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Visiting Australia? Consider Travel Insurance

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Different types of travel insurance

Do you need travel insurance for australia, which credit cards offer australia travel insurance, other ways to get travel insurance, if you want to get travel insurance for australia.

Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance . Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance . Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance . Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance . Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance . Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance . A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance . Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

» Learn more: The best travel insurance companies, according to Nerds

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

» Learn more: What you need to know before shopping for travel insurance

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.

Many Chase credit cards offer primary rental car insurance, which will cover you in the event of an accident without needing to involve your personal auto insurance company. You’ll need to decline the rental car company’s coverage and pay with your eligible Chase card .

You can find trip delay insurance, emergency medical evacuation, lost baggage coverage and more among the different protections offered by these cards. Here are some of the more common travel cards that provide complimentary travel insurance.

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express . Terms apply.

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

United℠ Explorer Card .

You’ll want to read each card’s benefits guide very carefully before deciding which card to use. For example, both the The Platinum Card® from American Express and the Chase Sapphire Reserve® offer lost luggage insurance. Terms apply.

However, insurance from the The Platinum Card® from American Express only applies in the event that you’ve either paid for the full fare with your AmEx card or have redeemed your AmEx points for the flight. Using your card to pay the taxes and fees on an award flight you’ve booked elsewhere — such as redeeming Delta SkyMiles for your flight — does not mean that you’ll receive insurance coverage benefits. Terms apply.

This is in contrast to the Chase Sapphire Reserve® , whose lost luggage benefit is much more generous. In the event that your luggage is lost, you need only have paid the remainder of the charges for the flight after redeeming reward miles, points, coupons or other certificates. This means that charging just the taxes and fees on your card renders you eligible for benefits.

Aside from American Express and Chase cards, you may also want to consider the Capital One Venture X Rewards Credit Card .

Capital One’s offering includes a plethora of travel insurance benefits, including primary rental car insurance, travel accident insurance, trip cancellation and interruption insurance, lost luggage reimbursement, trip delay reimbursement, travel and emergency assistive services and more. Of course, in order to qualify for these benefits, you’ll need to have charged the trip to your card. Benefits may change over time.

» Learn more: The best credit cards with travel insurance

Even if your card provides complimentary travel insurance, you may also want to consider acquiring an additional policy — especially if you’re planning on some of the more adventurous activities you’ll find within Australia, such as camping in the Outback.

Health insurance benefits provided by credit cards such as the Chase Sapphire Reserve® max out at relatively low levels, which may mean you end up paying out of pocket in the event of an emergency.

If you’re looking for a supplemental policy, you’ll want to check quotes from a variety of providers. You can do this manually, but websites such as Squaremouth will compare multiple policies at once, making it much easier to peruse offerings. You can also filter your search according to the type of coverage you’d like.

» Learn more: Is travel insurance worth it?

Travel insurance can provide peace of mind to the wary traveler. Whether or not you’re interested in purchasing travel insurance, a variety of credit cards offer complimentary coverage for incidents such as trip delays, emergency medical care, rental car collisions and lost luggage.

Otherwise, you may want to consider buying an additional policy to ensure that you’re covered. If this is what you’re looking to do, make sure to acquire quotes from a variety of providers in order to find the best deal possible.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Insurance for Australia in 2024

Travelex Insurance Services »

Allianz Travel Insurance »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Australia.

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• Travelex Insurance Services
• Allianz Travel Insurance

Most travelers heading "Down Under" need to make quite the trek, and that's especially true for those planning a trip to Australia from the United States. Flying from Los Angeles to Sydney takes around 15 hours, and even more travel time is required to get to Melbourne and other destinations that require a layover on the way.

Plenty can go wrong en route to Australia as well as once you get there, and the potential for financial losses can be great if you're not careful. Not only can traveling long distances increase the risk of travel delays, but you also face the risk of flight cancellations, baggage delays, lost baggage and missed connections.

These are just some of the reasons why it makes sense to have a robust travel insurance plan in place before you fly overseas for a vacation in Australia. While any reputable travel insurance provider can provide you with protection for emergency medical expenses, your bags, travel delays and other various travel mishaps, we curated this list of top travel insurance plans for a trip to Australia specifically.

Frequently Asked Questions

Travel to Australia requires a huge commitment in terms of travel time and cost, which is why you'll want to make sure you have coverage that can reimburse you if something goes wrong. If your flight is delayed or canceled , your bags are lost in transit, or a missed connection leaves you stuck in another country for several days, having travel insurance means you can get reimbursement for unexpected hotel stays, meals you have to pay for and various incidental expenses.

Having travel insurance for Australia that includes medical coverage is also crucial since coverage provided in U.S. health plans will not apply.

Some travel credit cards offer coverage for trip cancellations or interruptions, travel delays, and lost or delayed baggage. However, credit cards are a poor source for coverage that protects against emergency medical expenses. Most credit cards do not offer coverage for emergency medical expenses or emergency medical evacuation at all, and those that do (such as the Chase Sapphire Reserve ) have insufficient coverage limits.

• Travelex Insurance Services: Best for Families
• Allianz Travel Insurance: Best for Flexible Cancellations
• Generali Global Assistance: Best for Medical Emergencies
• World Nomads Travel Insurance: Best for Adventure Travel
• GeoBlue: Best for Travel Health Insurance

Kids ages 17 and younger are covered automatically with Travel Select plan

Primary coverage with no deductibles

Lower limits for medical expenses than some providers

• 100% trip cancellation coverage worth up to $50,000
• 150% trip interruption coverage worth up to $75,000
• Trip delay coverage worth up to $2,000 for delays of five hours or longer ($200 daily limit applies)
• Missed connection coverage worth up to $750 for delays of three hours or longer
• Up to $50,000 in protection for emergency medical expenses (dental sublimit of $500)
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $1,000 in coverage for baggage and personal effects
• Up to $200 in coverage for baggage delays of 12 hours or longer
• Up to $200 in coverage for sporting equipment delays of 24 hours or longer
• $25,000 in coverage for accidental death and dismemberment (AD&D)

Optional CFAR coverage reimburses at 80%

Numerous plans to choose from

Lower coverage limits for medical expenses than some providers

• Up to $100,000 per traveler in coverage for trip cancellations
• Up to $150,000 per traveler in coverage for trip interruptions
• Up to $500 per traveler in Trip Change Protector coverage
• Up to $50,000 in emergency medical coverage per traveler
• Up to $500,000 for emergency medical transportation per traveler
• Up to $1,000 toward baggage loss or damage per traveler
• Up to $300 per traveler in coverage for baggage delays of 12 hours or more
• Up to $800 in protection for travel delays per traveler (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Tailor medical coverage to your needs

Generous limits for emergency medical and medical evacuation coverage

Coverage for preexisting conditions only available with Premium plan

Optional CFAR coverage with Premium plan only reimburses at 60%

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection; $500 for delays
• Up to $2,000 per person in coverage for sporting equipment; $500 for delays
• Up to $1,000 per person in missed connection coverage
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation ($10,000 limit for companion hospitality expenses)
• Up to $25,000 per person in rental car coverage
• Accidental death and dismemberment coverage

Coverage for more than 200 sports and activities

24-hour travel assistance services included

Low coverage limits within standard plans

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellations
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Offers travel health insurance for lengthy trips abroad

Deductibles can apply

Some plans require a primary U.S. health insurance plan

• Up to $1,000,000 medical maximum per insured person
• Up to $500,000 in coverage for emergency medical evacuation per trip
• Up to $50,000 in coverage for accidental death and dismemberment
• Up to $2,500 in coverage for emergency family travel arrangements
• Up to $25,000 in medical coverage for hazardous activities like skiing and diving
• Up to $500 per trip in lost baggage and personal effects coverage ($100 limit per bag)
• Up to $1,000 per trip period in post-departure trip interruption transportation
• Up to $50 per day in post-departure trip interruption quarantine coverage (in the case of COVID-19)
• Up to $25,000 in protection for repatriation of remains

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering topics like family travel, cruises, all-inclusive resorts and travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Currently, Johnson uses an annual travel insurance policy from Allianz to cover her family's many trips overseas each year. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

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• Travel Insurance

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Our Guide To The Best Family Travel Insurance For Australians

Updated: Mar 13, 2024, 12:31pm

Table of Contents

What is family travel insurance, should i take out family travel insurance, what types of family travel insurance are there, what does family travel insurance cover, what does family travel insurance exclude, how much does family travel insurance cost, frequently asked questions (faqs).

A family holiday can be the experience of a lifetime, often jam-packed with day trips and activities for both the adults and kids to enjoy.

However, travelling in numbers, following complex itineraries and taking long trips to other continents, as many Australians do, can provide plenty of opportunity for something to go wrong and potentially ruin the getaway.

Family travel insurance can cover you losing your luggage en route to Bali, the little one breaking an arm on a waterslide, and even needing to cancel the holiday due to the whole family falling ill. We explain how it works below.

Related: Our Pick of the Best Comprehensive Travel Insurance for Australians

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Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

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Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Unlimited, with a $2000 limit on dental

$2,500 with option to increase to unlimited

You can take out separate cover for each person in a party, but many providers also offer the option to cover a family in one go, on one policy. To be considered a family, you and your partner must be travelling with children, who are your dependents, are not in full-time work and depending on the provider, are aged under 18 to 25. Often providers will accept parents, step-parents or legal guardians going on holiday with their children, or step-children and grandparents travelling with their grandchildren.

