Qantas Flight Insurance: Coverage, Cost, and Is It Worth It

You’ve booked your Qantas flight, packed your bags, and maybe even checked the weather at your destination, but have you thought about what happens if your trip gets derailed by a medical emergency or a delayed bag? That’s where Qantas travel insurance steps in — and it comes with a few surprises, including Qantas Points on your premium and a wellbeing program that rewards healthy habits.

Minimum cost (domestic): AUD 31 · Minimum cost (international): AUD 95 · Customer service phone: 13 49 60 · Earns Qantas Points: Yes · Wellness program included: Yes

Quick snapshot

1Coverage

Medical expenses (Wise)
Trip cancellation (Compare Travel Insurance)
Lost luggage (Wise)
Emergency evacuation (Qantas)

2Cost

Domestic from AUD 31 (Wise)
International from AUD 95 (Wise)
Annual multi-trip options (Qantas)

3Benefits

Earn Qantas Points (Qantas)
Wellness program (Wise)
24/7 assistance (Qantas Help Center)

4How to Buy

Online at insurance.qantas.com (Qantas Insurance)
Phone 13 49 60 (Qantas)
Via travel agent (Qantas)

Six key facts about Qantas travel insurance stand out:

Attribute	Value
Provider	Qantas Insurance (a division of Qantas Airways) (Compare Travel Insurance)
Policy types	Domestic, International, Annual Multi-Trip (Compare Travel Insurance)
Minimum age	18 years (Qantas)
Coverage max per trip	Up to AUD 5,000,000 (medical) (Wise)
Awards points	1 Qantas Point per AUD 20 premium (Qantas)
Customer service hours	24/7 (Qantas Help Center)

Does Qantas offer flight insurance?

Qantas does not sell standalone “flight insurance” in the way budget carriers often do for a single sector. Instead, it offers comprehensive travel insurance that covers flights as part of a broader trip protection package. This distinction matters because the product is designed for entire journeys, not just the time spent in the air.

Understanding Qantas travel insurance vs flight insurance

Flight insurance typically covers only the flight itself: cancellation, delay, missed connection. (Wise)
Qantas travel insurance covers medical emergencies, lost baggage, trip cancellation, rental car excess, and more. (Compare Travel Insurance)
Domestic policies exclude overseas medical cover, while international policies include unlimited emergency overseas medical expenses. (Wise)

The catch

If you only need protection for a single flight and already have health cover, Qantas travel insurance may be more than you need. But if you want trip-wide protection with points earning, it’s a different value proposition.

The implication: Qantas travel insurance is best for travellers who want end-to-end coverage for their entire trip — not just the flight segment.

Official Qantas insurance products

Domestic single trip – for travel within Australia. Qantas
International single trip – for overseas travel. Qantas
Annual multi-trip – covers unlimited trips within 12 months. Compare Travel Insurance
All policies underwritten by AIG Australia Limited. AIG

Why this matters: Knowing the policy types helps you choose the right level of cover without paying for unnecessary extras. Domestic and international policies have very different benefits.

What exactly does flight insurance cover?

The line between “flight insurance” and “travel insurance” often confuses travellers. Qantas travel insurance covers much more than a flight-only product, but it’s important to know exactly what’s included and what’s not.

Medical and hospital benefits

International and annual policies: unlimited emergency overseas medical expenses. (Wise)
Domestic policies: no overseas medical cover. (Wise)
Maximum cover up to AUD 5,000,000 per trip. (Wise)

Trip cancellation and interruption

Covers cancellation due to illness, injury, death of family member, or other unforeseen events. (Compare Travel Insurance)
Also covers cancellation due to cruise operator insolvency. (Qantas)

Lost baggage and delay

International/annual: up to AUD 15,000 luggage cover. (Wise)
Domestic: up to AUD 5,000 luggage cover. (Wise)
Luggage delay over 6 hours: up to AUD 1,600 replacement (international), AUD 800 (domestic). (Wise)

Emergency evacuation

Includes emergency medical evacuation and repatriation. (Qantas)
Rental car excess cover: up to AUD 8,000. (Wise)

What to watch

Pre-existing conditions are generally excluded, and adventurous activities like bungee jumping may not be covered. Check the product disclosure statement for full details.

