Travel insurance for Australia 

Australia is a unique country that’s home to glistening monuments like the Sydney Opera House, vast plains and blue waters packed with exotic marine life. During your trip, you can see rock artwork that’s over 20,000 years old in the Kakadu National Park, learn how to scuba dive at the Great Barrier Reef or explore Sydney’s famous skyline.

Australia’s Aboriginal culture is something most visitors love to explore. The Aboriginal people come from over 500 different first nations, and they’re the inheritors of the longest continuous culture on earth. You can head into the outback to learn about Aboriginal culture, but many people choose to take a walking tour, admire the local art or try a bush-tucker experience.

Australia’s warm climate makes it the perfect place to enjoy a beach break, too. Luckily, you’re never far from one. Sydney has Bondi Beach and Manly Beach within 25 minutes of the city centre, and both of these are regularly voted as being among the best in the world.

If you’d rather discover beauty off shore, then the Great Barrier Reef is the place to be. It stretches for over 2,000km and contains beautiful coral networks, gliding rays and tropical fish of every colour and size. You can either head on a glass-bottomed boat ride, or snorkel and come face-to-face with the fish below the surface.

There’s just as much wildlife to see and discover on dry land, too. Many tourists love Australia’s wildlife parks like Kangaroo Island and Daintree Rainforest. You’ll never forget watching kangaroos bound across the field and seeing the koalas hugging the trees.

Culturally, Australia is very similar to the UK and it’s a member of the Commonwealth, so the Queen is still the head of state. English is the de facto national language, so you’ll have no problem communicating with the locals. The Australian Dollar is the national currency, and you can either exchange your money before you travel or exchange it while you’re in Australia.

Whatever you plan on doing in Australia, it's important that you get travel insurance to protect yourself against any unforeseen eventualities.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

Our Single Trip, Annual and Backpacker policies are designed to help protect you if your trip doesn’t go to plan. Across our Single Trip and Annual policies, we also offer three levels of cover: Bronze, Silver and Gold. Depending which level of policy you choose, your travel insurance for Australia can help cover you for: 
  • Cancelling or curtailing your trip
  • Emergency medical and associated expenses
  • Loss of passport*
  • Delayed personal possessions
  • Lost, stolen or damaged personal possessions*
  • Loss of personal money*
  • Personal accident cover
  • Missed departures
  • Delayed departures
  • Personal liability
  • Legal expenses
  • End-supplier failure**
  • *Not available with Bronze cover
  • **Only available with Gold cover
  • Terms and Conditions apply.
You can also purchase add-ons to help cover you for any activities you're taking part in. For example, if you’re taking a cruise to Australia, our Cruise cover can help protect you against things like cabin confinement and itinerary changes. Or, if you’re heading to one of Australia’s world-class golf courses like Royal Melbourne West or Kingston Heath Golf Club, our Golf cover could help protect you and your equipment. 

The type of travel insurance that’s best for you will depend on a range of factors. Firstly, it will depend on how long you plan to travel for, and how often you plan to travel. If you’re only going to Australia once this year, a Single Trip travel insurance policy will be best suited to your needs.

But if you’re visiting Australia as part of a gap year or a career break, and you plan on staying for more than 180 days, then you may find that Backpacker insurance is a better fit. Or, if you’re planning on taking multiple holidays in the calendar year, then you may find that Annual travel insurance is more appropriate.

Another thing to think about is who you’re travelling with. For example, if you’re taking your whole family to Australia, then our Family travel insurance allows you to put everyone on the same policy. Alternatively, if you’re heading to Australia with a large group of friends, then our Group travel insurance lets you put up to 12 adults on the same policy. 

The cost of travel insurance for Australia will vary depending on a number of personal factors. Each quote is tailored specifically to you and your travelling party. Considerations include:

  • The age and number of people travelling
  • Whether any of the people travelling have a pre-existing medical condition they need to declare
  • The level of cover selected
  • Whether any additional cover is required, such as Cruise insurance or Golf insurance

To find out exactly how much your Australia travel insurance will cost, get a quote today. 

