working travel insurance australia

The Best Working Holiday Travel Insurance for Australians

Matt graham.

• 9 March 2024
• Preparing to Move Overseas

When applying for a working holiday visa , most countries require you to have adequate travel insurance covering your entire stay. In fact, your visa application may be rejected if you don’t have a suitable insurance policy.

Even if it’s not mandatory for your working holiday visa, getting the right travel insurance is still extremely important! That’s because it will protect you if something goes wrong during your trip. It doesn’t just cover medical costs, but many other unexpected events that can happen when you’re travelling as well.

There are lots of companies that sell travel insurance to Australians. But it can be difficult to find one that meets both your own needs and the visa requirements for a working holiday.

If you’re travelling to Europe, your travel insurance may also need to include minimum coverage for certain things like repatriation costs.

This comprehensive guide explains everything you need to know about long-term travel insurance for Australian backpackers. This includes policies that meet the special requirements for European working holiday visa applications.

Just want the TL;DR version?

You’ll find a list of travel insurance options suitable for Australians on a working holiday towards the end of this article .

But if you have the time, we’d recommend reading this guide in full as there are lots of important things to consider before buying travel insurance!

Single-trip policies don’t let you visit home during your working holiday year

Most policies have a maximum validity of 12 months, annual multi-trip policies aren’t suitable for long-term trips or living overseas, some insurance won’t cover you while working overseas, insurance requirements may differ between countries, southern cross travel insurance, axa schengen travel insurance, insureandgo backpackers insurance (not currently available), just want a cheap option, list of other travel insurance options, other resources to help you plan your working holiday, frequently asked questions (faqs), things backpackers should consider when choosing travel insurance.

Of course, your travel insurance policy doesn’t just need to meet the visa requirements. It also needs to work for you!

Make sure you read the Product Disclosure Statement (PDS) carefully to ensure your policy covers all of the places you’ll be visiting and the types of activities you’ll be doing. For example, if you’ll be doing lots of skiing, make sure you choose a policy that covers snow sports. Some insurers only offer coverage for snow sports if you purchase this as an add-on.

If you have any pre-existing medical conditions, you should also check whether your insurer covers these.

Tip: PDS documents can be long and confusing to read! When looking for specific information in a travel insurance PDS, search for keywords such as “repatriation”, “COVID” or “sport” to easily find the section that you’re looking for.

Complimentary credit card travel insurance is not generally considered acceptable for working holiday visa applications.

If you’re not sure whether your visa application will be successful, keep in mind that some insurance policies have a “cooling-off” period of between 2-4 weeks. This lets you cancel your policy for a full refund if you change your mind within the cooling-off period. This is only possible if you haven’t yet started your trip.

Here are some other common problems that backpackers may encounter when purchasing a long-term travel insurance policy…

Most single-trip travel insurance policies cover a single return journey from Australia.

The coverage usually ends the moment you return home to Australia, even if there are still many months left to run on your policy. This could cause problems if you plan to return to Australia for a short, temporary visit during your gap year .

There is generally an exception if the reason you need to return home mid-trip is the sudden illness or death of a relative. In this case, many policies will allow you to resume your trip and continue to cover you while outside Australia. The insurance may even pay for your trip back to Australia. But this doesn’t include planned holidays or family visits.

Workaround: If this affects you, consider purchasing a backpacker insurance policy that specifically allows you to return to Australia for one or more short visits. Fast Cover also lets you return to Australia mid-trip without automatically ending your insurance coverage.

Most travel insurers only offer coverage for a maximum single-trip length of 12 months. A small number of insurers, such as Travel Insurance Direct, won’t even let you choose a policy end date more than a year after the date of purchase. This could be a problem if you plan to be away for more than a year.

Workaround: Freely lets you buy travel insurance for trips lasting up to 18 months, and Southern Cross Travel Insurance lets you buy a two-year policy if you have a working holiday visa for Canada, USA or UK.

Several other insurers will also let you extend your initial policy for up to an additional year for an extra fee.

If you plan to travel a bit more after your working holiday ends, but before returning to Australia, you may also consider purchasing a separate one-way travel insurance policy that commences outside of Australia. This would cover the period from when your working holiday finishes until your arrival back into Australia.

As an alternative to a single-trip policy, most travel insurers offer annual multi-trip insurance. This covers multiple return trips from Australia, but only up to a certain trip length. They’ll also only cover you for a maximum total amount of time spent outside Australia during a given year.

Beware: For this reason, annual multi-trip policies are generally unsuitable for working holidays.

Most travel insurance offers some level of coverage in case something happens while you are working overseas, such as during a working holiday. But there are exceptions as standard single and multi-trip travel insurance policies are generally designed for people going overseas for a holiday or short business trip.

Insurers that do cover overseas work may have exclusions for certain types of jobs that involve manual labour or are considered high-risk. These include occupations such as firefighting or working with animals. If this applies to you, check the PDS before purchasing your insurance.

Workaround: Some travel insurers offer specialist backpacker or “working overseas” policies that cover overseas work, including Southern Cross Travel Insurance.

If your Australian travel insurance doesn’t cover this, you may also consider getting local health insurance in the country where you are working. (In some countries such as Germany or the Netherlands, this may even be legally required.)

Extra travel insurance requirements for Europe

If you’re applying for a working holiday visa in a Schengen country such as Germany , Greece or Poland , there may also be specific requirements about what your travel insurance must cover.

Most Schengen Area countries have similar minimum travel insurance requirements for Type-D Schengen visa applicants. This includes working holiday visa and Work & Holiday visa applicants.

When applying for a working holiday visa in Europe , your travel insurance would typically need to provide at least €30,000 worth of coverage for all of the following:

• Emergency medical/hospitalisation expenses
• Medical evacuation costs (i.e. the cost of flying you back to Australia for hospital treatment)
• Repatriation costs (i.e. the cost of transporting your mortal remains back to Australia if you die)

At the current exchange rate, €30,000 is roughly equivalent to AUD50,000. This amount varies as the EUR/AUD exchange rate fluctuates.

Many travel insurance policies offer cover for the repatriation of mortal remains, but for less than the required amount. So, pay extra attention to this!

Your insurance must be valid in all Schengen member states and be valid for the entire length of your trip . This means that if you apply for a 12-month visa but your travel insurance is only valid for 9 months, your working holiday visa may only be approved for 9 months.

Some countries, such as Germany, will also check that your health insurance covers pandemics such as COVID-19.

As part of your working holiday visa application, you may need to provide evidence that you hold travel insurance that meets this minimum criteria. That may include providing your certificate of insurance, and showing excerpts from the Product Disclosure Statement (PDS) which clearly state the level of coverage for the items listed above.

If your insurance doesn’t meet the minimum standards required by the country you’re travelling to, your visa application could be rejected . So, it’s really important to check the rules and your travel insurance policy carefully!

Visa conditions may differ between European countries. So, you should always confirm the requirements set by the specific country where you’re applying for your working holiday visa.

Countries that have reciprocal health care agreements with Australia , such as Belgium, Sweden and Norway, may have more lenient travel insurance requirements for Australian working holiday visa applicants. But this isn’t necessarily the case for all countries with a reciprocal Medicare agreement. You may still need to get travel insurance in order to get your visa.

Recommended travel insurance for backpackers

As you can see, selecting a suitable backpacker travel insurance policy can be a bit of a minefield!

To help you out, here are a few travel insurance options that may be suitable for Australians on different types of working holidays…

Freely offers affordable and flexible long-term travel insurance to Australians heading overseas for up to 18 months. That’s six months longer than the maximum period most other Australian insurers will cover! This makes Freely travel insurance ideal if you’re planning a full-year working holiday with a bit of extra travel between leaving and returning to Australia.

Although Freely normally provides up to $20,000 of cover if you die while overseas, there is an exception for people holding a valid Schengen Visa such as a working holiday visa in a Schengen member country. This makes it a suitable travel insurance option for working holidays in Europe.

This is the exact wording from the Freely PDS regarding cover for repatriation costs:

We  will pay reasonable overseas funeral or cremation expenses or the cost of returning  your  remains to Australia if: a) you  die during the  period of insurance . In either event the maximum amount  we  will pay in total will not exceed $20,000; or b)   you  hold a valid Schengen Visa and  you die in a Schengen Member state during the  period of insurance . In either event the maximum amount  we  will pay in total will not exceed 30,000EUR for expenses incurred in that Schengen Member state.

Freely also lets you extend your trip by changing your return date in the App. And you can pay for Daily Boosts to do things like skiing or motorcycling – you pay-per-day, as needed.

Plus, there’s a 21-day cooling-off period. You can get a full refund if you change your mind within 3 weeks of buying the policy and haven’t yet started your trip or made a claim.

Here are some key facts about Freely travel insurance:

• Underwriter: Zurich
• Cover for emergency medical expenses including evacuation: Unlimited
• Cover for repatriation of mortal remains: $20,000 or €30,000 with a valid Schengen visa
• Maximum policy length: 18 months
• Coverage ends as soon as you return to Australia? Yes

Fast Cover is currently one of the only travel insurers in Australia that will let you return home to Australia for any reason while you’re still insured for your trip, and won’t automatically terminate the rest of your cover.

This is what the Fast Cover PDS says in the “Period of Insurance” section. The following excerpt applies to all Fast Cover travel insurance policies:

If you return home early for any reason, cover from your policy will be suspended from the time you return to your home until the time you leave your home to continue your trip. You must have 14 days remaining of the period of insurance as noted on your Certificate of Insurance. Following the resumption of your trip your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first. We will not pay any costs in relation to your return to Australia unless the costs are covered by this policy.

Although the maximum policy length you can purchase is for one year, Fast Cover provides the option to extend your insurance up to a travel period of 2 years.

Unfortunately, all of Fast Cover’s international travel insurance policies have a sub-limit of $20,000 for “bringing your remains back to your home in Australia”. This does not meet the Schengen visa requirements.

Fast Cover also offers a 25-day money-back guarantee.

Here are some key facts about Fast Cover travel insurance:

• Underwriter: Lloyd’s
• Cover for repatriation of mortal remains: $20,000
• Maximum policy length: 12 months (can extend for a total trip length of up to 24 months)
• Coverage ends as soon as you return to Australia? Not necessarily

Southern Cross Travel Insurance (SCTI) offers a dedicated “Working Overseas” travel insurance policy designed for Australian expats and backpackers on working holidays. As such, it also covers some types of work that you might do overseas and a range of medical services you might need while living overseas, including physiotherapy and dental care.

Going on a working holiday in Canada, the USA or the UK? You can get up to 24 months of cover on a single certificate with SCTI! Although Southern Cross only sells policies for trips up to 12 months online, you can buy a longer policy by calling them . This could be particularly useful if you’re participating in International Experience Canada and staying for the full two years available.

The trade-off is that the Southern Cross Working Overseas policy is among the most expensive travel insurance available to young Australians.

Here are some key facts about Southern Cross travel insurance:

• Underwriter: Southern Cross (SCTI underwrites its own policies)
• Cover for repatriation of mortal remains: $50,000
• Maximum policy length: 12 months (Australians getting a working holiday visa in Canada, USA or UK can get a 24-month policy over the phone)
• Coverage ends as soon as you return to Australia? Yes, unless your early return to Australia is due to an unexpected event (such as the unexpected death or serious illness of a relative under 85 years old)

Most Australian travel insurance options require you to start and finish your journey in Australia. Some will still offer you a policy if you’re already overseas, but with extra limitations – and you still need to return to Australia at the end of your trip.

If you’re not starting or ending your trip in Australia, and you just want up to six months of cheap travel insurance that meets the requirements for visas in Schengen countries, AXA’s Schengen travel insurance could be suitable. AXA is not an Australian company, but you can purchase AXA Schengen insurance as an Australian resident.

Here are some key facts about AXA Schengen insurance:

• Underwriter: AXA Insurance
• Cover for emergency medical expenses including evacuation: €30,000 (with Schengen Low Cost policy) or €100,000 (with Schengen Europe Travel policy)
• Cover for repatriation of mortal remains: €30,000
• Maximum policy length: 6 months
• Coverage ends as soon as you return to Australia? No. In fact, it doesn’t matter whether you start, end or visit in Australia – this just covers your medical and other basic expenses while in Europe.

Before the COVID-19 pandemic, InsureandGo offered special backpackers insurance with a maximum trip length of 540 days (almost 18 months). This insurance also came with the option to return to Australia mid-holiday for visits of up to 14 days, without voiding the insurance. Although it didn’t meet the Schengen visa requirements, this was a fairly good option for working holidays in other countries.

Unfortunately, InsureandGo has temporarily suspended sales of this type of insurance.

We compared the cost of travel insurance for a 25-year-old Australian travelling to Europe for one year with each of the providers listed in the table below . The cheapest insurance options appeared to be with Travel Insurance Saver, Australia Post and Tick Travel Insurance.

Tip: Save 10% on Australia Post Travel Insurance using the promo code TRAVEL10.

If you’d like more options, we’ve included some key information about the cover available to Aussies from a range of insurers in the table below:

The list above is not necessarily exhaustive, but contains some of the most useful options for Australians who need travel insurance for a working holiday.

If you’re travelling to Europe, please note that Tick and Southern Cross Travel Insurance provide AUD50,000 coverage for the repatriation of mortal remains. This would generally meet the EUR30,000 requirement, but this depends on the current exchange rate.

As of March 2024, AUD50,000 is equivalent to around EUR30,300 so should meet the Schengen visa criteria. But a few months earlier, this would not have been the case.

Planning a working holiday overseas? Working Holidays for Aussies has lots of other resources that can help you prepare for this exciting time in your life!

We have working holiday visa guides for all of the 40+ countries that offer these visas to Australian citizens:

These 45 Countries Offer Working Holiday Visas to Australians

See the full list These 45 Countries Offer Working Holiday Visas to Australians

These articles might also help you on your journey…

How to Survive the First Weeks After Moving Overseas

Read the article How to Survive the First Weeks After Moving Overseas

How to Find Work Overseas

Read the article How to Find Work Overseas

The Cheapest, Fastest Ways to Transfer Money Overseas

Read the article The Cheapest, Fastest Ways to Transfer Money Overseas

How to Send Your Bags to Another Country Affordably

Read the article How to Send Your Bags to Another Country Affordably

Enrich Your Gap Year with a Contiki Tour

Read the article Enrich Your Gap Year with a Contiki Tour

Each country sets its own travel insurance requirements for backpackers. When applying for a working holiday visa in Europe, you’ll need to show proof of travel insurance that provides at least EUR30,000 of cover for emergency medical, evacuation and repatriation costs.

The complimentary travel insurance that comes with some credit cards may not meet the required standards for a working holiday visa and may not be accepted. Depending on the country you’re travelling to, you may need to purchase a separate travel insurance policy that meets the visa requirements.

Yes, travel insurance is extremely important as it will protect you if something goes wrong during your travels. It is also a mandatory requirement when applying for many working holiday visas.

Most Australian international travel insurance policies provide some level of cover for events relating to COVID-19, including if you or your travel companion contract COVID-19 and need medical treatment or need to alter your trip. However, things like border closures are not generally covered. Check the PDS for details about what your insurance policy may or may not cover.

A one-way travel insurance policy is designed only to cover you while you are in transit to an overseas destination. The cover will generally end within 24 hours of your arrival at your intended destination.

