- Travel Insurance
- Southern Cross Domestic Travel Insurance Review
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Southern Cross Domestic Travel Insurance Review: Pros And Cons
Updated: Oct 11, 2023, 11:18am
Southern Cross Travel Insurance is highly regarded by its customers, receiving a 4.7 star rating from nearly 3,000 customer reviews. It is well suited to elderly travellers with its high age limit of 119 years, but unfortunately does not allow for policyholders to add extra cover for winter or adventure sports.
- Very high ranking reviews via ProductReview
- High age limit
- Item limits can be increased
- Snow and adventure activities are not covered
- No option to add cruise cover
- No online discounts
Table of Contents
About southern cross travel insurance, what is and isn’t covered.
Southern Cross Travel Insurance was first established in New Zealand more than 40 years ago, coming across the ditch to Australia in 2009. Its domestic travel insurance policy was launched in 2020, and has received a ranking of 4.9 stars for its domestic travel insurance offering out of a small pool of nine reviews. It is possible that many domestic travellers instead review the main Southern Cross travel insurance entry within Product Review—rather than the specific domestic policy product—as the comprehensive international offering has more than 3,000 reviews and a ranking of 4.7 stars.
Southern Cross has won a range of industry awards over the years, often for its dedication to customer service. A key feature of Southern Cross Travel Insurance is that it underwrites all of its own policies, meaning Australians do not have to rely on a third-party to pay out claims.
In the following review, Forbes Advisor has analysed the Southern Cross Travel Insurance Domestic Policy available to all Australians and highlighted its relevant features. You can read more about this policy via the Southern Cross Domestic Travel Insurance policy document .
Featured Partners
Fast Cover Travel Insurance
On Fast Cover’s Secure Website
Medical cover
Unlimited, 24/7 Emergency Assistance
Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
Cover-More Travel Insurance
On Cover-more’s secure website
Unlimited, with a $2000 limit to dental
Yes, amount chosen by customer
Southern Cross Travel Insurance
Covid Cover
Maximum age limit
Lost luggage cover
Up to $15,000
The domestic policy offered by Southern Cross Travel Insurance is available to all Australians up to the age of 119 years old, making it the highest maximum age of any policy that Forbes Advisor reviewed.
The high age limit would make it a desirable policies for intergenerational families travelling together; especially since family emergencies are granted as a cancellation reason under the unlimited cancellation cover as long as the relative is not in an aged care facility or similar.
In addition to the unlimited cancellation cover , there is also cover up to $3,000 for delayed travel if it is in regard to a special event such as a wedding or concert. Meanwhile, accidental death is covered up to $25,000 and personal liability up to $2,500,000.
More details on lost luggage cover and valuables, medical cover and connecting flights are explained in more detail below.
Lost Luggage
Lost luggage is covered up to $15,000, including baggage delay during your journey of $1000 for each paying person.
Different item limits are set for certain belongings, including jewellery up to $2,5000 for all items, and personal electronics up to $10,000 for all items.
To increase item limits, policyholders can specify the items that they are taking on the trip which will allow for higher coverage with Southern Cross providing $5,000 each for most specified items.
Cash is not covered under any circumstances.
The Southern Cross Domestic Travel Insurance policy doesn’t cover medical expenses. Instead, Southern Cross urges its policyholders to contact Medicare or their private health insurance provider to understand how they are covered for medical treatment when travelling domestically. This is standard across domestic policies.
Despite not covering medical expenses, Southern Cross still asks its customers to submit any pre-existing medical conditions upon taking out a domestic policy. By doing so, if a trip needs to be cancelled or delayed due to a pre-existing condition, Southern Cross will cover the cancellation costs under the policy.
Does It Cover Me for Covid?
Despite there being no government-enforced travel restrictions due to Covid-19, nor any quarantine or isolation requirements, Southern Cross still offers some coverage should you contract the virus.
Southern Cross released a Supplementary Product Disclosure Statement (SPDS) effective from 16 March 2023, which explains that a policy will cover costs up to $5,000 if you are diagnosed with Covid-19 before you leave or during your journey and need to cancel, amend, or cut your trip short.
Southern Cross states it is important for policyholders to know that it will not cover all Covid-19 related events, and therefore the SPDS should be read carefully to understand what will and will not be covered in regards to COVID.
