RACV Insurance Total Travel Care offers the best single-trip travel cover, according to research by consumer group Choice.

Choice’s December magazine gives the product, provided by Tokio Marine, a score of 73%.

AIG offerings Good2Go the Works and World2Cover Top, also through Tokio Marine, share second place with 71%. All three products, recommended by Choice, feature unlimited medical and cancellation expenses and $15,000 for baggage claims.

Choice’s scores for performance across claims, price and seniors categories are based on quotes for 144 single-trip policies from 62 insurers.

RACV Insurance Extra Travel Care ranks fourth on 69%, followed by Lloyd’s Go Insurance’s Go Plus on 68%.

Choice says consumers should shop around and declare medical conditions where applicable, even if they intend to buy from the same insurer as on previous trips.

“Not only could your needs have changed, but the cover may have changed too,” it says.

“Insurance providers regularly update their policies and limits and sometimes even change their underwriters.”