In general, you need to purchase travel insurance before you start your trip and you need to plan to return to Australia (or your home country) at the end of your trip. However, if you’ve already left the country, some insurers do offer travel insurance to cover the remainder of your trip until you get back to Australia. These policies typically do not provide any cover during the first few days after you purchase the policy and may have a higher excess.

When applying for a Schengen visa, your travel insurance must include at least EUR30,000 of coverage for emergency medical, evacuation and repatriation costs, including for the repatriation of mortal remains back to your home country.

Please note that the information on this page is general in nature only and does not consider your personal circumstances. Please consider your own personal circumstances and if in doubt, seek independent advice, before purchasing a financial product such as an insurance policy.

This page may contain affiliate links. Working Holidays for Aussies may receive a commission if you make a purchase using a link provided on this page.

While best efforts are made to keep this information updated, we do not guarantee its accuracy. If you spot an error, would like to suggest new information to be added or simply have a question, please let us know in the comments .

Share This Article

Related Articles

Europe Working Holiday Visas for Australian Citizens

2 thoughts on “ the best working holiday travel insurance for australians ”.

Hi, I’m just trying to get insurance that meets the requirements for a German Working Holiday Visa. I’m just struggling to find one that covers for pandemics, which is a requirement. I was just wondering if you had any advice on finding an appropriate insurance policy or knew any which provide cover for pandemics? Thank you

You are correct that most travel insurance policies have a general exclusion for pandemics. However, many policies will cover certain costs relating to COVID-19, specifically.

Perhaps you could clarify with the German Consulate General whether you just need insurance that covers COVID-19, or whether it needs to be all pandemics – and if so, do they have a policy they suggest that meets this criteria?

If it just needs to cover medical, repatriation, hospitalisation and coronavirus travel costs relating to pandemics (but not necessarily other general expenses relating to pandemics), NIB and Travel Insurance Saver may work. (See https://api.nibtravelinsurance.com/products/v1/nibau/regulatoryWordingDocuments/INT-COM/HTML?Partnergroupid=9 and search for the word “pandemic” to see the relevant section in the PDS.)

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Notify me via e-mail if anyone answers my comment.

Best Australia Travel Insurance for Backpacker [Working Holiday]

Daniel Kovacs Australia , Planning Insurance 0

In order to do a Working Holiday in Australia, you need a special International Health and Travel insurance. The health insurance is one of the most important steps for your trip to Australia. Because depending on your country of residance the majority of health insurance companies don't cover the stay in Australia.

Going overseas with a Working Holiday Visa you need proper long-term travel health insurance that covers you in Australia. The ability to travel and work for 1 to 2 years abroad should be included. Many health and travel Insurance only cover 6 weeks holiday per year.

I have done the research for you and in this article I summarize everything you need to know about the International Health and Travel Insurance for Australia.

Important : The international health & travel Insurance must be valid for the entire duration of your stay in Australia as a Working Holiday Maker, otherwise you may be denied entry to Australia.

So, which is the best health insurance for Working Holiday in Australia?

The short answer: The best international health & travel insurance for Working Holiday in Australia is available from World Nomads* . They offer special insurance for working holiday makers, au-pairs, students and long-term travelers.

World Nomads is a travel insurance company based in Australia. It was founded in 2002 by Simon Monk, a traveler who wanted to address the three key concerns: freedom, safety, and connection.

World Nomads is the perfect insurance company for backpackers and travelers. It’s meant for people who are always on the move, and it covers all the essentials you want in travel insurance.

▷ World Nomads Travel Insurance*

Basics: What you should know in advance.

I started travelling with the working holiday visa in 2015. I stayed in Canada, New Zealand, Australia and South East Asia. In the last 5 years I gained alot of experience with many different Travel and Health Insurance companies.

International Health Insurance is a complex topic. Which health insurance really fits you and your needs can depend on your personal situation. Do you have dental problems? Or any sickness? If yes, you should spent time with this topic more intense and also get in contact with the different Health Insurance Companies to get the Health Insurance that fits your uniqe situation.

,,For 2022 we recommend Travel Credit Card from Revolut . No Annual Fee, withdrawling cash abroad is free"

Find out more in the article: Best Travel Credit Card for Working Holiday!

Do I need international health insurance for Australia?

The simple answer: YES ! As part of the Working Holiday Maker Program for Australia, all Travelers entering Australia with the Working Holiday Visa need a valid health Insurance that covers the duration of the stay in Australia.

The complex answer: Australia has a special agreement with some countries, so that travellers from these countries are also covered by the Australian health system “Medicare”. More details about the countries in the next chapter.

Moreover, many health insurance companies do not even cover a trip to Australia or they don't include work abroad.

Tip : If you are not from an english speaking Country have the policy of your international health insurance either translated directly by the insurance company or do it online via LingoKing*! (At Lingoking you can easily have all kinds of documents translated.)

Tip no. 2 : Even if you do not want to stay a year in Australia, I always advise to take the health insurance for at least 1 year. You can reclaim the remaining amount after your return and it will be paid back to you. But if you want to stay longer in Australia and you were not granted a complete year due to the duration of the insurance, you cannot change this afterwards. Furthermore, you risk being completely rejected even on arrival.

The health care system in Australia and the Medicare Card

Australia has a special agreement with some countries! This means that travellers from the United Kingdom, Ireland, New Zealand, Sweden, Netherlands, Finland, Belgium, Norway, Slovenia, Malta and Italy are also insured through the Australian health care system and can receive the so-called Medicare card and do not need to take out extra insurance.

If you are not a member of one of the above countries you should check if your national insurance plans cover international travel – sometimes it also depends on the length of your stay. If not, it is highly recommended to get a travel insurance.

As a member of the United Kingdom , you are eligible for Medicare. However, you aren’t covered at work for example, or when you need repatriation back to the UK if necessary. That’s why you need to consider getting a travel insurance.

What does the Working Holiday Australia Health Insurance cost?

The prices of the different plans for the health insurance can vary from company to company. It also plays a role whether the health insurance covers work in Australia. Or do you want to continue travel after Australia?

Especially North America (Canada & U.S.) are very expensive. This is why insurances companies differ between the whole world including U.S. and Canada and for the whole world without U.S. and Canada.

For Working Holiday in Australia, you can find health insurance starting at around 40 – 100 Euros per month. You can use the widget below to get a quote from World Nomads:

Apply for your health insurance before departure!

You must apply for your international health and travel insurance before you leave your Country! The most health insurance companies do not accept, when you apply after you already left. You will lose your insurance cover if you did not apply before your trip started!

Can I buy a travel insurance policy if I'm already overseas?

YES! 🙂 You can be travelling anywhere in the world and still buy a policy with World Nomads! This is another reason why this Insurance is the BEST! You don't have to be at home or within your country of residence to buy this travel insurance.

How do I apply for the health insurance for Australia?

You can apply easy from home. Simply apply for your health insurance online and fill out the form. You will receive the healt insurance policy via email! After print it out and put it to your travel documents.

Tip : Create copies of all important documents before you arrive in Australia (print them out and save them in a cloud -> e.g. DropBox* or via email)

Tip No. 2 : If you are not from an english speaking Country have the policy of your international health insurance either translated directly by the insurance company or do it online via LingoKing. This will simplify the process at the border in Australia. (You can also have the translation done online with LingoKing* )

▷ For more Information about World Nomads Health and Travel Insurance* visit their Website.

My conclusion – International Health & Travel Insurance for Australia

International health insurance for your Working Holiday year in Australia is mandatory and also protects you from unpleasant financial surprises! Not only because you run the risk of being denied on entry to Australia without a valid health insurance (must be valid for the entire stay). But also because accidents or illness can happen faster than we like.

Based on the experiences of my last 5 years of Travel I recommend the health insurance and special travel insurance from World Nomads* .

World Nomads was founded by backpackers so they know exactly what the budget traveler needs in their plan. If it sounds like the company for you, you can use the widget below to get a quote:

I wish you much fun in Australia!

• Ultimate Backpackers Packing List! [Free PDF]
• The ultimate document checklist for Australia [with PDF]
• The most useful travel apps for your journey through Australia
• 15 Easy Tips to ALWAYS finding the Cheap Flights
• 10 Tips How To Pick A Good Hostel
• MELBOURNE: 11 Places To Visit Before You Die

Ciao Daniel 🙂

Follow Me on YouTube , Facebook , and Instagram .

If you find this helpful: Share It with your friends!

Related Posts

Australia , Planning

First days in Australia

Australia travel preparation

Australia , Job & Work , Planning

RSA Certificate in Australia

Leave a reply cancel reply.

Your email address will not be published. Required fields are marked *

• United States
• United Kingdom

Working holiday travel insurance

Find travel insurance for casual, full-time or volunteer work if you're heading overseas..

In this guide

Comparison of travel insurance brands that cover working overseas

What does working holiday travel insurance cover, working holiday travel insurance general exclusions, compare travel insurance for your next working holiday, faqs about non-australian residents and travel insurance.

Destinations

What you need to know

• Lots of Australian insurers will cover you for up to a year or longer if you are heading overseas to work.
• Travel insurance will not cover manual or hazardous work.
• Travel insurance will not cover you for personal liability while working.

Note: This information was last updated August 2022

While it will depend on your insurer, you can find cover for:

• Non-manual work. This can be paid or unpaid includes professions such as clerical duties, teaching and childcare.
• Manual work. Some policies offer cover for paid or volunteer work in industries such as maintenance, general farm work, retail and hospitality. If your profession is going to require you working at heights, make sure that it is included in the policy.
• Guide work. This include work as guide or instructor for activities such as skiing or surfing. Make sure that the activity is covered by the policy.

List of work that is generally covered by travel insurance

• Administration
• Hospitality
• Working on a cruise ship
• General farm work
• Working on a yacht
• Gym instructor
• Yoga teacher
• Swimming instructor

What don't working holiday travel insurance policies cover?

Just like what you are covered for, what you aren't covered for will vary from insurer to insurer. However, conditions that you should be aware of may include:

• Personal liability. While you will have cover for personal liability when travelling as part of most travel insurance policies, this benefit does not cover you while you’re working.
• Working at heights. Generally working heights of five metres or higher above ground is prohibited.
• Offshore. Most travel insurance policies will exclude cover if your overseas work will be offshore.
• Working underground. Generally there is no cover for working underground in mines or caves.

Finder survey: What types of holidays have Australians taken?

The general exclusions, or circumstances in which cover will not apply, are the same for working holiday travel insurance as for normal travel insurance policies. These include:

• Theft of unattended luggage. If you are deemed to have been negligent in the supervision of your belongings.
• Irresponsible behaviour. Reckless behaviour or acts committed under the influence of drugs or alcohol.
• Non-disclosure. Claims arising from circumstances of which you had prior knowledge and failed to disclose to the insurer.
• Illegal behaviour. Breaking of government prohibitions or regulations, including visa requirements.
• Actions by a government authority. Claims resulting from foreign government confiscation, detention or destruction.
• Self-harm. This includes suicide or attempted suicide.
• Pre-existing medical conditions. If you claim is related to a medical condition that was already affecting you prior to your departing on your trip.
• Adventure activities. Pastimes such as such as skiing, rock climbing, skydiving or hang gliding, unless included in the policy.
• Scuba diving. Underwater diving, unless you hold a current licence or are with a licensed instructor.
• Flying. Any form of air travel not in a licensed passenger aircraft.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Am i covered by a reciprocal health care agreement (rhca).

The Reciprocal Health Care Agreement (RHCA) is an agreement with Australia that allows you to receive basic health care under that country's version of Medicare. Participating countries include Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden and the UK.

An RHCA allows you to access free or subsidised medical treatment and prescription medicines. It's not a substitute for travel insurance.

Can I get travel insurance on a work visa?

Yes. You can get travel insurance on a work visa. However, make sure it satisfies your visa requirements. It's possible that you will need to take out form of health insurance from the country you are travelling to.

Do I need travel insurance for a working holiday in Australia?

Working holiday visa holders in Australia need Overseas Visitor Health Cover to meet their visa requirements, unless they are from an RHCA country . OVHC is not the same as travel insurance.

What kind of insurance do I need for Working Holiday Visa?

If you're travelling to Australia, you will need Overseas Visitor Health Cover , unless you are from an RHCA country .

Australians travelling overseas will need to check the requirements of the country they are going to.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

More guides on Finder

Ready to get moving? See quotes and compare travel insurance policies for Bali from 13 brands

If you’re planning to travel to a country that has high travel risks, learn how cover is and is not provided.

Ready to get moving? See quotes and compare travel insurance policies for Netherlands from 13 brands

Ready to get moving? See quotes and compare travel insurance policies for Spain from 13 brands

Ready to get moving? See quotes and compare travel insurance policies for Canada from 13 brands

Ready to get moving? See quotes and compare travel insurance policies for Japan from 13 brands

Long term travel insurance is designed to meet the specific needs of travellers planning extended trips away, including backpackers and business travellers.

Keep yourself and your belongings safe on your European escape by comparing insurance polices today.

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

Visiting Australia? Consider Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Different types of travel insurance

Do you need travel insurance for australia, which credit cards offer australia travel insurance, other ways to get travel insurance, if you want to get travel insurance for australia.

Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance . Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance . Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance . Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance . Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance . Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance . A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance . Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

» Learn more: The best travel insurance companies, according to Nerds

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

» Learn more: What you need to know before shopping for travel insurance

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.

Many Chase credit cards offer primary rental car insurance, which will cover you in the event of an accident without needing to involve your personal auto insurance company. You’ll need to decline the rental car company’s coverage and pay with your eligible Chase card .

You can find trip delay insurance, emergency medical evacuation, lost baggage coverage and more among the different protections offered by these cards. Here are some of the more common travel cards that provide complimentary travel insurance.

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express . Terms apply.

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

United℠ Explorer Card .

You’ll want to read each card’s benefits guide very carefully before deciding which card to use. For example, both the The Platinum Card® from American Express and the Chase Sapphire Reserve® offer lost luggage insurance. Terms apply.

However, insurance from the The Platinum Card® from American Express only applies in the event that you’ve either paid for the full fare with your AmEx card or have redeemed your AmEx points for the flight. Using your card to pay the taxes and fees on an award flight you’ve booked elsewhere — such as redeeming Delta SkyMiles for your flight — does not mean that you’ll receive insurance coverage benefits. Terms apply.

This is in contrast to the Chase Sapphire Reserve® , whose lost luggage benefit is much more generous. In the event that your luggage is lost, you need only have paid the remainder of the charges for the flight after redeeming reward miles, points, coupons or other certificates. This means that charging just the taxes and fees on your card renders you eligible for benefits.

Aside from American Express and Chase cards, you may also want to consider the Capital One Venture X Rewards Credit Card .

Capital One’s offering includes a plethora of travel insurance benefits, including primary rental car insurance, travel accident insurance, trip cancellation and interruption insurance, lost luggage reimbursement, trip delay reimbursement, travel and emergency assistive services and more. Of course, in order to qualify for these benefits, you’ll need to have charged the trip to your card. Benefits may change over time.

» Learn more: The best credit cards with travel insurance

Even if your card provides complimentary travel insurance, you may also want to consider acquiring an additional policy — especially if you’re planning on some of the more adventurous activities you’ll find within Australia, such as camping in the Outback.

