8 Best Travel Insurance for Australia from India in 2024

Australia is the only country that has a continent. Many tourists visit Australia every year to witness its natural wonders. Tourists must purchase travel insurance while travelling to Australia from India or anywhere. Travel insurance works as an umbrella against unforeseen events. 

Keep in mind regular health insurance and travel insurance are not the same. A travel insurance policy provides coverage for different types of emergencies. Travel insurance covers medical and non-medical emergencies. 

Travel insurance providers offer numerous policies that suit the unique travel needs of a traveller. You can find Different Types of Travel Insurance plans for Australia. The best providers from India are:

1. TATA AIG 
2. GoDigit
3. ICICI Lombard
4. HDFC ERGO
5. Royal Sundaram
6. Reliance General
7. Bajaj Allianz
8. Bupa

Read Best Visitors Travel Insurance for Canada from India

TATA AIG Travel Insurance for Australia

What’s Included?

Medical Coverage	Non-Medical Coverage
Medical help up to $ 5 lacs	Local assistance
Reimbursement for transportation to a hospital	Trip cancellation
Reimbursement for emergency treatment	Cover for loss of baggage
Reimbursement for emergency medical supplies	Cover for the delay in baggage
	Reimbursement for new or duplicate passport
	Reimbursement for flight delay
	Policy extension for 7 days automatically
	Reimbursement for bounced hotel booking
	Reimbursement for bounced flight bookings

Premium Amount

A premium of ₹1058(approx) (including GST 18%) on an insured amount of $100,000. 

GoDigit Travel Insurance

What’s Included?

Basic Option

Medical Coverage	Non-Medical Coverage
Cover for accidental treatment	Daily allowance of cash
Cover for emergency evacuation	Passport loss
Emergency medical treatment	Checked-In baggage loss
Personal accident	Checked-In baggage delay
Accidental death
Accidental disability

Comfort Option

Medical Coverage	Non-Medical Coverage
Cover for accidental treatment	Daily allowance of cash
Cover for emergency evacuation	Cancellation of trip
Emergency medical treatment	Delay in common carrier
Personal accident	Checked-In baggage loss
Accidental death	Missed connection
Accidental disability	Passport loss
Cover for emergency dental treatment	Emergency cash
	Emergency extension of the trip
	Abandonment of trip
	Bail bond
	Personal liability
	Checked-In baggage delay

Premium Amount

₹434(approx) (including 18% GST) must be paid as a premium on a policy of $100,000 by the traveller. 

ICICI Lombard Travel Insurance for Australia

What’s Included?

Medical Coverage	Non-Medical Coverage
Cashless hospitalization	Emergency extension of the hotel
No medical test (up to 85 years)	Emergency advancement of cash
Daily hospitalization allowance	Loss of Checked-In baggage
	Reimbursement for cancellation of a trip
	Reimbursement for trip interruption

What’s Not Included?

Expenses for treatment of pre-existing diseases.

Premium Amount

The traveller will pay a premium of ₹898(approx) for $100,000. 

HDFC ERGO Travel Insurance

What’s Included?

Medical Coverage	Non-Medical Coverage
Medical emergency expenses	Personal liability
Emergency dental expense	Hijack allowance
Medical evacuation	Emergency monetary assistance
Cash for daily hospital allowance	Delay in flight
Medical repatriation	Hotel accommodation
Body repatriation	Baggage loss
Permanent disability	Personal document loss
Accidental death	Checked-In baggage loss
	Delay in Checked-In baggage

What’s Not Included?

1. Intoxicant substance consumption
2. Breach of law
3. Treatment for a pre-existing illness
4. Obesity treatment
5. Cosmetic treatment
6. Treatment for self-caused injuries

Premium Amount

A traveller needs to pay ₹1075(approx) (including GST ₹164) on an insurance amount of $100,000.

Royal Sundaram Travel Insurance

What’s Included?

Medical Coverage	Non-Medical Coverage
Body repatriation	Passport loss
Cover for personal accident	Hijack compensation
Cover for medical emergency	Trip delays
Dental treatment	Personal liability
Accidental dismemberment	Checked-In baggage loss
	Checked-In baggage delay

What’s Not Included?

1. Cover for pre-existing medical illness
2. Claim arising from any act of terrorism
3. Claim arising from self-injury
4. Claim arising from suicide

Premium Amount

The traveller must pay a premium amount of ₹1479.72(approx) for $100,000. 

Reliance General Insurance Travel Insurance

What’s Included?

Medical Coverage	Non-Medical Coverage
Treatment of teeth	The expense for a new or duplicate passport
Permanent disability-related compensation	Return ticket for a family member (if insured is hospitalized for more than 7 days)
Emergency medical expense	Missing connecting flights
Accidental injury during the trip	Emergency cash facility
Medical evacuation	Compensation to a third party
Repatriation of remains	Cancellation or interruption in trip
	Delay in trip
	Compensation for Burglary in the home
	Hijack allowance
	loss of Checked-in baggage

What’s Not Included?

1. The expense for life-threatening conditions (arising from pre-existing illness)
2. A cost incurred for suicide, self-injury, mental disorder, depression, anxiety, stress, venereal diseases, etc
3. Expenses if the insured is travelling against the advice of a doctor
4. Expenses incurred if the insured is travelling for medical treatment.
5. Loss of passport due to carelessness

Premium Amount

₹498(approx) is the premium amount that a traveller needs to pay on an insured amount of $100,000. 

Bajaj Allianz Travel Insurance

What’s Included?

Medical Coverage	Non-Medical Coverage
Medical expense	Checked-In baggage loss
Medical Evacuation	Checked-In baggage delay
Repatriation of remains	Passport loss
Emergency dental treatment	Personal liability
Personal accident	Hijack cover
	Delay in trip
	A cash advance for emergency

What’s Not Included?