Missed Connections
Southern Cross does not specify if any cover is available for missed flight connections, however, there is cover for travel interruption. Travel interruption refers to an unexpected event that interrupts your journey for more than 12 hours, requiring you to rearrange your travel arrangements.
This travel interruption cover is up to the value of $30,000.
Are Sports and Activities Covered?
When it comes to adventure sports and activities, most are not covered nor does Southern Cross allow for its policyholders to add cover for such sports.
Some activities are covered under the policy, such as rock climbing and white water rafting, as long as you are taking part with a licensed instructor and following safety instructions.
Extreme sports, competitive sports where you can win money, professional sports and high-altitude sports are not covered under any circumstances.
There is also no cover for snow sports, nor the choice to add snow cover.
Does Southern Cross Cover Cruises?
Yes, Southern Cross does offer the option to add cruise cover for domestic trips, so long as you are not travelling to any international destinations.
Customer Service
As mentioned earlier, Southern Cross is highly regarded by its customers and has won a slate of industry awards for its customer service capabilities.
At the time of writing, Southern Cross Travel Insurance is operating on reduced hours: its current contact hours are 10am to 4pm, Monday to Friday AEST. For general enquiries, customers can contact Southern Cross Travel Insurance via phone or email.
In the event of an emergency, customers can contact the emergency contact team by phone, which is monitored 24/7.
Frequently Asked Questions (FAQs)
How do i make a claim with southern cross travel insurance.
You can submit a claim to Southern Cross Travel Insurance by entering your policy details online via the claims portal . You’ll be required to submit any relevant receipts, medical documents, bank account numbers and police reports if necessary.
If you do not wish to submit your claim online, you can also submit a claim via post by following the instructions online.
Who is Southern Cross Travel Insurance underwritten by?
All Southern Cross Travel Insurance policies are underwritten directly by Southern Cross, meaning no third-party is involved.
Does Southern Cross Travel Insurance cover rental car excess?
Yes, the domestic policy offered by Southern Cross Travel Insurance does cover rental car excess. If there is damage to a rental car, or if a rental car is stolen, Southern Cross will provide cover up to $6,000.
Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.
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Southern Cross Travel Insurance
Our verdict: generous benefit limits, no restrictive age limits and free cover for kids all make scti an attractive option..
In this guide
Get a quote from Southern Cross Travel Insurance
Summary of southern cross's international comprehensive policy, how does southern cross travel insurance cover covid-19, what policies does southern cross offer, here's a breakdown of southern cross travel insurance features, standard features, optional add-on, how to make a southern cross travel insurance claim, here's the bottom line about southern cross travel insurance, frequently asked questions.
Destinations
- Southern Cross Travel Insurance have won the 2023 Finder Award across a few categories.
- SCTI's cover limit of $25,000 for theft or damage to your luggage and personal items is one of the highest we've seen.
- SCTI has an age limit of 118 – a welcome option for senior travellers .
- Its personal liability cover of up to $1,000,000 could meet the needs of most, but competitors such as Fast Cover and Medibank offer 5 times as much.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Learn how we maintain accuracy on our site.
Table updated December 2023
We have a winner!
Southern Cross Travel Insurance won the 2023 comprehensive award because it goes further than the majority of insurers. It scored highly for COVID benefits, cancellation fees, luggage damage cover and more. It's also taken the top place for the seniors category.
Best Travel Insurance - Value finalist
In addition to being the comprehensive winner, SCTI is also our value runner-up. That's because it's one of the most competitively priced policies on the market. Only 2 policies (Fast Cover and Medibank) came out as cheaper when we gathered quotes for dozens of destinations.
Southern Cross Travel Insurance is one of only a few insurers we've found that offer some cover for COVID-related claims. 3 key benefits are as follows:
- Medical expenses if you are diagnosed while on your journey (overseas policies only).
- Pre-trip cancellation and amendment costs to change your travel arrangements if you or a relevant person are diagnosed prior to your travel.
- On-trip cancellation and amendment costs if you or a relevant person are diagnosed during your trip and it's interrupted or cut short.
There are some scenarios that are not covered and you should review the Southern Cross Travel Insurance product disclosure statement (PDS) before making a decision on whether this cover meets your needs. A major exclusion to be aware of is that you must be fully vaccinated to be covered for COVID-19 expenses.