Health insurance benefits provided by credit cards such as the Chase Sapphire Reserve® max out at relatively low levels, which may mean you end up paying out of pocket in the event of an emergency.

If you’re looking for a supplemental policy, you’ll want to check quotes from a variety of providers. You can do this manually, but websites such as Squaremouth will compare multiple policies at once, making it much easier to peruse offerings. You can also filter your search according to the type of coverage you’d like.

» Learn more: Is travel insurance worth it?

Travel insurance can provide peace of mind to the wary traveler. Whether or not you’re interested in purchasing travel insurance, a variety of credit cards offer complimentary coverage for incidents such as trip delays, emergency medical care, rental car collisions and lost luggage.

Otherwise, you may want to consider buying an additional policy to ensure that you’re covered. If this is what you’re looking to do, make sure to acquire quotes from a variety of providers in order to find the best deal possible.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Insurance for Australia in 2024

Travelex Insurance Services »

Allianz Travel Insurance »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Australia.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Most travelers heading "Down Under" need to make quite the trek, and that's especially true for those planning a trip to Australia from the United States. Flying from Los Angeles to Sydney takes around 15 hours, and even more travel time is required to get to Melbourne and other destinations that require a layover on the way.

Plenty can go wrong en route to Australia as well as once you get there, and the potential for financial losses can be great if you're not careful. Not only can traveling long distances increase the risk of travel delays, but you also face the risk of flight cancellations, baggage delays, lost baggage and missed connections.

These are just some of the reasons why it makes sense to have a robust travel insurance plan in place before you fly overseas for a vacation in Australia. While any reputable travel insurance provider can provide you with protection for emergency medical expenses, your bags, travel delays and other various travel mishaps, we curated this list of top travel insurance plans for a trip to Australia specifically.

Frequently Asked Questions

Travel to Australia requires a huge commitment in terms of travel time and cost, which is why you'll want to make sure you have coverage that can reimburse you if something goes wrong. If your flight is delayed or canceled , your bags are lost in transit, or a missed connection leaves you stuck in another country for several days, having travel insurance means you can get reimbursement for unexpected hotel stays, meals you have to pay for and various incidental expenses.

Having travel insurance for Australia that includes medical coverage is also crucial since coverage provided in U.S. health plans will not apply.

Some travel credit cards offer coverage for trip cancellations or interruptions, travel delays, and lost or delayed baggage. However, credit cards are a poor source for coverage that protects against emergency medical expenses. Most credit cards do not offer coverage for emergency medical expenses or emergency medical evacuation at all, and those that do (such as the Chase Sapphire Reserve ) have insufficient coverage limits.

• Travelex Insurance Services: Best for Families
• Allianz Travel Insurance: Best for Flexible Cancellations
• Generali Global Assistance: Best for Medical Emergencies
• World Nomads Travel Insurance: Best for Adventure Travel
• GeoBlue: Best for Travel Health Insurance

Kids ages 17 and younger are covered automatically with Travel Select plan

Primary coverage with no deductibles

Lower limits for medical expenses than some providers

• 100% trip cancellation coverage worth up to $50,000
• 150% trip interruption coverage worth up to $75,000
• Trip delay coverage worth up to $2,000 for delays of five hours or longer ($200 daily limit applies)
• Missed connection coverage worth up to $750 for delays of three hours or longer
• Up to $50,000 in protection for emergency medical expenses (dental sublimit of $500)
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Up to $1,000 in coverage for baggage and personal effects
• Up to $200 in coverage for baggage delays of 12 hours or longer
• Up to $200 in coverage for sporting equipment delays of 24 hours or longer
• $25,000 in coverage for accidental death and dismemberment (AD&D)

Optional CFAR coverage reimburses at 80%

Numerous plans to choose from

Lower coverage limits for medical expenses than some providers

• Up to $100,000 per traveler in coverage for trip cancellations
• Up to $150,000 per traveler in coverage for trip interruptions
• Up to $500 per traveler in Trip Change Protector coverage
• Up to $50,000 in emergency medical coverage per traveler
• Up to $500,000 for emergency medical transportation per traveler
• Up to $1,000 toward baggage loss or damage per traveler
• Up to $300 per traveler in coverage for baggage delays of 12 hours or more
• Up to $800 in protection for travel delays per traveler (daily limit of $200 applies)
• $100 per insured person per day in SmartBenefits coverage for eligible delays
• 24-hour hotline assistance
• Concierge services

Tailor medical coverage to your needs

Generous limits for emergency medical and medical evacuation coverage

Coverage for preexisting conditions only available with Premium plan

Optional CFAR coverage with Premium plan only reimburses at 60%

• Trip cancellation coverage up to 100% of the trip cost
• Trip interruption coverage up to 175% of the trip cost
• Travel delay coverage up to $1,000 per traveler ($300 daily limit)
• Up to $2,000 per person in baggage protection; $500 for delays
• Up to $2,000 per person in coverage for sporting equipment; $500 for delays
• Up to $1,000 per person in missed connection coverage
• Up to $250,000 per person in coverage for emergency medical and dental procedures
• Up to $1 million in coverage for emergency assistance and transportation ($10,000 limit for companion hospitality expenses)
• Up to $25,000 per person in rental car coverage
• Accidental death and dismemberment coverage

Coverage for more than 200 sports and activities

24-hour travel assistance services included

Low coverage limits within standard plans

No coverage for most preexisting conditions

• Up to $10,000 in coverage for trip cancellations
• Up to $100,000 in coverage for emergency medical expenses
• Up to $500,000 in protection for emergency medical evacuation
• Up to $3,000 in protection for damage or theft to your bags or gear

Offers travel health insurance for lengthy trips abroad

Deductibles can apply

Some plans require a primary U.S. health insurance plan

• Up to $1,000,000 medical maximum per insured person
• Up to $500,000 in coverage for emergency medical evacuation per trip
• Up to $50,000 in coverage for accidental death and dismemberment
• Up to $2,500 in coverage for emergency family travel arrangements
• Up to $25,000 in medical coverage for hazardous activities like skiing and diving
• Up to $500 per trip in lost baggage and personal effects coverage ($100 limit per bag)
• Up to $1,000 per trip period in post-departure trip interruption transportation
• Up to $50 per day in post-departure trip interruption quarantine coverage (in the case of COVID-19)
• Up to $25,000 in protection for repatriation of remains

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering topics like family travel, cruises, all-inclusive resorts and travel insurance for well over a decade. Johnson has researched and purchased travel insurance plans for her own trips, and she has successfully filed claims and received reimbursement more than once over the years. Currently, Johnson uses an annual travel insurance policy from Allianz to cover her family's many trips overseas each year. Johnson also works alongside her husband, Greg – who sells travel insurance for trips all over the world – in their family media business. Johnson also co-owns the travel agency Travel Blue Book .

You might also be interested in:

Travel Insurance for Europe: 4 Best Options for 2024

Holly Johnson

Learn about a range of coverage options for traveling abroad.

The Best Travel Insurance for Mexico in 2024

Find coverage options for medical emergencies, travel delays, lost baggage and more.

Expat Travel Insurance: The 5 Best Options for Globetrotters

Find the coverage and benefits you need for your adventures abroad.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Quick Links

• Cancel Policy
• Make a claim

Working Overseas

Working overseas travel insurance, living and working abroad.

Working overseas can be one of the most enriching experiences of your life. It’s a great way to understand different cultures, learn new skills and discover all the world has to offer. But when it comes to travelling, there’s always room for the unexpected to happen, so it’s important to protect yourself with comprehensive travel insurance.

Our Working Overseas travel insurance policy is designed to provide the comprehensive benefits of a standard travel insurance policy, whilst also covering while living and working abroad.

Get a Working Overseas quote now

What is travel insurance for working holidays?

Whether you’re planning a big OE to Canada or the UK, a working holiday travel insurance policy can be a great option for you. It provides comprehensive coverage for a range of travel-related issues, including medical expenses, emergency medical evacuation, trip cancellation, trip interruption, lost or stolen baggage, and more.

As a working holiday traveller, it's important to have adequate coverage to protect yourself financially and ensure you receive the necessary medical treatment if something goes wrong as you may not be eligible for healthcare at your chosen destination.

What our Working Overseas travel insurance policy covers

We want you to relax and enjoy your time spent working overseas. Our Working Overseas travel insurance is specifically designed for you to remove the worry and anxiety should something not go quite to plan.

$2,500 Options to increase up to Unlimited

This table is a summary of the Working Overseas policy benefits and shows the maximum cover under each benefit for each person (unless otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).

Why choose a Working Overseas policy?

We know that living overseas is different from going on a holiday or visiting family and friends overseas, and our Working Overseas policy reflects that. When you’re working overseas, you require a policy that suits what you’re going to be doing and will give you peace of mind while you’re enjoying your overseas experience.

Below are some of the features of our Working Overseas policy:

• We offer cover for office-based work, educational work, healthcare and manual work, including retail hospitality.
• We offer Comprehensive Cover with three excess options ($0, $100 & $250), so you can tailor the plan to work best for you.
• Under Section D.1 of our Product Disclosure Statement  (Medical and Evacuation), we offer cover for a range of services that you may require while overseas including dental treatment, optical treatment, maternity care, ancillary services (chiropractor, physiotherapist), rehabilitation and occupational therapy, and mental health.
• Under Section D.3 of our Product Disclosure Statement  (Changes to Your Journey once you have left), we offer cover for resuming your journey, so you can get back on track if you have to return to Australia as a result of an unexpected event.
• We provide cover for COVID-19 under section D.1 Medical and evacuation for medical expenses and evacuation if you’re diagnosed with COVID-19 while on your journey. All of our policies come with worldwide emergency assistance, giving you access to one of the world's largest networks of emergency medical resources, 24 hours a day, 7 days a week.

What we’re unable to cover

We do not cover professional sports or hazardous work. We consider hazardous work to be any work or occupation (paid, unpaid or voluntary), where you are exposed to an increased risk of physical danger, harm or any adverse health effects as a result of your duties or the location of your work.

All work, occupations, business or professions are excluded under Section D.7, Personal Liability.

Here are some examples of occupations we consider to be hazardous:

• Aircraft crew member
• Armed forces
• Cement and concrete manufacturing
• Commercial fishing
• Construction work
• Deep sea drilling
• Fire fighting
• Power line repair
• Search and rescue
• Slaughterhouse work
• Structural and steel work
• Tornado chasing
• Work with wild animals
• Working in any type of mine or oil or gas field

If you are still unsure whether your role would be considered 'Hazardous work', please feel free to give us a call on 1800 196 484 or send us an email at [email protected] . Please click here to see the Product Disclosure Statement  in full.

Is the Working Overseas policy right for me?

We've designed this policy to cover people who are temporarily living overseas and working, or on a working holiday.

If you are only travelling overseas to attend a work or business conference, there may be cover under our International Comprehensive travel insurance policy and we recommend that you check whether this policy is suitable for you.

Our Working Overseas policy is available to you whether you have a return or one-way ticket. You can buy cover from one month to 12 months, and don’t have to be working while you’re overseas to purchase this policy.

For full details, please refer to the Product Disclosure Statement , and if you’re unsure about the type of work you’re planning to do overseas, we would be happy to answer any questions  you might have.

What destinations should I choose?

When you’re living and working overseas, we know that you may want to holiday in other countries as well. The good news is that there is cover under our Working Overseas policy for leisure trips to other destinations, as well as the country you’re spending most of your time in.

However, it is important that we know of all destinations that you’re planning to visit.

For example, if you’ll be working in the United Kingdom but you plan to visit France, you must let us know that you require cover in France, either when you’re buying your policy or before you leave for your trip to France. Depending on the country you plan to visit, there may be an additional premium that you need to pay.

When considering which destinations to choose, please check the travel advisory risk rating published on Australian Department of Foreign Affairs and Trade website . Destinations with a travel advisory risk rating of ‘do not travel’ or ‘reconsider your need to travel’ are not covered for unexpected events relating to the reason why travel advisory was issued for a destination or region by the Australian Department of Foreign Affairs and Trade. For more information please visit our website here .

What if things change?

One day you’re living in New Caledonia, the next you could be in New York! If your situation changes and you need to make a change to your Working Overseas travel insurance policy, get in touch with us, and we can make the necessary changes for you. You will need to make sure that your policy is kept up-to-date, ensuring that the destinations you travel to are covered. If you need to contact us from overseas, you can either email us at [email protected] or call us on +61 1800 196 484.

Frequently asked questions

Get in touch.

Got a question? We have lots of quick answers here.

Get in touch with the team and we'll be happy to help.

Call us Monday to Friday 8.30am to 5.00pm (AEDT).

• 1300 409 322 Australian Based Call Centre

Working Holiday Insurance

Travel insurance for travellers on a working holiday 

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy , or you can contact us for assistance.

Travelling internationally means leaving behind Australian Medicare benefits, so  it's essential to take out working holiday travel insurance before you head off overseas.

Whether you're headed to Canada on the   IEC program   to work the snow season, teaching English in Southeast Asia, volunteering in Africa, or working at a summer camp in the United States , a working holiday is a fantastic way of sustaining your travels or topping up your bank account for your next overseas adventure. 

Fast Cover’s working holiday travel insurance provides cover from one day up to one year initially, with the option of extending your policy up to two years if you're having too much fun overseas or want to keep working and travelling!

What are the benefits of working holiday travel insurance?

Every working traveller has different priorities, but some of the main benefits you might want to look for in a travel insurance policy for your working holiday include:

• 24 Hour Emergency Medical Assistance
• Overseas Emergency Medical and Hospital Expenses
• Emergency Evacuation and Repatriation Expenses
• Cover for Luggage and Personal Belongings
• Medical screening available for your medical conditions .

Remember that it's important to compare the different benefits and exclusions when shopping around for a travel insurance policy for your working holiday, not just the price.

Fast Cover offers several different levels of cover for you to choose from so you can cover all the things that are most important to you without blowing your travel budget:

• Standard Saver
• Comprehensive
• Snow Sports Plus

See the benefits tables below for more details about what each policy offers:

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Who should get working holiday travel insurance?

If you're a digital nomad or business traveller, working internationally is probably a regular part of your job.  Otherwise, perhaps you just want to experience living and working in a different country, or add impressive skills to your resume by getting a job, internship, or volunteering overseas.

Travellers of any age who plan to go overseas for a week, month, or up to two years can get working holiday travel insurance with Fast Cover. 

You can have cover regardless of the type of work you’ll be doing, including for office work, teaching, nursing, trades, hospitality, retail, conservation, farm work and also volunteering.

Cover is available for both the times that you’re working as well as your days off and any travel in between!

Fast Cover's working holiday travel insurance is ideal if you're:

• Working the snow season at a ski resort on the   International Experience Canada program
• Working as a camp counselor or guide at an American summer camp
• Taking advantage of the  Youth Mobility Scheme  in the United Kingdom for up to two years
• A backpacker who plans to pick up odd jobs here and there while travelling
• Working remotely on your own business while travelling
• A student taking an internship or overseas work placement opportunity
• Going on a business trip or attending a conference overseas
• Taking advantage of an ancestry visa
• A dual passport holder visiting another country
• Volunteering overseas

No matter where you're headed or what kind of work you're doing, we've made buying travel insurance for your working holiday as fast and simple as possible.

