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 2023. 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 2023
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 2023.
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:
Get in quick! This 5% discount from Heymondo is valid until 31 September 2023!
- Click here: Activate Discount
- Fill in your info: country of residence, coverage regions, and dates.
Click on “Calculate Price”. - Done! Your discount will be applied automatically.
Heymondo most useful coverages for short holidays include:
- Extensive medical assistance at the destination
- Repatriation and early return
- Cover for loss or damage to baggage
I’ve created a comparative table for you below. Check out the benefits offered by each provider and see which are most relevant to your short holiday.
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⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️⭐️ | |
Assistance | Short Stay | IATI Star | Short Stay | Nomad | |
Price for 7 days | 24€ | 27€ | 27€ | 28€ | 42€ |
Discount in September 2023 | – 5% | – 5% | – 5% | ❌ | ❌ |
Activate Discount | Activate Discount | Activate Discount | Get a Free Quote | Get a Free Quote | |
Medical expenses | 200.000€ | 3.500.000 € | 500.000€ | info | 222.600€ |
Hospitalization | 30€/day | Actual costs | Actual costs | info | 300.000€ |
Theft or loss of luggage | 2.000€ | 1.700€ | 1.500€ | 2.300€ | 2.670€ |
Repatriation | Actual costs | Actual costs | Actual costs | Actual costs | 17.800€ |
Sports activities | Covered | Covered | Covered | Covered | Covered |
Phone theft | ❌ | ✅ | ❌ | ❌ | ✅ |
Camera or drone theft | ❌ | ✅ | ❌ | ❌ | ✅ |
Recommended | All types of stays | All types of stays | All types of stays | All types of stays | Digital nomad |
Review | Chapka insurance | HeyMondo insurance | IATI travel insurance | SafetyWing insurance | |
Discounts | Promo Code Chapka | Promo Code Heymondo | Promo Code IATI |
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.
Families travelling short-term
Going on a family holiday to Australia? Look no further!
In September 2023 only, get 20% off Heymondo Insurance when you travel as a family.
If you’re seeking coverage for an adventure with the whole family, this is a great option. It offers medical assistance abroad, pharmaceutical expenses, repatriation of minors, and children’s liability.
Remember: when travelling with children, it is especially important to opt for travel insurance suited to families.
Solo-travellers and couples travelling short-term
If you’re going away on holiday to Australia, either solo, or as a couple, you want to find an insurance policy at a reasonable price with the right amount of coverage.
Luckily, there’s a great deal being offered right now, but get in quick!
Get a 5% discount on Heymondo travel insurance valid until 31 September 2023!
This is the ideal option for travellers exploring the world on their own or as a couple. This policy offers good value for money, has broad equipment and medical coverage, insures you during sporting activities, and even covers pre-existing conditions.
Backpackers and adventurers travelling short-term
If you’re looking to experience the wilder side of Australia, you need insurance that will cover all your activities. Taking out travel insurance will allow you to see Australia without worrying about any potential nightmares.
Heymondo Long Stay is the perfect policy for adventurous travellers, and for travel to countries with high medical expenses. Its comprehensive coverage includes motor vehicle accidents and adventure sports.
Activate your coupon for a 5% discount on Heymondo, available now until the end of September 2023.
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 31st of September 2023 to get a 5% discount on Heymondo Insurance:
- Click here : Activate Discount
- Fill in your info (country, coverage regions, dates, and number of travellers)
- 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.
I’ve also created a comparative table for long-term trips of 3 months or more. Check it out to see which company suits you best.
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⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | |
Long Stay Premium | Cap Adventure | IATI Insurance | Nomad | Traveller | |
Price for 3 months | 210€ | 174€ | 338€ | 126€ | 300€ |
Discount in September 2023 | – 5% | – 15% for families | – 5% | ❌ | – 10% for families |
Activate Discount | Activate Discount | Activate Discount | Get a Free Quote | Activate Discount | |
Legal assistance | 12.000€ | 13.000€ | 3.000€ | ❌ | 3.000€ |
Medical expenses | 1.000.000€ | 500.000 € | 200.000€ | 222.600€ | 150.000€ |
Hospitalization | 500.000€ | 200.000€ | Actual costs | 250.000€ | Actual costs |
Theft or loss of luggage | Optional | 2.000€ | 2.500€ | 2.670€ | 2.000€ |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | Optional | ✅ | ✅ | ❌ | ✅ |
Phone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Camera or drone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Recommended | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Review | Heymondo insurance | Chapka insurance | IATI travel insurance | SafetyWing insurance | ACS insurance |
Discount | Promo Code Heymondo | Promo Code Chapka | Promo Code IATI |
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!
Families travelling long-term
Travel insurance becomes even more crucial when travelling long-term, and you’ll travel with ease knowing that you and your loved ones are covered while in Australia.
Get a 15% Discount on Chapka Adventure for a family of 3 persons or more. Valid until 31 September 2023.
This is a great option for long-term family trips. It includes a 24-hour medical chat, repatriation and early return, and pharmaceutical expenses because access to prescription drugs is crucial when travelling with the little ones.
Solo-travellers and couples travelling long-term
It’s impossible to foresee what kinds of activities you’ll end up doing while in Australia, so it’s a good idea to opt for broad coverage, so you don’t miss out on the fun!
Activate 5% Discount at Heymondo Insurance in September 2023.
If you’re ready to dive straight into your next big adventure, either solo, or with a partner, you want peace of mind. This insurance policy is ideal for long-term trips (from 1 to 12 months), as it includes a level of medical costs, repatriation, and it allows for renewal whilst on the road.