If you’re visiting Australia for a holiday, then you’ll need a visa. There are two ways that you can get an Australian visa for your visit:

  • An eVisitor visa direct from the Department of Immigration and Border Protection. There is no visa application charge or service fee for this
  • Electronic Travel Authority (ETA) via your travel agent or airline. There is no visa application charge, but a service fee of A$20 applies1

If you’re aged 18 to 30 (inclusive), then you can also work in Australia to help fund your trip. But you’ll need to apply for a working holiday visa from the Department of Immigration and Border Protection. If you’re applying for this kind of visa, then please remember that you’ll need working holiday insurance for Australia. Our Australia travel insurance can cover you for non-manual work, including professional, administrative or clerical duties.

If you’re unsure which visa you need for your visit, then you can visit the Department of Immigration and Border Protection website. After answering some simple questions about your trip, they’ll show you the visas that are best suited to your needs.

1 Source:

The UK has a reciprocal health agreement with Australia that entitles you to reduced-cost hospital treatment and medicines. But to be eligible, you’ll need to enrol in Medicare by contacting a local Medicare office in Australia.

Please be aware that Medicare doesn’t cover everything; it isn’t a substitute for an Australian travel insurance policy. For example, it doesn’t cover pre-existing medical conditions, or illnesses and injuries that require non-urgent medical attention. But it’s still a good safety net if you fall ill and need urgent care.

If you’re making a claim for a refund under the Medicare scheme, you’ll have to make the claim before you leave Australia. If you make use of the reciprocal health arrangement and it reduces your medical expenses, you won’t have to pay an excess on the medical section of your Australia travel insurance policy. 

When you visit Australia, you need to be up to date with vaccination courses and boosters recommended for life in the UK. You should also see your healthcare professional 6-8 weeks before you travel, to see whether they recommend any other vaccinations.

It’s recommended that most travellers receive a tetanus vaccination before they travel. If you’re seen as being at an increased risk of an infectious disease due to your work, lifestyle choices or underlying health conditions, then your healthcare professional may also recommend hepatitis B, Japanese Encephalitis and rabies vaccinations.2

2 Source: TravelHealthPro

Whether you fancy snorkelling in the Great Barrier Reef, scaling Sydney Harbour Bridge or surfing in Byron Bay, you’ll be pleased to know that a number of sports and leisure activities are included as standard in our travel insurance policies. But, if you fancy taking part in something more adventurous, then you may need additional cover. Thankfully our Sports and Leisure Activities insurance can help protect you for some of these activities.

To understand exactly which sports and leisure activities are included within our policies, and to see any terms, exclusions and conditions that apply, please consult your policy documents or the policy information hub

Unsurprisingly, Australia’s incredibly popular with backpackers. From the beaches of Sydney to the country’s Aboriginal landmarks, there’s plenty to discover. If you’re aged 35 or under, our Backpacker insurance can help cover your trip. 

Whether you’re looking to snorkel in the Great Barrier Reef or climb Sydney Harbour Bridge, our Sports and Leisure insurance can provide you with the cover you need. 

If you plan on taking multiple holidays this year, Annual travel insurance may be best for you. Depending on the area of cover you choose, you can be protected for holidays all over the world. So whether you’re exploring the streets of Sydney or Paris, we’ll help cover your trip. 
If you’re taking your whole family on the holiday of a lifetime to Australia, you can put everyone on the same policy with our Family travel insurance. 

If you’re only heading to Australia once this year, then Single Trip travel insurance for Australia may be best for you. You can get cover for up to 180 days, so you’ll have plenty of time to see the sights. 
Medical conditions needn’t be a barrier to travel. If you’re visiting Australia and have a pre-existing medical condition you need to declare, we may be able to provide cover. 

Your retirement years are a great time to explore Australia. With our Seniors travel insurance, you can find the cover that you need.