When running quotes on an insurer’s website you may or may not come across an option specifically for family cover. Either way, you’ll be required to state the number of people travelling and their ages, which will enable you to view quotes for policies suitable for families.

Travellers may choose family travel insurance over purchasing individual policies for each family member for the following reasons:

• Lower costs: Family cover can be the cheaper option, but not always so it’s best to compare individual policies too.
• Less paperwork: You and the rest of your family will all be on the same policy, and typically will have the same cover levels, so you won’t have tonnes of form-filling.
• Shorter application process: You’ll be able to take out cover for all family members at the same time, rather than going through the application process multiple times.

To be considered a family, you and your partner must be travelling with children, who are your dependents, are not in full-time work and depending on the provider, are aged under 18 to 25.

Family travel insurance may not be the best option if you are:

• Travelling with a mature relative: travel insurance tends to rise in cost the older you are, owing to the increased risk of falling ill while away. As mature relatives can bump up the cost of a policy, it may be worth insuring them separately.
• Travelling with someone who has a medical condition: Insurers refer to medical conditions travellers had before taking out cover as ‘pre-existing’, and some don’t cover these conditions. Those that do may charge extra, which can raise the overall cost of a family policy. Taking out separate cover for relatives with pre-existing conditions can sometimes work out cheaper.

As with other forms of travel insurance, there are three main options when taking out cover for the family:

Single trip: This type of policy covers a one-off holiday taken within the space of 12 months. Annual Multi-trip: It can be more cost-effective to opt for this type of policy if you and your family intend to take more than one holiday in the next year, and you’re able to plan your vacation well in advance. Long-stay: You’ll need this type of policy if you intend to travel for longer than 31 days, typically. Depending on the provider, cover can last for six, 12, 18 and even 24 months.

The various types of cover provided by family travel insurance is wide ranging and differs between policies. Common forms include:

• Emergency medical expenses: Covers the cost of treatment should a member of the party fall ill or get injured while away. Comprehensive policies often offer no limit on this cover.
• Trip cancellation: Pays out should an emergency such as illness or bereavement prevent your trip from going ahead.
• Baggage and belongings: Covers your luggage and personal effects. Look out for a total limit on cover as well as sub-limits for individual items.
• Passport and personal documents: Covers the cost of replacing travel documents if lost or stolen.
• Personal liability: covers you or a family member that injures someone else or damages someone’s property.

Policies will usually protect you and your family for an array of sports and activities, but cover for winter sports, and cruise holidays often come at an additional cost through ‘add-on’ packs.

Looking through the product disclosure statement (PDS) of a travel insurance policy is a crucial prerequisite to purchasing cover, as it will list exactly what the policy covers but also any restrictions and exclusions and sub limits that apply. While these all can differ between policies, generally you can expect most insures to refuse claims that are the result of:

• Intoxication and disorderly behaviour: an insurer is unlikely to pay out if your claim resulted from being under the influence of alcohol or drugs, or reckless behaviour.
• A pre-existing condition you didn’t declare: some travel insurance providers do not cover pre-existing medical conditions. If they do, you’ll need to declare these conditions during the medical screening section of the application to make a related claim in the future.
• Injury caused when not wearing safety gear: Insurers often refuse injury claims caused by taking part in a sport or activity, where the traveller did not wear the appropriate safety gear, such as a helmet, harness or knee pads.
• Travelling against official advice: All travellers should make sure to regularly refer to the government’s Smartraveller updates on the status of their holiday destination. Travelling to a destination on the Smartraveller’s “do not travel” list, such as Iran or Yemen, can invalidate your policy.

The cost of family travel insurance varies between providers, but they tend to consider holiday destination and length, the age of all members of the party and whether anyone has any pre-existing conditions among other factors when determining price.

To provide an idea of how much a comprehensive policy can cost we ran quotes for a family spending 13 to 26 May in Bali, on the website of the top five insurers we consider to offer the best travel insurance. You can view our full ranking to see how our top 10 picks compare.

We used the profile of a family of four, aged 42, 40, 14, and 12, all without pre-existing conditions, though all five providers cover pre-existing conditions. Note: quotes will likely be higher for this form of protection. You can find the quotes below, including the maximum number of dependents that can be covered by the insurer:

Each also offers an unlimited amount of emergency medical cover, while the policies from Travel Insurance Direct, Bupa Travel Insurance and insure4less additionally include cover for unexpected dental issues. All policies also cover travel delay, baggage and belongings, travel documents and passports, accidental death and permanent disability should you or another member of the family suffer life changing injury. For a full breakdown of the full range of cover a policy offers, you can read its PDS.

When considering the cost of a policy, it’s also important to weigh up price against the excess it levies. This is the set portion of each claim amount you’ll be expected to pay, subject to certain exclusions as detailed in the PDS. Allianz and insure4less levies a standard excess of $200 on its policy. Bupa charges $250 in excess and InsureandGo, $100. Travel Insurance Direct does not readily state the excess amount payable on its policy online. Allianz and Bupa levies excess per incident, while insure4less applies it per person per incident. InsureandGo expects an excess payment per person, per incident, per section of the policy you are claiming under.

All providers offer more basic policies with lower levels of cover for a lower premium, and some also allow you to choose the excess level. Generally, opting to pay less in excess will raise the policy price, while paying more will lower it.

Can I buy travel insurance after arrival?

While you can buy travel insurance while away, it’s best to take out cover as soon as you book your trip. This will provide you with immediate protection should you have to cancel your holiday due to an emergency. Also, if you take out cover during your holiday, you may be subjected to a waiting period of three days or so before you can claim on your policy.

Does travel insurance cover the whole family?

Travel insurers set their own limits on the number of dependents they cover on their family travel insurance policies. Usually, they will insure up to six or eight children and two adults. Certain policies may offer cover for an unlimited number of dependents.

Do I need travel insurance for my child?

While travel insurance isn’t usually a legal obligation for children or adults, it can offer a vital form of protection, covering large expenses, such as emergency medical costs, that often reach into the tens of thousands of dollars.

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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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Australia Travel Insurance for Visitors

Travel insurance and safety advice for visitors to australia.

Learn what you need to know about travel insurance and safety for an Australian journey, including our top seven tips for safe travel.

Do I Need Travel Insurance for Australia?

You are not required to have travel insurance to visit Australia, but it is strongly encouraged. Australia’s government travel authority says, “ If you can't afford travel insurance, you can't afford to travel.”

Medical care in Australia can be expensive for travelers and visitors. A doctor or dentist visit can cost hundreds of dollars. Most hospital stays, for emergencies or illnesses, cost a visitor several thousand dollars – often more. Visitor health coverage in Australia is worth the investment if you get sick or injured.

Read the fine print of your travel insurance before you sign up for a plan. Try to match the insurance coverage with your trip plans and coverage needs. If you are scuba diving at the Great Barrier Reef, for example, make sure appropriate adventure sports insurance is included when considering travel insurance policies. If you have pre-existing medical conditions, make sure those will be treated with the coverage you select.

Some Countries Share Reciprocal Health Care with Australia – and Their Visitors Still Choose Travel Insurance

People from some countries can receive coverage for emergency health care in Australia as part of a reciprocal health care agreement. These countries include the United Kingdom, Ireland, New Zealand, the Netherlands, Sweden, Finland, Italy, and Malta.

However, travelers from these countries still purchase travel insurance with comprehensive health coverage for visits to Australia. Travel health insurance provides many more benefits than basic emergency care. These can include repatriation support or special travel accommodations after an emergency.

Related: Health Insurance in Australia for Expats and Foreigners

What Vaccinations Are Required for Travel to Australia?

Travelers who have been in a yellow fever danger zone within six days before their arrival in Australia also need to show proof of vaccination against yellow fever.

You may want a rabies vaccine if you plan on outdoor activities, like caving or conservation volunteering, where you might get bitten by a bat. While Australia is rabies-free, its bats can carry the closely related illness, Australian bat lyssavirus (ABLV), which the rabies vaccine also protects against. Get the rabies vaccine two weeks before you travel, and bring proof of vaccination with you.

Starting in November 2021, travelers to Australia had to be vaccinated against COVID-19. However, that requirement was lifted in July 2022. For the latest information about COVID-19 and travel from Australia, visit the Department of Home Affairs . Since issues around the COVID-19 pandemic change rapidly, you should also keep up to date with the  Australia Travel Declaration in case it becomes necessary again.

Bring Your Necessary Medications and Prescriptions

You need to bring your own medications to Australia, and it’s helpful to bring printed copies of your necessary prescriptions. When packing your medication for your trip, leave all medication in its original, labeled container. Try to bring enough to cover your entire trip. For any medications you need, also bring a prescription and note from your doctor containing the generic name of the drug and an explanation of why you need the medication.

Some drugs found over-the-counter in your home may need a prescription in Australia. These include oral contraceptives, asthma medication, all antibiotics, and medicine for pre-existing medical conditions.

Get Online Travel Insurance Quotes for Australia

You should have travel insurance that includes visitor health cover and cover for theft, evacuation, repatriation, and trip interruption. We have two recommendations for the best travel insurance for visitors to Australia.