Backpackers and adventurers travelling long-term
Australia has always been a fantasy destination for backpackers and thrill-seekers, and the opportunities really are endless when it comes to adventure activities. All the more reason to be insured!
If you’re an intrepid traveller who’s ready to leap into the unknown and experience the adrenalin and adventure of your next trip, this next long-term travel insurance is for you.
Until the end of September 2023, get a 5% discount on Heymondo Travel Insurance.
Perfect for backpackers, this policy includes a wide variety of high-risk activities, such as activities with undomesticated animals, jet skiing, and off-roading!
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 the end of September 2023!
- Activate Discount Here
- Fill in your trip info
(Country of residence, regions covered, dates, and number of travellers). - Click on “Calculate Price”.
- All done! The discount will be applied automatically.
Some of the most useful benefits of Heymondo 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 table below shows the best options for digital nomads and businesses seeking travel insurance to Australia:
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⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | |
Long Stay Premium | Cap Adventure | IATI Insurance | Nomad | Explorer | |
Price for 3 months | 210€ | 174€ | 338€ | 126€ | 195€ |
Discount in September 2023 | – 5% | – 15% for families | – 5% | ❌ | ❌ |
Activate Discount | Activate Discount | Activate Discount | Get a Free Quote | Get a Free Quote | |
Legal assistance | 12.000€ | 13.000€ | 3.000€ | ❌ | ❌ |
Medical expenses | 500.000 € | 1.000.000€ | 200.000€ | 222.600€ | £10,000,000 |
Hospitalization | 200.000€ | Actual costs | 500.000€ | 250.000€ | £10,000,000 |
Theft or loss of luggage | Optional | 2.500€ | 2.000€ | 2.670€ | £2000 |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | Optional | ✅ | ✅ | ❌ | ✅ |
Phone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Camera or drone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Recommended | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Review | HeyMondo insurance | Chapka insurance | IATI travel insurance | SafetyWing insurance | Word Nomads Insurance |
Discounts | Promo Code HeyMondo | Promo Code Chapka | Promo Code IATI |
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 31 September 2023)
- Click Here: Activate Discount
- Fill in your trip info
(Travel dates, country of residence, destination). - Click on “Calculate Price”.
- Done! The discount will be applied automatically.
- Fill in the policyholder’s details to contract the insurance.
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.
Here’s a table for those seeking travel insurance to Australia for their working holiday:
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⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | |
Working Holiday | Long Stay | IATI Star | Nomad | Explorer | |
Price for 1 month | 35€ | 80€ | 51€ | 42€ | 65€ |
Discount in September 2023 | – 5% | – 5% | – 5% | ❌ | ❌ |
Activate Discount | Activate Discount | Activate Discount | Get a Free Quote | Get a Free Quote | |
Legal assistance | 13.000€ | 12.000€ | 3.000€ | ❌ | ❌ |
Medical expenses | 500.000 € | 200.000€ | 1.000.000€ | 222.600€ | £10,000,000 |
Hospitalization | 200.000€ | 500.000€ | Actual costs | 250.000€ | £10,000,000 |
Theft or loss of luggage | 2.000€ | Optional | 2.500€ | 2.670€ | £2000 |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | Optional | ✅ | ❌ | ✅ | ✅ |
Phone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Camera or drone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Recommended | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Review | Chapka insurance | Heymondo insurance | IATI travel insurance | SafetyWing insurance | Word Nomads Insurance |
Discounts | Promo Code Chapka | Promo Code HeyMondo | Promo Code IATI |
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 in September 2023.
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
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⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | |
Long Stay | MultiTravel | Nomad | Traveller | Star | |
Price for 1 year | 169€ | 198€ | 504€ | 600€ | 751€ |
Discount in September 2023 | – 5% for all | ❌ | ❌ | – 10% for families | – 5% for all |
Activate Discount | Get a Free Quote | Get a Free Quote | Activate Discount | Activate Discount | |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 3.500.000 € | 300.000€ | 222.600€ | 150.000€ | 500.000€ |
Hospitalization | Actual costs | 300.000€ | 300.000€ | Actual costs | Actual costs |
Theft or loss of luggage | 1.700€ | 2.000€ | 2.670€ | 1.150€ | 1.500€ |
Repatriation | Actual costs | Actual costs | 17.800€ | Actual costs | Actual costs |
Sports activities | Optional | Covered | Covered | Covered | Covered |
Phone theft | ❌ | ❌ | ✅ | ❌ | ❌ |
Camera or drone theft | ❌ | ❌ | ✅ | ❌ | ❌ |
Recommended for | All types of stays | All types of stays | Digital nomad | All types of stays | All types of stays |
Review | HeyMondo insurance | Chapka insurance | SafetyWing insurance | ACS insurance | IATI travel insurance |
Discount > | Promo Code HeyMondo | Promo Code Chapka | Promo Code IATI |
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, and Japan.
Get a 5% discount on Cap Student in September 2023:
- 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 in 2023
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!
Fly at reduced prices!
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In September 2023, enjoy a 59% discount on NordVPN.
Click here to activate your discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
Stay at a discount all year round
Access Booking.com now and get discounts of up to 15% in September 2023 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
Get the best travel card
If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!
The Revolut Metal Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.
If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.
With the Revolut Metal card, you would have paid £0 in fees.
Reserve your entertainment and sightseeing in advance
GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.
With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!
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!
