Travel Insurance Advice & Quotes
Understand your cover before you need to use it
Little Travel House helps you make sense of travel insurance, matching cover to your destination, activities, and circumstances, with quotes arranged alongside your itinerary.
Advice and quotes, not a one-click add-on
Travel insurance is the safety net that turns a disruption into an inconvenience rather than a financial loss. But policies are not interchangeable, and the cheapest option is rarely the right one. Little Travel House provides clear advice and obtains quotes so you understand what you are buying before you travel.
We are an independent business affiliated with the Envoyage Group, an arm of the Flight Centre Travel Group, and we arrange insurance advice alongside your flights, stays, and itinerary rather than as an afterthought. That means your cover is matched to where you are going and what you are doing.
Andrew and Cathy founded Little Travel House in 2021 on the belief that travel should feel personal. That extends to insurance: we would rather you understand your policy now than discover a gap when something goes wrong.
Travel insurance advice suits travellers who
- Want to understand what their policy actually covers
- Are travelling overseas where medical costs can be high
- Have pre-existing medical conditions to declare
- Are planning active or adventure travel with specific risks
- Want insurance coordinated with the rest of their booking
The insurance questions we help you answer
Buying travel insurance looks simple until you read the fine print. Here is where our advice makes the difference.
Decoding what a policy really covers
We explain the headline benefits and the exclusions in plain language, so you know what you are protected against and where the gaps are.
Declaring pre-existing conditions correctly
We talk through what counts as a pre-existing condition and what to declare, so your cover stays valid if you need to claim.
Matching cover to adventure activities
Standard policies often exclude trekking, diving, and other active pursuits. We arrange cover advice that reflects your real itinerary.
Judging whether existing cover is enough
If you have cover through a credit card or elsewhere, we help you read the conditions and limits to decide whether a standalone policy is safer.
Cover that fits your trip, explained honestly
We do not push a single insurer or the cheapest premium. We listen to where you are going, what you are doing, and who is travelling, then arrange advice and quotes that fit. The goal is cover you understand and can rely on, not a box ticked at checkout.
A dedicated human advisor
You speak with Andrew and Cathy directly, not a call-centre queue, from first question to confirmed cover.
Envoyage Group backing
Affiliation with the Envoyage Group, an arm of the Flight Centre Travel Group, supports our access to reputable insurance providers and quotes.
Cover matched to your itinerary
We align your insurance advice with your destination, activities, and travelling companions, not a generic off-the-shelf policy.
The six areas a policy should address
These are the cover categories most travel insurance policies speak to. We help you understand how each one applies to your trip, rather than assuming they are all the same.
Medical & hospital costs
Unexpected doctor visits, hospital stays, and emergency treatment overseas, where costs can mount quickly and are rarely covered by Australian Medicare abroad.
Cancellation & trip disruption
Reimbursement for non-refundable flights, stays, and tours when you have to cancel or cut a trip short due to a covered reason.
Emergency evacuation & repatriation
Costs of medical evacuation to appropriate care, or return to Australia, which can run to tens of thousands of dollars without cover.
Lost, stolen & delayed baggage
Cover for lost or stolen belongings, and contributions toward essentials when your luggage is delayed on arrival.
Travel delay & missed connections
Contributions toward meals, accommodation, and rebooking when delays outside your control disrupt your journey.
Personal liability
Protection against legal costs and damages if you are held responsible for injury or property damage while travelling.
Cover, limits, and exclusions vary by insurer and policy. We provide advice and quotes so you can choose cover suited to your circumstances.
Four decisions that determine the right cover
The difference between adequate and inadequate cover usually comes down to these four points. We walk through each one with you.
Read the exclusions, not just the headline
What a policy does not cover matters as much as what it does. We help you understand the exclusions and conditions before you buy, rather than relying on a marketing summary.
Declare pre-existing medical conditions
Many policies exclude pre-existing conditions unless they are declared and accepted. We talk through what to disclose so your cover is valid when you need it.
Match cover to your activities
Standard policies often exclude adventure and active pursuits. If you are trekking, diving, or cycling, we arrange cover advice that reflects what you actually plan to do.
Check destination-specific limits
Medical cost expectations vary enormously between destinations. We help you judge whether the limits on a policy make sense for where you are going.
From conversation to confirmed cover
A clear process that keeps you informed while we handle the detail.
Share your trip details
Tell us your destination, dates, activities, and who is travelling, along with any medical considerations.
We identify your cover needs
We assess the risks that matter for your itinerary and flag any activities or conditions that need specific cover.
We obtain quotes and advice
We arrange quotes from reputable providers and explain the differences in cover, limits, and exclusions.
Travel with clear cover
You depart understanding your policy and with a human contact to call if you need help while away.
Common questions, answered
Pair your cover with
Services that combine naturally with travel insurance advice and quotes.
Bespoke Travel
Personalised itineraries built entirely around your interests, pace, and wish list. No two journeys are ever the same.
Independent / FIT Travel
Flexible Independent Travel (FIT) gives you the freedom to explore at your own pace with all logistics handled for you.
Flights & Accommodation
Competitive airfares and handpicked accommodation, from boutique hotels to villas, backed by Envoyage Group buying power.
Adventure Travel
Active, immersive journeys for travellers who want to hike, paddle, cycle, or explore off the beaten path with expert support.
Safari
Wildlife journeys to Africa and beyond, planned with trusted ground operators and the right lodges for your style and budget.
Small-Ship & Ocean Cruises
Ocean and small-ship cruising with expert guidance, from selecting the right cabin to coordinating shore excursions.
Ready to get your cover sorted?
Tell us where you are going and what you have planned. Andrew and Cathy will arrange travel insurance advice and quotes matched to your trip, with the personal care of an independent, Envoyage Group affiliated business.