For most travelers to Australia, we recommend the Atlas Travel Insurance plan for affordable global coverage. For US citizens traveling to Australia, we recommend GeoBlue Voyager Insurance. This is a premium option with a high level of coverage for a slightly higher rate. Get quotes for each of these options here.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Seven Top Tips for Travel Safety in Australia

Here are our top seven tips for safe travel and travel insurance in Australia. With common sense and good travel insurance, you can prepare for every adventure Australia offers.

1.       Be Sensible Around Personal Security

Australia is a relatively safe destination for personal security. Take special care when out late at night in city centers. Do you plan on enjoying the nightlife? Have fun, but don’t leave drinks unattended or accept drinks from strangers. And only get rides from licensed taxis or rideshare providers.

If you are staying in a quiet rural area, lock your doors, and keep valuables and luggage in your lodging, not in your vehicle. Tourist rental cars sometimes get broken into at remote parking lots for natural attractions. A travel insurance plan with theft and loss coverage will support you if this happens.

2.       Stay Informed With Australian Travel Warnings and Updates

Australian emergency services provide travel warnings and updates. Check the Australian Bureau of Meteorolog y for reports about weather and, in summer, bush fires.

In 2019 and 2020, extreme bush fires in Australia made international news. If you are visiting an area and a bush fire breaks out, follow local evacuation orders. Travel insurance can support you if your plan covers evacuation and accommodation around emergencies or travel delays.

3.       Prepare for Weather Extremes – Sun and Heat, Dryness and Rain

Out of all the outdoor perils in Australia, you are most likely to encounter the harsh sun. The saying Down Under is "slip, slop, and slap" – slip on a shirt, slop on lots of sunscreen, and slap on a hat. Even schoolchildren wear hats and long sleeves to go outside at recess. Sunscreen is required, too. Australian high-SPF sunscreens, starting at 30 SPF, are made for Australian conditions. A good visitor health plan will cover you if you need emergency care for an extreme sunburn – but you’ll still have to deal with discomfort and inconvenience.

Australian weather can be extreme. A warm day can cool down to a chilly evening. Summer days in desert areas like Alice Springs can reach over 100 degrees Fahrenheit (38 degrees Celsius). The intense sun can be dry and thirst-inducing one day, and the next day can bring monsoon-like rains. When you go on night-time tours, it can get extremely cold. Bring layers of clothing to wear, and accessorize with your favorite hat and water bottle.

4.       Watch Out for Wildlife

Australian wildlife is famous for being venomous, poisonous, and dangerous. You are most likely to encounter the smaller venomous animals. Snakes often bask by roadsides, in parking lots, and on hiking trails. Spiders love to sneak into human bathrooms and surprise you at night. To avoid both, wear shoes or sandals, and shake out clothes and footwear before you put them on. In the water, watch out for jellyfish. Australians nickname them "stingers"  because of their often powerful and occasionally fatal sting. Beaches that have a lot of jellyfish usually post warning signs.

Most people are wary around sharks and crocodiles in Australian waters. Swim securely at beaches with lifeguards and other people around. Lifeguards will warn you if they see or hear about risky creatures. Lifeguards can also provide first aid and get you to help. A beautiful beach with no swimmers and no lifeguards may conceal dangerous creatures!

The smallest animals in Australia can make you very uncomfortable. Insects like mosquitos, ticks, and sandflies are major pests. Mosquitos can carry diseases, including dengue fever, encephalitis, and Ross River virus. Sandfly bites are notorious for being very uncomfortable.

Protect yourself from insect stings. Wear long sleeves and full-length trousers. Sleep in rooms with screened windows. And invest in Australian insect repellent with at least 20% DEET, even if you wouldn't use it normally. If an insect bite is swollen or infected, get emergency care for the reaction. This will be covered by a good travel health insurance plan.

5.       Swim and Boat Safely

Australia is full of beautiful beaches and idyllic rivers. The first point of being safe around them is, again, to swim at beaches with lifeguards and other people. If a beach or a river is empty of people, there is often a good reason for that: contaminated water, dangerous currents, or the presence of sharks and crocodiles.

Visitors often rent jet skis, kayaks, and other boating equipment. Follow the safety instructions and laws when you hire these and go out on the water. Always wear a life jacket, and never go out on unfamiliar waters alone. If you’re planning on jet skis and kayaks, boost your travel insurance with adventure sports coverage.

6.       Driving the Outback? Be Prepared

Adventure-minded travelers love to hit the road in Australia. In Australia, the road rules are to drive on the left side of the road. Not familiar with this? Take some time to practice in a quiet area. A car rental location can often tell you a good area nearby to practice Australian driving.

For long rural drives in Australia, know that you are driving through remote deserts. Bring extra gasoline, water and food in your vehicle. Let someone know when you are leaving, where you are going, and when you expect to arrive. If you are looking at Google maps and you don’t see any small towns or buildings, that means no places to buy food or fuel. So be prepared!

Roads in the Outback are often unpaved, dusty and stony. Watch out for rocks damaging axles and stones chipping windscreens. If it rains, you can suddenly be driving in a stream bed. Most distressing of all, if you don’t drive carefully, you might hit an animal, especially at night. Kangaroo-and-car collisions are very common. Make sure that you have comprehensive vehicle insurance so that all these things are covered – even the kangaroo collision.

7.       Get Ready When Hiking or Tramping

Hiking or tramping in the Outback or natural parks like the Blue Mountains calls for extra safety, too. Here are some of the basics for hiking safely in Australia. Planning to hike? Definitely learn more before you go.

Again, let someone know where you are going and when you expect to be back. You may ask a local if anything unusual has happened in the area where you plan to hike, such as a forest fire. Bring more food and water than you need and first aid supplies. Dress for the extremes of the weather where you are going. Serious hikers can rent a satellite phone or a personal locator beacon in case of emergency. Consider buying Emergency Evacuation Insurance which will transport you to the closest medical facility able to handle your injury or illness.

The best safety aid in the Outback is an experienced guide. Guides will provide first aid, communication help, and knowledge of the country. Hiring a local guide is an excellent way to support Australia’s many indigenous communities. A good guide makes your Outback journey far safer and truly special.

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Australia travel information & requirements

Do i need travel insurance to visit australia, what does travel insurance for australia cover, what isn’t covered by travel insurance for australia, how much does travel insurance for australia cost, tips for getting the best australia travel insurance, australia travel insurance faqs, related topics.

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

• To travel to Australia, you must have a valid U.S. passport , but you don’t need a visa.
• The Australian government doesn’t require American tourists to purchase travel insurance, but it’s wise to have at least medical and medical evacuation coverage since your U.S. health insurance won’t work in Australia .
• In addition to medical emergencies, travel insurance can also cover things like trip cancellations, trip interruptions and rental car damage .
• According to our research, our top picks for travel insurance for Australia come from Travel Insured, Travelex and Faye ( skip ahead to view these plans ).
• We recommend using an online comparison tool to find the best travel insurance policy to suit your needs.

Whether you want to explore the Outback or attend an opera in Sydney, there’s always a chance that something will go wrong during a trip to Australia. To protect yourself, we recommend purchasing travel insurance tailored to your unique needs. 

We created this guide to help you understand:

• Why you might need travel insurance during your Australian vacation
• What travel insurance covers
• How much travel insurance costs for a trip to Australia
• How to select a comprehensive travel insurance policy

Our top picks for the best australia travel insurance

• Travel Insured International: Best for Robust Coverage
• Travelex Insurance Services: Best for Basic Medical Coverage
• Faye Travel Insurance: Best for Digital Claims Process & App

Our top picks for travel insurance for Australia

Travel insured international, travelex insurance services, faye travel insurance.

Are there COVID-19 restrictions for U.S. tourists?

No. Australia has no COVID-19-related restrictions for American travelers. However, the Australian government does recommend getting the COVID-19 vaccine, wearing masks and practicing good hygiene.

Do I need a visa or passport to travel to Australia?

Yes. You need a valid U.S. passport with at least one blank page for your entry stamp.

Is it safe to visit Australia?

The United States and Australia have a strong diplomatic relationship. Although there’s always some level of risk involved in traveling to a foreign country, Australia is generally safe for Americans. The U.S. Department of State has issued a  Level 1 travel advisory , indicating that you don’t need to take any special safety precautions when visiting the “Land Down Under.”

Australia doesn’t require U.S. tourists to buy travel insurance, but we highly recommend purchasing a comprehensive policy before your trip commences.

Below are some risks you may encounter that would make purchasing travel insurance worthwhile .

Risks with adventure activities

Australia is one of the best places to visit if you love parasailing, paragliding, hot air ballooning, diving and other adventure activities. Unfortunately, these activities are risky, so there’s a chance that you’ll break a bone or sustain some other type of injury.

Travel insurance covers medical expenses and other costs associated with these injuries, ensuring you don’t end up with a huge hospital bill. This type of insurance is especially helpful if you plan to explore the Great Barrier Reef, take an excursion into the Outback or swim near the shoreline of one of Australia’s beautiful beaches.

Risks due to wildlife

Australia is full of dangerous critters, from venomous spiders and snakes to aggressive kangaroos. Depending on where you visit, you may end up encountering an unfriendly Tasmanian devil. U.S. medical insurance typically doesn’t work in Australia, so it’s important to have travel insurance for these unexpected situations. If you’re bitten by a Tasmanian devil or sustain some other wildlife-related injury, travel insurance takes the place of your regular medical insurance.