Why do I need working holiday travel insurance?

There are a few steps involved in finding the travel insurance you need for your working holiday.

We've put together a list you can follow to understand how travel insurance will assist you on your trip:

1)   Read the Consular Services Charter   before you leave

The   Consular Services Charter  explains the way in which the Australian Government can assist you while you’re overseas, as well as the areas where their assistance is limited.

They recommend you travel with comprehensive travel insurance including emergency medical and hospital cover, as medical costs overseas can be extremely high.

2)   Check whether you’re covered by your employer

If you’ve already organised employment overseas, check if your employer provides insurance and what this insurance covers. You may still require your own insurance for medical expenses, theft and damage to belongings and cancellations to travel plans.

You may also find that your employer's insurance only covers you while you're on the clock. They may not cover you if you get injured or something happens during your days off.

3)   Know what activities you might do overseas

There are so many activities you can do overseas, but some of these may not be covered by travel insurance.

For example, if you’re injured in a motorcycle accident or fall and break a bone while horse riding, you must have these activities covered by your insurance to be able to make a claim.  If they’re not covered, you’ll have to personally foot the bill for any medical costs which can be in the hundreds of thousands of dollars.

To make it fast and simple for you, Fast Cover covers a huge list of non-contact activities including bungee jumping, snorkelling,   hiking  and horse riding.

If you want to do more adventurous activities like quad biking, trekking above 3,000 metres and under 6000 metres or walking the Kokoda Trail, our   Adventure Pack  add-on will make sure that you don’t miss out.

Optional extras for travel insurance

Rental vehicle excess insurance.

If you’re planning on hiring a car or campervan so you’re more mobile while you’re overseas, you can choose Rental Vehicle Excess Insurance of $5,000 or $8,000.

This provides cover for the excess the rental company would charge you in the event of an accident or damage to the vehicle, up to the specified amount.

If you're hiring a car within Australia we've already included   Rental Vehicle Excess   up to $5,000.

Adventure Pack

We cover a huge list of non-contact sports and activities like horse riding, snorkelling, indoor rock climbing and safari.  But if you plan on more adventurous activities such as abseiling, quad biking, skydiving, or trekking above 3,000 metres, make sure you add on o ur Adventure Pack s o you’ll be ready for action!

Motorcycle Pack

Riding a moped, scooter or motorcycle is a fantastic way to see the sights on your days off. Add the optional Motorcycle Pack to your policy, make sure you comply with the licensing requirements and you're ready to go!

Increased cover for High Value Items:

If you’re going to be working overseas for a long period of time, you're probably taking more valuable items than the average backpacker or holidaymaker. These may include things like laptop computers, tablets, GoPro cameras or video recording equipment.

Our policies provide generous limits on the things that you take on your travels.

If you've got a valuable item and want to make sure you have extra cover for it, you can specify it as a High Value Item on your insurance certificate by paying an additional amount when you purchase the policy.

Specifying High Value Items on your travel insurance policy also 'locks in' their current value, so there's no depreciation applied if you need to make a claim for a lost, stolen or damaged item.

Optional cover for skiing, snowboarding and snow sports:

If you’re going to be skiing, snowboarding, or working at a ski resort, choose our  Snow Sports Plus  policy.

It has all the top benefits of our Comprehensive policy, as well as cover for emergency medical evacuation and hospital expenses if you're injured on the slopes, plus cover for your snow gear and equipment and reimbursement for piste closure due to bad weather.

There's also cover for prepaid lift passes or the unused portion of your ski package if you get sick or injured and can't continue skiing.

Travelling together on a working holiday?

If you’re travelling with a partner, spouse, friend or relative, you can save by getting a working holiday travel insurance policy together.

Travellers on a Duo policy get a 5% discount and   50% off your excess reduction compared to if you each bought separate single policies.

Why choose Fast Cover travel insurance for your next working holiday?

Fast Cover’s working holiday travel insurance is designed to cover you in many of the different situations and emergencies you might experience while working overseas.

You can travel knowing that you can have cover if  an emergency does occur, and also access to prompt and professional help from our   24 hour Emergency Assistance   team.

They’re available 24 hours a day, 7 days a week, 365 days a year, anywhere in the world.

Compare our working holiday travel insurance and you’ll find that we may be able to provide you with a competitive price for great cover.

It’s affordable travel insurance made fast and simple!

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards of 2024
• Best Credit Card Sign-Up Bonuses
• Best Instant Approval Credit Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Best Credit Cards for Bad Credit
• Best Balance Transfer Credit Cards
• Best College Student Credit Cards
• Best 0% APR Credit Cards
• Best First Credit Cards
• Best No Annual Fee Cards
• Best Travel Credit Cards
• Best Hotel Credit Cards
• Best American Express Cards
• Best Amex Delta SkyMiles Cards
• Best American Express Business Cards
• Best Capital One Cards
• Best Capital One Business Cards
• Best Chase Cards
• Best Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Amex Gold vs. Platinum
• Amex Platinum vs. Chase Sapphire Reserve
• Capital One Venture vs. Venture X
• Capital One Venture X vs. Chase Sapphire Reserve
• Capital One SavorOne vs. Quicksilver
• Chase Sapphire Preferred vs. Capital One Venture
• Chase Sapphire Preferred vs. Amex Gold
• Delta Reserve vs. Amex Platinum
• Chase Sapphire Preferred vs. Reserve
• How to Get Amex Pre-Approval
• Amex Travel Insurance Explained
• Chase Sapphire Travel Insurance Guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• Global Entry vs. TSA Precheck
• Costco Payment Methods
• All Credit Card Guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• All Insurance Guides
• Australia Travel Insurance

On This Page

• Key takeaways

Australia travel information & requirements

Do i need travel insurance to visit australia, what does travel insurance for australia cover, what isn’t covered by travel insurance for australia, how much does travel insurance for australia cost, tips for getting the best australia travel insurance, australia travel insurance faqs, related topics.

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

• To travel to Australia, you must have a valid U.S. passport , but you don’t need a visa.
• The Australian government doesn’t require American tourists to purchase travel insurance, but it’s wise to have at least medical and medical evacuation coverage since your U.S. health insurance won’t work in Australia .
• In addition to medical emergencies, travel insurance can also cover things like trip cancellations, trip interruptions and rental car damage .
• According to our research, our top picks for travel insurance for Australia come from Travel Insured, Travelex and Faye ( skip ahead to view these plans ).
• We recommend using an online comparison tool to find the best travel insurance policy to suit your needs.

Our top picks for the best australia travel insurance

• Travel Insured International: Best for Robust Coverage
• Travelex Insurance Services: Best for Basic Medical Coverage
• Faye Travel Insurance: Best for Digital Claims Process & App

Our top picks for travel insurance for Australia

Travel insured international, travelex insurance services, faye travel insurance.

Are there COVID-19 restrictions for U.S. tourists?

No. Australia has no COVID-19-related restrictions for American travelers. However, the Australian government does recommend getting the COVID-19 vaccine, wearing masks and practicing good hygiene.

Do I need a visa or passport to travel to Australia?

Yes. You need a valid U.S. passport with at least one blank page for your entry stamp.

Is it safe to visit Australia?

The United States and Australia have a strong diplomatic relationship. Although there’s always some level of risk involved in traveling to a foreign country, Australia is generally safe for Americans. The U.S. Department of State has issued a  Level 1 travel advisory , indicating that you don’t need to take any special safety precautions when visiting the “Land Down Under.”

Australia doesn’t require U.S. tourists to buy travel insurance, but we highly recommend purchasing a comprehensive policy before your trip commences.

Below are some risks you may encounter that would make purchasing travel insurance worthwhile .

Risks with adventure activities

Australia is one of the best places to visit if you love parasailing, paragliding, hot air ballooning, diving and other adventure activities. Unfortunately, these activities are risky, so there’s a chance that you’ll break a bone or sustain some other type of injury.

Travel insurance covers medical expenses and other costs associated with these injuries, ensuring you don’t end up with a huge hospital bill. This type of insurance is especially helpful if you plan to explore the Great Barrier Reef, take an excursion into the Outback or swim near the shoreline of one of Australia’s beautiful beaches.

Risks due to wildlife

Australia is full of dangerous critters, from venomous spiders and snakes to aggressive kangaroos. Depending on where you visit, you may end up encountering an unfriendly Tasmanian devil. U.S. medical insurance typically doesn’t work in Australia, so it’s important to have travel insurance for these unexpected situations. If you’re bitten by a Tasmanian devil or sustain some other wildlife-related injury, travel insurance takes the place of your regular medical insurance.

Risks due to bushfires

Bushfires  have a high heat output and can cause a significant amount of damage in a short amount of time. If you find yourself in Australia during one of these fires, you may have to contend with damage to your rental car or your personal belongings. Comprehensive travel insurance may reimburse you for damaged or destroyed items, or it may reimburse your rental car agency for the cost of repairing or replacing a damaged vehicle.

Risks related to long-distance driving

Australia has many isolated regions that are hundreds of miles from the nearest populated area. You may have to drive several hundred miles to reach your destination, so it’s important to have travel insurance before you set off on an adventure.

Travel insurance covers a wide range of circumstances, including the ones below.

Trip cancellation insurance

It’s never fun to cancel a vacation you’ve been looking forward to for months, but it’s even worse when a cancellation results in significant financial losses. Trip cancellation insurance protects you if you have to cancel your trip to Australia for a covered reason. For example, if one of your travel companions is diagnosed with advanced cancer before your departure date, you can use your insurance to recoup pre-paid, nonrefundable expenses.

If you want to have coverage for any type of circustance, you can purchase cancel for any reason (CFAR) insurance . Typically sold as an add-on, this type of coverage will reimburse you for around 50% to 70% of your total prepaid costs .

Trip delay insurance

To get to Australia, you may have to rely on the services of multiple common carriers. For example, you may have to fly to Australia and then take a ferry to your final destination. Trip delay insurance reimburses you for any expenses you incur as the result of a common carrier delay. If your flight is canceled, for example, your insurer may reimburse you for meals, additional transportation costs and other related expenses.

Trip interruption insurance

Imagine that you arrive in Australia, enjoy a few days of fun and then come down with a severe illness. You’re so sick that you have to return to the United States sooner than expected. Trip interruption insurance reimburses your pre-paid, nonrefundable expenses in this type of scenario. It should also cover the cost of adjusting your travel plans or accessing emergency assistance services.

Travel medical insurance

As noted previously, you probably won’t be able to use your U.S. health insurance in Australia . Therefore, it’s important to have travel medical insurance to cover things like nursing care, hospitalization, blood tests, CT scans and other healthcare services. If you’re injured while snorkeling or suddenly develop appendicitis during your trip, you can rest easy knowing that your medical expenses are covered.

Medical evacuation insurance

If you’re injured in the Outback, you can’t exactly hop in a cab and get to a hospital within a few minutes. Medical evacuation insurance covers the cost of transporting you to a healthcare facility that’s capable of meeting your needs. For example, if you need emergency assistance, your policy may cover the cost of air medical services (like helicopter transportation).

Insurance for personal items

We recommend that you leave your valuables at home, but if you just have to take jewelry, designer clothing or expensive sports equipment on your trip, make sure your travel insurance includes coverage for lost, stolen and damaged items. This type of coverage reimburses you if a common carrier loses or damages your luggage or its contents.

Rental car coverage

Rental car coverage can protect you under the following circumstances:

• You’re involved in an auto accident caused by someone else.
• Someone vandalizes your rental vehicle.
• Someone steals your rental vehicle.

If your policy includes this type of coverage, your insurer will reimburse the rental agency any time you experience a covered loss. For example, if you get into a fender-bender in one of Sydney’s famous traffic jams, your insurance company should reimburse the rental agency for the cost of repairs.

Travel insurance for Australia doesn’t cover the following:

• Pre-existing conditions: If you’re diagnosed with a medical condition like asthma or diabetes before you buy your travel insurance, your insurer won’t pay for medical expenses associated with that diagnosis. In some cases, however, you can opt for a plan with a waiver. This can ensure coverage for pre-existing conditions during your trip.
• Illegal activities: Travel insurance doesn’t cover expenses arising from any illegal activities, such as injuries that occur while under the influence of illicit substances.
• Fear of travel: If you book a trip and then suddenly develop a fear of flying, your insurance company won’t reimburse you for your pre-paid expenses. The same applies to a fear of seeing a spider or encountering a Tasmanian devil during your trip.
• Expected events: Travel insurance doesn’t cover expenses associated with events that you knew about (or should have known about) before a trip. For example, if you book a trip and buy insurance after a named storm has started developing, your insurer won’t reimburse you if the storm forces you to cancel or interrupt your trip.

For a trip to Australia, we found that the cost of travel insurance ranges from less than $1 per day to around $11 per day depending on the type of coverage.

To give you a better idea, we requested multiple quotes from leading travel insurance providers.

These quotes are based on the following criteria:

• Age: 35 years old
• Destination: Australia
• Trip Length: 7 days
• Trip cost: $2,000

You can see our quotes for basic travel insurance in the following table. The cheapest travel insurance plan costs just under $1 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The plans in this next table are more comprehensive. In addition to medical and medical evacuation coverage, they also include trip cancellation and trip interruption coverage. According to our quotes, these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Your costs won’t be exactly the same, as insurance companies base their premiums on these factors:

• Trip cost: Insurance companies reimburse you for up to 100% of your prepaid, nonrefundable expenses. The more your trip costs, the more your insurance provider has to pay you if you experience a covered loss. Therefore, the cost of your insurance plan depends on the cost of your trip.
• Age: Older people are more likely to develop serious medical problems while traveling, so it costs more to insure a 60-year-old or 70-year-old traveler than it does to insure someone in their 20s.
• Insurance benefits: Some travel insurance plans come with more benefits than others. For example, a plan that offers $1 million in medical evacuation coverage will cost more than a plan that comes with only $100,000 in medical evacuation coverage.
• Destination: Some destinations are riskier than others, so insurance companies charge different rates based on your itinerary.
• Add-on coverage: You may need to purchase add-on coverage, such as insurance for adventure activities. If so, you’ll pay an additional premium for the extra benefits.

To find the best travel insurance for your needs, follow these tips:

Consider how you’re getting to and around Australia.

You’ll have to take an airplane from the United States to Australia, but depending on your plans, you may also need to ride a train or take a ferry at some point. The more carriers you use, the more likely you are to experience delays and other problems, increasing the amount of coverage needed.

Think carefully about what you plan to do.

If you want to visit the Sydney Opera House and check out the Australian Museum, you won’t need as much coverage as someone who plans to camp in the Outback or go parasailing over the Gold Coast. You may also want to limit your cancellation costs by purchasing cancel-for-any-reason coverage.

Time your purchase carefully.

Although you can buy Overseas Visitors Cover when you arrive, it’s typically cheaper to purchase travel insurance well in advance of your trip.

What travel insurance do I need to travel to Australia?

You’re not required to purchase travel insurance for Australia, but we highly recommend that you do. You never know when you’re going to have an emergency or encounter some kind of problem during a trip. To find the right policy to suit your needs, try using an online comparison tool .

Does American health insurance work in Australia?