Other COVID-19 exclusions include:
- Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4".
- Costs related to lockdowns or government restrictions.
- Costs related to any pause to quarantine-free travel.
- Repatriation to Australia.
If Southern Cross's COVID-19 cover isn't quite hitting the mark, we've compared all the providers that offer cover for COVID-19 here .
In total, Southern Cross offers 5 travel insurance policies. These are: Domestic, International Medical Only, International Comprehensive (Single Trip),International Comprehensive (Annual Multi-trip) and Working overseas. Here are some of the main insured events a policy can cover you for:
International Medical Only
International Comprehensive Single Trip
International Comprehensive Annual Multi-trip
Working Overseas
The insurance is issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance.
The cooling-off period is 14 days which means you can change your policy or cancel within this period, and Southern Cross will refund your premium in full. The excess is the amount you usually need to pay when you make a claim, but with Southern Cross, you can choose to remove your excess for a higher premium.
Here are some of the main policy benefits to help you find out if Southern Cross Travel Insurance can provide the right cover for you.
- Baggage and personal items
- Cancelling or changing your journey before you leave
- Cash, bank cards, travel documents and passports
- Changes to your journey once you have left
- Delayed journey to a special event
- Emergency dental treatment
- Medical and evacuation
- Personal accident
- Personal liability
- Rental vehicle excess
For more flexibility, Southern Cross Travel Insurance gives you the option to add extra cover to your policy. This can be done after you select your level of cover.
- Taking any valuables? If the value of any items you're taking exceeds the limits of your policy, you can opt for specified items cover .
- Going skiing or snowboarding? Get additional cover to be protected for gear damage or the medical expenses incurred if you injure yourself on the slopes . You'll need to wear a helmet or you might void your policy.
- Taking a cruise? If you're taking a cruise, select additional cover to protect yourself. You'll need to make sure you've included all the destinations your cruise is visiting on your policy.
- Riding a moped or motorbike? Get additional cover to protect yourself and your bike in case the unexpected happens . SCTI will only cover incidents involving bikes under 200cc.
Like all insurers, there are a few situations you won't be covered for under your travel insurance policy. Southern Cross Travel Insurance will not generally provide any cover in the following situations:
- If your claim arises due to a pre-existing condition that is not covered by your policy
- If your claim arises due to a sexually transmitted infection (excluding covered conditions relating to HIV)
- Pregnancy after the 24th week
- If your claim arises because of being under the influence of alcohol , solvents or any other illegal drug
- If your claim relates to most elective or cosmetic procedures
- If you participate in any professional or contact sport , motorsport, hunting, abseiling or paragliding
Other exclusions which could apply to a COVID-19 claim include:
- Medical evacuation because of COVID-19
- Travel to a destination that Smartraveller has rated a "Level 3" or "Level 4" due to COVID-19
- Costs related to lockdowns or government restrictions owing to COVID-19
Make sure you read Southern Cross Travel Insurance's PDS for a full list of situations that won't be covered.
Making a claim with Southern Cross Travel Insurance is easy and the whole process can be done online. Remember to keep any supporting documents such as receipts, medical notes or police reports to help your claim go through smoothly.
- Head to https://www.scti.com.au/claims/make-a-claim
- Enter your policy number, email, full name and date of birth to log in
- Complete your claim details by answering all sections
- Upload any supporting documents relevant to your claim
- Submit, then your claim should be processed within 10 business days
Southern Cross offers 4 straightforward policies with enough customisation and flexibility to suit most travellers. You'll find generous limits for theft or damage to your belongings, dependent children up to the age of 21 covered for free and the ability to extend your cover if you decide to stay overseas longer. All features that you don't find every day with other insurers.
Where Southern Cross Travel Insurance falls short is with certain exclusions in its policies. There is no cover for cruises that stay in Australian waters or pregnancy after 24 weeks. While Southern Cross does have COVID-19 cover, it comes with more restrictions than other insurers, including the need to be fully vaccinated.
If you're still not sure about Southern Cross, you can compare other travel insurance companies here .
Is there an age limit on its policies?
The age limit for Southern Cross Travel Insurance's policy is 118.