Risks due to bushfires

Bushfires  have a high heat output and can cause a significant amount of damage in a short amount of time. If you find yourself in Australia during one of these fires, you may have to contend with damage to your rental car or your personal belongings. Comprehensive travel insurance may reimburse you for damaged or destroyed items, or it may reimburse your rental car agency for the cost of repairing or replacing a damaged vehicle.

Risks related to long-distance driving

Australia has many isolated regions that are hundreds of miles from the nearest populated area. You may have to drive several hundred miles to reach your destination, so it’s important to have travel insurance before you set off on an adventure.

Travel insurance covers a wide range of circumstances, including the ones below.

Trip cancellation insurance

It’s never fun to cancel a vacation you’ve been looking forward to for months, but it’s even worse when a cancellation results in significant financial losses. Trip cancellation insurance protects you if you have to cancel your trip to Australia for a covered reason. For example, if one of your travel companions is diagnosed with advanced cancer before your departure date, you can use your insurance to recoup pre-paid, nonrefundable expenses.

If you want to have coverage for any type of circustance, you can purchase cancel for any reason (CFAR) insurance . Typically sold as an add-on, this type of coverage will reimburse you for around 50% to 70% of your total prepaid costs .

Trip delay insurance

To get to Australia, you may have to rely on the services of multiple common carriers. For example, you may have to fly to Australia and then take a ferry to your final destination. Trip delay insurance reimburses you for any expenses you incur as the result of a common carrier delay. If your flight is canceled, for example, your insurer may reimburse you for meals, additional transportation costs and other related expenses.

Trip interruption insurance

Imagine that you arrive in Australia, enjoy a few days of fun and then come down with a severe illness. You’re so sick that you have to return to the United States sooner than expected. Trip interruption insurance reimburses your pre-paid, nonrefundable expenses in this type of scenario. It should also cover the cost of adjusting your travel plans or accessing emergency assistance services.

Travel medical insurance

As noted previously, you probably won’t be able to use your U.S. health insurance in Australia . Therefore, it’s important to have travel medical insurance to cover things like nursing care, hospitalization, blood tests, CT scans and other healthcare services. If you’re injured while snorkeling or suddenly develop appendicitis during your trip, you can rest easy knowing that your medical expenses are covered.

Medical evacuation insurance

If you’re injured in the Outback, you can’t exactly hop in a cab and get to a hospital within a few minutes. Medical evacuation insurance covers the cost of transporting you to a healthcare facility that’s capable of meeting your needs. For example, if you need emergency assistance, your policy may cover the cost of air medical services (like helicopter transportation).

Insurance for personal items

We recommend that you leave your valuables at home, but if you just have to take jewelry, designer clothing or expensive sports equipment on your trip, make sure your travel insurance includes coverage for lost, stolen and damaged items. This type of coverage reimburses you if a common carrier loses or damages your luggage or its contents.

Rental car coverage

Rental car coverage can protect you under the following circumstances:

• You’re involved in an auto accident caused by someone else.
• Someone vandalizes your rental vehicle.
• Someone steals your rental vehicle.

If your policy includes this type of coverage, your insurer will reimburse the rental agency any time you experience a covered loss. For example, if you get into a fender-bender in one of Sydney’s famous traffic jams, your insurance company should reimburse the rental agency for the cost of repairs.

Travel insurance for Australia doesn’t cover the following:

• Pre-existing conditions: If you’re diagnosed with a medical condition like asthma or diabetes before you buy your travel insurance, your insurer won’t pay for medical expenses associated with that diagnosis. In some cases, however, you can opt for a plan with a waiver. This can ensure coverage for pre-existing conditions during your trip.
• Illegal activities: Travel insurance doesn’t cover expenses arising from any illegal activities, such as injuries that occur while under the influence of illicit substances.
• Fear of travel: If you book a trip and then suddenly develop a fear of flying, your insurance company won’t reimburse you for your pre-paid expenses. The same applies to a fear of seeing a spider or encountering a Tasmanian devil during your trip.
• Expected events: Travel insurance doesn’t cover expenses associated with events that you knew about (or should have known about) before a trip. For example, if you book a trip and buy insurance after a named storm has started developing, your insurer won’t reimburse you if the storm forces you to cancel or interrupt your trip.

For a trip to Australia, we found that the cost of travel insurance ranges from less than $1 per day to around $11 per day depending on the type of coverage.

To give you a better idea, we requested multiple quotes from leading travel insurance providers.

These quotes are based on the following criteria:

• Age: 35 years old
• Destination: Australia
• Trip Length: 7 days
• Trip cost: $2,000

You can see our quotes for basic travel insurance in the following table. The cheapest travel insurance plan costs just under $1 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The plans in this next table are more comprehensive. In addition to medical and medical evacuation coverage, they also include trip cancellation and trip interruption coverage. According to our quotes, these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Your costs won’t be exactly the same, as insurance companies base their premiums on these factors:

• Trip cost: Insurance companies reimburse you for up to 100% of your prepaid, nonrefundable expenses. The more your trip costs, the more your insurance provider has to pay you if you experience a covered loss. Therefore, the cost of your insurance plan depends on the cost of your trip.
• Age: Older people are more likely to develop serious medical problems while traveling, so it costs more to insure a 60-year-old or 70-year-old traveler than it does to insure someone in their 20s.
• Insurance benefits: Some travel insurance plans come with more benefits than others. For example, a plan that offers $1 million in medical evacuation coverage will cost more than a plan that comes with only $100,000 in medical evacuation coverage.
• Destination: Some destinations are riskier than others, so insurance companies charge different rates based on your itinerary.
• Add-on coverage: You may need to purchase add-on coverage, such as insurance for adventure activities. If so, you’ll pay an additional premium for the extra benefits.

To find the best travel insurance for your needs, follow these tips:

Consider how you’re getting to and around Australia.

You’ll have to take an airplane from the United States to Australia, but depending on your plans, you may also need to ride a train or take a ferry at some point. The more carriers you use, the more likely you are to experience delays and other problems, increasing the amount of coverage needed.

Think carefully about what you plan to do.

If you want to visit the Sydney Opera House and check out the Australian Museum, you won’t need as much coverage as someone who plans to camp in the Outback or go parasailing over the Gold Coast. You may also want to limit your cancellation costs by purchasing cancel-for-any-reason coverage.

Time your purchase carefully.

Although you can buy Overseas Visitors Cover when you arrive, it’s typically cheaper to purchase travel insurance well in advance of your trip.

What travel insurance do I need to travel to Australia?

You’re not required to purchase travel insurance for Australia, but we highly recommend that you do. You never know when you’re going to have an emergency or encounter some kind of problem during a trip. To find the right policy to suit your needs, try using an online comparison tool .

Does American health insurance work in Australia?

In most cases, no. Medicare and Medicaid only work in the United States, and most private health insurance companies will only cover expenses if you use U.S. medical facilities.

Can foreigners buy travel insurance in Australia?

When you travel to Australia, you have the option of buying Overseas Visitors Cover. However, not many companies provide this type of coverage. There may also be waiting periods for medical coverage. Therefore, we recommend that you buy travel insurance before you leave the United States.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Visitors’ Travel Insurance Australia

Find the right travel insurance if you’re an overseas visitor to Australia by comparing policies with Savvy.

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An Australian holiday can be an unforgettable experience. Whether you’re itching to soak up our breathtaking vistas or experience the culture of our capital cities, visitors’ travel insurance can give you peace of mind and help make your trip Down Under a magical one.

If you’re tossing up who to choose, Savvy can help. Completing a quick comparison with us allows you to weigh up the strengths and weaknesses of each provider and their respective policies, which means saving time and money on endless searches and guesswork. Start comparing with Savvy today and find your perfect policy today.

What is visitors’ travel insurance and how does it work?

Visitors' travel insurance, or inbound travel insurance, is a type of coverage non-residents and tourists coming from overseas can purchase from Australian insurers which cover them for a short stay in Australia. You can take out this specific type of policy if you're visiting on holiday or working in the country temporarily.

Visitors’ travel insurance provides you cover for any medical treatment, cancellation or delay expenses and a range of other incidentals. People who purchase one of these policies must be a non-resident of Australia who is travelling exclusively within the country.

This type of coverage can cover you if you’re stopping over in Australia on your way to another holiday destination, as long as the majority of your trip is spent here. For example, if you’re arriving in Australia from the USA but also travelling to India , this may be suitable for you.

What does visitors' travel insurance cover?