In most cases, no. Medicare and Medicaid only work in the United States, and most private health insurance companies will only cover expenses if you use U.S. medical facilities.

Can foreigners buy travel insurance in Australia?

When you travel to Australia, you have the option of buying Overseas Visitors Cover. However, not many companies provide this type of coverage. There may also be waiting periods for medical coverage. Therefore, we recommend that you buy travel insurance before you leave the United States.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Best Spain Travel Insurance: Top Plans & Cost

Best Italy Travel Insurance: Plans, Cost, & Tips

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Schengen Travel Insurance: Coverage for your Schengen Visa Application

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Tourist Information & Tips

Best UK Travel Insurance: Coverage Tips & Plans April 2024

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review April 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review April 2024

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Generali Travel Insurance Review April 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review April 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

Travel Insurance for an African Safari: Coverage Options & Costs

Nationwide Cruise Insurance Review 2024: Is It Worth It?

• Travel Insurance
• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance
• Safari Travel Insurance
• Nationwide Cruise Insurance Review

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At LA Times Compare, our mission is to help our readers reach their financial goals by making smarter choices. As such, we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information that aligns with the needs of the Los Angeles Times audience. Learn how we are compensated by our partners.

Best Travel Insurance For Australia Working Holiday Visa

By: Author Stephen Palmer

Posted on Last updated: January 14, 2024

Ah go on, give it a share!

Yes, so many of us don’t bother getting any travel insurance for our working holiday visa in Australia; sure, the flights alone are a rip-off. But I am going to break down the key points and just why you need to get travel insurance for a working holiday visa in Australia .

Don’t have time to read? These are my top 3 suggestions for travel insurance in Australia: 👌

• True Traveller –  True Traveller is a top pick for adventurers, offering flexible, comprehensive coverage tailored specifically to the needs of backpackers and working holidaymakers. I personally used this in OZ, Canada and Europe!
• Safety Wing  –  SafetyWing offers affordable, global travel medical insurance, making it a go-to choice for digital nomads and long-term travellers seeking peace of mind on their journeys.
• Go Insurance  –  Go Insurance caters excellently to non-residents, offering unique one-way and return travel insurance options, perfect for those who’ve been residents for at least three months and need reliable coverage. And get 10% off with Irish Around Oz here.

Let me break it down for you just WHY travel insurance in Australia on a working holiday visa is important.

There’s this handy reciprocal healthcare agreement that lets you get treated at public hospitals for free, which is brilliant. But don’t get it twisted; this isn’t a full replacement for travel insurance with solid medical coverage.

Keep in mind, under this agreement, you’re still responsible for paying for ambulance rides and doctor visits. And if you need to be sent back home due to serious injury, the agreement won’t cover that.

These costs can stack up really high, but the right travel insurance can take care of them for you. So, before you jet off to Oz, make sure you’ve got your travel insurance sorted. It’s a crucial step for a worry-free adventure!

What countries have a reciprocal health agreement with Australia?

So, you’re curious about the countries that have a reciprocal health agreement with Australia, right? No worries, I’ve got you covered. Australia has these agreements with a bunch of countries, and if you’re from one of these places, you can get some essential medical treatment while you’re visiting Oz. H

Here’s the list as of my last update(according to Australian gov website ):

• United Kingdom – For the Brits!
• New Zealand – The Kiwis are in!
• Ireland – Good news for us Irish!
• Sweden – For the Swedes!
• The Netherlands – Dutch travellers, you’re sorted.
• Finland – The Finns are included.
• Italy – Italian mates are covered.
• Belgium – Belgians, you’re on the list.
• Malta – Maltese visitors get some benefits.
• Slovenia – And finally, the Slovenians.

So why bother getting travel insurance for Australia? 

Well, here are just a few reasons to get travel insurance for an Australian working holiday :

Moving to Sydney? Be sure to join Irish Around Sydney

First of all, I am by no means trying to scare you into getting travel insurance. This is not my intention; I am only trying to make it clearer just why you need travel insurance on a working holiday visa .

• Medical Emergencies: Covers unexpected illness or injury. Aussie healthcare ain’t cheap for non-residents!
• Lost or Stolen Gear: Replace your essentials if your stuff gets nicked or goes walkabout.
• Trip Cancellations: Get your money back if plans change unexpectedly.
• Work-Related Injuries: Some policies cover accidents at your job, which is handy since you’re on a working holiday.
• Personal Liability: If you accidentally cause damage or injury to others, you’re covered.
• Adventure Activities: Planning to surf or trek? Insurance can cover these extra risks.
• Peace of Mind: Just knowing you’re covered can make your adventure down under less stressful.

So what travel insurance should I get? 😷👨‍⚕️

I explain what to look for in each travel insurance, but I have used, and others recommend the following:

Great question! When it comes to choosing insurance for a working holiday, especially something like True Traveller , there are a few things to consider. I can’t give you a straight-up “yes” or “no” – it’s more about what suits your needs best.

Here’s what to think about for your :

• Coverage Details: Make sure the policy covers what you need for your working holiday. Things like medical expenses, work-related incidents, and travel disruptions are key.
• Reputation: Look at reviews and feedback from other travellers. A good reputation in customer service and claims handling is golden.
• Price vs. Coverage: It’s about finding the right balance. Cheaper isn’t always better if it skimps on important coverage. I have seen some policies for as low as €120 for 12 months, but they are lacking a LOT of things.
• Exclusions and Limits: Know what’s not covered and how much you can claim. You don’t want nasty surprises.
• Personal Needs: Consider your specific plans in Australia – like if you’re going surfing, bushwalking, or working in certain jobs.

True Traveller has been popular among backpackers and working holiday folks(including me) for its flexibility and options tailored to travellers. But whether it’s the best for you depends on your personal circumstances and travel plans.

Do your homework, compare a few options, and pick what feels right. Insurance is a crucial part of your working holiday prep, so take the time to get it sorted properly. Safe travels!

Extra tip – if you are sending money from Ireland to Australia or the other way around, read this post.

Important things to know about the Reciprocal Health Agreement (RHA):

When it comes to the reciprocal health agreement (RHA) in Australia, there are a few key things you should keep in mind:

• Eligibility: The RHA is only for citizens of certain countries, like the UK, Ireland, New Zealand, and some others. Make sure your home country is part of the agreement.
• Coverage Limitations: It mainly covers essential medical treatments in public hospitals. It doesn’t include things like ambulance services, dental care, or private hospital stays.
• Enrollment: You might need to enrol in Medicare, Australia’s public healthcare system, to access these benefits.
• Duration: The agreement covers you only for the duration of your approved stay in Australia. If you extend your stay, make sure you’re still covered.
• Not a Replacement for Travel Insurance: The RHA isn’t comprehensive travel insurance. It doesn’t cover things like repatriation, ongoing treatments, or non-urgent medical care.
• Prescriptions and Medicine: While some prescription costs might be covered, it’s not comprehensive, so expect to pay something out-of-pocket.
• Visiting a GP: You can see a General Practitioner (GP) under the agreement, but there might be a fee, as not all GPs bulk bill.

You can read all the t’s and c’s on the Australian Gov website here.

Important: If you’re here on a student visa from Ireland, you’re not eligible for Medicare!

The above links will direct you to each page, and you can see if your country requires you to enrol in Medicare or not.

So, who should I choose for my travel insurance in Australia? 

I hope by now you realise that travel insurance is a must. The costs of getting travel insurance premiums for Australia have come way down over the past few years.

Before we get into that:

A word of warning for Irish people purchasing their travel insurance for Australia in Ireland

Yes, you can find cheap insurance for a year for €100 – €200, but ask yourself if they will really give you good enough coverage at that price. Originally, when I moved to Australia in 2013(yes, a lonnng time ago!), I went with 2-year worldwide travel insurance with Blue Insurance.

Happy out I was! Send me off to Oz, who cares about the terms and conditions. I only discovered recently that they only cover you as long as you don’t make more than two trips home and no longer than 21 days. Let me just let that sink in for a moment. Over two years, you cannot go back to Ireland for more than 21 days or two times!

To be honest, I was pretty mad when I heard that. Nobody told me when I was getting my quote, and thankfully, I didn’t need to make a claim. How will they know? Well, technically, you could come home for longer, and no one would know, but if something happened and you had to make a claim, things might not turn out so well for you.

Now, perhaps you used a company like USIT that offers packages including “12-month travel insurance for Australia”. What they often forget to mention is it only allows you to make a maximum of 3 trips home a year with a trip no longer than 20 days. This means that if you have to come home for 21 days, your entire premium becomes void and no longer active.

You don’t know what might happen over the 12 months in Australia, but you don’t want this hanging over your head.

The packages are great and probably the cheapest premiums you will find, but that is the reason for this.

If you break any of these terms, then your entire policy is void and cancelled! 

Again, I do apologise for all the exclamation marks. This is really important, and I think they do a terrible job of telling people. 

This is why I suggest True Traveller . As you will see below, they offer unlimited trips home for as long as you want!

Now, you might be saying, “Sure, I am never going back”, but keep in mind things happen over one or two years. One of my best friends passed away, and I had to fly home for the funeral. You don’t know what might happen.

Below are the companies I have used personally over the years:

Your own country travel insurance for Australia – Blue Insurance, USIT, VHI or any familiar names from your own country. Please give them a call and ask what their policy is for returning back home. If it is limited, I would not bother. And remember, cheaper is not always better when it comes to travel insurance! 

The bottom line on travel insurance for Australia 😎🍻

I can go into all the details about which is the best travel insurance for Australia, but really, the best will be the one that fits your needs. It is well worth paying that extra bit for good cover. If you are planning on doing some travelling over one or two years, get worldwide cover.

Why is Travel Insurance Essential in Australia?

• Australia’s reciprocal healthcare agreements offer limited coverage, so it’s not a stand-in for comprehensive travel insurance.
• You’re responsible for costs like ambulance services and doctor visits.
• Travel insurance covers a range of situations, from medical emergencies to trip cancellations and work-related injuries, giving you peace of mind.

Important Points on the Reciprocal Health Agreement (RHA):

• It’s for citizens of specific countries, so check your eligibility.
• It covers basic medical treatments in public hospitals but not ambulance services, dental care, or private hospital stays.
• You might need to enrol in Medicare.
• The RHA is valid only during your approved stay in Australia.
• It’s not comprehensive travel insurance.

Word of Caution:

• If you’re purchasing insurance in Ireland, be wary of cheap policies with limited coverage, especially regarding trips back home.
• True Traveller is recommended for its unlimited trips home policy and flexibility.

Remember: Always read the terms and conditions carefully, and choose a policy that best suits your needs and travel plans. Safe travels!

Policies will change from time to time , so make sure not to take my word for it and double-check everything. This is just based on my own research and experiences.

Thanks for reading, and if you are in the process of researching your trip to Australia, be sure to read my tips for a working holiday visa here or 60 things you need to know before moving to Oz.

Lastly, here are some resources you might need for moving to Australia: 

• Currencyfair – My recommended money transfer company. I use them all the time! Get your first ten transfers for FREE (normally €3) with this link
• OFX (Previously OzForex) – A more personal touch with a dedicated broker. Great for larger transfers over €3000($5000) . They have been around for years! We have an exclusive deal, and you can get  free transfers over $1000 for life(yes, for life!) with this link.
• Wise   – Used by so many people, it’s great! Save 80 – 90% on bank charges with Wise. A handy debit card that you can set up and even use as your main bank account. Get your first free transfer here.
• Doing another working holiday visa in Canada? Don’t forget travel insurance in Canada, too. 
• Sunset Travellers post on travel insurance
• The cheapest way to send money from Australia to Ireland

Thanks for reading, and I hope that you found some travel insurance for Australia on your working holiday visa.

• Commercial Motor Vehicle
• Roadside Assistance
• Public Liability
• General Property
• Management Liability
• Small business
• Tradies and contractors
• Retailers insurance
• Professional service providers
• Health and beauty professionals
• Real estate
• Cafés and restaurants
• NSW stamp duty exemption
• ACT | NT | TAS | WA claims
• NSW forms and resources
• VIC forms and resources
• ACT | NT | TAS | WA forms and resources
• Workplace mental health
• Training & webinars
• Compare Travel Insurance
• Caravan and Trailer
• Cyclone support
• Flood support
• Storm support
• Bushfire support
• Customer counselling program
• Financial hardship
• Scam warning
• Family violence support
• Deceased estates
• Financial institutions
• Insurance brokers
• Partner News Hub
• The Allianz Hub
• Login to My Allianz
• Make a payment
• Retrieve a quote
• Retrieve life application

• Travel Insurance
• Choose your plan

What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas medical assistance and expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

Website review and travel remediation

Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
• Car Insurance
• CTP Insurance
• Home & Contents Insurance
• Building Insurance
• Landlord Insurance
• Life Insurance
• Caravan Insurance
• Boat Insurance
• Small Business Insurance
• Business Insurance Pack
• Workers' Compensation
• Renewals / Payments
• Manage Your Policy
• Policy Documents
• Customer Support
• How we help
• Sustainability
• Partnerships
• Work with us

Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

• Meet the Team
• Work with Us
• Czech Republic
• Netherlands
• Switzerland
• Scandinavia
• Philippines
• South Korea
• New Zealand
• South Africa
• Budget Travel
• Work & Travel
• The Broke Backpacker Manifesto
• Travel Resources
• How to Travel on $10/day

Home » Oceania » Everything You Need to Know about Working Holidays in Australia | 2024

Everything You Need to Know about Working Holidays in Australia | 2024

Whenever you hear working holiday, you are sure to think of Australia. Everyone knows someone or knows someone who knows someone, who traded in their everyday life for better weather in the land down under!

Australia is famed for its incredible landscapes, awesome wildlife, and epic road trips. The party scene is pretty fun too! It is the ultimate place to experience life like never before, make loads of new friends from all over the globe, and learn about who you are.

You could find yourself road tripping the famous Great Ocean Road, dancing the night away on Bondi Beach, or learning to scuba dive on the Great Barrier Reef.

If you wanna do all this and more, keep reading to learn how to turn your short holiday into a  working holiday in Australia .

Do You Want to Travel FOREVER??

Pop your email in below to get a FREE copy of ‘How to Travel the World on $10 a Day!’.

Taking a Working Holiday in Australia

Top 5 tips for a working holiday in australia, australia working holiday visas , insurance for a working holiday in australia , working holiday in australia budget, earning money on a working holiday visa, pre-planned working holiday jobs with global work and travel, diy working holiday in australia, final thoughts .

If you’re aged between 18 and 30 (35 for some countries) and a citizen of an eligible country, then an Australian working holiday is within your reach! Don’t limit yourself to thinking only students and people taking a gap year in Australia can enjoy the spoils of the country, oh no, if you’re tired of your old 9-5 job back home or just want to change things up, this could be just what the doctor ordered. 

A working holiday is perfect for people who are seeking a long-term vacation, but might not necessarily have the funds to make it happen. You’ll be earning money from your cool new travel job , BUT, you’ll get to spend your days off surfing, skydiving, lounging on the beach, and more! The thought of working while you are on vacation might not seem so appealing, but trust me when I say that if your vacation lasts up to a year or more… who cares?? A trip to Fraser Island for the weekend with your buddies is well worth working a few hours! 

