Travel Insurance Australia

From just £10.87 per week.

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Right for you?

Australia is a vast country with a rich history, an abundance of things to do and many places to see. Its diverse medley of mountains, beaches, reefs, rain forests and cities make it a popular destination for backpackers, gap year travellers and families alike. But like any adventure there is always a risk that something could go wrong. Taking out a travel insurance policy that comprehensively covers your time in Australia can give you piece of mind should anything happen.

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Whether you plan to surf the Gold Coast, trek the outback or explore the vibrant city-life, you will want to ensure you are covered should anything happen. Our travel insurance for Australia can cover you for cancellation and curtailment, emergency medical expenses, personal belongings and all the sports and activities you can pack into a trip down under.

Essential Travel insurance can cover you for:

For many, a trip to Australia will be a once in a lifetime opportunity that will be remembered forever. However, a holiday across the other side of the world rarely comes cheap and the cost can run into thousands before even leaving the UK. One thing you should not leave home without is a comprehensive travel insurance policy. Our travel insurance for Australia can cover you whether you are planning a relaxing break or an adventure holiday, packed with extreme sports and activities.

Cancellation and curtailment

The cost of flights alone, should be a good enough reason to buy travel insurance for Australia. If you are forced to cancel your trip before it even begins or cut it short for reasons beyond your control, our travel insurance policies can help you recover the costs for unused travel, accommodation and other pre-paid expenses and arrangements.

Missed or delayed departures

On selected policies you can claim up to £1,000 per person if you miss your train, ferry or flight due to circumstances beyond your control, such as industrial action, adverse weather conditions and closure of airspace.

Cover for baggage and belongings

No matter where you travel you are always at risk of losing, damaging or having your baggage and belongings stolen, and travelling to Australia is no different. With our holiday insurance for Australia you can cover your baggage and belongings for up to £2,000.

Sports and hazardous activities

It is no secret that Australians are sports mad. Golden coastlines, pristine beaches and warm weather make it ideal to get outside and exercise. Many travellers heading to Australia will want to learn to surf on the Gold Coast, scuba dive the Great Barrier Reef, bungee jump and tandem sky dive, most of which can be added to your cover at no extra cost. Our cheapest travel insurance for Australia will automatically cover you for over 100 sports and activities as standard, including:

Medical Conditions

UK, Europe and Worldwide

Medical Emergencies

Baggage Cover

24/7 Emergency Helpline

Single, Annual and Backpacker

Annual Multi Trip Travel Insurance

Annual Multi Trip Travel Insurance

Annual Multi Trip insurance is the ideal option for those who want comprehensive cover for all their trips this year, even those last minute adventures abroad.

Backpacker Insurance

Backpacker Insurance

Australia is a popular choice for youngsters & our backpacker insurance can cover 2 years continual travel to destinations such as Australia, as well as working, medical & baggage cover.

Sports Insurance

From bungee jumping and skydiving to weddings, cruises, golf, independent traveller cover, excess waivers and even business insurance. We have you covered.

As with all our policies you have the choice of three different types of trip:

Single Trip

A single trip policy can cover a UK resident aged up to 74 years old for 87 days continuous travel.

For those aged over 74, please visit our specialist over 74's travel insurance page.

Annual Multi Trip

If you plan on making more than two trips within the next 365 days, and not just to Australia, it may be best to compare quotes with our annual multi-trip policy. You can switch between prices for a single and annual multi-trip policy when you receive your quote, to decide which premium works out better value for you.


Our backpacker travel insurance is valid for up to 2 years continual cover and includes working and volunteering abroad. This is one of the most popular choices for those travelling to Australia on their round the world trip.

Australia is one of the most popular destinations among Brit's; the warm climes, sandy beaches and wide open spaces make it the ideal place to participate in your favourite sports or take part in an activity you wouldn't normally try.

An Essential Travel insurance policy, can cover you for over 100 sports as standard at no extra cost, providing that you are taking part in a non-professional capacity. For the more adventurous travellers, you will be able to add more risqué sports and activities as you make your way through the booking process.

All sports and activities are assigned a sports grade that corresponds to the level of risk involved. The more extreme the sport, the higher the grade you will need.

As a guide, mentioned below is the type of activity you can expect from each sports grade:

  • Sports Grade 1 - Activities like cycling, jet-skiing and kayaking don't require extra cover. We cover 110 sports at no extra cost.
  • Sports Grade 2 - Activities such as bungee jumping, safari and motorcycling (and more) require extra sports cover to be added to your policy.
  • Sports Grade 3 - Activities like paragliding and tandem sky diving require extra sports cover to be added to your policy.
  • Sports Grade 4 - High risk activities such as canyoning and rock climbing require the highest level of sports cover.

It is very important that you declare a pre-existing medical condition to us when you take out an insurance policy for Australia. Failure to declare a medical condition which you later claim on could invalidate your entire policy. If you are unsure if your condition is covered, simply follow our online medical screening process on the booking page.

What is a pre-existing medical condition?

Pre-existing medical conditions are those that existed before an insurance policy was taken out. Any disease or illness for which you have ever received medication, advice or treatment or experienced symptoms for.

As with all our policies, you can take out an individual, couples, family and group travel insurance policies for up to as many as 8 people. You can select the number of people you wish to cover at the start of your quote.

