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Travel insurance for Australia

While travel insurance for Australia isn’t a legal requirement, it’s worth considering when you’re going so far from home.

If you’re ready to get started, you can compare quotes to find cover. Or, find out more about travelling in Australia.

Pictures of Australian landmarks, the Sydney Opera House and the Great Barrier Reef

Do I need travel insurance for Australia?

It isn’t a legal requirement to have travel insurance if you’re travelling to Australia, but it’s worth considering. For starters, getting there involves long-haul flights, often with multiple stops. This means there’s more opportunity for things to go wrong, such as flight cancellations, lost baggage or delays.

Having a policy in place means you’re protected if your holiday is affected by any of these and you need to make a claim on your travel insurance. It also means you’re likely to be covered if your trip is cancelled due to unforeseen circumstances.

What's the best travel insurance for Australia?

While there’s no best type of travel insurance for Australia, some types will suit your needs more than others. 

To help you choose the best one for you, here’s what each type covers:

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Single trip travel insurance

Good for: a single trip to Australia.

These policies cover you for 1 trip to a single destination and normally protect you for up to 31 days. They’re available for solo travellers, couples, families and even groups.

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Annual travel insurance

Good for: Those making multiple trips throughout the year.

These policies cover you for a full 12 months. They can work out cheaper than taking out multiple single trip policies each time you fly, and help cut down on the admin frequent flyers face.

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Backpacker travel insurance

Good for: Long term trips to multiple countries.

These policies cover you for trips to multiple destinations, for 1 to 18 months. They aren’t just for gap years either, and can be handy for longer trips taking in several destinations. 

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Long stay travel insurance

Good for: A single, longer trip to Australia.

These policies give you up to 18 months of cover. You may even be covered for travel to other countries in the same part of the world, though this can vary between policies.

What our travel insurance expert says

“Australia is vast and varied, so the cover you need from your travel insurance depends on what kind of trip you’ve planned. This could be skiing and snowboarding, scuba diving, city breaks or even remote outback retreats.

“Plan what you’re going to do and where you’re going to go on your trip, and make sure your chosen travel insurance policy covers it.”

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What does Australia travel insurance cover?

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Travel insurance usually covers:

Medical bills

If you need emergency medical treatment while you're away in Australia.

Cancellations

Cancellation cover allows you to claim for things like cancelled flights. It comes with most policies.

Emergency repatriation

Policies typically include repatriation cover too. This can help with the cost of getting you home if you're too unwell to fly.

Theft of or damage to your possessions

Baggage cover is included on most policies. It allows you to claims if your possessions are lost or damaged.

Travel disruption

Everything from weather to airline strikes can upend your travel plans. Most policies include some form of travel disruption insurance.

Cross

It normally doesn't cover:

Travelling against FCDO advice

If the Foreign, Commonwealth and Development Office (FCDO) warns against travelling to Australia, and you go anyway, you won't be covered.

Incidents involving drugs and alcohol

Issues that arise while you're intoxicated won't normally be covered by your insurer.

Known events

Events that were known about before you travelled to Australia wouldn't be covered, eg natural disasters that had already occurred.

Extreme sports or activities

Standard travel insurance policies won't normally cover high risk activities. You'll need an add-on called adventure travel insurance to cover you for these.

Changing your mind

Cancelling your holiday because you've changed your mind about it won't count as a valid reason for requesting compensation.

How much is travel insurance for Australia?

Travel insurance prices for Australia: 

Solo traveller

£6.011

Couple

£7.852

Family

£10.973

Australia travel insurance could set you back as little of £6.01.

Just bear in mind that what you pay is unique to you, and is based on a range of factors, from your medical history to your age, to how long you're staying at your chosen destination.  

To see exactly what you'll pay for your cover, get a quote now. It's quick, easy and free!

11Cheapest policy for a 30-year-old with no medical conditions travelling to Australia for 2 weeks. Prices correct as of October 2024.
2Cheapest policy for two 30-year-olds with no medical conditions travelling to Australia for 2 weeks. Prices correct as of October 2024.
3 Cheapest policy for two 30-year-olds and two children aged 5 travelling to Australia for 2 weeks. Prices correct as of October 2024.

What's extras can I add on to my Australia travel insurance policy?

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Adventure travel insurance

Can cover the more adventurous activities a standard travel insurance policy might not, like scuba diving, skydiving or rock climbing. Contact your insurer if you want to add this type of cover onto your policy.

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Cruise insurance

Adds-in cruise specific cover to help your voyage sail that bit smoother. Policies might provide you with things like cover if you need to be flown to land for hospital treatment, or compensation if you're confined to your cabin due to an outbreak of illness.

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Gadget insurance

Most policies include cover for your electronics, but you may have restrictions on what, and how much, you can claim for. Gadget insurance ensures your devices are fully covered if they're lost, stolen, or damaged. This is handy in Australia, where heat can harm your tech.

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Ski insurance

AKA winter sports insurance, this add-on can cover you for snow-sports-specific-scenarios like injuring yourself, or someone else, on the slopes. It can even cover things like lost ski passes and piste closure. Select 'winter sports cover' when getting a quote to compare policies with it.

Medical care in Australia

Thanks to the UK-Australia Reciprocal Healthcare Agreement, Brits travelling down under are entitled to subsidised healthcare via Medicare. This means that urgent or essential medical care is free.

However, there are exclusions. For example, ambulance journeys and medical evacuations aren’t covered, and these can be expensive. Your travel insurance should cover the cost of any fees you’re responsible for, including medical costs and repatriation if necessary.

Do I need a visa for Australia?

Yes, if you’re a British citizen, you need a visa to enter Australia. This is normally an eVisitor visa or an Electronic Travel Authority (ETA). If you’re planning to stay in Australia on a working holiday, you need a working holiday visa.

You also need to hold a full British passport that’s valid for the duration of your trip.

Australia travel tips

Money

The currency is the Australian dollar. Debit and credit cards are widely accepted, but it’s best to take a combination of cash, credit cards and prepaid cards. Remember to contact your bank before you travel to avoid any restrictions or blocks while you’re away.

Safety

Australia can be affected by bushfires, severe floods, cyclones and dust storms, so pay attention to weather warnings. There are several dangerous animal and insect species to be aware of too.

British embassy:

You can find British consulates in Canberra, Sydney, Melbourne, Brisbane and Perth. 

Driving in Australia

Make sure you have an international driving permit. It’s also important to keep plenty of water with you as there's often a great distance between towns. It’s also important to check road conditions and be aware of unsealed roads in remote areas.

Mobile phone coverage

This is normally good in cities and larger towns. However, it can be limited in certain areas, and completely non-existent in more remote regions.

Language

The official language of Australia is English. But people throughout the country speak a variety of indigenous languages too.

Time difference

Australia has 3 time zones: Australian Eastern Standard Time (AEST), Australian Central Standard Time (ACST), and Australian Western Standard Time (AWST).

Other information

Australia has strict rules around what food, animal products and plant products - including anything wooden - you can bring into the country. Check the rules on the Australian Department of Agriculture before you take anything with you, otherwise it may be confiscated at customs.

Need more help with your travel insurance?

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