I have a pre-existing medical condition – is it covered by Southern Cross Travel Insurance?
SCTI's PDS does not list automatically included pre-existing conditions. It's best to declare everything at the time of policy purchase and fill out a medical assessment, so SCTI is aware of your medical conditions.
If your condition isn't automatically included, SCTI can use the medical assessment to consider your cover and any applicable premium costs.
Are kids free on this policy?
Yes, Southern Cross Travel Insurance covers kids for free but they must be "dependent children". This means they need to be under 21 years old at the start date of your policy. Children include your direct kids, can be stepchildren, foster children and even grandchildren.
Gary Ross Hunter
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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37 Responses
You may be covered for trip cancellations if you need to cancel due to sickness, so long as you took out cover before you became sick. It’s likely that you will need to provide evidence that you’re unfit to travel from a doctor.
I’d suggest contacting the insurer directly.
Thanks, Gary
i am considering the medical only international insurance cover but i have not been vaccinated against covid 19. can i still buy this policy
Thanks for your message. While I can’t see anything in Southern Cross’ Eligibility criteria that specifically mentions the need to be vaccinated against COVID, it’s best to reach out to the insurer directly to confirm this.
Yes you should still inform them of your pre-existing condition.
Kind regards, Gary
bought a policy no 13086815 . have recieved no email.
This is a Finder review page about Southern Cross Travel insurance. We are not directly affiliated with Southern Cross, so you’ll need to contact them directly about your policy.
Hope this helps!
Would like to know how much for a cover from 28 March 2023 to 31 March 2023 for a cruise from brisbane to whitsuncays and return.
im 75 and have mild asthma.
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Home > Travel Insurance > Southern Cross Travel Insurance Review
Southern Cross Travel Insurance Review
Learn more about Southern Cross' travel insurance policies to find out about their coverage and fees and compare them with other insurers today.
Fact checked
Southern Cross is a relatively new player in the travel insurance market, having begun offering products just over a decade ago. Since 2009, the Sydney company has provided cover for more than 50,000 travellers and paid out more than $1.3 million in claims.
If you’re trying to sniff out the best travel insurance deal on the market, it’s important to compare with Savvy. We’ll help you see how Southern Cross’ travel insurance policies measure up against other insurers on the market, taking into account factors such as claim limits and inclusions.
If you’re wanting to learn more about Southern Cross’ travel insurance policies and see how they compare, grab a quote and compare with us today.
*Please note that Savvy does not represent Southern Cross for its insurance products.
More about Southern Cross travel insurance
What travel insurance policies does southern cross offer.
Southern Cross gives you the following options when you’re looking to purchase travel insurance:
- International Comprehensive: this policy provides you with broad coverage ranging from unlimited medical and cancellation protection right through to the replacement or repair of your luggage and the excess on a rental car. This policy can also be tweaked to accommodate your whole family and afford you larger claim limits.
- International Medical-Only: if you’re a backpacker or a student travelling on a budget, or simply don’t need some of the fringe benefits of travel insurance, you can purchase a medical-only policy. Southern Cross’ policy protects you with unlimited coverage on medical treatment and $1 million in expenses if a court finds you legally liable due to an incident.
- Domestic: Southern Cross’ domestic policy covers you for changing your travel arrangements, losing your luggage, some cash while you’re in hospital and childcare and pet boarding costs if you’re delayed getting home.
Once you’ve found a policy which you think is up your alley, it’s important to compare it with Savvy to others on the market. This will help you make a more informed decision on what policy is right for you, enabling you to choose the best domestic insurance or international insurance with more confidence, no matter if you’re taking a holiday to Georgia or New Zealand.
What optional extras are available through Southern Cross?
In most cases, travel insurance providers offer what’s called ‘add-ons’ which afford you extra coverage for riskier activities such as adventure activities or non-competitive sports. Southern Cross offers a few optional extras , including:
- Skiing and snowboarding cover: this extra coverage protects you against unforeseen circumstances that occur while you’re skiing or snowboarding on your international or domestic holiday. This coverage applies when you’re using your skis or snowboard.
- Moped and motorbike cover: if you’re a driver or a passenger on a moped or a motorcycle, including rideshare or taxi, you aren’t covered under the standard policies. Southern Cross offers optional coverage which covers the cost of any unforeseen accidents while riding a motorcycle under 200cc.