It is very important that you declare a pre-existing medical condition when you take out an insurance policy with us. Failure to declare a medical condition which you later claim on could invalidate your entire policy. If you are unsure if your condition is covered, follow the online medical screening process with our insurance partner - Latitude Travel Insurance - who specialise in medical cover for travellers.

The standard of healthcare in Australia is very good. Under a reciprocal health agreement with the UK, British citizens travelling with a British passport are entitled to a limited, subsidised health service from Medicare. This does not cover pre-existing medical conditions or any treatment that does not require urgent attention. Do note that this agreement does not include pharmaceuticals as an outpatient, use of ambulance services and medical evacuations. For more information, please visit the Department for Human Services, Australia website.

To ensure you are fully covered for medical treatment, no matter the severity, it is important to buy comprehensive travel insurance to cover your trip.

We advise that you buy your Australia travel insurance as soon as you have booked any accommodation and transport to ensure you benefit from immediate cancellation protection. Our cancellation and curtailment policy can cover events such as the death, bodily injury or serious illness to you, a travelling companion and close relatives. For a full breakdown of what is covered, please read our Policy Guide.

Will I need extra cover for sports and hazardous activities?

Our travel insurance covers over 100 sports and activities as standard on all policy levels, but for the more adventurous traveller we can provide hazardous activity cover too. After selecting your policy you will then be given the option to add additional activities and sports.

Scuba Diving

The Great Barrier Reef, located just off the coast of Queensland, is the largest coral reef in the world and attracts licensed and amateur divers from all four corners. With our travel insurance for Australia, anyone can benefit from Scuba Diving cover no matter which policy you take.

Scuba Diving up to depths of 20m is automatically covered with our cheapest travel insurance option.
Those planning on scuba diving to depths of up to 30m (Grade 2) or 50m (Grade 3) will need extra cover; this can be added as you make your way through the booking process.

Scuba diving is covered to the confirmed depths per Grade provided you are diving under the direction of an accredited Marshall, instructor or guide. If you are suitably qualified and are not diving alone, cover is provided within the guidelines of the relevant diving or training agency or organisation as confirmed below:

Scuba Diving alone is not covered with our travel insurance.


With over 35,000km of beaches, reefs and point breaks, Australia is regarded as one of the world’s best surfing destinations, catering for everyone, no matter their ability. Surfing is covered as standard on all policies at no extra cost; so if you fancy riding the waves while in Australia, you will automatically be covered for any mishaps.

Bungee Jumping

If you plan on launching yourself off an elevated platform with some rope tethered around your ankles, you’ll want to ensure you have the correct cover in place. With Essential Travel, you can cover up to 3 bungee jumps per trip when you add extra cover to your insurance policy.

Sky Diving

Tandem sky diving is one of the most popular activities for holidaymakers visiting Australia and something that can be easily added to our policies including backpacker travel insurance. Our extra hazardous activities cover allows up to a maximum of 2 tandem sky diving jumps per trip.

Snow Sports

Australia, renowned for its beautiful beaches, hot summers and warm seas, also has a thriving winter sports scene. Australians have been skiing their mountain ranges since 1861 and if you fancy hitting the slopes during their winter you will be able to add snow sports travel insurance to your policy as you make your way through the booking process.

Our winter sports cover not only covers skiing and snowboarding, but 25 other snow sports as standard.

Reciprocal Health Care

As a resident of the United Kingdom you can benefit from a reciprocal health care scheme while in Australia. This is similar to the EHIC card available for certain medical care while in Europe, but like the EHIC this agreement should not be considered as a replacement for travel insurance. The health care agreement with Australia will not cover you for other issues such as cancellations, repatriation and personal belongings.

If you require medical treatment in Australia you must enrol with a local MEDICARE office. You do not need to enrol on arrival but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found on the Department for Human Services, Australia website.

Winter Sports

Adding Winter Sports cover to your Single, Annual or Backpacker insurance policy allows you to take part in over 25 winter sports, as well as providing:

Medical Cover: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation

Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.

winter sports cover →


Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.

Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:

  • Your Personal Equipment up to £1000
  • Hired Equipment up to £200
  • Pre-paid Green Fees up to £300
golf trip insurance →


Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.

Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.

business trip insurance →


Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.

Cruise cover will add extra protection for:

  • Extended baggage cover up to £3,500
  • Missed shore trips up to £500
  • Cabin confinement (due to illness) up to £600
  • Valuables up to £700
cruise insurance →


If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything it’s meant to be.

  • Wedding Clothes up to £1500 per person
  • Wedding Gifts up to £1000 per couple
  • Wedding Rings up to £250 per person
  • Wedding Photographs up to £750 per person
wedding travel insurance →

Excess Waiver

Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.

Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.

find out more →

Independent Traveller

If you've packaged your holiday yourself (without the help of a travel agent) add the Indepentent Traveller add-on will provide cover for additional scenarios such as:

  • Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
  • Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
find out more →

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Essential Travel is a trading name of Holiday Extras Cover Ltd, which is authorised and regulated by the Financial Conduct Authority FRN 828848. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered office address: Ashford Road, Newingreen, Hythe, Kent CT21 4JF.

Essential Travel is underwritten by White Horse Insurance Ireland dac who are authorised by the Central Bank of Ireland. To check this you may visit