Travel Insurance for Australia

From Brisbane to Byron Bay, travel around Australiawith confidence with AllClear.

What is Australia Travel Insurance, and why do you need it?

Australia is a top holiday destination for Brits. In 2023, Australians welcomed nearly 540,000 British tourists, and it’s easy to see why.

Any trip can take a turn. You could lose your wallet at Bondi Beach or injure yourself while snorkelling. Outside of the UK, medical treatments can be expensive. With Travel Insurance from AllClear, you’re covered. We’ll even offer protection if you have a pre-existing medical condition. Plus, we cover lost luggage, cancelled holidays, and travel delays.

While Australia isn’t a dangerous country for tourists, Travel Insurance is still essential:

It’s not uncommon to run into trouble in Australia, especially if you’re off the beaten path. There are multiple search and rescue operations each year in the Australian outback as tourists become lost. It’s important to have cover if you need to be evacuated to a hospital from a remote location.
Australia is infamous for its animals and many are dangerous. In one year there were 23,380 hospitalisations due to contact with animals in Australia. The right kind of Travel Insurance means you’re not stuck having to cover expensive medical procedures.
Remember that the Australian Government says if you can’t afford travel insurance, you can’t afford to travel.

Getting the right Travel Insurance policy is the key to travelling with peace of mind. At AllClear, we can cover: All medical conditions. All ages. All destinations. 98% of our customers would recommend us to family and friends, so you’re in good hands⁴.

What does AllClear’s Australia Travel Insurance cover?

Our Australia Travel Insurance covers you for unexpected medical costs. It also covers lost luggage and cancelled flights. Travel with peace of mind, knowing you’re covered with AllClear.

What’s covered?

Medical cover. AllClear policies include emergency medical cover. That includes surprise medical costs for existing conditions. We cover prescription medication, medical emergencies and medical equipment.
Cancellation and curtailment³. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.

What’s not covered?

Deciding not to travel. We do not provide any cover if you can travel but choose not to.
Other regions. Your Australia Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.

For full details, please refer to your policy wording.

We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.

SWIPE TO COMPARE POLICIES

	Gold	Gold Plus	Platinum
Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Unlimited
Cancellation* and Curtailment	Up to £2k	Up to £15k	Up to £25k
Travel Delay	Up to £300	Up to £1,500	Up to £1,500
Personal Belongings	Up to £2k	Up to £2.5k	Up to £5k
Personal liability	Up to £2m	Up to £2m	Up to £2m
Legal protection cover	Up to £50k	Up to £50k	Up to £100k

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

AllClear’s Travel Insurance for Australia with pre-existing medical conditions

If you have a pre-existing condition, you’re in the right place. More than 62% of our customers have more than one pre-existing condition⁵. We’re proud Medical Travel Insurance Specialists. We’ve helped more than 3.5 million customers get abroad. If you’ve got a pre-existing condition, you’re in good hands with AllClear. We’ll protect you should you face any unexpected costs due to your condition while you’re on holiday.

The first step is to complete a medical screening. During this process, we’ll ask you a few questions about your pre-existing condition/s. This is so we can work out what sort of cover you’ll need when you’re abroad. Some of the questions we might ask include:

When were you diagnosed?
Do you take any medications?
When was the last time you were admitted to hospital for treatment?

We can cover conditions like:

Mental Health Conditions. For example, bipolar disorder, depression, and schizophrenia.
Surgical and Transplant Conditions. Such as liver transplant, heart transplant, hip replacement or colostomy.
Respiratory Conditions. Including asthma, COPD, bronchiectasis, and cystic fibrosis.
Eye Conditions. Like cataracts, glaucoma, and other eye conditions.
Endocrine Disorders. This includes type 1 diabetes and type 2 diabetes. also underactive thyroid, and liver cirrhosis.

Once you’ve completed a medical screening, you can get a quote for Travel Insurance to Australia.

Find the best Australia Travel Insurance for your trip

Tailor your Australia Travel Insurance to match your plans. This means you’ll get the best cover, whether it’s your first trip or your hundredth.

Frequent Flyer or One-time Traveller?

Single Trip Travel Insurance: Ideal for up to 365 days of uninterrupted travel.
Annual Multi-trip Travel Insurance: This policy is perfect for those taking lots of trips a year. Each trip is covered for 45-55 days.

Additional Cover for Specialised Trips

Cruise Cover: Includes protection for missed departures. It also covers cabin confinement and unused excursions.
Gadget Cover: Secure up to eight of your gadgets against loss, theft, or damage.
Golf Cover: Protect your golf gear and get reimbursed for unused Greens Fees, up to £750.

Travelling with Others? Make travel easier with a single policy

Family Travel Insurance: Cover yourself and your kids with one handy policy.
Group Travel Insurance: Insure up to eight adults with a single policy. Less paperwork, more fun.

Do you need a visa to travel to Australia?

Yes, British citizens need a visa to travel to Australia. There are two ways to get a valid visa:

1. An eVisitor visa: this is free and comes with no application charge or fee.

2. ETA (Electronic Travel Authority): this is obtained through a mobile app for IOS and Android devices. There is no application charge, but there may be a payable service fee.

See more Australia travel advice

Healthcare in Australia

British nationals can access essential or urgent healthcare in Australia through the UK-Australia Reciprocal Health Agreement.

For the ultimate peace of mind, purchasing Travel Insurance is essential. Without it, you could be significantly out of pocket as the reciprocal agreement only covers emergencies. The Australian Medicare system subsidies necessary treatment whilst you’re in the country, but doesn’t even the basics such as pre-existing conditions or the cost of an ambulance.

In the event of an emergency in Australia, call 000 for police, fire brigade or an ambulance. Tell your Travel Insurance provider the details of what’s happened as soon as it’s safe to do so.