1. Pre-existing diseases
2. Regular health checkups (no indication of adverse health conditions)
3. Medical expenses after the policy has expired.
4. Self-inflicted injury or suicide expense
5. Expenses for physical disorders like anxiety, stress, etc
6. Treatment related to alcohol, venereal diseases, etc
7. The expense of treatment methods that are not clinically recognized
8. Medicine required for treatment (other than allopathy)
9. Cost of purchasing spectacles, hearing aid, etc
10. Medical expenses for pregnancy or childbirth
11. Baggage delay (while coming back to India)

Premium Amount

₹725(approx) (including ₹111 GST) is the premium amount for a traveller on an insured amount of $50,000.

Bupa. com Travel Insurance for Australia from India

What’s Included?

Medical Coverage	Non-Medical Coverage
Medical care for oversees	Loss of belongings
Emergency medical treatment	24/7 emergency assistance
Emergency dental treatment	Travel disruptions
	Delay in travel
	Travel cancellations
	Accident of rental vehicles

Premium Amount

A traveller needs to pay $64(approx) as a premium amount while travelling to Australia. 

Travel Insurance Claim Process for Australia 

The travel insurance for Australia helps travellers face any unforeseen events during their trip. The traveller must follow the following steps to claim travel insurance for Australia from India.

• The first step will be to inform the insurance company immediately. 
• Insurance providers attach a claim form of policy documents. It must be duly read, filled, and returned to the insurance providers. They might also email the form to the insured.
• Insurance companies need all the essential documents while processing a claim. Thus, the traveller must keep all necessary documents with him while he is travelling. 
• In the case of Burglary, the insurance company needs a copy of the FIR to authenticate the claim. Thus, the police must be contacted as soon as a mishap happens.

Cost of Travel Insurance for students travelling to Australia

Students must avail of travel insurance to pursue higher education in Australia. As per HDFC ERGO, ₹1154(approx) (including GST ₹176), the student must pay a premium on a policy of $100,000. 

Australia Visa Procedure

Obtaining a visa is of utmost importance while travelling to Australia. The documents to be submitted while applying for a visa are:

• A valid passport
• Photographs (2 copies)
• Travel Itinerary
• Employment details
• Financial details
• Proof of employment
• Statement of a bank (last six months)
• IT returns (3 previous consecutive years)

The traveller will be asked to undergo a medical examination for the visa. A tourist might be asked to furnish details of assets owned by them. 

After verifying documents and medical tests, the visa is issued in 15 working days, costing around ₹7400 (approx).

Australian tourist Visa requirements from India

1. ₹8306(approx) per person is the fee for an Australian visa from India. 
2. 10 to 15 days are required to process the visa.
3. The agents can charge an additional fee for processing visas at ₹2000(approx)+15% GST.
4. Photocopies of all pages of a notarised passport with a validity of 6 months are needed.
5. A visa application form must be duly filled and signed.
6. Two recent photos of size 35 x 45 mm are required.
7. A copy of the Aadhar card or PAN card is mandatory.
8. A copy of IT for three consecutive years, bank statements for the last six months and salary slips for the previous three months must be submitted.
9. An original letter of leave from the employer on the company’s letterhead and an authorized signature are needed. 
10. The registration certificate must be submitted if the traveller is self-employed. 
11. Proof of retirement must be submitted if the visitor is retired.
12.  A copy of NOC from college or university must be provided if the applicant is a student. 
13. Proof of hotel accommodation, travel itinerary, return flight tickets, and other financial documents must be provided.
14. A notarized NOC from any non-accompanying parent is mandatory for a child below 18 years. The NOC must be attached to the passport of the child. 
15. When a child travels or stays with a non-relative, submission of complete details about that person is mandatory. 

Best Time to Visit Australia

You can visit many beautiful places in Australia in different time zones. The best time to visit Australia depends on your budget, ideal climate, preferences and interests. However, many tourists visit Australia in March-May and September-November. The weather during these months is mild and perfect for strolling around the beaches.

Places to Visit in Australia

• Sydney Opera House (New South Wales)
• The Great Barrier Reef (Queensland)
• Uluru-Kata Tjuta National Park (Northern Territory)
• Sydney Harbor Bridge (New South Wales)
• Blue Mountain National Park (New South Wales)
• Melbourne’s Culture (Victoria)
• Bondi Beach (New South Wales)
• Daintree National Park (Queensland)
• Fraser Island (Queensland)
• Kakadu National Park (Northern Territory)

5 Best Things To Do in Australia

1. You can surf on the Gold Coast. It’s a metropolitan region famous for its sandy, long beaches, canals, waterways, and surfing spots. 
2. Travellers can enjoy the authentic local culture in Brisbane. Brisbane, a large city and Queensland’s capital, is on the River Brisbane.
3. You can enjoy a laid-back day in the countryside in Canberra. Farmland, natural reserves, and forests surround the place. 
4. The Modern Federation Square, along with bars, restaurants, and plazas, are at the centre of Melbourne. Travellers can go on a shopping spree in Melbourne.
5. Travellers can visit the Sydney Opera House and enjoy the architectural work of the 20th century. 

Embassies of India in Australia

The three Indian Embassies in Australia are:

• Consulate General of India embassy at 265, Level 1, Castlereagh Street Sydney, NSW 2000 Australia. Ph number- +61-2-9223-2702
• Consulate General of India at 344, St. Kilda Road, Melbourne, Australia, VIC 3000. Ph number- +61-3-96827836/96825800
• Consulate General of India at 12 St. Georges Terrace, Level 6, Perth, WA 6000. Ph number- +61-8-92214205

Read IRCTC travel insurance policy

So, which Travel Insurance for Australia from India do you like the most? Tell me in the comments.