The trade-off: broader coverage means higher premiums. For travellers who already have health coverage, the medical benefits may duplicate existing policies.

How much is Qantas flight insurance?

Pricing varies significantly based on destination, age, trip length, and coverage level. Here’s what the data shows for a typical 40-year-old traveller.

Domestic vs international pricing

Domestic policies start at AUD 31. (Wise)
International policies start at AUD 95. (Wise)
For a one-week trip to France, a 40-year-old was quoted AUD 200 (single trip) and AUD 826 (annual multi-trip). (Wise)
Excess of AUD 250 applies to each claim on international/annual policies. (Wise)
Domestic policies have zero excess. (Compare Travel Insurance)

Factors affecting premium

Destination (domestic, international, high-risk zones)
Age of traveller (older travellers pay more)
Trip duration (longer trips increase premium)
Coverage level (basic vs comprehensive)
Number of travellers (children under 12 covered free) (Wise)

How to get a quote

Online at insurance.qantas.com (Qantas Insurance)
Phone 13 49 60 (Qantas Help Center)
Compare on sites like Compare Travel Insurance

The pattern: Qantas travel insurance is generally priced at the higher end of the Australian market, but the points earning and wellness program can offset the cost for frequent flyers.

Is it worth getting Qantas travel insurance?

Deciding whether Qantas travel insurance is worth the premium depends on your travel style, health cover, and loyalty to the Qantas ecosystem. Below we break down the pros and cons.

Pros of Qantas travel insurance

Earn 1 Qantas Point per AUD 20 premium (Qantas)
Wellness program rewards healthy activities with bonus points (Wise)
Unlimited overseas medical cover on international policies (Wise)
Children under 12 covered free (Wise)
21-day cooling-off period for full refund (Compare Travel Insurance)
24/7 travel assistance (Qantas Help Center)

Cons and limitations

More expensive than many comparable policies (Wise)
Domestic policies lack overseas medical cover (Wise)
Pre-existing conditions not covered (standard exclusion)
Adventure sports may require add-ons
Excess of AUD 250 on international/annual claims

The pattern: Qantas travel insurance is most worthwhile for Qantas frequent flyers who value points accumulation and wellness rewards, and for travellers who need comprehensive international medical cover.

Does Qantas travel insurance cover cruises?

Yes, Qantas travel insurance covers cruise holidays under its domestic and international policies, with some specific benefits and exclusions.

Cruise-specific benefits

Covers cancellation due to cruise operator insolvency (Qantas)
Missed port departures covered (Compare Travel Insurance)
Medical expenses on board (subject to policy limits)

Exclusions for cruises

Medical evacuation from cruise ships may be limited
Certain onboard activities (e.g., scuba diving) may require additional cover
Pre-existing health conditions not covered

Why this matters

Cruise travellers should verify that their Qantas policy covers all planned shore excursions and that the medical limit is sufficient for international cruises, especially those visiting remote ports.

The implication: Qantas travel insurance can work for cruise holidays, but you should read the product disclosure statement to check coverage for your specific itinerary.

Coverage details and limits

Three coverage tiers, one clear pattern: international policies offer far higher limits than domestic, and annual multi-trip matches international for most benefits.

Benefit	Domestic	International	Annual Multi-Trip
Emergency medical expenses	Not covered	Unlimited	Unlimited
Luggage cover	Up to AUD 5,000	Up to AUD 15,000	Up to AUD 15,000
Luggage delay (over 6hrs)	Up to AUD 800	Up to AUD 1,600	Up to AUD 1,600
Rental car excess	Up to AUD 8,000	Up to AUD 8,000	Up to AUD 8,000
Trip cancellation	Covered (limits vary)	Covered (limits vary)	Covered (limits vary)
Children under 12	Free	Free	Free
Excess	AUD 0	AUD 250	AUD 250
Cooling-off period	21 days	21 days	21 days

The trade-off: domestic policies are cheap and have no excess, but miss the biggest benefit — overseas medical cover. International and annual policies cost more but offer comprehensive protection.

