Compare travel insurance for Australia

Over 700,000 British nationals visit Australia every year. If you’re thinking of joining them, you’ll need to think about travel insurance for your trip down under.

Over 700,000 British nationals visit Australia every year. If you’re thinking of joining them, you’ll need to think about travel insurance for your trip down under.

Josh Daniels
From the Travel team
3
minute read
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Posted 28 JANUARY 2021

Do I need travel insurance for Australia?

We’d strongly recommend it in case you have an emergency while you’re over 9,000 miles from home.

Travel insurance can protect your possessions from theft and your flights from cancellations and delays. It can also cover your medical costs if you feel ill or have an accident.

CORONAVIRUS UPDATE

Following the UK’s most recent national restrictions, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

Non-essential travel is not currently permitted within the UK before 12 April 2021 at the earliest and international travel is not currently permitted before 17 May 2021 at the earliest. Any insurance for travel before these dates is likely to be invalid. This means that, unfortunately, we’re unable to provide any new single trip price comparisons for UK policies with a start date prior to 12 April 2021 and any single trip comparisons for international policies with a start date prior to 17 May 2021
 
You’re still able to purchase annual multi-trip policies, however, if you choose to travel against FCDO advice and current restrictions, you won’t be covered for your trip.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

On its Money Advice Service website, The Money and Pensions Service (MaPs) has launched a directory of insurance providers who may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

How does Australian Medicare affect my travel insurance?

If you’re a British national, you’ll be entitled to subsidised medical treatment under the Australian Medicare scheme (similar to the NHS).

Medicare may not cover everything you need, and, if you don’t have travel insurance, it could work out very expensive, so you’ll need your own travel insurance as well.

What should my travel insurance to Australia include?

A holiday to Australia can be a once in a lifetime opportunity, so you should absolutely make the most if it. However, you should consider the following cover for peace of mind:

  • Medical cover – the right policy will offer you full protection if you were to fall ill or have an accident. It will typically also cover you if you need to be medically evacuated back to the UK.
  • Lost, stolen or damaged luggage and passports – your travel insurance should cover you for replacing clothes, medicine, gadgets and toiletries if your luggage is damaged, lost or stolen. Remember to take note of any excesses that apply on your policy, as well as the overall possessions and single item limits. Crime levels are similar to the UK, so you should take similar care as you would at home.
  • Cancellations and delays – if your holiday is cancelled, delayed or shortened, you can claim for some expenses. Cover for things like a missed connection isn’t included in all policies, so if you want to be covered for this, make sure you check the policy T&Cs.
  • Repatriation – if there’s trouble with the airline, or you need special travel arrangements due to a medical requirement, these costs can be covered

Australia travel insurance exclusions

Your insurance can offer protection for many unexpected events, but you should avoid further surprise by checking any exclusions to your policy, ahead of your trip to Australia. Here are some of the things to check carefully for in your policy:

  • Pre-existing medical conditions – if you require treatment for these, you’ll likely need to pay more on your premium. However, all medical conditions declared on Compare the Market will be included in the policies shown to you.
  • Injuries or accidents resulting from high-risk activities – Australia is very popular for thrill seekers from around the world. It is home to lots of adventure sports, including bungee-jumping, skydiving, white-water rafting and more. If you’re travelling to Australia on an adventure holiday, check your policy carefully and arrange extra cover if necessary.
  • Incidents related to alcohol abuse – while it’s nice to have a few drinks on holiday, incident rates typically rise with greater alcohol consumption. Australia does have a bit of a reputation for having a drinking culture, so it’s important to drink responsibly. If you’re injured or lose something whilst under the influence, your claim will likely be rejected.
  • Travel to regions which Foreign and Commonwealth Office have advised to avoid – this may be because of disease epidemics or terrorism threats. The FCO currently advises that there is a mild terror threat in Australia, but most visits are trouble free.
  • Act of God – this includes natural disasters. Australia is vulnerable to bushfires in the summer months, which leads to smoke and air quality becoming issues. Australia can also be prone to flash flooding and cyclones. Be sure to check information regarding safety procedures and local advice.

What else should I consider when I choose my travel insurance?

Think about what sort of trip you’re planning and what types of activities you intend to do before you start comparing travel insurance for Australia. You might want to look at:

Do I need a visa for Australia?

Yes, British citizens will need a visa but you can apply online in two ways:

  • eVisitor visa – is free and you can apply direct to Australia’s Department of Immigration and Border Protection. 
  • ETA (Electronic Travel Authority) – this is obtained from your travel agent or airline and there’s usually a service fee of approximately $20 but no visa application charge.

Any other tips for a trip to Australia?

Here are a few facts about Australia to help you on your way:

  • Language: English – although some words won’t mean what you think they mean: ‘bathers’ are swimming costumes, ‘thongs’ are flip flops and ‘strides’ are trousers.

  • Time zones: There are three: Eastern, Central and Western. 

  • It’s big: It will take you nine hours to drive from Sydney to Melbourne, and there are 10,000 beaches and 50,000km of coastline to enjoy. 

  • Tipping: It’s up to you. In top restaurants, it’s common to tip 10%. Hotels and restaurants don’t tend to add service charges to your bill.

Where can I compare travel insurance quotes?

Whether you’re looking to go to Australia for a single trip or are buying travel cover for you and your family, our comparison service will make it easy for you to find great deals. Compare travel insurance costs today and get a quote in minutes.

How much is travel insurance for Australia?

If you’re travelling to Australia, worldwide travel insurance could cost from £12.84** for a week, based on Compare the Market data in November 2020.

**Based on a worldwide travel insurance policy for a 20 year old with no pre-existing medical conditions travelling for 1 week. Prices correct as at November 2020.

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