Known for its unique wildlife and breathtaking scenery, visiting the land down under is on many travellers’ bucket lists.
Whether you’re visiting one of Australia’s modern hubs, like Melbourne or Sydney, or immersing yourself in the adventure of the Outback or Great Barrier Reef, you’ll be spoiled for choice when it comes to things to do and see.
That’s why, today, I’ll be breaking down all the best providers of travel insurance to Australia in 2026. I’ll also answer some frequently asked questions, and share my best travelling tips, so you can save money on your trip!
Choosing the right travel insurance to Australia
It can be very exciting to think about all the adventures that await you, but it’s important to take precautions when purchasing travel insurance to Australia, so you get the appropriate level of coverage for your trip.
If you’re looking to buy travel insurance to Australia, the first thing you need to consider is your traveller profile. Are you travelling as a family? Are you a digital nomad? Or are you going on a couples’ holiday?
Choosing travel insurance that is specific to your traveller profile will ensure that you receive the coverage you need, without paying for coverage you don’t need!
To give you an idea of the different alternatives, I have compiled the most relevant information from the best travel insurance companies.
Comparing travel insurance to Australia in 2026
The best way to find the most suitable insurance policy for you is to compare policies.
That’s why I’ve created sections outlining the best insurance options for various types of trips, from short-term family holidays, to long-term backpacking adventures. Let’s start with the classic short holiday!
Short-term travel insurance to Australia
If you’re planning a short-term holiday to Australia, that is, less than 3 months, there are lots of good insurance options available in 2026.
This guide of policies for travel insurance to Australia is based on our list of criteria for short holidays, which you can see in the table below. But first, here’s a great discount currently available:
This 5% discount from Chapka is valid until 08/05/2026.
Click here: Activate Discount
- Fill in your info: country, coverage regions, and dates.
- Click on “Calculate Price”.
- Done! Your discount will be applied automatically.
Chapka’s most useful benefits for short holidays include:
- Extensive medical assistance at the destination
- Repatriation and early return
- Cover for loss or damage to baggage
The best policy for travel insurance to Australia is the one that best suits your travelling needs, in other words, covers all your activities in Australia, and trust me, there’s a lot!
Currently, you can get some great deals on travel insurance to Australia based on your traveller profile.
The best long-term travel insurance to Australia
If you’re going on a trip of longer than 3 months, it’s all the more important to take out insurance. Luckily, there are plenty of good deals on long stay travel insurance to Australia that you can take advantage of now.
You have until the 08/05/2026 to get a 5% discount on Heymondo Insurance!
Click here: Activate Discount
- Fill in your info
- Click on “Calculate Price”
- You’re ready to go! Your discount will be applied automatically.
Remember, the longer the trip, the higher the chance that something will go wrong at some point.
There are plenty of promotional offers on travel insurance to Australia to take advantage of now. Remember, Australia is expensive, so every bit of saving counts!
The best travel insurance to Australia for digital nomads and businesses
There are currently numerous companies offering great deals on travel insurance to Australia, especially suited to digital nomads and businesses.
This is significant because these groups in particular really can’t afford not to have travel insurance. Coverage for electronic equipment is perhaps the most important benefit for us digital nomads, as our livelihoods depend on it. Here’s a great offer available now:
Get a 5% discount on Heymondo until 08/05/2026. Get in quick!
Activate Discount Here
- Fill in your trip info
- Click on “Calculate Price”.
- All done! The discount will be applied automatically.
Some of the most useful benefits of Hey Mondo travel insurance for digital nomads include:
- 24/7 assistance platform.
- Repatriation and early return.
- Travel expenses for a family member if you are hospitalised for over a week.
The best travel insurance to Australia for working holidays
Australia has long been a popular destination for working holidays. It’s a fantastic place to live and work, not only for its dreamy tropical climate, but Australia’s minimum wage is among the highest in the world!
Enjoy a 5% discount on Chapka Working Holiday insurance (valid until 08/05/2026)
Click Here: Activate Discount
- Fill in your trip info
- Click on “Calculate Price”.
- Done! The discount will be applied automatically.
The most useful benefits that Cap Working Holiday gives those working abroad include:
- Coverage during short trips to your home country.
- Repatriation and early return.
- Medical expenses and hospitalisation abroad covered at 100%.
- This policy is renewable abroad, in case you decide to extend your stay.
Best annual travel insurance to Australia
If you take out an annual insurance plan, you’ll have travel insurance for all your short-term trips to Australia. Now that’s convenient!
Annual insurance is essential for frequent travellers. This package insures you for all the trips you take in a year, so you can save time and money on insurance. Each trip under 60 days will include cancellation coverage and a 24-hour assistance platform.
Activate a 5% Discount on Heymondo Annual Multi-trip, only valid until 08/05/2026.
In my experience, the following benefits are crucial for any annual travel insurance policy:
- Strong coverage of medical expenses
- Repatriation and early return
- Covid-19 cover
- Luggage theft or damage
- Trip cancellation cover
Best student travel insurance to Australia
Australia is a great destination for exchange students, and is home to several world-renowned universities. If you’re planning a semester abroad, I recommend a student travel insurance plan, as they are tailored to students’ needs.
Chapka Student is perfect for students heading abroad. This policy is especially useful for students studying in countries with high medical costs, such as the USA, Canada, Australia, New Zealand and Japan.
Get a 5% discount on Cap Student in May 2026:
Click here: Activate Discount
- Fill in your trip info (country of residence, travel dates, type of insurance).
