Whether you’re snorkelling in the Great Barrier Reef, exploring the outback, or sipping flat whites in Melbourne’s laneways, Australia is full of unforgettable experiences. But with long distances and private healthcare costs, it’s important to have the right Australia travel insurance before you go.
Our flexible policies are designed to suit every kind of trip. So, if it’s a short stay, a working holiday, or the start of your backpacking adventure Down Under, you can enjoy your trip to Oz stress-free.
What is Australia travel insurance, and do you need it?
Travel insurance for Australia helps protect you against the unexpected. That could be a medical emergency, a missed flight, or lost luggage during your trip Down Under.
Australia is a dream destination for many UK travellers. From city breaks in Sydney to road trips along the Great Ocean Road, no two trips are the same, and that’s exactly why having Australia travel insurance makes sense. It gives you the reassurance you need to focus on enjoying the adventure.
Emergency medical costs: The UK Government warns that medical treatment in Australia can be expensive, especially if you end up in a private hospital. There’s no NHS-style cover for British travellers, but with InsureandGo travel insurance, we’ll help cover emergency medical expenses and hospital care, should you need it.
Cover for your medical conditions: We know that travel should be for everyone. Just let us know about your pre-existing medical conditions, and we’ll give you a personalised quote. You can also learn more about our medical travel insurance or speak to our friendly team if you have questions.
Get the right cover for your trip: From snorkelling at the Great Barrier Reef to hiking in the Blue Mountains, our policies include cover for over 100 sports and activities as standard. For thrill-seekers, optional extras are available for more adventurous activities too.
Cover for delays and disruptions: If your flight’s delayed or your travel plans take a turn, we’ve got you covered. Our policies help protect against additional costs caused by delays or cancellations—so one hiccup doesn’t ruin your whole trip.
Protect your belongings: Whether it’s a lost suitcase, a stolen camera or a misplaced passport, we include cover for your personal belongings and baggage as standard. You can also add extra cover for valuables like phones, laptops, and other travel tech.
We strive to provide as much cover as possible. However, there are some situations that no travel insurance will cover. For example:
You cannot cover events or reasons to claim that took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you decide not to go
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and the amount of cover available will vary depending on the level of travel insurance you buy. To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
The best travel insurance for your Australia trip
Looking for the best travel insurance for Australia? From policies covering the whole family, to cruise cover and annual travel insurance, find the right policy for you:
Cruise cover: Get covered while at sea and for problems such as cabin confinement and missed port departure
Australia single trip policies: Whether you’re planning the perfect city break or a long leisurely holiday. Tell us where you’re planning on going and we will send you a quote
Which destinations are covered by our Australia travel insurance?
Our Australia travel insurance covers you for trips to Australia and surrounding nearby regions, but it depends on the level of cover you choose.
If you select a single trip policy for Australia, your cover will apply to:
Mainland Australia
Tasmania
Popular Australian territories, like the Whitsunday Islands or Kangaroo Island
Some policies may also include limited visits to stopover destinations (like Singapore or Dubai) if they’re part of your outbound or return journey. However, these must be declared when buying your policy to ensure you’re properly covered.
If you opt for a Worldwide policy (excluding or including the USA, depending on your travel plans), this will give you broader cover for additional destinations alongside Australia.
To make sure you’re fully covered, always let us know your full travel itinerary when getting a quote.
Australia travel insurance with pre-existing medical conditions
Securing travel insurance for medical conditions can be a concern, but there’s no need to worry. We’ll consider any medical condition and do our best to provide the best possible cover. Just follow our simple online screening process when you buy your policy, either over the phone or online.
Examples of medical conditions we can cover include:
We’ll give you your quote, and you can either choose to buy a policy or save the details for later.
Our experts say…
“Australia is a long way from home, so it’s important to make sure you’re properly protected. Our travel insurance for Australia covers medical costs, trip cancellations, and lost belongings, giving you the freedom to explore worry-free. Plus, our activities add on cover gives you the opportunity to experience once in a lifetime activities, such as scuba diving in the Great Barrier Reef, surfing at Bondi Beach, or skydiving over the stunning Australian coastline.”
“I always dread getting our travel insurance with age, pre-existing medical conditions and a long stay. Although it is a long holiday to visit our son in Australia, the person I spoke to was very helpful and suggested ways to reduce the cost for us. Obtaining an Annual insurance was a huge bonus.”
British citizens travelling to Australia will need to apply for a visa. You can either get an eVisitor visa from the Department of Immigration and Border Protection, or an Electronic Travel Authority visa (ETA), which you can get through your travel agent or airline. There are no fees for either visa application, but a service charge will apply if you choose to get an ETA visa.
How much is travel insurance to Australia?
The price of Australian travel insurance can vary. It depends on things like how long you’re going for and whether you need travel insurance for medical conditions. Travel insurance for Australia is more expensive than for Europe because claims costs can be higher. We have four levels of cover -Budget, Silver, Gold and Black – so we’re sure to have a policy that suits you.
What travel insurance do I need for Australia?
When buying travel insurance for Australia, make sure you’re fully covered. Think about the cost of your trip and the things you’ll be taking with you. Choose a policy with enough cover that you’ll get your money back if something goes wrong. Holidays to Australia can be covered by single trip policies or by worldwide annual multi-trip travel insurance.
How much is travel insurance for a year in Australia?
Holiday insurance to Australia can vary in price. How much you pay will depend on your age, whether you have any medical conditions, and what you’ll be doing while you’re there. If you’ll be in Australia for a whole year, our single trip travel insurance can cover you. Just enter your trip dates and a few other details, and we’ll give you a quote!
Do you need travel insurance in Australia?
Yes! You should take travel insurance wherever you’re going. Australian travel insurance can cover the cost of your holiday, your belongings, and any unexpected medical costs. You need to make sure you’re covered so that you don’t end up out of pocket if anything happens. If you’re planning a family adventure together, don’t forget family holiday insurance.
Can I get insurance for backpacking in Australia?
Backpacker policies cover you for several things, including the below.
Medical expenses
Baggage
Cancellation
Personal liability (if you injure someone or damage their property)
Over 100 adventure sports and activities
You can include our extreme sports travel insurance if you’re feeling extra adventurous. This option covers you for additional activities, including paragliding, sea kayaking and quad biking.
Healthcare in Australia
Because Australia has a reciprocal healthcare agreement with the UK, some of your medical costs may be covered while you’re on holiday. But it’s still important to have travel insurance to cover any other potential costs, including the costs of flying you home if you’re unwell.
Can you help if I need medical treatment while in Australia?
Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.
If you need emergency medical assistance, just give our team a call any time, day or night.
Who can buy an InsureandGo Australia travel insurance policy?
All our Australia travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
