like free coverage for dependent children travelling with you and unlimited cancellation cover
  • Can cover clients of up to 100 years of age


  • Doesn’t provide coverage for those travelling to Russia, Ukraine, or Belarus
  • Some customers experienced long hold times when calling their claims hotline

Easy to buy online and very simple

“It was our first time as a family to be insured and go as it was recommended by my friend who was an avid traveller. Easy to buy online and very simple. Excellent product for people who are now starting to go back to travelling.”

-Barbra Irene Andrin, Google Reviews

Good rates and coverage

“Used Insureandgo several times for travel insurance. Good rates and coverage. I haven’t had to make any claims, however a friend of mine did and advised they were great to deal with and no delays or issues reported.

Easy to buy online. I’d recommend them”

-Rod Dever, Google Reviews

4. Bupa Travel Insurance

Bupa Travel Insurance's Homepage

Address: 33 Exhibition Street, Melbourne, VIC 3000 Australia

Phone number: +61 3 9487 6400

Business hours: 

8:00 AM – 7:00 PM (MON-FRI)

8:00 AM – 5:00 PM (SAT)



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Bupa is an Australian healthcare provider owned by The British United Provident Association. It offers a travel insurance product that’s available to both domestic and international travellers.

The insurers offer three overseas travel insurance plans: Essentials, Comprehensive, and Annual Multi-trip. These plans provide $20,000,000 overseas medical expense coverage and coverage for personal liability, luggage theft, and travel delay expenses.

Furthermore, their Comprehensive plan includes additional coverage for permanent disability and loss resulting from fraudulent use of your essential travel documents. The Annual Multi-trip also includes all these benefits and is designed for multiple trips within 12 months.

If you’re already a Bupa health insurance holder, you can avail of their travel insurance products with a 15% discount. 

You can learn more about their services by downloading the Bupa mobile app, where you can manage your travel insurance policy and make claims directly.


  • Provides $20,000,000 coverage for medical expenses
  • 24/7 customer support team for emergencies
  • 15% discount for Bupa health insurance holders
  • Has a mobile app where you can make claims directly


  • No cover for missed connecting flights
  • Requires a thorough assessment to determine if they’ll cover a pre-existing health condition

Customer service staff are exceptional!

“We needed to talk to Bupa Travel insurance phone staff whilst we were overseas and back in Australia and I was exceptionally impressed by their outstanding customer service. They were both so friendly and courteous and explained what I needed to do, for our situation, in an easy to understand way. I felt extremely supported and comforted by their level of expertise and guidance. Our policy was a very reasonable cost and our claim was handled with great ease and efficiency. This will be our ‘go to’ policy for every Travel insurance need we have in the future. Thank you so much.”

-Sharon, Reviews

Great service, value and outcome

“Policy was of great value and easy to set up.

I had to contact Customer Support both prior to departure and upon my return, at all times I received prompt and helpful service.

A claim had to be made, my costs were reimbursed to me after 48 hours……great outcome!”

-Rob S, Reviews

5. Royal Automobile Club of Western Australia

Royal Automobile Club of Western Australia's Homepage

Address: 2/86 Catalano Cct, Canning Vale WA 6155, Australia

Phone number: +61 1300 137 920

Business hours: 8:00 AM – 5:00 PM (MON-FRI)



If you prefer a local insurance provider, give the Royal Automobile Club of Western Australia a try. Founded in 1905 by a group of car enthusiasts, it offers domestic and overseas travel insurance products.

The insurers offer three kinds of overseas insurance coverage. Their most basic plan is the Medical Only plan, which provides unlimited medical coverage and a $2,000 cover for lost luggage.

Meanwhile, their Essentials and Comprehensive plans add coverage for loss of travel documents, loss of personal money, and expenses incurred from travel delays.

The Comprehensive plan also provides special coverage for your home if your travel plans are disrupted. This special coverage will take care of the expenses related to pet boarding, housekeeping services, and more.

If you’re a RAC member, you’ll get a 15% discount on your RAC Australia travel insurance policy.


  • Provides unlimited coverage for medical expenses
  • 24/7 customer support team for emergencies
  • 15% discount for RAC members
  • Their Comprehensive plan has a special coverage that will take care of your home if your travel plans are disrupted


  • Their COVID-19 coverage is available on their Comprehensive plan only
  • Requires a thorough assessment to determine if they’ll cover a pre-existing health condition

Excellent coverage and pricing

“RAC is my go to for nearly all my insurance cover these days. Love that RAC Travel policies cover so much but also the staff were so so helpful in answering some curly questions, big thankyou to Travis in West Perth. A big plus for me and often the deciding factor is that eveything, including the call centre is based in Australia. Have also found their claims dept professional, empathetic and helpful with timely payout in the past.”

-Bomber, Reviews

Great price and easy to apply

“I chose their cover because it was the best price of all the rest and was super easy and quick to apply.”

-William P., Reviews

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