Travel Insurance for Australia

Medium risk destinationEmergency department visits from $500. Surgery from $5,000. Medical evacuation can exceed $30,000.
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Insurance Required

Australian tourist visas (ETA/eVisitor) do not require travel insurance, but it is strongly recommended.

What your policy should cover for Australia

Medical

Min. $100K

Evacuation

Min. $50K

Baggage

Min. $1,500

Trip cancel

Full cost

Key risks in Australia

  • 1
    Dangerous wildlife (snakes, spiders, jellyfish)
  • 2
    UV radiation — extreme sunburn risk
  • 3
    Rip currents at surf beaches
  • 4
    Bushfire season (October–March in east/south Australia)

Insurance tips for Australia

Australia's public hospitals (Medicare) do not cover international visitors — all medical costs are out-of-pocket without insurance
Emergency evacuations from remote areas (Outback, Great Barrier Reef) can cost $10,000–50,000
Reciprocal Healthcare Agreements exist with some countries (UK, Ireland, NZ, some EU) — but these only cover immediate emergency treatment
Adventure activities (scuba diving, skydiving, bungy jumping) require specific adventure sports coverage

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Frequently Asked Questions

Do I need travel insurance for Australia?

While not legally required, travel insurance is essential for Australia. The country has excellent healthcare but it is entirely fee-based for tourists. A single ER visit can cost $500–2,000; an ICU stay could reach $5,000/day.

Does travel insurance cover the Great Barrier Reef activities?

Scuba diving and snorkelling in the Great Barrier Reef are covered by most comprehensive policies, but diving beyond 30 metres typically requires a dive-specific add-on. Always declare adventure activities.

Is travel insurance covered by my Australian working holiday visa?

Working holiday visa holders are not covered by Medicare or private health insurance as tourists. You must arrange your own comprehensive travel/health insurance for the duration of your stay.

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