Additionally, if you’re purchasing a medical-only policy, you’ll have to pay a higher premium to get coverage for certain benefits such as loss or theft of luggage, cancellation or cover for the excess on a rental car.
What exclusions should I be aware of when buying travel insurance through Southern Cross?
Taking a holiday to another part of the world, whether it’s exploring New Zealand or Noosa, is a magical experience. While the unexpected can occur, even the most comprehensive travel insurance policy won’t cover absolutely everything. As such, Southern Cross has a range of exclusions on their coverage, including:
- Biological or chemical weapon attacks
- Government-endorsed border closures or lockdowns
- Hitchhiking
- Knowingly travelling into a natural disaster, such as a cyclone or earthquake
- Any type of war or violence, such as invasions or insurrections
- Working while on your travels, whether voluntary or paid
- Unapproved medical conditions such as sexually transmitted diseases
- Any type of illegal activity
- Being subject to scams or fraud
- Using or providing prostitution services
Before you settle on a policy, it’s best to go through Southern Cross’ Product Disclosure Statement to ensure you’re choosing travel insurance that covers you adequately . There’s no point buying a policy if it doesn’t offer you the cover you need.
What we think of Southern Cross travel insurance
What we like, high maximum age limits.
Unlike some of its competitors that place limits as low as 65 on their policies, Southern Cross’ travel insurance products are open to covering anyone under the age of 118.
Generous luggage claim limits
Southern Cross allows you to claim up to $25,000 if you lose your luggage or have it stolen, considerably more than some of its rival providers who usually offer around $15,000 on comprehensive policies.
Childcare and pet coverage
If your return home is delayed for a variety of reasons, Southern Cross travel insurance covers the cost of any childcare or pet boarding costs, up to an agreed limit, until you can return home..
What we don't like
No domestic cruise coverage.
If you’re sailing through Australian waters and need coverage, you may have to look at other providers as Southern Cross doesn’t offer cover for domestic cruises .
Limited personal liability coverage
Most travel insurance companies offer up to $5 million coverage if a court finds you personally liable for damage or injury to another person or their property. However, Southern Cross only offers up to half that sum and just $1 million on their overseas coverage options.
Modest cover for pregnancies
If you’re pregnant, Southern Cross only covers you for medical issues up to the 24th week of gestation, while many other providers will cover you up to the 26th week or further.
Types of travel insurance
International.
International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.
If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).
Single trip
The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).
Annual multi-trip
As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.
You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.
You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.
Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.
Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.
Adventure sports
Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.
Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.
If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.
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Frequently asked questions about Southern Cross travel insurance
Yes – Southern Cross offers cover for COVID-19 expenses such as overseas medical and hospital costs, cancellation fees and lost deposits, additional expenses and travel delays. However, they only offer these benefits on their comprehensive travel insurance policy.
Making a travel insurance claim online with Southern Cross is relatively straightforward and follows these steps:
- Enter your policy number and personal details
- Submit copies of receipts, your travel itinerary, medical or police reports and copies of your bank statements to back up your claim.
Once these details are provided, Southern Cross will email you to confirm your claim has been received and give you an estimated processing time. If your claim is approved, they will email you to confirm your refund has been processed.
To purchase a travel insurance policy through Southern Cross, you must be an Australian resident over 18 years old. If you're a visitor or temporary resident, you must also:
- Purchase your policy before your trip starts
- Hold a current Australian visa and a return ticket
- Have an Australian residential and mailing address
Many factors affect how much you'll spend on travel insurance, including:
- How long you’re planning to travel
- The destinations you’re visiting
- Whether you suffer from any pre-existing conditions
- If you need any optional extras, such as cruise or adventure sports cover
- The travel insurance company you choose and the level of coverage you’re prepared to pay for
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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.
If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.
Worldwide means anywhere in the world
Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean
Europe means all European countries, including UK
Middle East refers to the area from Syria to Yemen; Egypt to Iran
Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*
Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters
New Zealand means domestic travel within New Zealand only
*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.
