Why do you need insurance for travelling to Australia?
Although reciprocal healthcare arrangements exist between Australia and the UK, this does not cover pre-existing conditions or treatment that does not require prompt attention. When buying insurance for travelling to Australia, you should make sure that it covers the following:
- Medical expenses up to £5m.
- Repatriation to the UK in case you are incapacitated or need to be brought back for ongoing medical treatment.
- Cancellation of your holiday
- Unexpected events causing delays during travel
- Lost or stolen baggage
- Personal liability cover
British citizens resident in the UK and travelling on a British passport are entitled to limited subsidised health services from Medicare Australia for medically necessary treatment while visiting Australia. In-patient and outpatient public hospital treatment is given free of charge or at a minimal cost. This does not cover pre-existing conditions, or treatment that does not require prompt attention. Renal dialysis is included but you must arrange this before leaving the UK. Contact your NHS renal unit for further details. Further information from the FCO or NHS You should check Medicare Australia for further details.
Other exclusions under the reciprocal agreement include pharmaceuticals when not a hospital in-patient, use of ambulance services and medical evacuations. This can be very expensive – with reported cases exceeding £100,000 for medical evacuations to the UK. Make sure you have adequate medical travel insurance for Australia to cover the cost of any medical treatment abroad and repatriation.
The key benefits you can get
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- All ages. All medical conditions. All destinations.
3 easy steps to multiple quotes
What to do if you get ill on holiday in Australia?
If you need emergency medical assistance during your trip to Australia, dial 000 and ask for an ambulance. Immediate contact must also be made with the 24 hour emergency assistance company (details and phonenumber would have been provided when you purchased your travel insurance policy). This is particularly important for any treatment not available under the reciprocal arrangement. Contact needs to be made before treatment is started.
What will you need to take with you to Australia?
- Evidence of UK residence (e.g. NHS medical card or UK driving licence)
- Temporary entry permit
- Travel insurance for your Australia trip – policy documents
Health precautions in Australia
Ensure you take extra health precautions if travelling in the Northern Territory, and parts of Western Australia, South Australia, Queensland and Tasmania. Contact your GP around eight weeks before your trip to check whether you need any vaccinations or other preventive measures. Murray Valley encephalitis (MVE), Ross River fever (RRF) and Barmah Forest virus (BFV) occur periodically in parts of Australia There is no vaccination against these viruses, but there are preventative measures that you can take, as advised on National Travel Health Network and Centre.