Australia Travel Insurance

With breathtaking natural wonders, iconic landmarks and buzzing cities, there's no doubt that a trip Down Under is a once-in-a-lifetime adventure. Whether you're fleeing the British winter for some well-earned sunshine, or exploring Australia's cities during their cooler season - you'll find no shortage of unforgettable experiences.

Whilst it's easy to get lost in excitement, it's good to bear in mind that not everything goes to plan all the time. This is why getting quality travel insurance is essential.

Holiday Extras travel insurance policies for Australia come with protection for things like emergency medical care, cancellations and lost baggage. Our bronze, silver and gold cover levels give you the flexibility to choose the protection that suits your trip, so you can travel with confidence.

Do I need travel insurance for Australia?

While it's not a legal requirement to enter Australia, it's a good idea to get reliable travel insurance for any trip abroad. If you had an accident or became unwell and needed medical treatment, you could be expected to cover certain costs yourself.

Although there is a reciprocal health agreement between the UK and Australia, it comes with restrictions and does not cover repatriation - something travel insurance does provide. In the case of an emergency repatriation back to the UK, this could cost hundreds of thousands from somewhere like Australia. Beyond medical costs, travel insurance also protects you against issues such as lost baggage, unexpected illness, and flight delays.

If you have a medical condition, this can increase the chances of having to claim. For more information on this, take a look at our page dedicated to Holiday Insurance with Pre-Existing Medical Conditions.

Is healthcare free in Australia for British citizens?

If you're a British citizen, you can access urgent medical care in Australia thanks to the UK-Australia Reciprocal Healthcare Agreement. This may also include subsidised doctor visits and prescription medication. You should register with Medicare upon your arrival in Australia.

However, the agreement has its limits. It usually won't cover pre-existing medical conditions or treatment that can wait until you're back in the UK. It may also not cover cases where you need to call an ambulance or need a medical evacuation. Given Australia's remote locations and vast landscapes, an emergency situation could end up being very costly without insurance.

Does Australia travel insurance include activities?

Australia offers a variety of thrilling activities, from bush walking in the wilderness to surfing the Gold Coast. With so much on offer, it's important to be sure your travel insurance covers the adventures you've got planned. Some activities are covered as standard, but other higher risk activities might need an add-on or approval from the underwriter.

Winter Sports

Winter sports may not be the first thing that comes to mind when you think of Australia. However, the Australian Alps are home to a whole host of snowy activities. If you're planning on swapping your swimsuit for skis, then you'll likely need our Winter Sports add-on - designed to help you stay safe on the slopes.

Water sports

From scuba diving in the Great Barrier Reef to hitting some of the world's best surf spots. Some water sports are covered as standard, but depending on the level of risk, some water sports may require the Extended Risk add-on.

Extended Risk add-on

Taking it up a level? If you are taking part in any high-risk sports or activities, they may fall under our Extended Risk add-on. The extended risk add-on provides cover for higher-risk activities and can be selected at the 'add-on stage' before payment.

Use our handy activity checker to see whether your chosen activity or sport is covered as standard, or if you'll need to add extra cover.

Do you need a visa to enter Australia?

As a British citizen, you must have a visa to enter or transit through Australia. There are different types of visas depending on what you are doing during your trip and the amount of time you will be staying for.

For trips under 3 months:

• eVisitor visa – this visa type is free.
• Electronic Travel Authority (601) – there is no visa application charge, but there may be a service fee of $20 AUD

For trips longer than 3 months:

• Tourist stream - this allows you to stay for up to 12 months. The exact amount of time you can stay will be decided by immigration. If applying from the UK, the cost is $200 AUD.

If you are looking to do any kind of work during your trip, then you will need to apply for a working holiday visa. For full information on types of visas, visit the Australian Government website on visa's. You can read more about general entry requirements for Australia on the UK gov site for foreign travel advice.

Top tips for travelling to Australia

Healthcare in Australia can be expensive, and a small accident could end up costing thousands. With protection for things like cancellation, lost baggage and flight delays too, getting a good travel insurance policy is a must.

Australia has very high UV levels, so make sure to stock up on sun cream and consider wearing a hat during peak hours.

Due to popularity, flights and accommodation can sell out very quickly in Australia. It's a good idea to have a plan and book in well in advance to avoid hassle - especially during the summer season!

Swim at patrolled beached between the red and yellow flags. Avoid swimming alone and be aware of Jellyfish and strong currents.

Tipping is not customary in Australia, however, it is always appreciated for brilliant service.

Australia uses type I plugs, so don't forget your adaptor! For more detail on Aussie travel adaptors, check out this useful guide by Electrical Safety First on adaptors for Australia.

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