One Way Travel Insurance
One way travel insurance will cover you for any unforseen events that could happen during your one way flight and trip away, however, in most cases cover typically ends when you reach your final destination and have passed immigration. This varies from insurer to insurer, some will cover you for a period in your final destination, so make sure you check this before purchasing Did you know, most travel insurers require you to have a start and return date in New Zealand in order to buy a policy? So if you're going overseas and not planning on returning, finding cover can be a tad tricky!
Where Can I Buy One Way Travel Insurance?
We’ve done all the hard work for you! Here's a handy table showing who offers one way cover and any restrictions they may have. NOTE: If you are going overseas, plan to return, but do not have a confirmed return date to New Zealand, this is different. Most insurers allow you to purchase a regular policy if you intend to head back to NZ, but just have not bought a ticket yet.
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Typical Conditions Of Cover:
- You must tell your insurer you’ve only bought a one way ticket otherwise your cover could be invalid
- You must be an New Zealand citizen
- A waiting period may apply to claims for illness or injury
- In many cases your trip must originate in New Zealand (but not always)
- Like any policy there might be age restrictions (listed below)
- You must tell your insurer about any pre-existing medical conditions you have
- One way insurance might expire between 24 hours to 7 days after you arrive at your destination It's important to note that should you require repatriation to New Zealand, travel insurance would normally use your return ticket to get you home. However, on a one-way journey (with no return ticket) you will need to contribute the equivalent of an economy ticket for the return journey.
Keep Your Insurer Up-To-Date
If you’ve purchased a single trip policy but decide to extend your trip but forget to extend your insurance, you will find yourself without cover. If you do not return home on the date that’s specified on your certificate of insurance, and you do not tell your insurer, your policy could be cancelled.
Read The Small Print
We know it's not particularly exciting, but each insurers' policy will vary, especially when it comes to their one way insurance policies. Because of this make sure you read the small print to understand your cover. You don't want to find yourself in a situation when you thought you were covered when infact you wern't!!
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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.
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Do you want to cover a single trip or multiple trips, single trip covers a single return journey overseas, up to 12 months long., annual multi-trip covers an unlimited number of return journeys overseas over a 12 month period from the date your insurance starts which you can choose., when are you travelling, select the dates you will depart from and return to australia., cover starts on the date you select, and you will have 12 months of cover from this date., where will you be travelling, popular destinations, south pacific.
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Moscow-City: 7 surprising facts about the Russian capital’s business center
1. Guinness World Record in highlining
The record was set in 2019 by a team of seven athletes from Russia, Germany, France and Canada. They did it on September 8, on which the ‘Moscow-City Day’ is celebrated. The cord was stretched at the height of 350 m between the ‘OKO’ (“Eye”) and ‘Neva Towers’ skyscrapers. The distance between them is 245 m. The first of the athletes to cross was Friede Kuhne from Germany. The athletes didn't just walk, but also performed some daredevil tricks. Their record is 103 meters higher than the previous one set in Mexico City in December 2016.
2. Domination of Europe's top-10 highest skyscrapers
7 out of 10 Europe’s highest skyscrapers are located in Moscow-City. Earlier, the ‘Federation Tower’ complex’s ‘Vostok’ (“East”) skyscraper was the considered the tallest in Europe.
Left to right: the lower of the ‘Neva Towers’ (296 m), Commerzbank Tower in Frankfurt (300 m), Gorod Stolits (“City of Capitals”) Moscow tower (302 m), Eurasia tower (309 m), The Shard’ skyscraper in London (310 m), Mercury City Tower (339 m), Neva Towers (345 m).
However, in 2018, the construction of the 462 meter tall ‘Lakhta Center’ in Saint-Petersburg was completed, pushing ‘Vostok’ (374 m) into 2nd place. The 3rd place is taken by OKO’s southern tower (354 m).
3. The unrealized ‘Rossiya’ tower
If all the building plans of Moscow-City were realized, the ‘Lakhta Center’ in St. Petersburg wouldn't have a chance to be Europe's highest skyscraper. Boris Tkhor, the architect who designed the concept of Moscow-City, had planned for the ‘Rossiya’ tower to be the tallest. In his project, it was a 600 meter tall golden cylindrical skyscraper ending with a spire that was inspired by traditional Russian bell towers. Then, the project was reinvented by famous British architect Sir Norman Foster. He had designed ‘Rossiya’ as a pyramid ending with a spire. The skyscraper itself would have been 612 meters tall, and the height including the spire would have reached 744,5 meters (for comparison, the ‘Burj Khalifa’ in Dubai, UAE, would have been just 83,5 meters taller). Unfortunately, the investors faced a lot of economic problems, due to the 2008 financial crisis, so the ‘Rossiya’ skyscraper was never built. A shopping mall and the ‘Neva Towers’ complex was constructed at its place in 2019.
