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Aerial view of Sydney Harbour showing the Opera House, ferries, and city skyline on a sunny day

Travel Insurance for Germany, Fully Covered with LUMA

LUMA travel insurance keeps you covered through coastal road trips, Great Barrier Reef excursions, Outback journeys, and long domestic travel routes.
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  • Trusted by 100,000+ travelers

  • A decade of travel cover

  • Backed by medical guidance

  • Instant online purchase

Is My Baggage, Health, Trip Covered?

  • damage, loss
  • sudden sickness, hospital expense
  • delays, cancellations

Yes!

  • On-the-ground teams and global partners ensure care is always nearby.

    Hands

  • 24/7 English-speaking assistance with coverage curated for Australia.

    Calling

  • Practical support backed by decade-long experience and deep-rooted hospital networks.

    Shield

  • Direct access to our in-house medical team (Medipro) for real medical advice.

    Stethoscope
Australia calling? We go above and beyond to make sure your trip stays golden.
  • Sydney Harbour Bridge and city skyline framed through a wharf archway
    Historic sandstone clock tower building against a blue sky, Sydney, Australia
    Aerial view of Sea Cliff Bridge winding along a coastal cliff with the ocean and rocky shoreline in New South Wales, Australia

    01 Heatstroke on a long day in the Outback or at Uluru?

    Australia's UV index is among the highest in the world, and the Outback heat in summer is genuinely extreme. A full day at Uluru or on a long drive through the Red Centre without enough water can quickly tip into heat exhaustion or heatstroke, especially for visitors not used to the conditions. If you need emergency care, LUMA covers the eligible medical costs, and Medipro can help you decide whether your symptoms need a doctor before it becomes more serious.

  • Tall ship illuminated at night with the Sydney Opera House in the background
    Flinders Street Station's historic facade with city skyscrapers behind, Melbourne, Australia
    Aerial view of Whitehaven Beach's swirling turquoise water and white sand in the Whitsunday Islands, Australia

    02 Snake or spider bite in the bush or campsite?

    Snake or spider bite in the bush or campsite?

  • Sydney Harbour Bridge silhouetted against a pink sunset sky over the water
    Modern skyscrapers and waterfront buildings in Barangaroo, Sydney
    Aerial view of limestone sea stacks and cliffs along the Great Ocean Road coastline, Victoria, Australia

    03 Serious injury in a remote area far from a hospital?

    The distances in Australia are genuinely vast. A road accident in Western Australia, an injury on a Kimberley hike, or an emergency on the Great Ocean Road can leave you hours from proper care. If local facilities aren't equipped, LUMA helps arrange medical evacuation to a better-equipped hospital. All LUMA plans include evacuation cover when it's medically necessary, which matters more in Australia's remote regions than almost anywhere.

  • Narrow laneway with hanging lanterns and outdoor cafe umbrellas in The Rocks, Sydney
    Two koalas resting in a eucalyptus tree, Australia
    Aerial view of a rocky ocean headland with waves crashing near a coastal town, New South Wales, Australia

    04 Ambulance called during your Australia trip?

    Ambulance services are not free for tourists in Australia, and in most states the full cost falls on the patient. A single ambulance callout can run into hundreds or thousands of Australian dollars before you've even reached the hospital. LUMA covers the eligible medical expenses under your plan, which includes emergency transport costs where applicable, so an ambulance callout doesn't become the first bill in a much longer one.

  • Sydney city skyline illuminated at night, viewed from the harbour promenade
    Entrance to Luna Park amusement park with Ferris wheel, Sydney, Australia
    Sydney Opera House at golden hour viewed from the harbour with ferries passing by

    05 Australia trip cancelled before you fly?

    A trip to Australia is a significant commitment, long-haul flights, hotels across Sydney, the Great Barrier Reef, and the Outback, none of it cheap or easily refunded. If a serious illness, an injury, or a family emergency stops you from traveling, recovering that money on your own is rarely simple. LUMA plans with trip cancellation cover reimburse eligible prepaid expenses for covered reasons like these, subject to your policy terms.