Visitors’ travel insurance affords you a range of benefits while you’re holidaying within Australia. When you purchase one of these policies, you’ll be afforded around-the-clock support in the event you’re in an emergency and need your insurer’s support. Some of the other benefits for tourists in Australia with travel insurance include:

• Medical or hospital expenses: You’re granted unlimited coverage for any health treatment you require while you’re in Australia if it’s as a result of a covered event. This includes the cost of any hospital stays, ambulances and medication needed while on your travels.
• Emergency dental: If you break a tooth while you’re criss-crossing Australia, you can claim the cost of visiting a dentist up to your claim limit.
• Cancellation: When you’re too sick to travel, your insurer allows you to claim back any pre-paid non-refundable expenses such as accommodation, tours and flights on your travel insurance . Most insurers also cover you if a close relative becomes sick and you need to cancel your holiday, such as a parent back in India.
• Lost, stolen or damaged luggage: If your baggage is lost, stolen or damaged during transit or your travels, you can claim back the costs of replacing what you’ve lost up to your agreed claim limit.
• Delayed flights or baggage: Your insurance company can cover the cost of clothes and toiletries if your flights and bags are delayed for more than 24 hours while you’re travelling to and from Australia. They can even cover the cost of extra accommodation so you can rest your head while you await your flight.
• Accidental death: If you unexpectedly die while you’re visiting Australia due to a covered incident, your insurance covers the cost of repatriating your body and any related funeral costs. Claim limits are usually about $50,000.
• Personal liability: Your insurer covers third-party insurance claims if you’re found personally liable for an accident while travelling in Australia. Your policy will have a limit to what you can claim, usually somewhere between $1 million and $5 million.
• Theft of cash: If you have money stolen while you’re exploring parts of the country, you can claim up to $250 back through insurance. Most insurers will need to see a police report or relevant statement from authorities if you need to make a claim.
• Permanent disability: If you’re involved in an accident which results in your permanent disability, your provider will pay you an agreed amount up to your claim limit.
• Rental vehicle excess: Hiring a car can be a handy way to get about parts of Australia. If you’re involved in an accident and need to cover the excess on your rental, your insurer will pick up the tab. These benefits usually have sub-limits of about $5,000.

While the benefits of travel insurance coverage in Australia if you're a tourist are wide-ranging, there are some areas where you won’t be covered. These include:

• Accidents caused while intoxicated
• Breaking the law, including Australian road rules
• Travelling against medical advice
• Coming to Australia to seek medical treatment
• Travelling with an unapproved pre-existing medical condition
• Changing your mind

How else do I compare visitors’ travel insurance?

If you’re planning a trip to Australia, there’s a strong chance you’ll be doing a quick shop around of online travel insurance policies to find one that most suits your trip before you leave home. When you’re comparing companies, it’s essential to consider some important factors which can make up your policy. These should include:

The cost of your travel insurance will vary depending on the provider you choose. Get a quote from a couple of the companies that draw your eye and compare the prices to see which is better for your budget. Finding a visitors’ travel insurance policy which offers the cover you need at the best price may provide you with some more much-needed spending money.

Comparing policies allows you to weigh up the different inclusions and exclusions offered by insurance providers. The cheapest policy may not be the right one for the trip you want to take. By doing this, you’ll be able to find a policy with the perfect blend of benefits for your next holiday.

Claim limits

The amount you can claim if something does happen while you’re travelling in Australia varies depending on your provider and the level of coverage you choose. For example, if you lose your luggage, you may only be able to claim $5,000 through your insurance company, while others may offer up to $15,000 for the same event. Comparing with Savvy will allow you to compare different insurance companies and their limits to ensure you choose a set which satisfies you.

If you have to make a claim while you’re touring Australia, you will likely have to pay an out-of-pocket cost known as an excess . These range from between $100 and $250, depending on who your provider is. Certain providers won’t make you pay anything if you need to file a claim. Comparing with Savvy will help you find a policy offering the excess you’re looking for.

Available policies

Most companies offer a broad range of travel insurance policies tailored to families, frequent flyers and groups. Some allow you to add up to 25 people to the same policy, which can save you money if you divide the cost between your group of travellers. Doing your homework and shopping around allows you to find a policy that’s best suited to the type of traveller you are.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked visitors' travel insurance questions

Yes – you must have a valid passport, visa and passenger card to enter Australia from overseas. If you’re arriving from New Zealand, you can purchase a visa upon entry to the country, but if you’re coming from any other country you will need to have organised your visa before you leave.

Most insurance providers will offer automatic coverage for a range of pre-existing medical conditions, such as asthma or certain types of diabetes. However, some more serious conditions that won’t be automatically covered and may cost extra include:

• Heart conditions
• Certain types of diabetes
• Lung disease
• Multiple sclerosis
• Any condition requiring surgery in the past one to two years

It's best to check with your provider's Product Disclosure Statement to see whether your visitors’ travel insurance covers your pre-existing health condition.

Yes – most insurers impose age limits on these policies, which can vary depending on who you choose to purchase your policy through. Certain insurers won't let you take out a policy if you're over 65 or 70 years old, while others may set this cut-off at 81.

Getting an online quote is relatively straightforward with most travel insurance providers. To get a quote, you'll usually have to provide an insurer with the following:

• Destinations you're travelling to
• Your departure and return dates
• The names and birthdays of all travellers
• Whether you've been vaccinated for COVID-19
• If you need any extra coverage (ski insurance or motorcycle coverage)

Once you have your quote, you can purchase the policy if you decide that it's right for you. You can do this directly through Savvy today.

You may wish to consider purchasing coverage in your home country if you aren’t spending the majority of your holiday in Australia. Visitors’ travel insurance only covers you if most of your time is spent here. For example, if you’re travelling to New Zealand from the USA, but have a brief detour to Australia, visitors’ insurance won’t be of much use.

No – the Australian Government doesn't require you to provide proof of a COVID-19 vaccination if you're entering Australia from overseas.

Helpful travel insurance guides

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

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Best travel insurance in Australia April 2024

We analysed 50+ travel insurance policies so you don't have to – check out our shortlist or compare quotes to find the best travel insurance for you..

• Get an online quote in just a few minutes
• Free cover for dependent kids, under 21 travelling with you
• Optional add-on cover for your valuables

• Health members get 15% off
• Cheaper than average
• COVID cancellation

• Covers children up to age 25
• Kids travel for free
• COVID cover included

• Claim up to $5,000 for COVID cancellations
• Claim up to $50,000 for cancellation costs
• $7,500 rental car excess cover

In this guide

Compare quotes to find the best travel insurance for you

Get help finding the best travel insurance policies, why you can trust our research, great for value, great for covid cover, great for families, great for domestic travel, looking for the best travel insurance in australia, tips to find best travel insurance with covid cover, best travel insurance faqs.

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Our insurance specialists have gathered 300+ quotes for 50+ popular Australian travel insurance policies. We shortlisted 4 policies based on 2023 Finder Awards , customer reviews and expert analysis. Remember, there's no single best travel insurance policy that suits everyone's needs, since we all have different travel plans and needs.

Show summary

• Great for value: Southern Cross Travel Insurance
• Great for COVID cover: Medibank travel insurance
• Great for families: World2Cover
• Great for domestic travel: InsureandGo

Insurance plans analysed

PDS features analysed

Recent travelers surveyed

2.6 million

Quotes served since 2014

Pros and cons

• It's affordable compared to other popular insurers including Cover-More and Allianz.
• Its PDS is much easier to understand compared to the other 28 other international policies we looked at.
• High customer ratings on Finder (4.16/5) and other popular review websites such as product review (4.7).
• Our awards data suggests Fast Cover and Medibank tend to be slightly cheaper.
• Customers rated Tick more highly in the Finder Customer Satisfaction Awards.
• $2,500 cap on cancellations is low and risky for expensive trips. For example, it's unlimited with Fast Cover.

How Southern Cross Travel Insurance compares

*Example quote based on a single 40-year-old travelling to Bali for 2 weeks. Comprehensive policies. Data collected in October 2023.

Why we picked it

SCTI has one of the best claims experiences and an easy-to-read PDS. It's not just us that thinks so. It earned a finalist spot for General Insurance Claims Team of the Year at The International Travel & Health Insurance Journal Awards and won the Best Plain English Legal Document at the most recent Plain Language Awards.

SCTI also received a mere 3 complaints to the Australian Financial Complaints Authority (AFCA) in the latest period. By comparison, Mitsui, which underwrites insurers including InsureandGo, received 47. Very large insurers such as Zurich and AWP (Allianz) received 325 and 95.

It's also consistently good value. On average, it's one of cheapest comprehensive travel insurers, according to our 2023 Finder Awards research. Out of 28 policies, only Fast Cover and Medibank were marginally cheaper.

The majority of comprehensive travel insurance policies cover COVID now but Medibank is a standout. Its $10,000 limit for COVID related trip cancellations is double the majority of insurers. Considering that 42% of Australians spend an average of $6,765 on holidays , Medibank is a safe choice. It also has a helpline that lets you chat to a doctor at any time.

• $10,000 cap for COVID cancellation costs and unlimited medical expenses.
• It's cheap – $233 less than average, according to 300+ quotes we gathered.
• 15% discount for health members (making it the cheapest out of 28 policies).
• ahm and Travel Insurance Saver also cover up to $10,000 for cancellations.
• Only Medibank and ahm health members can access discount.
• $15,000 cap for luggage. SCTI and Cover-More have a $25,000 cap.

How Medibank Travel Insurance compares

Out of 19 comprehensive travel insurance policies, Medibank was one of three to come with a $10,000 cap on COVID related cancellations. ahm and Travel Insurance Saver also cover COVID related cancellations. However, Medibank has a higher Finder Score.

Additionally, our research showed a Medibank international policy cost $353 on average for a 2-week trip overseas. That's $233 cheaper than average, according to our research of 28 policies. It's even cheaper if you're a Medibank or ahm member. It could knock $53 off a $353 policy.