What kind of work am I talking about? Well, opportunities for travelers are in abundance in Australia. You could find yourself doing everything from working behind a bar, working in a ski resort (yes, you read that right!), or working as an au pair. The possibilities are ENDLESS! There are even internships for those of you who wanna bump up your CV for college or just in general, because why not?

Since there are so many work and volunteering options, it might get a bit overwhelming to choose what to do. But don’t worry, we’ve got your back! Check out these two options…

Go with Worldpackers

Worldpackers is an online company that connects travelers with foreign volunteer hosts who then work in exchange for housing . That being said, Worldpackers does do more than just connect volunteers to hosts. It offers a plethora of additional resources, a great support network, a blogging platform for collaboration, and a whole lot more.

Sounds pretty rad, right? But wait, there’s more!

According to their mission statement, Worldpackers is “ a community based on collaboration and honest relationships that make travel more accessible to those seeking a profound cultural experience. ” They value  environmentalism ,  authenticity ,  growth  and  working together  above all else and make a great effort to provide the best experience possible.

And even better – Broke Backpacker readers get a special discount of $10 ! When you use our special hookup, it makes even more sense to pay. Just use this Worldpackers discount code BROKEBACKPACKER and membership is discounted from $49 a year to $39.

Worldpackers: connecting travellers with  meaningful travel experiences.

Go with Global Work and Travel

Moving abroad might seem like a big step, but the great news is that agencies exist to streamline the whole process and help you find a job you love. We are all for Global Work and Travel (more on them later), as they are trustworthy, offer a load of assistance when it comes to organizing an Australian working holiday, and will make sure you have the best time possible. 

It’s got a bit of a different approach than Worldpackers, but it offers JUST as many amazing opportunities for travellers.

It provides working holidays, teaching abroad, volunteering, au pair and student internship packages . On top of that, the agency plans, sorts and assists with visa requirements, connections to local businesses, accommodation search and job interviews.

Most products even come with flights and basic medical insurance, a 24/7 Emergency line and payment plans.

Okay, you’re seriously considering uprooting your life and moving to Australia for a while. But what else is there to know? 

It’s not all work and play, there are some admin-type/general things you’ll need to think about before heading out to make sure you have the best time ever. Here are my five easy tips to remember when it comes to working holiday jobs in Australia:

• Getting the correct visa. If you are a citizen of an eligible country and aged between 18-30 (35 for French, Canadian, and Irish citizens), then getting an Australian working holiday visa (WHV) is a brilliant option for those wishing to travel around Australia long-term. You can either apply for a subclass 462 or subclass 417 visa. This may seem complicated, but which subclass you apply for just depends on what country you are from.
• Knowing the duration of your stay. Roughly knowing how long you want to stay is a good idea from a planning perspective. If you only want to stay a couple of months, then maybe a tourist visa is better for you? Additionally, if you plan on extending your WHV for a second or even third year (more on this later), then make sure you don’t have any commitments at home waiting for you. 
• Finding accommodation. As a backpacker’s paradise and extremely popular with travelers, there are plenty of options when it comes to where to stay in Australia . If you find yourself working somewhere remote like a farm or pub in the outback, you might get free or steeply discounted accommodation somewhere nearby. In larger cities, you could try house sitting or consider finding some flatmates through online sites to keep costs low and make awesome friends! 
• Finding the right job. The beauty of having an Australian working holiday visa is if you don’t get it right on the first (or even second or third) try, you can always move on and find something new. That being said, it’s always nice to pick something you’d actually LIKE to do, so take your time in choosing and don’t settle for anything that will make your trip miserable. 
• Exploring during your days off. Australia is over 7 million square kilometers – that’s a whole lotta land to explore! The best way to get around will really depend on you. If you’re in a bit of a squeeze time-wise, then flying around the country is the fastest (albeit most expensive) way to get around. For slow travel , taking the public bus is a great and cheap way to see the country, especially on the east coast. By far the best option, in my opinion, is to get a couple of friends together and either rent or buy a car/campervan. Gumtree is a great place to look for used vehicles and you’ll often find that they’re being sold by other travelers who have done the same as you!

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

As I mentioned earlier, eligibility and even the subclass of your visa will depend on your citizenship. Australia has a working holiday agreement with numerous countries, which I’ll get into in just a mo, but it’s always good to double-check for yourself on the Australian Government Department of Home Affairs website before your trip to get up-to-date information. 

Under subclass 417, citizens from Belgium, Canada, Republic of Cyprus, Denmark, Estonia, Finland, France, Germany, Hong Kong, Republic of Ireland, Italy, Japan, South Korea, Malta, Netherlands, Norway, Sweden, Taiwan, and the United Kingdom are eligible.

For subclass 462 visas you must be from Argentina, Austria, Chile, China, Czech Republic, Hungary, Indonesia, Israel, Luxembourg, Malaysia, Peru, Poland, Portugal, San Marino, Singapore, Slovak Republic, Slovenia, Spain, Thailand, Turkey, USA, Uruguay, or Vietnam to apply.

Other conditions include being aged between 18-30 (35 for French, Canadian, and Irish citizens), having no dependents, and either having enough money to support yourself (around $5,000 AUD), and a booked departure flight OR proof of enough funds to purchase one. Anyone entering the country will also have to show proof of a COVID-19 vaccination or medical exemption certificate. You cannot apply if you have previously entered the country using this visa before (through either subclass 417 or 462).

The fee for an Australian working holiday visa is $495 AUD, and having one allows you to work and live in the country for up to 12 months. However, there is a possibility to extend for up to two more years! To do this, you’ll have to apply for an extension for your second year after having completed three months of specified work . The same applies again to a third-year extension. This is a great way to remain in Australia long-term but bear in mind that some of the specified work is particularly gruelling and the hot weather can make it uncomfortable. Make sure you are physically up to the challenge, and if you’re not, it’s not the end of the world! 

The first step in applying for your visa is to set up an account with the Australian Government Department of Home Affairs. Once you’ve done that, simply fill out the application online. You will need to pass a health care pass (usually a chest X-ray and medical exam) and a character assessment. They may also ask you to undertake/provide a background check. 

This all sounds pretty simple, but some of us simply don’t have the time. If that’s the case, consider enlisting the help of Visa First . They can help with all the details while you do the fun part of planning your trip and all the awesome things you wanna do!

Or, if you are wanting to sign up for an all-in programme, Global Work and Travel will handle all the hard bits for you.

Here at The Broke Backpacker, we always recommend that you get some good quality, reliable insurance. This makes sure you don’t get yourself in a sticky situation should anything go wrong. We are BIG fans of WorldNomads and just LOVE their easy-to-navigate website, their 24/7 emergency assistance, and the range of activities covered by their policies! Scuba diving? Check. Surfing? Check. Sky-diving? Check. It covers just about EVERYTHING that a traveler needs.

ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

They offer month-to-month payments, no lock-in contracts, and require absolutely no itineraries: that’s the exact kind of insurance long-term travellers and digital nomads need.

SafetyWing is cheap, easy, and admin-free: just sign up lickety-split so you can get back to it!

Click the button below to learn more about SafetyWing’s setup or read our insider review for the full tasty scoop.

Right, time to get down to business. How much money do you really need for a working holiday in Australia? As you read earlier you’ll need $5,000 AUD, and a round trip ticket or enough money for a departure ticket to apply for a visa. This sounds like a load of cash, but Australia can be expensive, and depending on what you want to do, you could find yourself eating into that pretty quick. 

If you choose to live somewhere more urban, like eating out, and love going for trips away, then your holiday is going to be more costly. For example, rent in a shared house, transport, food, and activities in Sydney could cost you around $1,500 AUD a month (on a budget) but on the Sunshine Coast in Queensland, you’ll be paying closer to $1,000 AUD. If you prefer to live alone, expect your cost of living to be much higher. 

In far-out rural areas, expect the cost of rent to be way lower. If you’re working in the middle of nowhere, often your employer will give you free accommodation, or you can stay at a nearby hostel for a really good price.

One of the great things about Australia is that while it can be a little expensive, especially compared to countries in SE Asia for example, the minimum wage is high! Even when working in a cafe or restaurant, you can still make enough money to live a good life and explore the country!

With an Australian working holiday visa, you can do all kinds of work – be it part-time, full-time, or even casually! Some of the most popular types of jobs for holders of a WHV in restaurants, bars, and hotels, in retail and sales, and as seasonal farmworkers (for those trying to obtain their second or third-year visas). There are limitations as to what kind of work you can do, but if you’re using a second or third-year WHV, you can do any type of work! One thing to note is that you are only permitted to keep a work contract for up to six months with the same company or business. 

Since you’ll be living and working in Australia, you’ll have to do some adulting and sort out your finances. Unfortunately, it isn’t as easy as turning up, finding a job, and making some sweet cash. You will need to apply for a tax number, which will be required by your employer. You can apply online with the Australian Tax Office . The taxation rate for travelers is a flat rate of 15% on earnings of up to $45,000 AUD. Your employer will automatically deduct this from your paycheck. 

The employer will also pay 9.5% of your pre-tax income into a superannuation scheme A.K.A “super” as part of a retirement savings scheme. The good news is if you leave Australia and plan to never go back, you can access the money via Departing Australia Superannuation Payment (DASP). However, you should note that the tax on the DASP scheme is 65%. You will need your visa details and tax number to be able to apply. 

Once you arrive, you are going to need a local bank account. Some banks give you the option to do it online before you arrive, otherwise, go to the bank of your choice and set up an appointment. ANZ bank is a top choice if you plan to move on to New Zealand, as it is also available there. We recommend using an international money transfer service like Wise or Payoneer to get the best rates!

If you’re not one to DIY things, or you’d rather let someone else take the reins so you can relax a little, agencies like Global Work and Travel are the way to go. They not only help you with finding a job, they also offer visa assistance, help you with a bank account, and much more! 

The kinds of things you could end up doing on a working holiday in Australia are working in sales, working in the tourism industry, working as an au pair for a local family, getting a kick-ass internship, the list goes on, and on and on. 

Au Pair in Australia

Not sure what exactly an au pair does? Don’t worry, you’re not alone! They are basically live-in nannies who look after the children, help with the household chores, and can occasionally do some cooking. Being an au pair is a number one choice for anyone who absolutely adores kids, has a lot of patience and would enjoy living with a local family. You will get room and board (YAY free meals), plus a salary of between $200-250 AUD for working a 30 hour week. 

One tough aspect of au pairing is that you may get really attached to the family and struggle saying goodbye. But, this doesn’t stop it from being one of the most rewarding working holiday jobs in Australia. You will be pushing yourself out of your comfort zone, and will probably learn a load of new skills. Since you’ll be spending a big chunk of your time with your host family, finding people you mesh well with is really important. Not only this, but make sure you’re happy with other aspects of the job, like where you will be located, the age of the children, and what you’ll be expected to do around the house. 

Au pair work is easy to find, either online before you get there using job boards, or even on the ground through online ads or backpacker noticeboards. If you’re not too keen on doing the scouting yourself and/or are worried about the whole process, using an agency like Global Work and Travel is a fantastic way to secure an au pair job in Australia, with some extra security, to put your mind at ease. They will match you up with the perfect family before you arrive, exchange profiles and even host video calls to make sure it’s a good fit. If it doesn’t work out for some reason, GWaT will be there to assist you. 

The GWaT au pair package includes finding you a host family, setting up a pre-family agreement, and even access to an online au pair course so you know roughly what to do on your first day. Their au pairs are expected to work for 25-35 hours a week, earning between $200 – $350 AUD per week. You’ll usually be given two days off a week to explore and meet up with friends. Another awesome thing about this working holiday programme is that they organize meet and greets with other au pairs in the area so you can make friends and share your experiences (LOVE it). 

Their locations are in Sydney, Melbourne, and Brisbane. All great locations to base yourself for an amazing Australian adventure. You’ll need to be between 18-35 years old, be a citizen of an eligible country, and have had no criminal convictions in the last five years to apply. Contracts are 6 and 12 months long.  

Interning in Australia

An internship is a 10/10 way to spice up your CV, college application, or just to gain some experience in your chosen industry. Sadly, the world of internships is fiercely competitive, since they are often essential in landing jobs after graduation in most fields (1-3 years of experience for an entry- level job??? Madness). What does this mean for you? It means sending your CV out anywhere and everywhere, and acknowledging that you are competing with locals for these positions so you may not have the best of luck. 

That doesn’t mean it’s impossible though! A good place to look is on career websites, or you could even take a more direct approach and go straight to companies that interest you with your CV. This takes a lot of work, and you may not even be guaranteed to find anything.

A great sure-fire way to secure an internship is to go through an agency or internship operator. Global Work and Travel is one such agency (can you tell that we dig them?) that offers a TOP working holiday internship!

They will assist you in finding a structured internship with one of their many, reputable partner organizations. There are so many fields to choose from, even if you think what you wanna do is so obscure that they couldn’t possibly help you, you should still check them out! From volcanology, forensic science, even game development… these guys can hook you UP.

You’ll be given a dedicated trip coordinator to help answer any queries you may have, assist you with perfecting your CV, give you visa guidance, and more. If the deal wasn’t already sweet enough, you’ll get a four night stay in a hostel anywhere in Australia , on them, so you can check out some of the sights. Following the WHV internship rules, placements are between 3 and 6 months long.  

Work in Australia

Maybe internships or being an au pair isn’t your thing. You actually want to WORK in Australia. This is the most popular way to spend your Australian working holiday (aside from traveling of course!). It is the perfect situation for anyone to be in, you’re somewhere new and exciting, and you’ve got a way to keep the $$$ rolling in. It’s ideal.

Since there is such a huge backpacker culture in Australia, finding an entry to a mid-level job is super easy. Looking for something once you’re on the ground is what most people do, and since you normally* can’t work for the same employer for more than 6 months, you could find yourself job hunting mid-way through your trip. It’s honestly great because you can move to a totally new destination if you’ve grown tired of where you were. Or stick around and try your hand at something completely new! (* The 6 month rule has been relaxed until 31 December 2022 ).

The idea of having to work while you’re on vacation may not be appealing to some, but as I said earlier, it is great for long-term travelers because you can stick around for way longer. Try not to get too caught up with the whole working aspect of things as you will have loads of time during your days off to explore. You could even take a whole month off in between jobs to road trip across Australia if you wanted! 

If you want to have a job secured before you arrive (for peace of mind) then we highly suggest looking at a working holiday programme. I’m going to name-drop one last time (don’t hate me) but Global Work and Travel has a SICK “work in Australia” package. These guys really are top-notch and will have you covered with guaranteed interviews with their partner organizations that pay at least $18.93 AUD/hour. What’s more, when it’s time to move on to another job, you can just tap into their database of partners and score interviews with them too! 

You’ll have a dedicated trip coordinator who will guide you through the whole process and a personal travel concierge to plan your flights, insurance, and add-ons. When you arrive you’ll have a private driver waiting to pick you up plus four nights covered at a top-rated hostel on the Gold Coast, before you move closer to your job.

There’s a tonne of other bonuses too, like passes to a local Australian wildlife sanctuary on the Gold Coast, a day trip to either Byron Bay or the Gold Coast’s spectacular rainforests, even a Great Barrier Reef weekend getaway. You’d be mad not to take them up on this offer!

