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Which Travel Insurance to come to Australia?

Whether you are going to travel all over the world, embark on a Working Holiday adventure or take a short trip to Australia, you will have to consider travel insurance. Just do a quick google search and you will notice there are thousands of companies offering all kinds of cover. So many options can make choosing one that fits your needs a real hassle. We compiled a list to help you out (this is not an exhaustive list)!

SafetyWing – Nomad-Focused, Flexible Coverage

  • Who It’s For: Digital nomads, long-term travellers, remote workers; buy anytime—even after departure.
  • Plans:
    • Essential: Basic medical & travel cover, emergency evacuation, baggage and trip interruption.
    • Complete: Adds higher medical limits, dental, political evacuation, terrorism, AD&D, and higher baggage limits.
  • Key Cover:
    • Emergency Medical: Up to USD 250 000 (Essential) / unlimited in some regions (Complete)
    • Evacuation & Repatriation: Up to USD 100 000–250 000
  • Lost Checked Luggage: USD 3 000 per period; USD 500 per item
  • Adventure Add-Ons: Purchase riders for scuba diving beyond 18 m, skydiving, snow sports.
  • Why Choose It: Month-to-month subscription, pause/resume mid-trip, global support network of nomads.

Go Walkabout – UK Working Holiday Specialists

Who It’s For: UK residents on Working Holiday, Gap Year or backpacking trips up to 2 years.

Policy Types:

  • Walkabout / Walkabout Plus: Standard long-stay/backpacker cover (up to 18 m–2 y).
  • Working Holiday: Allows paid or voluntary work (bar, café, retail, farm, manual labour with correct “Work Pack”)

Key Cover:

  • Emergency Medical: Up to GBP 10 M (including repatriation)
  • Trip Cancellation: Up to GBP 2 500
  • Baggage & Documents: GBP 1 000; GBP 300/item; passport/driving licence replacement
  • Loss of Money: Up to GBP 500

Add-Ons: Winter sports, cruises, gadget cover, manual-labour extension (Levels 2–4).

Why Choose It: Expert, personalised service (same-day quotes), flexible work packs, clear UK-based support.

World Nomads – Flexible, Adventure-Friendly

  • Highlights: Extend policies on the road, covers a wide range of adventure sports up to a set limit.
  • Medical Cover: AUD 200,000+ for emergency treatment and evacuation.
  • Trip Cancellation & Curtailment: Reimburses non-refundable costs if you fall ill or face severe weather.
  • Adventure Activities: Includes surfing, bushwalking, and snorkelling; purchase an “Explorer” add-on for scuba diving, skydiving, etc.
  • Why It’s Great: Ideal for flexible itineraries and spontaneous extensions.

World Nomads provides travel insurance for travellers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

True Traveller – UK & EU Adventure Specialist

Who It’s For: Backpackers, gap-year students, long-stay holiday-makers based in the UK/EU.

Plans (Single & Annual Multi-Trip):

  1. True Value (budget backpacker; under 40)
  2. Traveller (most popular; broader age range)
  3. Traveller Plus (enhanced medical & cancellation limits)

Key Cover:

  • Medical & Evacuation: Up to GBP 2.5 M–10 M depending on plan; excess GBP 35–125
  • Cancellation/Curtailment: GBP 1 000–7 500
  • Personal Liability: GBP 1 M–2 M
  • Baggage & Valuables: GBP 1 000–2 500, with single-item and valuables sub-limits

Adventure & Extension: Covers 90+ activities as standard; extend online mid-trip if you decide to stay longer

Why Choose It: Highly flexible, 24/7 claims support, great reviews (5/5 on Reviews.io).

Chapka Assurances – French WHV Leader

  • Who It’s For: European (EEA/French-territory) PVT/Working Holiday visa-holders aged 18–31/35 (up to 24 months).
  • Cap Working Holiday Plan:
    • Unlimited Medical: No cap on emergency medical & hospitalisation
    • Repatriation & Evacuation: Up to EUR 4 000 000 cover for costs & liabilities
    • Accidental Death/Disability: EUR 10 000–50 000 depending on severity
    • Baggage & Personal Effects: EUR 1 000–2 500; single-item and values limits
    • Personal Liability: EUR 4 000 000 in case you injure someone or damage property
    • Trip Cancellation: Up to EUR 2 000 for non-refundable costs
  • COVID-19 Cover: Medical and quarantine expenses included.
  • Why Choose It: Tailored to European travellers, partnership discounts (e.g. 5% via our link).

Disclaimer: We receive a fee when you get a quote using these links. We do not represent the insurance companies. This is not a recommendation to buy travel insurance.

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