Travel insurance for Australia: What options are there?

Are you planning a trip to visit the Great Barrier Reef, the Sydney Opera House or hike in Kakadu National Park? Well, that’s an excellent idea! The country of the kangaroo is full of wonders to discover. However, just like when getting ready for any other trip, you’ll need to take some precautions. Even on the best-organised trips, unforeseen events can occur. That’s why today we want to talk to you about one of the most important decisions you’ll have make before setting off: Choosing the right travel insurance for Australia.

A good insurance plan will let you enjoy your adventure worry-free. You’ll be covered for accidents, flight delays, theft and many other things that could spoil your trip. Let’s take a closer look at the best travel insurance coverages for this destination and help you choose the one that better suits you. Here we go!

Why take out travel insurance for Australia?

Let’s be clear: Getting travel insurance is a must for any destination. The risk of something going wrong and ruining your dream holiday is always there, whether you’re in Rome or the Amazon. However, there are countries where it’s more important than others. Australia is one of those places, especially because it’s an expensive country where medical bills can be sky-high. If the time comes when you need medical attention, you’ll want to be covered.

Uncovered medical costs can be very high. For example, a basic medical consultation costs around $300 A ($197 US). And what if you need to be hospitalised in a private facility? It can exceed $1,500 A ($985 US). If you need to be airlifted by helicopter from a remote area, as has been the case in the Outback desert, the cost can amount to $4,000 A ($2,627 US). And that’s not even counting the cost of the treatment itself.

Travel insurance covers you for these kinds of expenses, and much more. Coverages also include medical repatriation and emergency transport, a must if you need to return to your home country due to a medical emergency. Repatriation, in particular, can get extremely expensive—a medical flight from Australia to Europe could cost up to $100,000 A (around $65,686 US). Most people wouldn’t want to pay out of pocket that amount without insurance.

But in addition to medical bills, travel insurance for Australia provides cover for other incidents. For example, for lost or stolen luggage, which is especially useful if you consider that long-haul flights and multiple stopovers increase the risk of losing your belongings. They also cover flight delays, compensating you if you miss a crucial connection or have to spend extra to reach your final destination That’s essential in such a vast country, where many remote areas rely on limited flight schedules and alternative transport isn’t always an option.

Ultimately, having the right travel insurance is more than just a formality or an extra expense—it’s an investment in your safety. It allows you to fully enjoy your Australian adventure with peace of mind, knowing you’re covered for any unexpected situations.

What should a travel insurance for Australia cover?

If you’ve never purchased travel insurance before, now that it’s clear you need one, you’re probably wondering what to look for. To begin with, you should know that the right one for you will depend on the type of holiday you’re planning. You won’t need the same cover to spend a few days exploring cosmopolitan Sydney as you’ll to dive the Great Barrier Reef. That being said, for insurance to truly serve its purpose in a destination like Australia, it must include broad coverage tailored to the country’s specifics and the nature of your trip. From medical care to adventure sports protection, there are several basic guarantees that should cover your policy if you want to travel with peace of mind. These are the most important ones to look out for before you hit the “Take out” button:

• Emergency medical care: Medical coverage is essential in any travel insurance, but in Australia it’s particularly important. The country has a high-quality health care system, but the costs of care for foreigners can be extremely high, especially in private facilities. Make sure your policy includes sufficient medical cover for consultations, hospitalisation and emergency medical treatment. It’s advisable to have coverage of at least $250,000 US to avoid issues in case of serious situations.
• Repatriation for health or emergency reasons: In case you need to return to your home country due to illness or accident, repatriation costs can be very high. It’s therefore essential that the insurance policy includes unlimited medical repatriation, ensuring that any transport-related expenses are covered. This coverage also applies if you need to return home early due to serious family or personal reasons.
• Lost or stolen luggage: Long-haul flights and frequent stopovers on trips to Australia increase the chances of luggage getting lost or damaged. Having coverage for lost, stolen, or damaged luggage is essential to protect your belongings and ensure compensation if your items go missing or get damaged during your trip.
• Flight delays and financial support: Australia, due to its geographical location and number of regional airports, has an extensive, but not always trouble-free, domestic and international flight network. Coverage that includes compensation for flight delays or cancellations can help you cover additional expenses in case of missed connections or changes to your travel plans. This can cover everything from accommodation to meal expenses while you wait for your next flight.
• Liability: This type of cover is vital to protect you in case you accidentally cause damage to third parties or their property. Imagine that during a tour or a diving activity at the Great Barrier Reef, you accidentally damage another tourist’s equipment or unintentionally cause an accident. Liability coverage prevents you from having to bear the costs of compensation or legal defence, offering a back-up that allows you to enjoy your trip with peace of mind.
• 24/7 emergency care: Travelling to a country as large and remote as Australia can be a challenge if you don’t have insurance that offers 24/7 hour assistance. Make sure your insurance company has emergency phone support available at all times, so you can get help quickly, no matter where you are. This can be especially useful if you have a mishap in the Australian Outback or if you need urgent medical advice. Remember to sign up for your Holafly eSIM so you can contact your insurer anywhere in Australia.
• Accidents in outdoor activities: Australia is a paradise for outdoor sports and activities lovers, from surfing at Bondi Beach to snorkelling on the Great Barrier Reef. But these activities also carry certain risks, such as injuries or accidents. A policy that covers adventure sports or outdoor activities will allow you to enjoy all these experiences without worrying about medical or rescue costs in the event of an incident.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 170 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

