Travel insurance for Australia: how you can find the right insurance for your trip

Let’s agree: finding the right kind of travel insurance for Australia is not the most exciting part of preparing your adventure.

But you also know it’s important.

Unfortunately, bad things can happen abroad and with the right kind of travel insurance, you don’t have to suffer the financial consequences at least.

So here are some questions you might have:

What is the best kind of travel insurance for Australia? How do you find the right insurance for your trip? And, last but not least: do you really need travel insurance for Australia?

In this guide, you’ll read everything you need to know to get the best travel insurance for Australia.

Do you really need travel insurance for Australia?

“If you can’t afford travel insurance, don’t travel.”

Most people seem to think that travel insurance is only necessary for expensive items but forget a far more important part: medical care.

Look:

The cost of (serious) medical treatment is far higher than that Macbook that might get stolen. Serious medical treatment might mean personal bankruptcy.

So that’s the #1 reason why you should take out travel insurance for Australia.

What does travel insurance cover?

In general travel insurance covers the following:

  • Costs of stolen, lost or damaged luggage.
  • Reimbursement of the costs your family makes in case they need to visit because you’re seriously ill or injured.
  • Repatriation back home in case of serious illness or injuries.
  • Transport of your body if you pass away in Australia.
  • (Return) tickets back home in case a family has a life-threatening condition or has passed away.
  • Necessary travel costs in case you have to stay longer due to unforeseen circumstances.
  • Personal liability and legal assistance (however, not all travel insurances cover this).

The devil is in the details: what’s not covered by travel insurance?

Most travel insurances will tell you exactly what they cover, but it’s a lot harder to find what’s not covered.

Of course, it might be written in the policy conditions but we both know that deciphering the Egyptian hieroglyphs was probably an easier task.

So in order to help you, these are the things (if relevant) you should look-out for and ask the insurance company before buying their policy:

  • Will the insurance cover you during paid work abroad?
  • What is the maximum number of consecutive days you can travel?
  • Are you allowed to do volunteer work?
  • Will the insurance cover you if anything happens during risky activities like bungee jumping skydiving or scuba diving?

These are just some questions to consider.

It’s best to write an email to the insurance company asking them all the relevant questions you have. By doing this in writing, they will generally reply in writing and that means you’ll have all the promises written down and you’ll end up with the best travel insurance for Australia.

Which insurance would we recommend for backpacking Australia?

In case you’re planning a short trip, we would recommend you to find cheap annual insurance in your home country. This will save you some money, but give you limited cover. That’s is fine if you’re only traveling and don’t intend to work.

In case you want a more extensive cover, for instance, because you’re planning to find a job, we would recommend the number one travel insurance for Australia: World Nomads.

World Nomads is the perfect insurance company for backpackers and solo travelers. It’s meant for people that are always on the move, and it covers all the essentials. It will allow you to work and has unlimited medical expense if you choose the Explore coverage.

Furthermore, World Nomads will cover you during many adrenaline sports like scuba diving, mountain biking, surfing, bungee jumping, skydiving and more. World Nomads covers you for 150+ activities.

Want to get a quote for your trip? Find out now on worldnomads.com

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