Heading off for a backpacking trip around Australia and wondering whether you need travel insurance?
So if I am from a country with a reciprocal health policy will I still need travel insurance?
The simple answer to that question is a resounding yes.
Australia does have a reciprocal deal with the UK to provide some healthcare for visitors to Australia but this is actually quite limited. For instance if you require an ambulance in Australia then this is not actually covered.
We have done some research and found that Ambulance rides can cost many 1000s of dollars for visitors. Even some Australians are not covered when they go to other states. It seems only people from Queensland are covered Australia wide. There are many others things that are not covered either (see bottom of article).
Please check out our Australia backpacker travel insurance options that are listed below…
Worldnomads backpacker insurance is an extremely popular backpacker travel insurance company that offers great features that can be bought from anywhere in the world!
Some of their features include the following:
– Ability to buy cover while you are travelling!
– Cover many different nationalties
Quotes from £21.00 / $49.00
> Visit WORLD NOMADS and get a quote today
Aviva travel insurance has a number of different options for backpackers and long term travellers. Some of the features include:
Emergency medical treatment
Emergency dental pain relief
Repatriation (emergency flight costs)
Quotes from £45.00
> Visit AVIVA TRAVEL INSURANCE and get a quote today
Alpha Travel Insurance has been specifically designed to be simple and straightforward with a number of specialist backpacker policies which start from just 24p per day!
Quotes from £32.00
> Visit ALPHA TRAVEL INSURANCE and get a quote today
Get going offer their customers quick and affordable travel insurance for medical conditions, with the option to choose from a number of cover levels and policies.
Quotes from £29.00
> Visit GET GOING TRAVEL INSURANCE and get a quote today
Columbus is a well established provider of UK travel insurance to backpackers and long term travellers alike. They are also useful for the active traveller as they cover over 150 sports and adventure activities.
Quotes from £8.00
> Visit COLUMBUS TRAVEL INSURANCE and get a quote today
Explorer have specialist cover for backpackers from the UK heading to such destinations as Europe, Southeast Asia, Australia and New Zealand. North America can be added too.
Quotes from £12.00
> Visit EXPLORER TRAVEL INSURANCE and get a quote today
Finally here is a list of things that are not covered by any reciprocal agreement in Australia…
Both Medicare and any reciprocal health agreement will not cover the following:
Ambulance services (ambulance is expensive in Australia and it is recommended that you either have specific ambulance insurance cover or travel insurance that covers ambulance service)
Any treatment organised prior to visiting Australia
Any treatment as a private patient in a public hospital or as a patient in a private hospital
Cosmetic surgery; this may be covered in some instances (for instance if your face has been mauled by a crocodile), but not for purely cosmetic reasons
Glasses, contact lenses and hearing aids
Medicine that is not subsidised under the PBS
Treatments such as acupuncture, chiropractic services, occupational therapy, podiatry, psychology, physiotherapy or speech therapy
and anything where someone else is responsible for payment (for instance if your employer or insurance company is obliged to pay for treatment)