Personal Travel Insurance.
Medicare stops at the border. A single medical emergency overseas can cost more than your entire holiday. Co-Pilot finds personal travel insurance that covers what actually matters - medical evacuation, cancellations, adventure activities, and more - across 90+ insurers. Travelling for work? See our business travel insurance.
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What Is It?
Personal travel insurance - what it covers and why Medicare doesn't replace it
Personal travel insurance protects you and your family against the unexpected costs that come with travelling - from a cancelled flight to a medical emergency overseas. Medicare does not cover you outside Australia, and a single overseas hospitalisation without insurance can cost tens of thousands of dollars. The right policy removes that exposure before you leave.
Cover varies significantly between policies. Some exclude pre-existing medical conditions, certain adventure activities, or destinations under Australian Government travel advisories. Smartraveller's “Do Not Travel” and “Reconsider Your Need to Travel” advisories directly affect what most policies will pay out. Co-Pilot reviews the fine print across 90+ insurers so you're not caught out when you need to claim.
Whether it's a one-off family holiday, annual cover for frequent leisure travel, or specialist cruise or backpacker cover - Co-Pilot finds the structure that suits your destination, travel style, and budget.
What's Covered
What's included in personal travel insurance - medical, cancellation, and activity cover
Personal travel insurance can be tailored for your destination, trip length, and activities. Co-Pilot compares across 90+ insurers to find the policy that fits how you actually travel.
Trip Cancellation & Delays
Cover for pre-paid costs when flights are cancelled, delayed, or your travel plans change due to illness or unforeseen events.
Overseas Medical Emergencies
Covers hospital stays, surgery, and medical treatment overseas - often the most costly risk for international travellers, and not covered by Medicare.
Emergency Evacuation
Arranges and covers emergency medical evacuation back to Australia if your condition requires treatment that can't be provided locally.
Lost Luggage & Belongings
Compensation for lost, stolen, or damaged luggage, clothing, cameras, and personal items during your trip.
Rental Car Excess
Covers the excess charged by a hire car company if your rental vehicle is involved in an accident or damaged.
Adventure Activity Cover
Standard policies often exclude skiing, diving, and hiking. We find cover that specifically includes the activities you've planned.
Personal Liability
Protection if you're held legally responsible for injuring someone or damaging their property while travelling.
Who Needs It
Who needs personal travel insurance - families, solo travellers, and adventure seekers
Travel insurance is essential for anyone travelling internationally - and strongly recommended for domestic travel. Here's who needs it most:
Families on Holiday
Comprehensive cover for the whole family - medical costs, trip cancellation, lost belongings, and activity cover - so you can focus on the trip, not the what-ifs.
Solo & Independent Travellers
Travelling alone means carrying all the risk yourself. Single-trip and annual policies make sure a disruption doesn't turn into a financial crisis.
Adventure Seekers
Skiing, diving, bungee jumping? Standard policies often exclude high-risk activities. We find specialist cover that actually includes what you're planning to do.
Cruise Passengers
Cruise travel has specific risks - missed ports, onboard medical care, and evacuation logistics. Specialist cruise cover addresses what a standard policy doesn't.
Students Studying Abroad
Extended cover for students living overseas - health, personal liability, and belongings protected throughout the study period, not just a short trip.
Why Co-Pilot
Why Co-Pilot for personal travel insurance - not just a comparison site
Most people compare a handful of direct insurers. Here's why a specialist broker gets you better cover - especially for complex travel situations.
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the travel policy that actually covers your trip - not the easiest one to sell.
Insurer relationships that open doors
Access to 90+ insurers, including those with specialist appetite for pre-existing conditions, high-risk destinations, and adventure activities that standard direct-to-consumer policies exclude.
Honest advice on pre-existing conditions and activity exclusions
Failing to declare a pre-existing condition can void your entire policy. And activities that “appear” covered are often excluded in the fine print. We go through both with you before you travel.
Clear communication, no surprises
We explain your policy in plain language, including what's excluded, what government travel advisories affect your cover, and what to do if you need to claim while you're away.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Personal Travel Insurance
Medicare stops at the border.
Don't travel without cover.
Co-Pilot compares personal travel insurance across 90+ insurers - for families, solo travellers, cruise passengers, adventure seekers, and everyone in between.