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.

Updated on 15.05.2025