World2Cover lets kids under 25 travel for free, so long as they're financially dependent on you. Most insurers including Cover-More and Southern Cross stop offering free cover when your children turn 20. It has a 9.4 Finder Score and out of the 50+ Product Disclosure Statements I looked at, it was one of the easiest to understand.

• Can cover kids up to the age of 25
• Up to $3,500 Covid cancellation cover per person – that's more than SCTI and Cover-More
• Unlimited cancellation cover
• Its underwriter received 43 complaints to AFCA – 21 more than Chubb and 40 more than SCTI (similar sized insurers)
• $5,000 rental car excess is lower than some e.g. Southern Cross ($10,000) and Allianz ($6,000)

How World2Cover Travel Insurance compares

*Example quote based on two 40-year-olds travelling to Bali for 2 weeks with 3 children aged 14, 12 and 7. Comprehensive policies selected. Data collected in October 2023.

Out of 20 travel insurers, World2Cover was one of the only brands to cover children up to the age of 25. It also doesn't have a limit on how many dependents can travel for free. Allianz can also cover kids on a family policy. However, it typically cost more in our research.

• It's very cheap. Out of 23 insurers, it's $180+ less than average.
• Get 10% off your travel insurance policy, using the code Finder10.
• Up to $7,500 towards car rental excess cover. That's $2,500 better than most.
• We found its PDS can be confusing and hard to understand.
• Cover-More, Fast Cover and SCTI also offer reasonably priced domestic policies.
• You absolutely need to read the PDS beforehand. There are lots of conditions attached to every benefit.

How InsureandGo Travel Insurance compares

*Example quote based on a single 40-year-old travelling in Australia for 1 week. All are domestic policies. Data collected in October 2023.

It's competitively-priced and won Finder's 2023 Best Domestic Travel Insurance Award. We looked at 23 domestic travel insurance policies as part of the awards and scored the same 14 features for every policy. These benefits included COVID rearrangement costs, theft or damage to luggage and rental car excess cover.

InsureandGo scored highly for a number of benefits including rental car excess cover, COVID cover, cancellation cover and luggage cover. You get up to $50,000 for cancellations, $25,000 for travel delays, $8,000 for lost luggage, $5,000 for COVID cancellation and rearrangement costs and $7,500 for rental car excess cover.

Similarly, it's good if you plan to rent a car while you're away. InsureandGo's top policy will cover the rental car excess for up to $7,500 if your car is damaged, stolen or involved in an accident. The average is $5,000. This sometimes isn't enough to cover the excess rental car companies charge.

It is also cheaper on average. Overall, it ranked in first place.

Top 5 policies in travel insurance – domestic

• InsureandGo Gold Domestic
• Australia Post Domestic Travel Insurance
• Cover-More Domestic Comprehensive Travel Insurance
• NRMA Domestic Comprehensive Travel Insurance
• Southern Cross Domestic Travel Insurance

Its main drawback is its Product Disclosure Statement which contains lots of conditions and could leave room for instances where you won't be covered. For example, it can cover cancelling your trip before departure but only for a specific number of reasons. These include: " your unforeseeable death, injury or illness; you have to go to court to be a witness or be on a jury (but not as an expert witness); there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle (This only applies to self-drive holidays). "

Keep in mind: there's no single best travel insurance policy that suits everyone, since we all have different travel plans and needs.

Over 2 million left Australian shores in December 2023, according to the Australian Bureau of Statistics . That's an annual increase of 500,000+ people.

To help you figure out what travel insurance company is the best in 2023, we asked over 1,200 Australians for their opinion and got our insurance experts to rate some of Australia's well-known brands.

Tom's trip to the UK

I've got family in the UK, so I've travelled there a few times over the last decade. The UK has reciprocal healthcare arrangements with Australian citizens but it's no help with cancellations or lost luggage, specifically due to COVID, which we've had issues with in the past. Luckily, our travel insurance policy covered us.

Most travel insurers offer COVID cover now and most will cover you for similar COVID-related travel expenses . However, there are still some things you can do to make sure you're getting the right policy for you:

Take out cover for all travellers

Whether you're travelling with your partner or the whole family, make sure that you add them to the insurance policy. That way, if someone catches COVID but you don't, you'll still be covered for expenses.

Get a policy as soon as you book your trip

That way, you're covered if you get sick and need to cancel. A few insurers including Cover-More and Easy Travel Insurance also won't accept COVID-related claims within 21 days of your trip, so make sure you take out cover at least 3 weeks before you jet off.

Check the exclusions

It can be tedious but make sure you give the exclusions in the PDS a read before you buy. For example, you won't be covered for costs related to border closures. It means that you might be out of pocket for prepaid accommodation or booked airline tickets if the government of that country imposes a lockdown.

Jillian, Kerry and Tyson travelled from Sydney to Dallas. 10 days in, Tyson (Jillian's son) caught COVID, a day before the family was supposed to leave for a ski trip in Colorado. As a result, they had to rearrange their travel plans.

Unfortunately, Jillian got COVID later and the family had to send Tyson and Kerry home to Sydney, while Jillian stayed another 4 days until she tested negative. She then rebooked her trip home.

Their insurer, Southern Cross Travel Insurance , covered just under $3,000 in costs . The family paid a $500 excess to claim on 2 events.

Get a free travel insurance quote

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

What's the best travel insurance with covid cover.

All the top picks we've selected come with COVID cover but Fast Cover goes a little further than most. Like many other insurers, it can help pay for COVID-related medical expenses, cancellation costs and additional accommodation. It can also cover childcare costs and medical evacuation.

How far in advance should I buy travel insurance?

It's worth getting travel insurance as soon as you book your trip. That way, you're covered straight away. If something happens – say you get sick or your flight is cancelled or delayed – you're covered.

Is it best to get a single trip or annual policy?

Single trip policies may be best if you don't plan on travelling much over the next year or, if you're going on a long trip ( annual policies cap the length you're allowed to travel per trip – typically 30, 45 or 60 days).

Annual (or multi-trip) policies may be better if you're a jet-setter who intends to travel several times a year. Generally speaking, an annual policy may work out cheaper than paying for 4 single-trip policies in a year.

But be aware, annual plans have been a little harder to come by since the pandemic.

What's considered a pre-existing condition for travel insurance?

Essentially, a pre-existing condition is any medical condition you've been diagnosed with, in a specified time period, prior to taking out cover. Such conditions include heart problems, high blood pressure and diabetes.

What's the best travel insurance for Bali?

There have been several flight cancellations and delays to Bali recently. Most travel insurance polices can reimburse you for flight cancellations. However, it's worth going with an insurer that will also cover additional travel expenses such as accommodation and pre-booked excursions. It can be very frustrating if something happens but if the cancellation is due to circumstances out of your control, your insurer is likely to cover you.

What's the best travel insurance for the US?

The US has a notoriously expensive healthcare system so it's worth getting a travel insurance policy that comes with unlimited medical expenses cover at the very least. Fortunately, most comprehensive policies offer this. Other important medical-related expenses worth considering are:

• Hospital cash allowance. An amount you'll be given per day if you're hospitalised to pay for additional expenses.
• Resumption of journey. This can help pay you to get home if you're very sick.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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Travel insurance.

This page is for Australians wanting to know more about travel insurance.

Explore this page to learn:

• why travel insurance is important
• how to choose the right insurance
• when insurance does not cover you
• how the Australian Government can help

Why travel insurance is important

Travel doesn't always go to plan. The right insurance is as essential as a passport for travel overseas. You'll depend on your travel insurer for help if things go wrong. They can give both financial and practical support. Without it, you or your family could suffer financially.

Get insurance regardless of who you are, where you're going and what you're doing.

Learn why insurance is important in the CHOICE travel insurance buying guide.

How to choose the right travel insurance

Not all policies cover all things. Always read the Product Disclosure Statement (PDS) before you buy a policy. It will tell you:

• what you are covered for (inclusions)
• what you aren't covered for (exclusions)
• word definitions
• how the claims process works
• what emergency support they provide.

The CHOICE travel insurance buying guide  has advice on how to read the PDS and what to think about before you buy.

Choose a policy that suits your needs.

• Consider where you're going.
• Decide how long you're going for.
• Think about what you'll do there.
• Think about your age and health.
• Work out how much your valuables are worth.
• Shop around and choose what's right for you.

Consider where you're going

Some policies are country specific. Others are worldwide. The level and cost of cover can vary depending on where you travel. Insurers may be more concerned about risks in some regions or destinations than others.

• Choose a policy that covers you for every country you're travelling to. Include stopovers and transit points.
• Check the current situation where you're going. Read about the risks in each destination's travel advice . Understand what each advice level means.
• Make sure your destination's advice level isn't 'Do not travel'. Check if your policy covers you for cancellations if the advice level goes up after you've booked.

Decide how long you're going for

Travel insurers usually quote based on how many days you'll be away.

• You may want a one-off travel insurance policy if you plan a quick trip. These are for a set number of days.
• Consider an annual multi-trip policy if you travel often or for long periods. It may be more convenient and better value.

Multi-trip and credit card policies can restrict the length of each trip you take. Some allow you to pay for extra days. Read the fine print in your policy.

Compare CHOICE reviews of single-trip and annual multi-trip policies.

Think about what you'll do there

Insurers exclude a lot of activities from their standard policies. Even common activities, like going on a cruise or skiing. You may need to pay extra to ensure what you're planning to do is covered. Or, get a specialised policy. Check the policy's fine print.

