Travel Insurance for Worry-Free Australia Visits
Australia’s health insurance system provides basic medical care and emergency hospital treatment for those who belong to the national health insurance system called Medicare. Travelers get similar treatment if from one of the 11 countries with Reciprocal Healthcare agreements with Australia, which include New Zealand, the Republic of Ireland and Finland.
The basic system is subsidized costs; members pay a fee but receive reimbursement for much of the costs of consultation, hospital care and prescriptions. However, for nationals and other visitors from these and any other country, international travel insurance is one of the best investments overseas travelers can make.
Peace of Mind
Accidents, illness and injuries can occur at home or abroad. Insurance provides some peace of mind that if some unfortunate occurrence arises, one can easily arrange medical care. Australia provides coverage for foreign nationals under agreements with eleven countries, but the United States is not one of them. Private U.S. health carriers provide coverage, but there may be complicated procedures for using them. Peace of mind comes with knowing that coverage is in place for the places that one will travel in Australia and elsewhere.
Preparing for the Unexpected
World news and events remind us that unexpected events occur. Insurance coverage is broad and customizable. Australia is an advanced nation with generous provisions for reciprocal care for foreign nationals covered by agreements. For other nationals, they must provide insurance or accept the care that comes under emergency conditions. For visitors who can afford the costs, travel insurance is a step everyone should take; it is prudent and practical, like taking some extra cash as traveler’s checks.
Travelers Must Confirm Coverage
While it is low-cost and quite well regarded, health insurance is not free in Australia. Visitors are likely not covered unless by agreement between Australia and their home countries. If covered, users get rebates for much of the costs of medical care. Healthcare is widely available for emergency and other consultations, and a well-designed or customized travel insurance policy would provide significant benefits and the satisfaction of more worry-free travel.