A-frame cabin nestled in green rainforest foliage, Australia
City street lined with skyscrapers and tram tracks in an Australian CBD
Rocky coastal headland with turquoise ocean and clear blue sky, Australia
Rocky coastal headland with turquoise ocean and clear blue sky, Australia
Gold Coast skyline and beach at sunset, Queensland, Australia
Sydney Harbour Bridge viewed from a wooden pier with historic sandstone building
Uluru rock formation glowing red at sunset in the Australian outback
Coastal boardwalk beside turquoise ocean water on a sunny day, Australia
Red desert hills and native scrubland in the Australian outback, possibly the Pilbara or Kimberley region
Close-up view of the Twelve Apostles rock formations with crashing waves, Victoria, Australia
Sydney Harbour Bridge and city skyline framed through a wharf archway
Historic sandstone clock tower building against a blue sky, Sydney, Australia
Tall ship illuminated at night with the Sydney Opera House in the background
Flinders Street Station's historic facade with city skyscrapers behind, Melbourne, Australia
Sydney Harbour Bridge silhouetted against a pink sunset sky over the water
Modern skyscrapers and waterfront buildings in Barangaroo, Sydney
Narrow laneway with hanging lanterns and outdoor cafe umbrellas in The Rocks, Sydney
Two koalas resting in a eucalyptus tree, Australia
Sydney city skyline illuminated at night, viewed from the harbour promenade
Entrance to Luna Park amusement park with Ferris wheel, Sydney, Australia

Your Australia Travel Insurance Questions, Answered

Elevated view of Four Mile Beach with palm trees, turquoise water, and mountains, Port Douglas, Queensland, Australia

The risks are real but manageable with basic awareness. Funnel-web and redback spiders, eastern brown snakes, box jellyfish in northern Queensland waters, saltwater crocodiles in the Northern Territory, and blue-ringed octopus in rock pools are all genuinely venomous. Most encounters happen when people disturb wildlife unintentionally, shake out shoes and check sleeping bags when camping, don't swim in northern waters without checking for stinger warnings, and keep your distance from animals in national parks. If a bite or sting happens, get to a hospital immediately. Australia's emergency services are excellent, and LUMA covers the eligible treatment costs under your plan.

Yes, more so than most people expect. As confirmed by Australia's own official health guidance, the UV index here is extremely high, and heatstroke and severe sunburn can happen fast, especially in the Outback, Queensland, and the Northern Territory in summer. Wear SPF50+ sunscreen, a hat, and drink more water than you think you need. If heat exhaustion or heatstroke needs medical attention, LUMA covers the eligible medical expenses under your plan, and Medipro can help you decide whether your symptoms need a doctor.

Yes. As confirmed by Australia's official private health guidance, most visitors are not eligible for Medicare, and even in a public hospital can be charged more than AUD $1,000 a day in hospital fees alone. Ambulance costs are also not free for tourists in most states. LUMA covers eligible medical and treatment costs under your plan, including emergency transport where applicable, so an unexpected hospital visit doesn't mean an unmanageable bill.

Yes, when it's medically necessary. Australia is vast, and a serious injury or illness in the Outback, the Kimberley, or on a remote coastal route can mean you're hours from a properly equipped hospital. If local facilities can't provide the care you need, LUMA helps arrange medical evacuation to a better-equipped hospital. Every LUMA plan includes evacuation cover when it's medically necessary, which is one of the most important reasons to insure a trip that takes you beyond the main cities.

Yes. Australia requires a visa for all non-citizens before travel. As confirmed by Australia's Department of Home Affairs, eligible passport holders may be able to apply for an ETA or eVisitor online before arrival, while Indian passport holders typically need to apply for a Visitor visa (subclass 600). Visa fees and processing times vary by visa type and nationality, so check the exact requirements for your passport on the official Home Affairs website before booking. Make sure your passport has sufficient validity for your intended stay and check whether any additional conditions apply to your visa type.

Yes. Australia's bushfire season runs roughly from October through March in the south and east, while the northern wet season from November to April brings cyclones that can affect Queensland, the Northern Territory, and Western Australia. Both can close roads, ground flights, and force evacuations of tourist areas with limited notice. Monitor state emergency apps like NSW RFS and Emergency VIC before heading into affected regions. If a covered flight delay meets your policy's minimum delay period, LUMA's flight delay cover can help with reasonable expenses. Bushfire and cyclone disruption to roads or planned activities isn't automatically claimable, so check your plan wording.

Go places, we’ve got you covered.

  • Aerial view of a sandy beach meeting rocky, tree-covered coastline, Sydney, Australia
  • Sydney Opera House and Harbour Bridge with city skyline and ferries on the water
  • Aerial view of Sydney Harbour showing the Opera House, Harbour Bridge, and CBD skyline

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