• Check the list of included and excluded activities.
• Check their definitions for activities. For example, they may consider walking in the mountains above a certain altitude as mountain climbing.
• You might need to pay for extra cover for your activities. This is often the case for skiing, bungee jumping, scuba diving, hiking or riding a motorcycle.
• If you plan to drive, check if you're covered or can pay extra. It could be cheaper through your travel insurer than getting a car hire company policy.

If you live overseas long-term, Australian insurance providers might not cover you. Your visa conditions may require you to get a local health insurance policy. Make sure you check.

Think about your age and health

Travel insurance is essential if you end up sick or injured. Medical assistance is usually the highest unexpected cost for Australians overseas. Most countries won't give you free or subsidised care. You, or your insurer, must usually pay full price.

• Hospitals in some countries will refuse to treat you if you don't pay upfront or hand over your insurance details. Even if it means you might die.
• Hospitals in countries with a reciprocal health care agreement may treat you in an emergency. But you may still have to pay for some of your costs.

If you're older or have pre-existing conditions

Your age and health will impact the cost and type of policy you need. This especially applies if you have pre-existing conditions.

• You must tell your insurer about all pre-existing health conditions.
• If you're unsure your condition is covered, ask your insurer.
• Your insurer may ask for a health check.
• Most policies have an age limit. Mature Australians often pay more for cover.

It may be harder to get insurance if you have a pre-existing medical condition. You may need to

• find a specialised insurer
• get a policy that covers you for situations unconnected to your condition.

If you don't have insurance and can't afford to pay for healthcare

You'll have to cover the cost of treatment if you don't have insurance. If you can't pay, you'll have to ask your family or friends for money. If you don't pay your medical bills, you could be:

• arrested or jailed
• prevented from leaving the country until you pay
• sued by the hospital, even if you've already left the country.

The Australian Government can't pay your bills.

Work out how much your valuables are worth

Travel insurance can cover replacing your baggage and valuables if they're lost, damaged or stolen.

Some insurers will also help you organise a replacement while you're away if you need it urgently.

Expensive items may cost you more to insure. Think about what you're taking with you. Consider what it would cost to replace those items if they get lost, stolen or damaged.

Policies vary when it comes to how they cover valuable items. They often limit each item's value. Adding cover for valuables can range from 100s of dollars to 1000s.

• Check individual item limits on your baggage cover. You may need to take out extra insurance to cover your valuables.
• Check the excess. On many policies, it's more than the value of the items you're taking. Consider paying extra to reduce or remove your excess.
• If you're not taking expensive items, you could save on your premium by selecting a policy with less baggage cover or lower limits. Or choosing a medical-only basic policy.

Always check the fine print on your policy in the PDS. See what items they exclude and the situations they'll cover.

Also, see our advice on preventing theft .

Shop around and choose what's right for you

There are plenty of insurers with a range of policies for you to choose from. The most important thing is choosing a policy that covers what you need for you and your trip.

Resist the temptation to get the cheapest option without checking that it suits your needs. This also applies to free credit card travel insurance. Consider your unique needs and read the PDS. If it's not a match, it's not good value.

• Browse and compare your options on Find an Insurer .
• Read the CHOICE travel insurance buying guide . Check out their reviews .
• Narrow down your options to policies with the inclusions you need.
• Read the PDS for your shortlisted policies. You'll be surprised what situations and items some policies exclude.

Choose and buy the policy that's right for you. Always declare everything upfront when you buy your policy. If you don't, you may void it.

Comprehensive travel insurance

A comprehensive travel insurance policy covers a lot. These policies cover most things for most people in most situations. It won't cover everything or everyone. You may still want to explore the insurer's optional extras or opt for higher item limits if you take expensive items.

Some cover more in their standard policies without paying for extras. For example, some comprehensive policies cover skiing and SCUBA diving. On other policies, you have to pay more.

Compare CHOICE reviews of single-trip and annual multi-trip travel insurance policies.

Basic travel insurance (medical only)

Basic cover can be a popular choice with backpackers and budget travellers. It's generally for people who travel light, without expensive items and want the cheapest option.

Basic policies still cover your health and medical emergencies.

They usually don't cover your property or cancellation costs. If they do, the conditions are more restrictive, and claim limits are much lower. Usually, they have a much higher excess than comprehensive policies.

Credit card travel insurance

Some credit cards come with free travel insurance. Before you default to the free option, make sure you understand:

• what it covers
• how much it covers
• what you must do to activate it.

Credit card insurance is different from most comprehensive policies. Often, they cover fewer situations and have lower item limits. Before you go with the free option, read the PDS. Compare it to one from a comprehensive policy so you understand what it will cover you for.

Read credit card travel insurance reviews by CHOICE.

Activating credit card insurance

You usually have to 'activate' the insurance policy. Before you choose to go with the free option, make sure to confirm how to activate it with your bank. Don't assume it's activated. You could find yourself overseas without insurance when you need it.

Cancellations and delays

Plans change. So do advice levels in our travel advisories. Travel insurance can cover cancellation costs if you need to change your plans.

Find out what your policy covers. Read the PDS before you buy your policy.

For more information on cancellation cover , see the CHOICE travel insurance guide.

When insurance does not cover you

What you're covered for depends on the type of policy you get. But you usually won't be covered if something goes wrong while you are:

• breaking the law. For example, not wearing a helmet on a moped.
• under the influence of alcohol or drugs. Even a low blood alcohol level can get your claim denied.
• doing an excluded activity. For example, if you broke your leg skiing when your cover expressly excludes skiing.
• in a 'Do not travel' destination.

Insurance will also rarely cover:

• the theft of items you left unattended
• claims caused by a pre-existing condition that you did not declare upfront.

How the Australian Government can help

The Australian Government is limited in how and when it can help Australians overseas. Understand how we can and can't help. Read the Consular Services Charter .

We can't pay your bills for you.

You must take responsibility for your situation when you travel. This includes your finances. Consular services are not a 'backup plan' if things go wrong and you need money . We expect all Australians travelling overseas to take out appropriate insurance for their trip.

• Read the travel advice for the destinations you're travelling to and through.
• Learn about the travel basics  before you go.
• Find our advice for travellers with disability . This includes getting travel insurance.
• Understand how and when we can help. Read the Consular Services Charter .
• Read the travel insurance buying guide and reviews (CHOICE).
• Free is not always the best value. Read credit card travel insurance reviews (CHOICE).
• Browse and compare your options on Find an Insurer . (Insurance Council of Australia).

Related content

This page provides mature travellers with information to prepare for a hassle-free journey. Properly preparing before you travel will help you have a safe trip.

Browse our general advice pages on a range of travel topics, to learn what you need to know before you go.

If you're leaving Australia, travel insurance is just as essential as your passport. The CHOICE buying guide makes finding the right travel insurance easy.

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Travel Insurance for a Trip to Australia (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Australia as expected.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Whether you experience a travel delay or a medical emergency, travel insurance for Australian vacations provides valuable protection for expensive trip costs. Depending on the level of coverage you choose, reimbursements recoup losses for trip cancellation, lost baggage, unexpected medical treatment and more.

Below, we at the MarketWatch Guides Team discuss the benefits, costs and requirements of international travel insurance for Australia.

Compare Top Travel Insurance Companies for Australia

Use the table below to compare COVID-19 coverages, CFAR protection and pricing for travel insurance companies that will cover a trip to Australia.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Australia?

It’s not mandatory to purchase travel insurance as a condition of entry to Australia or neighboring New Zealand in the Australasia region. However, the Australian government strongly recommends visitors have travel insurance to cover unexpected medical costs.

While public Medicare and domestic travel insurance cover residents, visitors to Australia are treated as private patients. Therefore, you’re generally required to pay hospital expenses and other medical bills at the time of treatment. Furthermore, comprehensive travel insurance with trip cancellation protects against sudden cancellation costs.

Australia is renowned for exciting adventure activities, including boating, hiking and winter sports. Medical coverage ensures you’ll have peace of mind in the event of an injury. The following are some of the most common policies to help you buy travel insurance to suit you.

Types of Travel Insurance for Australia

Travel insurance plans differ in their coverage options. For comprehensive coverage, be sure to opt for a plan with trip cancellation and interruption coverage, baggage loss and baggage delay, emergency evacuation coverage, cancel for any reason insurance and medical coverage.

Cancel for Any Reason Coverage

Cancel for any reason coverage , or CFAR, is sold as an additional premium that reimburses nonrefundable trip costs without limits on why you need to cancel. With standard insurance products, cancellation policies generally reimburse you for a limited and predetermined number of reasons, including hospitalization or the death of a family member.

This type of coverage is useful during situations such as the coronavirus pandemic with changing circumstances and in the absence of COVID-19 coverage. Whether your reason is due to a country’s travel advice changing or simply a change of personal plans, you can claim for prepaid costs and enjoy the flexibility.

CFAR is subject to rules that vary via insurance providers. They can include time limits, such as a requirement to cancel within 48 hours of departure.

Gear Theft Protection

Whether you’re traveling to Sydney or exploring the Outback, gear theft protection is useful on every overseas trip as insurance for your personal effects. For a trip to Australia, you might wish to bring the following:

• Professional camera plus equipment
• Sports equipment, including surfboards and snowboards

Travel insurance plans help you recover the costs of items that are stolen, damaged or lost via airlines or tour operators. As general advice, your policy covers up to predetermined cost limits, and exclusions may apply.