- Click on “Calculate your Insurance”.
- All done! The discount will be applied automatically.
Cap Student also covers travel and accommodation costs for a family member to visit you if you are hospitalised for 2 days or more:
- Repatriation and early return.
- Chronic, pre-existing or congenital conditions.
- Dental expenses.
- Personal injury from motor vehicle accidents.
Travelling to Australia at the best price
After lots of research and first-hand experience travelling around the world, I’ve compiled some travelling hacks that I’d like to share with you. They’ll help you save money on your travels, so you can focus on the things you enjoy about travelling!
These tips and tricks may take a little time and effort, but it’s worth it when you can reduce the total cost of your trip. Australia’s minimum wage is very high, and it’s an expensive country to visit, so make sure you’re saving where you can.
There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that there are many more factors that will help you save money, including:
- Flights
- Accommodation
- The card you use
- How you book your activities
If you follow these tips, you might just find that by the end of your trip, you have enough money left over to explore an extra destination on your route home!
What are the requirements for travel to Australia?
To travel to Australia, you must meet certain requirements. They are as follows:
- Have a passport valid for at least 6 months.
- Obtain a visa for Australia.
- Negative Covid-19 test. However, this last requirement currently only applies to a select few countries. I recommend checking the official Australian government website for the latest updates.
As of 6 July 2022, it is no longer necessary to complete the DPD or digital passenger declaration. However, it is important to check the requirements on the above website before you travel.
Is travel insurance to Australia mandatory?
The Australian Government does not require you to take out travel insurance to Australia, but highly recommend that you do so, as you will be liable to pay any healthcare debts you incur in.
What Covid-19 vaccine requirements does Australia have for entry?
For a long time, only travellers with a full Covid-19 vaccination programme were allowed to enter the country. As of July 2022, this is no longer required.
However, conditions may change depending on coronavirus cases in Australia, and may also depend on the territory or region you are travelling to. So, even if you have the green light to enter the country now, watch for any changes as you travel.
What should my travel insurance to Australia cover?
Here is a list of the main benefits that your travel insurance to Australia should cover. This is to ensure that you are covered for any unforeseen events during your trip.
- Medical expenses: the insurer must cover your medical expenses if you get sick or have an accident in Australia. This is paramount for the adventurers and extreme sportspeople!
- Lost luggage: can be reimbursed in case of loss, or theft of luggage, personal belongings, or travel documents.
- Flight cancellations and delays: if you experience flight cancellations or delays, you will be entitled to a refund.
- Medical emergency (accident or illness). This is extra important if you will be exploring in nature and/or in contact with undomesticated animals in Australia.
- Repatriation or funeral expenses abroad.
- Delayed baggage (and emergency replacement of essentials).
- Travel delays due to weather.
- Adventure sports add-ons.
How much does travel insurance to Australia cost?
The price of travel insurance to Australia will depend on various factors, such as the duration of the trip, and the type of cover you take out.
Travel insurance to Australia is cheaper than for travel to the US and Canada, as these countries have particularly high medical costs. All the more reason, then, to opt for the highest level of coverage, as medical costs in Australia are also very high.
How to take out travel insurance to Australia
Here is a step-by-step guide on how to contract your travel insurance to Australia:
The websites of the insurance companies I’ve mentioned are straightforward and intuitive, so don’t worry!
- Go to the website of the insurer of your choice and click on the insurance plan that you want to contract.
- Once you have selected the insurance, you will see a “Contract” button, or something similar. Click to start the contracting process.
- Once there, you will need to fill in your trip details. This includes the duration of your trip, the number of travellers contracting insurance, and the countries you’ll be visiting. Remember to check the policy’s renewal terms for trips lasting longer than 12 months. For travel to Australia, select the option that says, “World excluding US/Canada.”
- Fill in the details of each traveller and add a supplement if necessary. This is usually the cancellation or adventure sports option.
- Read the insurance conditions carefully, and that’s it. You now have your travel insurance to Australia!
Adventure sports in Australia
Here’s a quick tip for backpackers and adventurers travelling to Australia:
Australia is a sports-mad country, and there are tons of thrill-seeking opportunities all over the country. Here are just a few activities you can expect to find:
- Windsurfing
- Off-roading
- Paintballing
- Canoeing
- Zip-lining
- Activities with undomesticated animals
- White-water rafting
- Bungee jumping
- Kitesurfing
These are all popular activities in Australia. Typically, some of these activities will be covered already by a regular plan, but for the riskier activities, you may need to purchase an adventure-sports add-on.
It’s a good idea to check your travel insurance to Australia carefully before you arrive, to make sure you’re covered for the activities you want to try. The best way to make sure you don’t miss out on any of the fun is to ensure you have the right coverage.
Is it safe to travel to Australia?
As I’m sure you’re aware, this is a country where you risk being bitten by thousands of species of spiders, reptiles, and critters. Despite this, Australia is generally a very safe country. Just be mindful when walking in the bush!
There is also a risk of suffering from heat stroke, so remember to drink lots of fluids. Keep in mind that wildfires are an unpredictable danger during the summer months. Read the conditions of your travel insurance to Australia carefully, so you’re prepared.
If you should need assistance while in Australia, check the website for the British Consulate General in Australia, the U.S. Embassy in Canberra, or the embassy of your country of residence.
Wherever you decide to go in Australia, you’ll be spoilt for choice on activities, while being surrounded by stunning natural beauty, so enjoy Oz!
