Is medical only travel insurance cheaper than comprehensive travel insurance?

In most cases, medical-only travel insurance is less expensive than comprehensive travel insurance because it provides a narrower level of cover. Medical-only policies are generally focused on overseas emergency medical and hospital expenses, while comprehensive policies include a wider range of benefits such as cancellation, luggage protection, travel delays, and additional options. 

The actual price you pay will depend on factors such as your destination, the length of your trip, your age, and any optional extras you choose. The best way to see the difference in cost is to get a quote for both policy types based on your travel plans. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.