The top three places to visit in Australia

1. Sydney

Home to the iconic Sydney Opera House and Harbour Bridge, this vibrant city offers stunning beaches, world-class dining, and breathtaking coastal walks. A cruise along the harbour is a particular delight.

2. Melbourne

Consistently voted as one of the most liveable cities in the world, Melbourne is a delight to visit too. Explore the famous Queen Victoria Market, catch a cricket match at the world-famous MCG or take a scenic drive along the Great Ocean Road.

3. Uluru (Ayers Rock)

Discover the heart of Australia at Uluru, a breathtaking natural wonder rich in culture, history, and beauty. You can immerse yourself in Aboriginal heritage, explore ancient rock art, and feel the spiritual energy of this UNESCO World Heritage Site.

How our Travel Insurance for Australia works: A simple 3 step quote process

Simply complete our quick 3-step screening process to receive your quote. Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details. We’ll also ask for information about your holiday plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

You must declare any medical conditions you have. You should also mention any medications you and your travel companions are taking. This will allow us to provide the cover that best suits your needs.

3. Get your quote

You can either proceed to buy or save your quote at this stage.

Letitia Smith

“Australia seems to beckon Brits over, with more and more of us heading down under each year. There’s plenty to do in Australia. The beaches. The outback. The history! However, you can never predict the unexpected! Whether it’s a medical emergency, lost baggage or run-ins with the native flora and fauna. Comprehensive Travel Insurance with medical protection is key to having a stress-free time.”

Letitia Smith – Travel Insurance expert

What our customers say

Excellent Customer Service

“My experience regarding a recent quote for travel insurance to Brisbane, Australia that I wished to discuss -as now booked the flights- was extremely helpful.
Mustafa went through all the necessary items & to make sure I had the adequate cover needed. He answered any questions I had with patience & diligence-also fairness with price. Many thanks.”

– Josephine Kirk
– Date of experience: January 30, 2024

There’s a reason 98% of our customers would recommend us to family and friends⁴. Here’s what they have to say about us.

What our Customers Say

Frequently Asked Questions on Australia Travel Insurance

Do you need Travel Insurance for Australia from the UK?

Having Travel Insurance is not a legal requirement to enter Australia. However, it is recommended by both the UK Government and the NHS. Australia is generally safe, but unexpected events can happen. Travel Insurance provides financial protection and assistance services.

How much is Travel Insurance to Australia?

The price of each Travel Insurance policy is based on several factors. This includes your age and medical history; also your destination country and the length of your trip. Each of these can vary depending on the trip and the person. This means the cost of the Travel Insurance for Australia policy can also vary.

What Travel Insurance do you need for Australia?

The type of Travel Insurance you need for a trip to Australia will depend on a few factors. For example, your medical history and the nature of your trip. Here are some key cover areas to look for:

Emergency medical expenses (up to £10-15 million)
Repatriation costs
Trip cancellation/interruption (up to £10,000)
Lost/delayed luggage
Emergency evacuation
Personal liability

Planning any adventurous activities like diving or hiking? Remember that you’ll need to get adventurous activities cover.

Does the GHIC cover Australia?

Yes, the Global Health Insurance Card (GHIC) does cover Australia. The GHIC will provide cover for the following:

Medically necessary treatment outside hospitals.
Medically necessary treatment as a patient in public hospitals.
Certain prescription medicines).

The GHIC does not cover some medical expenses when in Australia.

You’ll still need to pay for treatment at most doctors’ surgeries.
Most prescribed medicines are not covered.
Ambulance travel is not covered.
Dental treatment is not covered.

The GHIC provides access to essential medical care. This is through the UK-Australia Reciprocal Healthcare Agreement. It does not replace comprehensive Travel Insurance.

How does Medicare affect your Travel Insurance?

Medicare does not directly affect your Travel Insurance for Australia. Both Medicare and the Reciprocal Health Care Agreement (RHCA) provide some medical cover:

Medicare: UK residents are not automatically covered by the Medicare system. You’ll need to register for it on arrival in Australia. You can also register after having a treatment completed.
RHCA: The UK and Australia have a Reciprocal Health Care Agreement. This means UK visitors can access some public health services in Australia. This provides access to medically necessary treatment. You can get some prescription medicines and certain hospital treatments. However, it does not cover all medical expenses.

Remember that Medicare doesn’t cover everything. It won’t cover:

Non-medical expenses (e.g., luggage loss, trip cancellation)
Private hospital care
Ambulance services
Dental treatment
Repatriation costs
Outpatient expenses not covered by the RHCA

Medicare access through the RHCA provides some basic health cover in Australia. However, it does not replace the need for comprehensive Travel Insurance. Your Travel Insurance will provide broader cover during your trip.

Do you need additional cover for adventure sports in Australia?

Additional cover for adventure sports is not necessary to travel to Australia. But it can be a good idea to get it. Adventure activities are popular in Australia. This includes things like diving and hiking. Planning to scuba dive at the Great Barrier Reef? What about a hike to see Uluru? Adventure sports cover will protect for activities like this.

Do you need a visa for Australia?

Yes, British tourists need a visa to enter Australia. All non-citizens must obtain a valid Australian visa before travelling.

Types of Visas:

eVisitor Visa: This electronic visa is available for British citizens. Apply for it online. It allows multiple entries and is valid for 12 months.
Electronic Travel Authority (ETA): This is another electronic visa option. It also allows multiple entries within a 12-month period.
Tourist Visa (Subclass 600): This traditional visa allows stays of up to 12 months.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.

Which activities do you have planned?

Remember to add extra cover to your policy for a worry-free trip. Whether you’re planning a skiing holiday or setting sail on a cruise.