Comparison of the best travel insurances for Australia

Now that you’re aware why travel insurance is essential and what coverages are important for Australia, let’s look at the options available. To help you find the insurance that best suits your needs and budget, here’s a comparison of the five best travel insurances for Australia in 2025. In this table, you can see at a glance the coverage and benefits of each one, as well as key differences that can make the choice easier and more practical.

The 5 top travel insurances for Australia

As you can see in the table above, although all insurances offer similar coverage, some stand out in specific features, such as medical coverage or traveller emergency customer service. To give you a more complete overview and help you choose the one that best suits your type of travel and needs, here are the features and benefits of each of these five travel insurances for Australia in 2025.

Choose the insurance that best suits the way you travel and you can go to the country of the kangaroo with the peace of mind of knowing that you are covered in any situation.

IATI

IATI Seguros, with more than a century of experience in the sector, is renowned in Spain for its focus on travel insurance to suit all types of travellers, from those looking for basic cover to those who prefer comprehensive options to protect every aspect of their adventure. With solid experience and in-depth knowledge of the market, IATI offers policies that include medical cover abroad, emergency assistance and protection in case of unforeseen events, such as lost luggage or flight delays, without the need to advance any expenses.

The key to IATI’s success is its commitment to multilingual customer service, available 24/7, which offers travellers peace of mind. In addition, its App allows incidents to be managed quickly, making the resolution of emergencies from anywhere easier. This digital approach, coupled with a history of nearly 140 years, makes IATI a reliable insurer with a quality of service that meets the needs of today’s travellers.

Main coverage:

• Medical expenses: From €100,000 ($103,728 US) for IATI Basic to €5,000,000 ($5,186.02 US) for IATI Star.
• Repatriation: 100%
• Loss of baggage: €500 ($518 US) For Basic insurance, up to €2,500 ($2,592 US) for Star insurance.
• Adventure sports coverage: Included in superior plans. For whitewater, canyoning, rafting, cross-country skiing and other high-risk sports, you’ll need to take out the “Premium Adventure” clause in any plan.
• Refund for delays: €300 ($311 US) in IATI Star insurance.

Plans and prices:

• IATI Backpacker: €53.99 ($58.39 US) for 7 days.
• IATI Basic: €32.90 ($35.58 US) for 7 days.
• IATI Standard: €38.88 ($42.05 US) for 7 days
• IATI Star: €70.87 ($76.64 US) for 7 days

Chapka

Chapka Seguros, of French origin, has become very popular among travellers who enjoy adventure activities, such as diving and hiking, thanks to the fact that there’s no need to take out additional coverage to be covered for these activities. With medical assistance of up to one million euros on premium policies, Chapka provides users with solid protection in moderate-risk destinations. Its 24/7 multilingual service allows policyholders to solve any emergency quickly, which makes this insurer even more reliable.

This specialised approach has made Chapka one of the best choices for those looking to actively explore the world. In addition, competitive prices and additional coverage for flight delays or baggage loss make this insurer a flexible and comprehensive option. Chapka understands the needs of the most adventurous travellers and offers a service that combines flexibility and a further protection. An interesting option for those seeking security without breaking the budget.

Main coverage:

• Medical expenses: Up to €250,000 ($269,946 US). €1,000,000 ($1,081,395 US) for superior plans, and also emergencies and hosptialisations.
• Repatriation: Included.
• Lost or stolen baggage: Up to €1,500 ($1,620 US). Superior plans €2,500 ($2,703 US).
• 24/7 assistance: Medical assistance at any time.
• Adventure sports cover: It includes sports such as diving, surfing or kitesurfing.
• Flight delays: Only at the start of the trip, up to €150 ($162 US). €1,500 ($1,622 US) for superior plans.

Plans and prices:

• Cap Trip Plus: €35.59 ($36.91 US) for 7 days.
• Cap Basic: €26.76 ($27.75 US) for 7 days.

AXA

AXA is one of the world’s largest insurers. Its international experience supports its range of travel insurance products, designed for those who want to travel with the utmost peace of mind. Its plans range from comprehensive medical cover to assistance and repatriation. They are adapted to different travel profiles. In addition, the flexibility of its plans allows the addition of specific coverages, such as adventure sports or protection against unforeseen events in distant destinations, an option sought by many travellers.

