Nobody wants to think about what can go wrong whilst travelling around Australia and picture the worst case scenarios. A car crash, snake bites or surf accidents… But you could also just get a bad cold and need to see a doctor. So even if it’s not the most entertaining part of preparing your travels it is important to read about travel insurances in Australia…
Health care system in Australia
Australia has signed special agreements with the United Kingdom,the Republic of Ireland, New Zealand, Sweden, the Netherlands, Finland, Italy, Belgium, Norway, Slovenia, Malta. Visitors from those countries are entitled to some subsidised health services for essential medical treatment while visiting Australia. The length of cover depends on your country of origin, for example, if you are a resident of the United Kingdom, Ireland, Sweden, Finland or Norway, you are covered for the entire length of your stay in Australia.
See the list of countries with a Reciprocal Health Care Agreement.
Medicare: What is covered?
As a resident of the United Kingdom, Sweden, the Netherlands, Finland, Belgium, Norway, Slovenia, Malta and Italy, you are entitled to the following health or injury treatments while you are in the country:
– Free treatment as a public in-patient or out-patient in a public hospital
– Subsidised medicine under the pharmaceutical Benefits Scheme (PBS)
– Medicare benefits for out-of-hospital treatment provided by a doctor
Irish visitors are entitled to:
Services as a public patient in a public hospital (including outpatient services) for medically necessary treatment medicines available on prescription which are subsidised under the Pharmaceutical Benefits Scheme (PBS), at the general rate.
Medicare: What is NOT covered?
– Dental examinations and treatment
– Physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology
– Acupuncture (unless part of a doctor’s consultation)
– Glasses and contact lenses
– Hearing aids and other appliances
– The cost of prostheses
– Medicine not subsidised under the PBS
– Treatment arranged before you arrived
– Accommodation and medical treatment as a private patient in a public hospital
– Ambulance services
– Accommodation and medical treatment in a private hospital
– Medical costs for which someone else is responsible (for example a compensation insurer, an employer, a government or government authority)
– Medical services which are not clinically necessary
– Surgery for cosmetic reasons
– Examinations for life insurance, superannuation etc
– Home nursing.
Do I need a travel insurance in Australia?
You should think about getting a travel insurance for Australia to cover the services not included in the Medicare insurance that are important for you and in case something goes wrong. It is also important when you want to travel overseas before or after your Work & Travel adventure in Australia.
If you are not a member of the United Kingdom, Ireland, New Zealand, Sweden, the Netherlands, Finland, Belgium, Norway, Slovenia, Malta or Italy you should check if your insurance plans cover international travel – sometimes it also depends on the length of your stay. If not, it is highly recommended to get a travel insurance – e.g. the travel insurance from World Nomads.
If you are a member of United Kingdom, you are eligible for Medicare, however, you aren’t covered at work for example, or when you need repatriation back to the UK if necessary. That’s why you need to consider getting a travel insurance – e.g. Go Walkabout travel insurance – Get 5% discount with the code ABG5.
Which travel insurance in Australia?
There are quite a few travel insurances that you can choose from. One of the most popular travel insurances for backpackers coming to Australia on their Working Holiday Visa is World Nomads. World Nomads provides travel insurance for travellers from over 150 countries. We like their travel insurance because it aims at travellers’ needs.
Here you find 5 reasons why the travel insurance from World Nomads is a good choice:
– Flexibility: In a backpacker’s life plans change quite often. You want to extend your stay in Australia or you want to go somewhere else for a couple of weeks. You can buy the travel insurance from World Nomads online, even if you are already overseas and you can extend it when your plans change. You can also resume your trip if it is interrupted.
– Availability: Don’t worry about the time difference. You can call them whenever you like because they have a 24/7 emergency phone assistance.
– Adventure activities: The travel insurance from World Nomads covers a wide range of adventure activities like Scuba Diving or Mountain Biking. The good thing is: You only pay for the adventure activities that you really do. So you don’t pay too much.
– Digital Gears: Backpackers love to take pictures on their adventures in Australia. The travel insurance from World Nomads can even cover your digital gears like cameras or Laptops.
– Destinations: The travel insurance of World Nomads cover all countries in the world. So before or after your Working Holiday Adventure in Australia, you can easily have a stop over for a few days or even a few months in other countries like Indonesia or New Zealand while being covered.
If you want to know more about World Nomads, go to : World Nomads Travel Insurance – Review
Go Walkabout – Recommended for UK citizens
– Flexibility: Go Walkabout travel insurance is very flexible, so if you need to extend the duration of your cover or add on an Activity or Work Pack, just send an email to the customer service and someone will then reply with a quote and a link to pay the additional amount – quick and easy!
– Availability: The Emergency Assistance line is manned 24 hours a day, 7 days a week by medical professionals, who can offer advice about the best places to receive medical care, as well as liaise directly with medical facilities to pay your medical costs, if this is appropriate.
– Activities: 99 sports, activities and leisure pursuits are covered as standard (without extra cost) , but you can also cover a multitude of other activities with the addition of further activity packs.
– Covered at work: Go walkabout policies have been specifically designed to cover a large range of jobs you might be doing whilst away from the UK.
– Covered when you are back in UK: You are allowed up to 2 return visits back to the UK (of up to 21 days duration each time) during the policy duration.
– Personal Belongings: Go Walkabout covers baggage loss, personal belongings, travel documents, etc. It offers a large panel of policies allowing you to travel safely.
– Trip cancellation: You travel ticket can be reimbursed under certain conditions.
How much does a travel insurance cost?
Go Walkabout – Get 5% off
Prices depend on different factors, such as your age, time of your trip, visited countries etc. But you can get a quick quote by clicking on the link below:
Get 5% off your Travel Insurance with the promo code ABG5.
Prices depend on different factors like country of residence, age, duration of your travel and countries you are going to visit. Feel free to check out the prices in the box below. SAFE TRAVELS!
Make sure to read the policy details to ensure that it’s right for you.