How we compare travel insurance
Where the quotes come from, what we compare, how the prices work, and why Event Escapes is not the insurer.
Where the quotes come from
When you enter your trip, we send the details to our licensed insurance partner, which returns live quotes from the insurers on its panel. The prices, cover and policy documents you see come from those insurers, not from us. We display what is returned for your specific trip.
Event Escapes is not the insurer
We are a comparison and referral interface. We do not underwrite, issue or sell the policy, and we do not collect the premium. Each plan is provided and issued by the regulated insurer named on it, and your insurance contract is with that insurer.
How your quote is generated
Quotes are priced from the details you give us: your destination, travel dates, the travellers and their ages, your country of residence, and any extras such as trip cancellation or adventure cover. Availability and price change with those inputs, so the results are specific to your trip and to the moment you ask.
What we compare
For each plan we show the insurer and plan name, the premium, and the headline cover categories: overseas medical, trip cancellation, baggage and travel delay, plus relevant extras. We show these as the insurer supplies them. We do not add, change or reinterpret an insurer’s cover values.
How to read the prices
Prices are live and shown in your currency, converted at the day’s exchange rate with no margin added by us. A price is a quote for the trip you entered and can change if your trip details or the insurer’s pricing change. Where a plan is priced per year or shown as a starting price, we label it.
The insurer’s documents come first
The comparison is a summary. The insurer’s Product Disclosure Statement, policy wording and product information document set out exactly what is covered, the limits, the excess and the exclusions. Those documents govern the policy and take precedence over anything summarised here, so read them before you buy.
How we make money
Event Escapes may receive a commission or referral fee from our insurance partner if you buy a plan through our platform. This does not change the price or the policy terms available to you, and it does not influence how plans are ordered.
How offers are shown
By default we sort by price, lowest first, and we tell you the criterion in the results. You can re-sort by other objective measures such as medical cover. We do not apply a hidden score or label a plan as best or recommended. The order reflects the objective criterion you choose.
What we do and do not assess
We show objective, provider supplied information so you can compare like for like. We do not give personal financial advice, rate or rank insurers by quality, or tell you which policy is right for you. If you want advice for your circumstances, speak to a licensed adviser.
Keeping this current
The insurers on the panel, the cover categories we show and this page are reviewed as the product changes. Prices and availability are always fetched live at the time you ask, so nothing on the comparison is a stale, cached price.
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