AXA’s 24/7 multilingual customer service provides comprehensive support anywhere in the world, which is key for those who prioritise quick response. In addition, AXA’s wide international medical network allows policyholders to receive quality care no matter where. Its reputation and the quality of its coverages make AXA one of the most reliable insurers, ideal for those looking for security and first class assistance during their travels.

Main coverage:

• Medical expenses: Up to €150,000 ($162,209 US)
• Repatriation: Unlimited.
• Lost or stolen baggage: Up to €1,500 ($1,622 US)
• Adventure sports: Additional option €33.61 ($34.86 US).
• Civil liability: €30,000 ($32,441 US).

Plans and prices:

• Mini insurance: €37.64 ($40.82 US) for 7 days.
• Total Insurance: €58.07 ($62.80 US) for 7 days.
• Total Plus Insurance: €80.28 ($86.81 US) for 7 days.

Heymondo

Heymondo has revolutionised the travel insurance industry by integrating technology into its service offering, making the experience for its customers even easier. Heymondo’s App allows access to medical assistance from anywhere, an advantage for those who prioritise immediacy and ease of management. Heymondo’s App stands out from other options on the market by offering remote queries and allowing you to manage incidents with just a few clicks. This has positioned it as a favourite for young and trendy travellers looking for a hassle-free experience.

In addition, Heymondo’s 24-hour customer support, available in English, reinforces the user’s security, especially in emergency situations. Its range of cover, from medical assistance to repatriation and lost luggage, allows travellers to be protected at all times. Innovation and a focus on user experience make Heymondo an attractive and convenient alternative, tailored to the needs of today’s travellers.

Main coverage:

• Medical expenses: Up to €600,000 ($648,837 US) for “Ease of Mind Travel” and €10,000,000 ($10,796,250 US) for “Premium Travel”.
• Repatriation: Unlimited.
• Lost or stolen baggage: Up to €1,500 ($1,622 US) for the Ease of Mind plan and up to €3,500 ($3,778 US) for the Premium plan. Up to €2,500 ($2,700 US) on the Top Travel fare.
• Adventure sports: Included in the Complete modality.
• Civil liability: €60,000 ($64,883 US)

Plans and prices:

• Essential Travel: €30.55 ($91.80 US) for 7 days.
• Ease of Mind Travel: €35.59 ($91,80 US) for 7 days.
• Top Travel: €57.18 ($61.82 US) for 7 days.
• Premium Travel: €76.01 ($82.18 US) for 7 days.

Intermundial

Intermundial, specialised in providing value for money travel insurance, is ideal for travellers looking for comprehensive cover without paying extra. With a wide range of products covering everything from medical emergencies to liability and lost luggage, it allows users to customise their plans according to the type of trip. In addition, its 24/7 multilingual service becomes a great support to manage unforeseen events in any country, which is especially valued by those seeking comfort and security during their travels.

Intermundial’s flexibility is also reflected in its change policy, allowing you to change dates of coverage if your trip is postponed, an advantage for frequent travellers. Its additional options for adventure sports or delay-specific coverages make it a convenient alternative for those seeking tailor-made protection. With its combination of competitive pricing and comprehensive coverage, Intermundial is a balanced and reliable choice for travel of all kinds.

Main coverage:

• Medical expenses: Up to €300,000 for the TotalTravel Mini plan, up to €2,500,000 for the TotalTravel Premium plan. The Totaltravel plan covers up to €1,000,000.
• Repatriation: Unlimited on all plans.
• Loss of baggage: Up to €1,500 for the most basic plan, €2,500 for the TotalTravel plan and up to €3,200 for the Premium plan.
• Civil liability: Up to €80,000 for the Totaltravel plan, up to €100,000 for the Premium plan.

Plans and prices:

• TotalTravel Mini: €33.31 for 7 days
• TotalTravel: €41.74 for 7 days
• TotalTravel Premium: €65.78 for 7 days

Which is the best travel insurance for Australia?

As you can see, it’s hard to choose. It depends on the money you are willing to pay, the type of holiday you are planning and the cover you want to take out. While each insurer offers interesting options, after careful consideration of the alternatives, IATI Star stands out as the best travel insurance for Australia. Why?

Above all because of its coverage, which combines high-quality medical protection, specialised assistance and essential benefits. IATI Star offers a policy that covers up to $5,436,700 US in medical expenses. This insurance guarantees that, in the event of illness or accident, you will have quick access to medical care without worrying about the cost of the services. This is important, given the high fees charged in Australian healthcare. In addition, if you plan to do adventure activities, IATI Star covers diving up to 20 metres deep, great trekking up to 3,000 metres altitude and many other sports.

With this review of the best travel insurance coverages for Australia, you’re one step closer to enjoying a worry-free trip. If you need more information to prepare for your adventure, you can take a look at our guides on how to stay connected in Australia or the Australian dollar.

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