Be aware that the sub-limits might not cover the full value of items. Check the product disclosure statement (PDS) to ensure gear theft protection is sufficient; otherwise, leave valuable items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

Excellent medical treatment is available in Australia, and there are no major health hazards of concern, according to the Centers for Disease Control (CDC) . However, in the case of medical expenses, emergency assistance or any pre-existing medical conditions you may have, health insurance is important to recover significant up-front costs.

In the case of an overseas emergency, travel insurance for medical emergencies covers a range of expenses including:

• Dental emergencies
• Hospital fees
• Lab tests and X-rays
• Operating room charges and anesthesia

Depending on the insurance company, policies also cover expenses if you require medical assistance for injuries via sports and adventure activities. Most cover emergency medical evacuation to a major hospital or your home country.

Rental Car Protection

In Australia, a loss damage waiver and third-party insurance for personal liability are mandatory and therefore, included in the contract for any rental vehicle. Premium car insurance, through an authorized representative for rental cars, further limits your liabilities while driving.

Depending on the type of car insurance and the coverage you choose, premium plans may include the following safeguards:

• Collision damage waiver and theft protection
• Personal effects coverage
• Roadside protection
• Tire and windshield protection

As a separate protection and on top of local car insurance, a standard travel insurance policy generally includes rental vehicle excess cover. This helps to recoup the losses you’re liable for regarding extra costs for damaged or stolen vehicles.

Trip Cancellation Insurance

Standard Australian travel insurance cover generally provides reimbursement for financial loss due to cancellation up to a limit. If you cancel your vacation before departure, nonrefundable and prepaid expenses are covered. However, trip cancellation insurance is subject to binding rules limiting valid reasons. For flexibility, it’s a good idea to choose CFAR.

One of the most common questions regarding cancellation coverage is how you qualify for it. As general advice, the acceptable reasons include:

• Death of a family member
• Hospitalization, illness or serious injury
• Military orders
• Severe weather conditions, excluding some natural disasters

How Much Does Australia Travel Insurance Cost?

From an annual multi-trip policy to a single trip, a travel insurance quote depends on your personal preferences, age and the destination. International travel insurance providers often use target market determination to design insurance products to suit your demographic.

To get a travel insurance quote, you’ll enter the following on provider sites:

• Age and number of travelers in your group
• Destination country and location
• Total trip price

We requested quotes from five different providers of affordable travel insurance coverage as an example. The below quotes are for a 30-year-old traveler from New York traveling to Australia from Aug. 1 to Aug. 14, 2024. Including accommodation and flights, the total trip cost is $5,000.

The quotes listed were collected from each company’s website in May 2023. The most affordable policy plans for international travel insurance to Australia include coverage for trip cancellation, trip interruption, medical expenses for emergencies, baggage loss or delay and emergency evacuation.

How Do I Get Travel Insurance for Australia?

The first step for getting travel insurance for Australia is to check your credit cards and current health insurance. You might already have travel insurance coverage for an Australian vacation. Most airlines offer comprehensive travel insurance upon booking your flights.

To find the best quote and buy travel insurance, shop around to compare prices. The level of coverage you need depends on your personal preferences.

Australia Safety Tips

Below are safety and travel tips to help you enjoy your trip to Australia with peace of mind.

Crime and Safety

The Australian Travel Advisory from the U.S Department of State is at Level 1: Exercise Normal Precautions. For international travel alerts and onward travel, Australia’s Smartraveller site provides information.

In general, U.S. citizens aren’t specifically targeted for crime in Australia. However, it pays to be aware of your surroundings in large cities. Robberies and auto theft are common in some areas, along with pickpockets at crowded tourist destinations.

Day Trips, Tours and Excursions

From diving on the Great Barrier Reef to hiking through the remote Outback, day trips and excursions in Australia are the best way to see the sights. If you’re participating in extreme sports, it’s wise to check with insurance providers with regard to specific insurance coverage.

To ensure tour companies are reputable, use trusted organizations. You’ll find information on Australia’s official tourism site , along with sites in each state you visit.

According to the Australian government , all entry restrictions and rules pertaining to COVID-19 are removed. Most public health measures are also removed across the country. Check with local authorities in the event of changes.

Is Travel Insurance for a Trip to Australia Worth It?

You’re not legally obligated to buy travel insurance for a vacation in Australia. However, the benefits of doing so ensure you’re covered for the possibility of financial loss if you need to cancel your trip or you experience delays.

When deciding if travel insurance is worth it , the main factor for a trip to Australia are the medical costs you might incur in the event of an emergency health issue or injury. We recommend you get quotes from a few different providers to find the best deal for your trip.

Frequently Asked Questions About Travel Insurance in Australia

Can i claim flight compensation.

Travel insurance is the best protection against canceled flights, and it might be the only way you can claim flight compensation . For the most part, U.S. airlines only compensate via refunds if cancellations are a direct result of overbooking or airline fault.

Do you need travel insurance to go to Australia?

Travel insurance isn’t mandatory for entry into or travel around Australia. Due to expensive upfront medical costs, most travelers choose to buy travel insurance to cover medical expenses in the event of illness or injury.

Do all credit cards have travel insurance?

Not all credit cards offer travel insurance. Credit cards that feature travel rewards often include travel insurance with the benefits. Check the coverage to ensure it’s suitable for your personal needs.

Do tourists get free health care in Australia?

Visitors to Australia don’t receive free health care and are treated as private patients. If you’re admitted to a hospital or need treatment for an injury, costs are usually required upfront. As this may be expensive, travel insurance to cover unexpected medical expenses is recommended.

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• Annual Travel Insurance
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• Budget Direct
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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance & Family Emergencies

It's only natural to be concerned about your loved ones when you go away on your holidays.

If a family member or travelling companion falls ill or is injured on your trip, or before you depart for your holiday, it's important to know where you stand with your cover.

A common question that comes up again and again is;  Does travel insurance cover family emergencies? The answer is yes, but like all insurances, there are terms, conditions, and exclusions that will affect your claim.

Keep reading to learn about the cover conditions when it comes to travel insurance and family members.

Who is classified as 'Family'’?

'Family' in the world of travel insurance usually refers to your spouse (or legally recognised defacto) and your dependants.  

Cover for furbabies

Who is classified as a ‘relative’.

'Relatives' in terms of travel insurance will typically include, your or your travelling companions' spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé, fiancée or guardian.

NOTE:  aunties, uncles, cousins, nieces, nephews and close friends are not often included as a ‘relative’ so it pays to pay attention.

When Does Travel Insurance Cover For Family Emergencies?

Your policy will kick in if a family member or relative (as defined above or within your insurers' definitions);

• Dies unexpectedly
• Is disabled by an injury
• Becomes seriously sick and requires hospitalisation

When Are You Not Covered For Family Emergencies?

Like any type of insurance terms and conditions apply to your cover. Where your relative resides matters:  Relatives who live outside Australia or New Zealand are typically not covered by your policy. Most insurers state that they will only pay claims concerning ‘Relatives’ who reside in Australia or New Zealand. If you have a family member that lives in a different country to you, chances are you wouldn’t be covered for cancelling your trip.    Pre-existing illnesses can cause difficulties:   If you were already aware of a Relative’s illness when you booked your travel insurance, you may not be covered should they take a turn for the worse. However, some companies like 1Cover, Fastcover and Zoom Travel Insurance would provide limited cover under these circumstances, provided you were not aware of the likelihood of their hospitalisation or death when purchasing your policy. How the family member dies matters : If the death was due to the relative committing suicide, or related to alcohol or drug consumption you may find that isn't covered.  Any claims to do with alcohol, drugs or mental illness are typically excluded in Australian travel insurance policies. 

Compare Family Member Age Limits

As mentioned above, many policies have age restrictions in the event that a family member falls ill or dies while you are travelling or before you depart.  Whilst travel insurance can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice, and in some instances resuming your journey at a later date, it's important to understand the restrictions. Our experts have done some digging to bring the important relative age limits to the forefront.  Many insurers limit a relative's age to 84 and there are a few insurers that do not pose any age restriction.

Can I resume my trip if it was cut short due to a family emergency?

Most policies with a family emergency benefit will allow you to resume your journey at a later date after being forced to return home due to the illness or death of a relative and still be covered.  This is sometimes included as a sub-limit within the trip cancellation benefit or, it may be under a benefit called "resumption of journey".   This will often include the cost of flights for you to return to the destination where your trip was disrupted. There are normally specific conditions surrounding this type of cover, including:

• You must have had no knowledge that such an incident might occur prior to your departure
• Your resumption expenses may be limited or must be pre-approved by your insurer
• You must resume your journey before your policy expires
• You may need to resume your journey within a certain time of returning to Australia.  Usually within 30 days.

Other Options

As mentioned, the majority of insurers would not cover family emergencies if the relative in question suffered from a pre-existing medical condition.  However, specialist insurer  AllClear  may cover you  provided that your relative’s doctor is prepared to state that at the date you booked your trip, he/she would have seen no substantial likelihood that his/her patient’s condition would deteriorate to such a degree that you would need to cancel or curtail your journey.  

Carolina Tran

Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.

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Our Travel Insurance Comparision Helps You

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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