I’ve already mentioned how easy it is to DIY your Australian working holiday (I know countless people who’ve done it). It is ideal for you adventurous folks out there who don’t mind rocking up to a place with no plan, just a whole lot of flexibility. 

You will be in charge of sorting out your own visa, flights, and bank account, plus make sure you have enough savings in the bank in case you don’t find the right job in the beginning. It’s also a good idea to read up a little on the tax situation so you know roughly how everything works over there.

Due to the huge Australian backpacker culture, you’ll be able to find a job pretty much anywhere there are jobs to be had! You could try to land a job before you arrive by looking online or asking any friends who are already out there if they know of any vacancies. 

For on-the-ground job seeking, there’s a tonne of sites with listings, but even by going door to door to bars, cafes, restaurants, etc. could score you a job. The majority of jobs you’ll find will be minimum wage, but whether you’re a cashier, a barista, or housekeeping in a resort, you’ll earn more than enough to get you by. 

For a different kind of experience, you could look into places that exchange accommodation and possibly meals for your help. If this sounds like a good deal, check out WWOOF, Worldpacker , and Workaway , for some next-level opportunities helping out on organic farms, hostels, and around people’s homes. 

I cannot recommend an Australian working holiday enough. Not only do I know so many people who’ve literally had the time of their lives (kinda jealous tbh), but it’s just the most amazing opportunity to live and work in a different country. You will find yourself in situations that will challenge you, help you to grow, and change you, all while making some lifelong friends and incredible memories. 

Become a certified Aussie, working and living with locals, munching down meat pies and Vegemite like it’s nobody’s business. What’s more, you can use this chance to really SEE Australia. I’m talking about the Great Barrier Reef, Daintree Rainforest, Whitsunday Islands, and much more… you’ll have so much time to see and do it all. 

I am positive that whatever you choose, whether it’s DIY-ing your working holiday like a boss or seeking out the help of a trusted agency, this year (or two, or three) will be something that you’ll remember for a long time to come!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Alexandria Zboyovski

Share or save this post

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Notify me of followup comments via e-mail.

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance for a Trip to Australia (2024)

Travel insurance is affordable and can reduce sunken costs if you can’t make it to Australia as expected.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

Whether you experience a travel delay or a medical emergency, travel insurance for Australian vacations provides valuable protection for expensive trip costs. Depending on the level of coverage you choose, reimbursements recoup losses for trip cancellation, lost baggage, unexpected medical treatment and more.

Below, we at the MarketWatch Guides Team discuss the benefits, costs and requirements of international travel insurance for Australia.

Compare Top Travel Insurance Companies for Australia

Use the table below to compare COVID-19 coverages, CFAR protection and pricing for travel insurance companies that will cover a trip to Australia.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Australia?

It’s not mandatory to purchase travel insurance as a condition of entry to Australia or neighboring New Zealand in the Australasia region. However, the Australian government strongly recommends visitors have travel insurance to cover unexpected medical costs.

While public Medicare and domestic travel insurance cover residents, visitors to Australia are treated as private patients. Therefore, you’re generally required to pay hospital expenses and other medical bills at the time of treatment. Furthermore, comprehensive travel insurance with trip cancellation protects against sudden cancellation costs.

Australia is renowned for exciting adventure activities, including boating, hiking and winter sports. Medical coverage ensures you’ll have peace of mind in the event of an injury. The following are some of the most common policies to help you buy travel insurance to suit you.

Types of Travel Insurance for Australia

Travel insurance plans differ in their coverage options. For comprehensive coverage, be sure to opt for a plan with trip cancellation and interruption coverage, baggage loss and baggage delay, emergency evacuation coverage, cancel for any reason insurance and medical coverage.

Cancel for Any Reason Coverage

Cancel for any reason coverage , or CFAR, is sold as an additional premium that reimburses nonrefundable trip costs without limits on why you need to cancel. With standard insurance products, cancellation policies generally reimburse you for a limited and predetermined number of reasons, including hospitalization or the death of a family member.

This type of coverage is useful during situations such as the coronavirus pandemic with changing circumstances and in the absence of COVID-19 coverage. Whether your reason is due to a country’s travel advice changing or simply a change of personal plans, you can claim for prepaid costs and enjoy the flexibility.

CFAR is subject to rules that vary via insurance providers. They can include time limits, such as a requirement to cancel within 48 hours of departure.

Gear Theft Protection

Whether you’re traveling to Sydney or exploring the Outback, gear theft protection is useful on every overseas trip as insurance for your personal effects. For a trip to Australia, you might wish to bring the following:

• Professional camera plus equipment
• Sports equipment, including surfboards and snowboards

Travel insurance plans help you recover the costs of items that are stolen, damaged or lost via airlines or tour operators. As general advice, your policy covers up to predetermined cost limits, and exclusions may apply.

Be aware that the sub-limits might not cover the full value of items. Check the product disclosure statement (PDS) to ensure gear theft protection is sufficient; otherwise, leave valuable items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

Excellent medical treatment is available in Australia, and there are no major health hazards of concern, according to the Centers for Disease Control (CDC) . However, in the case of medical expenses, emergency assistance or any pre-existing medical conditions you may have, health insurance is important to recover significant up-front costs.

In the case of an overseas emergency, travel insurance for medical emergencies covers a range of expenses including:

• Dental emergencies
• Hospital fees
• Lab tests and X-rays
• Operating room charges and anesthesia

Depending on the insurance company, policies also cover expenses if you require medical assistance for injuries via sports and adventure activities. Most cover emergency medical evacuation to a major hospital or your home country.

Rental Car Protection

In Australia, a loss damage waiver and third-party insurance for personal liability are mandatory and therefore, included in the contract for any rental vehicle. Premium car insurance, through an authorized representative for rental cars, further limits your liabilities while driving.

Depending on the type of car insurance and the coverage you choose, premium plans may include the following safeguards:

• Collision damage waiver and theft protection
• Personal effects coverage
• Roadside protection
• Tire and windshield protection

As a separate protection and on top of local car insurance, a standard travel insurance policy generally includes rental vehicle excess cover. This helps to recoup the losses you’re liable for regarding extra costs for damaged or stolen vehicles.

Trip Cancellation Insurance

Standard Australian travel insurance cover generally provides reimbursement for financial loss due to cancellation up to a limit. If you cancel your vacation before departure, nonrefundable and prepaid expenses are covered. However, trip cancellation insurance is subject to binding rules limiting valid reasons. For flexibility, it’s a good idea to choose CFAR.

One of the most common questions regarding cancellation coverage is how you qualify for it. As general advice, the acceptable reasons include:

• Death of a family member
• Hospitalization, illness or serious injury
• Military orders
• Severe weather conditions, excluding some natural disasters

How Much Does Australia Travel Insurance Cost?

From an annual multi-trip policy to a single trip, a travel insurance quote depends on your personal preferences, age and the destination. International travel insurance providers often use target market determination to design insurance products to suit your demographic.

To get a travel insurance quote, you’ll enter the following on provider sites:

• Age and number of travelers in your group
• Destination country and location
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Australia. The below quotes are for a 30-year-old traveler from Florida, traveling to Australia for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

The quotes listed were collected from each company’s website in May 2023. The most affordable policy plans for international travel insurance to Australia include coverage for trip cancellation, trip interruption , medical expenses for emergencies, baggage loss or delay and emergency evacuation.

How Do I Get Travel Insurance for Australia?

The first step for getting travel insurance for Australia is to check your credit cards and current health insurance. You might already have travel insurance coverage for an Australian vacation. Most airlines offer comprehensive travel insurance upon booking your flights.

To find the best quote and buy travel insurance, shop around to compare prices. The level of coverage you need depends on your personal preferences.

Australia Safety Tips

Below are safety and travel tips to help you enjoy your trip to Australia with peace of mind.

Crime and Safety

The Australian Travel Advisory from the U.S Department of State is at Level 1: Exercise Normal Precautions. For international travel alerts and onward travel, Australia’s Smartraveller site provides information.

In general, U.S. citizens aren’t specifically targeted for crime in Australia. However, it pays to be aware of your surroundings in large cities. Robberies and auto theft are common in some areas, along with pickpockets at crowded tourist destinations.

Day Trips, Tours and Excursions

From diving on the Great Barrier Reef to hiking through the remote Outback, day trips and excursions in Australia are the best way to see the sights. If you’re participating in extreme sports, it’s wise to check with insurance providers with regard to specific insurance coverage.

To ensure tour companies are reputable, use trusted organizations. You’ll find information on Australia’s official tourism site , along with sites in each state you visit.

According to the Australian government , all entry restrictions and rules pertaining to COVID-19 are removed. Most public health measures are also removed across the country. Check with local authorities in the event of changes.

Is Travel Insurance for a Trip to Australia Worth It?

You’re not legally obligated to buy travel insurance for a vacation in Australia. However, the benefits of doing so ensure you’re covered for the possibility of financial loss if you need to cancel your trip or you experience delays.

When deciding if travel insurance is worth it , the main factor for a trip to Australia are the medical costs you might incur in the event of an emergency health issue or injury. We recommend you get quotes from a few different providers to find the best deal for your trip.

Frequently Asked Questions About Travel Insurance in Australia

Can i claim flight compensation.

Travel insurance is the best protection against canceled flights, and it might be the only way you can claim flight compensation . For the most part, U.S. airlines only compensate via refunds if cancellations are a direct result of overbooking or airline fault.

Do you need travel insurance to go to Australia?

Travel insurance isn’t mandatory for entry into or travel around Australia. Due to expensive upfront medical costs, most travelers choose to buy travel insurance to cover medical expenses in the event of illness or injury.

Do all credit cards have travel insurance?

Not all credit cards offer travel insurance. Credit cards that feature travel rewards often include travel insurance with the benefits. Check the coverage to ensure it’s suitable for your personal needs.

Do tourists get free health care in Australia?

Visitors to Australia don’t receive free health care and are treated as private patients. If you’re admitted to a hospital or need treatment for an injury, costs are usually required upfront. As this may be expensive, travel insurance to cover unexpected medical expenses is recommended.

If you have questions about this page, please reach out to our editors at [email protected] .

• Free eBook guide
• Before coming to Australia
• Budget for your Working Holiday
• The Working Holiday Visa
• Which city to arrive
• Packing Guide
• Backpacker Travel Insurance
• Cheap flights to Australia
• What to do on arrival
• Open an bank account
• How to transfer money
• CurrencyFair 5 free transfers
• WISE money transfers
• How to migrate to Australia

Tourist Visa

Working holiday visa, student visa.

• TSS Visa Sponsorship
• Partner Visa
• Travel insurance options
• Australian healthcare system
• Working Holiday Insurance

Backpacker travel insurance

• Short term travel insurance
• International student insurance
• Travel insurance companies
• Go Walkabout promo code
• Living in Australia
• Accommodation guide
• Phone Plans in Australia
• Driving in Australia
• Cost of living in Australia
• Climate and Seasons
• Claim GST on expenses
• How to claim your tax return
• Claim your Superannuation
• New South Wales
• South Australia
• Western Australia
• Northern Territory
• POPULAR SPOTS
• NEW ZEALAND
• ASIA PACIFIC
• Traveling around Australia
• Travel Budget
• Climate and seasons
• Customs in Australia
• Itineraries ideas
• Road Trip Complete Guide
• Budget Road Trip
• Where to camp in Australia
• Choose and buy a vehicle
• Tips for everyday life
• News in Australia
• Festivals & events in Australia
• Just for fun
• Best stopovers from Europe
• When to buy your plane ticket
• Rent a cheap campervan in Australia
• Motorhome rental in Australia
• Car rentals in Australia
• How to rent a vehicle in Australia
• Rent a cheap campervan in NZ
• Motorhome hire in New Zealand
• Best Diving spots in Australia
• Great Barrier Tours – Best tours
• Best spots to surf in Australia
• Working in Australia
• Setting yourself up for work
• Writing a resume in Australia
• Wages in Australia
• Typical Backpacker jobs and salaries
• Certificates & training
• Getting your Tax File Number
• How to get an ABN
• How to claim your superannuation
• Housekeeping work
• Hospitality jobs
• How to find a job in hospitality
• Working in a bar
• RSA Certificate
• Coffee Barista course
• Gambling establishments (RSG / RCG)
• Work in construction
• Work as a Traffic Controller
• White Card certificate
• Become an Au Pair in Australia
• Get your Blue Card
• Fruit picking jobs
• Fruit picking map – contacts
• Fruit picking season – calendar
• How to apply for a second year
• How to calculate your 88 days
• Eligible areas for a second year
• Eligibles jobs for a second year
• Volunteering in Australia
• Work as a freelance
• Best Outback jobs
• Work in a road house
• Working in a cattle station
• Become a Hairdresser in Australia
• Find a professional job
• More job experiences
• Study in Australia
• International Student insurance
• Budget to study
• Diploma equivalency
• How to finance your studies
• Universities in Australia
• ANU: Australia’s number one uni
• Medicine studies in Australia
• Top 10 online courses
• Getting ready for your IELTS Test
• Find a student job
• Orientation Week
• Free study advice
• Internship in Australia
• 10% OFF Go Walkabout
• 5 Free transfer with CurrencyFair
• Promo Code Airbnb
• Cheap Campervan rental
• 5% OFF Travellers Autobarn
• 5% OFF Jucy Rentals
• $25 OFF RSA Courses
• $16 OFF White Card Courses
• $25 OFF RSG / RCG Courses

• Great Barrier Tours - Best tours
• News in Australia Be up to date. Here you will find all the news from Australia that are relevant for backpackers! All news at a glance!
• Festivals & events in Australia
• Wildlife Discover Australia’s wildlife! Find everything you ever wanted to know about Australia’s animals. Kangaroos, wombats, koalas, wallabies, crocodiles, Tasmanian devil, kookaburras, sharks, wales and many more… Understand Australia s animal kingdom and discover some adorable Aussie animals.
• Just for fun Funny articles about random things happening in Australia: Unusual events, illustrations, competitions and much more. Just for fun is entertaining and funny!

• Certificates & training
• Fruit picking map - contacts
• Fruit picking season - calendar

• More info Australia is a popular destination for both Working Holiday Visas and tourists, however, it is also worth considering Australia as a destination for studying. Better yet, foreign students are in great demand, with many nationalities. Many choose to study in Australia to improve their English skills, travel around Australia and to gain an international degree. Many choose to study in Australia.
• ANU: Australia's number one uni

Travel insurance Australia

Traveling to Australia, with its vast landscapes, iconic beaches, and vibrant cities, is a dream for many. However, whether you’re exploring the Outback, surfing in Byron Bay, or visiting the Sydney Opera House, it’s crucial to consider the practicalities of travel insurance. Navigating the world of International Health and Travel Insurance is crucial for anyone planning an extended stay outside their home country. This guide aims to enlighten you on the importance of travel insurance and assist you in making an informed choice tailored to your unique travel needs and profile.

Table of Contents

Exploring Different Travel Insurance Types

Working holiday travel insurance.

This insurance is essential for those participating in the Working Holiday Visa program, which allows 18 to 35-year-olds (30 in some cases) to travel and work in countries like Australia, New Zealand, and Canada. Given the risks associated with living and working abroad for 1 to 3 years, securing appropriate insurance is often a prerequisite for obtaining the visa.

