Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

Different types of travel insurance

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance. Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance. Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance. Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance. Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance. Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance. A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance. Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

Do you need travel insurance for Australia?

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

Which credit cards offer Australia travel insurance?

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.