4. Changed appearance of ‘Federation Tower’
In its first project, the ‘Federation Tower’ was designed to resemble a ship with a mast and two sails. The mast was to be represented by a tall glass spire with passages between the towers. It was planned to make a high-speed lift in it. The top of the spire was going to be turned into an observation deck. But the ship lost its mast in the middle of its construction. Experts at the Moscow-city Museum based in the ‘Imperia’ (“Empire”) tower say, that the construction of the spire was stopped, firstly, due to fire safety reasons and secondly, because it posed a threat to helicopter flights – the flickering glass of the spire could potentially blind the pilots. So, the half-built construction was disassembled. However, an observation deck was opened in the ‘Vostok’ tower.
5. Open windows of ‘Federation Tower’
We all know that the windows of the upper floors in different buildings don’t usually open. Experts say that it’s not actually for people’s safety. Falling from a big height is likely to be fatal in any building. The actual reason is the ventilation system. In a skyscraper, it’s managed with a mechanical system, and the building has its own climate. But in the ‘Zapad’ (“West”) tower of the ‘Federation Tower’ complex, the windows can open. The 62nd and last floor of the tower are taken up by a restaurant called ‘Sixty’. There, the windows are equipped with a special hydraulic system. They open for a short period of time accompanied by classical music, so the guests can take breathtaking photos of Moscow.
6. Broken glass units of ‘Federation Tower’
The guests of the ‘Sixty’ restaurant at the top of the ‘Zapad’ tower can be surprised to see cracked glass window panes. It is particularly strange, if we take into consideration the special type of this glass. It is extremely solid and can’t be broken once installed. For example, during experiments people threw all sorts of heavy items at the windows, but the glass wouldn’t break. The broken glass units of ‘Zapad’ were already damaged during shipment . As each of them is curved in its own way to make the tower’s curvature smooth, making a new set of window panes and bringing them to Russia was deemed too expensive . Moreover, the investors had financial problems (again, due to the 2008 financial crisis), so the ‘Vostok’ tower even stood unfinished for several years. Eventually, the cracked window panes were installed in their place.
7. The highest restaurant in Europe
‘Birds’, another restaurant in Moscow-City, is remarkable for its location. It was opened at the end of 2019 on the 84th floor of the ‘OKO’ complex’s southern tower. Guests at the restaurant can enjoy an amazing panoramic view at a height of 336 meters. On January 28, the experts of ‘Kniga Recordov Rossii’ (“Russian Records Book”) declared ‘Birds’ the highest restaurant in Europe, a step toward an application for a Guinness World Record.
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- Gorky Central Park of Culture and Recreation, Moscow
- Guide to Russia
What is the history of Gorky Park?
- In the pre-revolutionary period, Gorky Park was a city dump and wasteland, which was cleared in 1923 to host the All-Russian Agricultural and Artisan Industrial Exhibition
- In 1928, a huge park was planned on the former site of the exhibition. It would not just be a place of leisure, but a place to proudly display Soviet culture and daily life
- Gorky Park has remained a cultural hub ever since, and has been renovated and added to over the years to make it one of Moscow’s top attractions today
Gorky Central Park of Culture and Recreation
Gorky Park is the most famous park of Moscow, created during the Soviet period as a hub for relaxation and cultural activities. The park is beloved by Muscovites and tourists alike, who visit in all seasons to stroll, enjoy sports, admire the park’s attractions, and attend cultural events. Gorky Park is the central part of an ensemble of four green spaces – Muzeon Park of Arts, Neskuchny Garden, and Sparrow Hills Nature Reserve – which curve around the southern bank of the Moskva River to the south-west of Moscow city centre. Here you may spend some time and enjoy nature and contemprary art during your vacation in Moscow .
History of Gorky Park
Imperial russia.