Only few countries offer this type of visa, among them: Australia, New Zealand and Canada are popular destinations for travellers.

Read also : Working Holiday Travel Insurance

Student Insurance

Embarking on overseas studies is an exciting venture. However, it’s vital to secure student-specific insurance, especially when studying outside the European Union. While local national insurance is a must, additional private insurance ensures comprehensive coverage during your educational journey.

Read also : International Student Insurance in Australia

For globe-trotters exploring multiple countries, understanding and preparing for varying health systems is key. Backpacker insurance offers peace of mind, covering potential incidents and health issues across different regions.

Read also : Backpacker Travel Insurance

Travel insurance – short stay overseas

Even brief holiday trips warrant insurance coverage. Short-term travel insurance is a smart choice for trips under 90 days, safeguarding your journey regardless of its duration.

Read also : Short Term Travel Insurance – Australia

Au Pair insurance

Being an Au Pair in a host family is a great way to immerse yourself in the culture of a new country. Although enjoying some security in staying with a family, you are not protected from an incident. It is always important to be covered for yourself and also for the children you will be responsible for.

Volunteer insurance

Volunteering abroad exposes you to unique risks, from health hazards to security concerns. Opt for insurance that provides comprehensive emergency assistance 24/7, regardless of your destination.

Expatriate insurance

For those considering a more permanent move, expatriate insurance is tailored to your new country of residence. It’s essential whether you’re relocating alone, with family, as an independent professional, or as an employee.

In summary, selecting the right travel insurance is a pivotal part of planning your overseas adventure. It ensures not just your health and safety but also enriches your international experience by providing a safety net, allowing you to fully immerse in your journey with peace of mind.

Travel Insurance Companies

Depending on your type of travel, different Travel Insurance Companies would be able to offer you the cover that is best for you and your needs. It is important to compare all of them and find the right one for you. Check the covers, prices, your needs, the services offered. Among the companies, you will find:

WorldNomads

Offers cover for more than 100 countries worldwide*

Go Walkabout

UK RESIDENTS 10% OFF with code: ABG10

AVAILABLE IF ALREADY ABROAD

*World Nomads offers cover for more than 100 countries worldwide except those that have specific Government ‘Do Not Travel’ warnings in place, and any sanctioned countries. 

Why should I get travel insurance?

Travel insurance is an essential safeguard, as the unpredictability of life, exemplified by the Covid-19 pandemic, shows that absolute safety is a myth. Here’s why securing international travel insurance is a wise decision:

Navigating National Health Care Systems

While your home country’s health care system might offer excellent coverage, it typically doesn’t extend beyond the European zone . When traveling internationally, additional insurance is necessary to ensure coverage in case of accidents. For travel within Europe, obtaining a European Insurance Card is crucial. Additionally, some countries have Reciprocal Health Care Agreements (RHCA) , which might cover some health care costs abroad. It’s important to verify this before your trip.

The Limitations of Credit Card Travel Insurance

Many credit cards provide travel insurance, but this coverage is often limited. Restrictions usually include the trip’s duration (often under 90 days) and the extent of reimbursement. The specific terms and conditions can be restrictive. While Credit Card travel insurance may suffice for short trips, longer journeys demand more comprehensive insurance solutions.

Health risks in Australia

Medical treatment in Australia can be expensive for non-residents. Travel insurance can cover these costs, ensuring that you receive the necessary treatment without facing financial hardship. Since health is paramount, you have to be careful and make sure you are covered in all situations! Here are some of the health risks in Australia :

Climate-related health risks

Australia’s vast size results in varied climate zones. In arid desert areas , high temperatures are common. Protect yourself with sunscreen, hydration, hats, and sunglasses.

Health risks from animals and insects

Beware of  mosquitoes ! While the risk is low, there have been instances of dengue fever in Queensland. Mosquitoes can also transmit Ross fever or Murrey Valley encephalitis. Protection against mosquito bites is advisable.

In the north of Australia, be vigilant if you’re anywhere near water. It’s best to keep a good distance to water holes and rivers in which Saltwater crocodiles might be staying. Another reason to not go swimming in the ocean in Northern Australia is the lethal  Box Jellyfish . As their season runs from October to May, you might see brave people in the water at other times. To be on the safe side, rather swim in the public pools or lagoons.

Finally, there are obviously other animals you should stay far away from! A  stray dog  or any other animal that bites you can become a hazard if it transmits rabies.

Anticipate the risks and protect yourself!

Although health risks in Australia are relatively low, they do exist. And as everywhere else in the world, health risks are not the only danger. To avoid being stung by high medical costs, make sure to subscribe to a complementary health insurance.

Find out more in our article on Working Holiday Travel Insurance .   

   Travellers Advice

Travel insurance for cancellations or Delays

Unforeseen circumstances, such as natural disasters or personal emergencies, can disrupt your plans. Travel insurance can reimburse you for non-refundable expenses, helping to mitigate the financial impact. If you need to cancel or want to have more flexibility during your trip, you should take out cancellation insurance in order to  avoid losing too much money . Moreover, if you are not traveling by yourself, changes of plans are very likely, so it is essential to make sure you will have your back covered!

Luggage insurance

When securing a travel insurance plan, it’s common for the policy to encompass protection for your  luggage  and personal effects. Misplaced or delayed baggage is a fairly common travel mishap, leading to  unwanted disruptions  in your journey. Insurance for your baggage provides a safeguard against such  unpredictable  events, ensuring you are  compensated  for some or all expenses incurred.

Typically, baggage insurance safeguards your belongings for  the duration of your journey , including both your departure and return. Additionally, certain policies may extend coverage to include any mishaps with your possessions during your stay, such as loss, theft, or damage.

It’s crucial to clarify the  specifics of coverage  in advance, as the criteria for claiming compensation are quite stringent. For instance, most policies will only cover checked baggage, as any hand luggage remains under your personal care and is thus your responsibility.

Early return

When traveling abroad, an unexpected event may force you to return home earlier than planned. Unfortunately, in the event of  death or a serious accident of a family member , or a major incident at home, you might have to go back home earlier. If you are covered by a travel insurance, this change of plan can be taken care of at no cost for you.

Repatriation assistance

Traveling usually involve discovery and fun, however, an accident can unfortunately happen at any time. In case of accident or serious illness, the  medical team that will treat you may decide to transfer you to another country or to repatriate you . To cover those situations and the costs involved, additional travel insurance is required.

Legal assistance

Any litigation leads to fees . Those fees can get high pretty quickly, so if you do not want to spend too much money, it’s safer to be covered. All travel insurances offer to cover all or part of legal costs, such as lawyer, expert costs etc.

In summary, travel insurance is not just a formality but a necessity for any international journey. It provides peace of mind, ensuring you’re prepared for health risks and unexpected events, allowing you to fully enjoy your travel experience.

Choosing the Right Insurance

Selecting the right travel insurance requires careful consideration of your travel plans, activities, and personal needs. Consider the following when choosing a policy:

Consider Your Activities

The health risks you face will vary with your lifestyle and activities abroad. If you’re planning to engage in extreme sports like skydiving or diving, ensure your insurance covers adventure sports

Backpacking around the world

For globe-trotters, in addition to varying risks in different countries, there’s also the possibility of needing to rearrange your trip. Opt for insurance with comprehensive luggage cover and a cancellation option for flexibility in unforeseen circumstances. Verify that your insurance provides 24/7 emergency assistance and covers medical expenses upfront, regardless of your location.

Family Vacation

Traveling with family means different priorities and needs. Opt for higher coverage as children might have special needs or be more susceptible to health issues. Cancellation costs can be significant for family trips, so consider insurance with a cancellation policy for peace of mind.

Au Pair Travel

As an au pair, you need insurance tailored to this role. Look for policies covering hotel expenses in case of a family change or personal liability if an accident occurs with the child in your care.

Type of visa

When choosing your travel insurance, you will also need to consider the type of visa you will travel with in order to purchase the appropriate insurance cover.

If you intend to travel with a  Working Holiday Visa , you may have to take out mandatory insurance to have your visa approved. Moreover you will probably spend several months in a country, increasing the risk of being sick or have an accident. Some insurance companies are specialised for this kind of travel and will offer you all the guarantees you need for your trip.

If you are traveling with a  student visa in Australia, you will have to take out compulsory national health insurance. However, you may also have to take out private insurance to make up the gap in reimbursement. Plus be covered for other risks such as potential early return, personal liability, rental liability etc.

Working Visa

If you intend to  live in a foreign country for work  you will need insurance that covers your medical expenses or repatriation in case of illness or an accident while working or even in your everyday life. A proper insurance cover will allow you to pack and go with peace of mind for you and your family.

If traveling on a  tourist visa , depending on the length of your stay, the insurance will also be different. Also, for a stay as a tourist you will certainly want insurance that covers your luggage. Or will refund you in case of cancellation of your stay. If you are going to do sports activities (skydiving, climbing etc), make sure that these are covered by your insurance contract.

Special medical needs

Your  personal needs and condition  must be taken into account when choosing your travel insurance. Do you have a physical disability or a specific illness or condition that requires a continuing treatment? Then you will need a special health insurance. In this situation, the best option is to contact your national health care system. Discuss with them the potential reciprocal agreement they may have with other countries.

Consider the following when choosing a policy:

• Coverage Limits: Ensure the policy covers the full cost of potential losses, including healthcare in case of serious medical emergencies.
• Exclusions: Understand what is not covered. For example, some policies exclude certain adventure sports unless additional coverage is purchased.
• Duration of Coverage: Make sure the policy covers the entire duration of your trip, with some buffer for unexpected delays.
• Reputation and Reviews: Choose a reputable insurance provider with positive reviews and responsive customer service.

Travel insurance is an essential part of planning your trip to Australia. It not only protects you from unexpected costs and losses but also ensures that you can seek assistance in emergencies, offering peace of mind as you explore the wonders of the Land Down Under. Whether you’re a backpacker on a months-long journey or a tourist on a brief holiday, there’s a travel insurance option tailored to your needs.

The healthcare system in Australia

Reciprocal agreements.

Medicare , the publicly funded health scheme of the country covers all Australians.

Australia has signed agreements with 11 countries. Those cover the cost of medically necessary care when Australians visit certain countries and visitors from these countries visit Australia. Those countries are: United Kingdom, The Republic of  Ireland, New Zealand, Sweden, The Netherlands, Finland, Italy, Belgium, Norway, Slovenia, Malta.

Visitors from these countries are entitled to some subsidised health services for essential medical treatment while visiting Australia.

The length of cover depends on your country of origin. For example, if you are a resident of the United Kingdom, Ireland, Sweden or Norway, you are covered for the entire length of your stay in Australia. See the list of countries and specific informations on:  Reciprocal Health Care Agreement .

Consultations fees in Australia

Here are a few examples of consultation fees in Australia.

• Consultation with a general practitioner: Between 90 and 120 AUD ( Rates vary by city and medical practice )
• Medical specialist: between 150 and 250 AUD Note : To get an appointment with a medical specialist, you will need to go through a general practitioner.
• MRI: Between 200 and 800 AUD *
• Hospitalisation: More than 1000 AUD per day *

Read also : Australian Health Care System

FAQs Travel Insurance

Travel insurance for Australia typically covers medical expenses, trip cancellations or interruptions, baggage loss or delay, emergency medical evacuation, and personal liability. Specific coverage may vary between policies, so it’s essential to review the policy details prior subscribing.

Travel insurance is not mandatory for entering Australia, but it’s highly recommended . Having travel insurance can provide financial protection and peace of mind during your trip.

Yes, travel insurance typically covers medical emergencies in Australia, including doctor visits, hospitalization, and emergency medical evacuation if necessary.

Many travel insurance policies offer coverage for a range of adventure activities and sports, but coverage can vary between insurers. Check your policy for specific details and any exclusions.

Not necessarily. Many travel insurance policies include luggage coverage, but check the terms to ensure it meets your needs.

Updated 15/02/2024

Ultimate Guide to Exploring Perth: Top Attractions & Insider Tips

Explore Sydney: The Ultimate Travel Guide for Every Visitor

Visit Brisbane – The complete travel Guide

• Terms of Use
• GDPR – Privacy Policy

Australia Work & Travel Insurance

Off to Australia with a working holiday visa? Although Irish citizens are entitled to free emergency care due to a reciprocal health agreement between the two countries, it doesn't exclude the need of travel insurance, especially when you are thousands of miles away from home.

At BackpackerTravelInsurance.ie, you can get travel insurance for up to 2 consecutive years with cover for ambulance and repatriation - not included in the agreement - plus a series of benefits such as work, sports, missed departure and baggage cover.

Get a quote now and enjoy your time in Australia!

1 Year Policy from €257.50* Or customise your policy for any length of time up to 2 years.

*Online Premier price for 1-year Worldwide Excl. USA/Canada cover for one person under 50 years.

From €129.99* 6 Months, 1 & 2 Year policies available.

*Online Premier price for 6 Months Worldwide incl. USA/Canada cover for one person aged under 50 years.

Key Benefits of Travel Insurance for Australia

Emergency assistance service.

The Emergency Assistance Service is available to you 24/7 with worldwide and multi-lingual support.

Worldwide excl. USA/Canada

You will still be covered if you decide to go on a trip up around Thailand or New Zealand, for example. To include cover for USA/Canada, an additional premium will apply.

Medical Cover & Repatriation

The policy provides cover for Emergency Medical expenses including hospitalisation and repatriation expenses.

Be covered for several occupations, including waitressing, au pair/nanny and farm work excluding the use of power tools and machinery.

Sports & Activities

Get cover for 60+ sports categorised as Grade 1 included as standard or add protection for specific activities for an additional premium.

Instant Cover

With BackpackerTravelInsurance.ie you get instantly covered once you have not already departed or commenced your trip.

Please see the policy wording for full terms, conditions and exclusions.

Why choose BackpackerTravelInsurance.ie?

Super competitive prices.

In addition to affordable insurance policies, we provide two levels of cover, Premier and Premier Plus.

Easy Claims Process

Claims procedure is made as simple and straightforward as possible and there is a claims adjuster based in Ireland.

Multi Award Winning Company

Backpackertravelinsurance.ie is part of Cover-More Blue Insurance Services Limited, winner of numerous Best Travel Insurance Provider awards.

High Customer Satisfaction

We have received many 5 star reviews on Trustpilot.

Safe and Secure

BackpackerTravelInsurance.ie website is SSL certified and all the transactions are encrypted.

Trustworthy Underwriter

Policies are underwritten by MAPFRE ASSISTANCE Agency Ireland.

We have received many 5 star reviews on Trustpilot, an independent third-party review platform.

What our Customers Say About Us

Contact us for more information.

• BackpackerTravelInsurance.ie,
• Blanchardstown Corporate Park 2,
• Blanchardstown, Dublin 15.
• 0818 286 455
• 01 513 5997
• [email protected]
• Opening hours:

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Singapore
• Travel Insurance For Indonesia
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review
• Tick Travel Insurance Review

More from  

Tick travel insurance top cover review: pros and cons, was discovery travel insurance review: features, pros and cons, fast cover comprehensive travel insurance review: pros and cons, our pick of the best domestic travel insurance for australians, travel insurance for indonesia: everything you need to know, travel insurance for singapore: the complete guide.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.