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
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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.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

If your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper 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 MoneyHelper or by calling them on 0800 138 7777.

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.

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