Upsides

Earns Qantas Points on premiums
Wellness program adds value for active travellers
Unlimited overseas medical cover (international)
Children under 12 free
21-day cooling-off period

Downsides

Higher premiums than many competitors
Domestic policies lack overseas medical cover
Pre-existing conditions generally excluded
AUD 250 excess for international claims
Not suitable for flight-only protection

The pattern: Qantas travel insurance caters to two distinct audiences—cost-conscious domestic travellers and reward-focused international jet-setters.

What we know for sure vs what remains unclear

Confirmed facts

Qantas offers travel insurance through insurance.qantas.com (Qantas)
Domestic policies start at AUD 31 (Wise)
International policies start at AUD 95 (Wise)
Qantas Points are earned on premiums (Qantas)
Children under 12 are covered free (Wise)
21-day cooling-off period (Compare Travel Insurance)

What’s unclear

Whether standalone “flight insurance” exists separately from travel insurance (no official confirmation)
Exact coverage limits for specific adventure sports (not publicly detailed)
How quickly claims are processed (no published average turnaround)
Whether pre-existing conditions can ever be covered under special circumstances
Full premium breakdown for all possible destination/age combinations (not publicly available)
Whether there is a limit on the number of trips under the annual multi-trip policy (not specified in public material)

The uncertainty underscores the need for travellers to verify their specific situation with Qantas directly.

Expert perspectives on Qantas travel insurance

“Qantas travel insurance offers unlimited overseas medical expenses on international policies, but domestic policies do not include overseas medical cover. It’s a significant gap that travellers often overlook.”

– Wise review (Wise)

“Qantas travel insurance can be purchased online at insurance.qantas.com or by calling 13 49 60. Policies are underwritten by AIG Australia Limited.”

– Qantas Insurance website (Qantas)

“While Qantas travel insurance is generally more expensive than comparable policies, the ability to earn Qantas Points and access the wellness program makes it attractive for frequent flyers.”

– Compare Travel Insurance (Compare Travel Insurance)

For Australian travellers who fly Qantas regularly and want to earn rewards on every dollar spent, Qantas travel insurance can make sense despite the premium. But for the occasional flyer who only needs basic cover, cheaper alternatives exist. The choice is clear: know your coverage needs, check the product disclosure statement, and compare before you buy.

Additional sources

youtube.com, australianfrequentflyer.com.au, productreview.com.au, insurance.qantas.com

While flight insurance covers your journey, Qantas also offers Qantas home insurance policies for your property, allowing you to earn points on premiums across different coverage needs.

Frequently asked questions

What is the difference between flight insurance and travel insurance?

Flight insurance typically covers only the flight — cancellation, delay, missed connection. Travel insurance (like Qantas’s product) covers the entire trip including medical expenses, lost luggage, and emergency evacuation.

Do I need flight insurance if I already have travel insurance?

If your travel insurance already covers flight-related issues (cancellation, delay), you likely don’t need separate flight insurance. Qantas travel insurance includes these benefits.

Can I purchase Qantas travel insurance after booking my flight?

Yes, you can buy Qantas travel insurance up to the day before your trip departs, but it’s best to purchase early to cover unforeseen events before departure.

How do I cancel my Qantas travel insurance policy?

You can cancel within the 21-day cooling-off period for a full refund, provided no claim has been made. Contact Qantas Insurance directly.

Does Qantas travel insurance cover COVID-19 related cancellations?

Yes, Qantas travel insurance covers cancellation if you or a travelling companion tests positive for COVID-19 before departure. Check the policy wording for specific conditions.

How long does it take to process a claim?

Claims processing times vary, but Qantas aims to process straightforward claims within 10 business days. Complex claims may take longer.

What documents are needed to file a claim?

You’ll need your policy number, proof of travel (itinerary, receipts), medical reports (if applicable), and any supporting evidence for the incident (police report, airline delay letter).