In the 17th century, the eastern bank of the Moskva River beyond Moscow’s city limits was home to floodplain meadows, where palace horses grazed. From the mid-1850s, events such as cockfights, fistfights, and races were held here, and by the 20th century this area had become a city dump where the unemployed and homeless people of Moscow lived, which remained this way until the Soviet period. This wasteland lay in stark contrast to the adjoining Neskuchny Sad – ‘merry garden’ – which lay to its south, an area of aristocratic country estates and elaborate gardens.
Soviet Russia
Photo from https://parkseason.ru/
Following the October Revolution, Vladimir Lenin travelled around Moscow to find a suitable site for the first All-Russian Agricultural and Artisan Industrial Exhibition, which would reveal opportunities for socialist development of agriculture and industry. Lenin decided on the wasteland alongside the Moskva River, which was cleared with a programme of community work. In 1923, the exhibition began. It encompassed 250 pavilions dedicated to different themes of agriculture and industry, and was divided into thematic zones, such as villages, livestock, crops, engineering, railways, republics of the USSR, and foreign countries. The organisation of the exhibition demarcated the future layout and size of Gorky Park, and the paths, ‘zones’, and main square of the exhibition have been preserved until the present day. In March 1928, Moscow City Council decided to establish a park of culture and recreation on the site of the former exhibition, which would also encompass the Neskuchny Garden. Moscow’s residents were instrumental in the construction of the park – they voiced their desires for events spaces, physical education and leisure facilities, and gave up their weekends to build the park. The park’s main architect was Konstantin Melnikov.
Did you know? Konstantin Melnikov also helped to construct Lenin’s Mausoleum and the Rusakov Worker’s Club, one of Moscow’s Constructivist masterpieces .
Over 100,000 Muscovites flocked to the opening of the park on 12th August 1928. The brand-new park was equipped with two theatres, a cinema, nursery, reading room, restaurant and café, music stages, sports arenas, rowing boats, and even a giant helter-skelter slide. Unfortunately, because of the vast size of the crowd and the general excitement, the park was damaged and closed until September.
Did you know? The park was not named after Maxim Gorky, writer and founder of Socialist Realism, until 1933.
In 1929, Betty Glan – at the mere age of 26 – became director of the park. She decided to reconceptualise it, uniting leisure, design, and ideology with the help of Moscow’s most eminent architects, designers and artists. Over the next decade, more cultural venues were established in the park, the Pushkinskaya Embankment along the Moskva River was developed, and the landscaping of the park was carefully cultivated. Architect Alexander Vlasov was particularly influential, and won the Grand Prix at the 1937 World Exhibition in Paris for his design of Gorky Park. This period under Glan’s directorship until 1937 was known as the ‘golden age’ of Gorky Park, which became not just a place for recreation, but a public space where Soviet culture and everyday life could be proudly displayed.
Did you know? During the Second World War topical events were held in Gorky Park, such as the championship in bayonet combat, grenade-throwing competitions, and air defence training. What’s more, an exhibition of captured enemy weapons – tanks, artillery, aeroplanes, and more – was organised in Gorky Park and continually updated throughout the war.
In the post-war decades new attractions were continually added to Gorky Park. These included the majestic 24-metre triumphal arch at the entrance to the park, an astronomical observatory (which remains open today), the famous Ferris wheel (unfortunately dismantled in 2008), and a fountain with lights and music.
Russia today
Photo from https://countryscanner.ru/
The Gorky Park ensemble continued to flourish as a centre of culture and recreation in post-Soviet Russia. The adjoining Muzeon Park of Arts was founded in 1992, and Garage Museum of Contemporary Art was established in Gorky Park in 2008. The ensemble underwent serious reconstruction in 2011. Many new sports facilities were added, including centres for beach sports and extreme sports, bicycle paths and sports equipment rental hubs, and much effort was devoted to reviving original buildings, sculptures, and landscape compositions. Two years later, the embankment of the Moskva River from the southern tip of Zamoskvorechye Island all the way to Sparrow Hills was redeveloped and pedestrianised, making it possible to peacefully walk or cycle along the Moskva for many kilometres.
What can you do at Gorky Park today?
- Explore the park and see architectural attractions, fountains, and beautiful gardens
- Visit Garage Museum of Contemporary Art and the Gorky Park Museum
- Go boating on the lakes and stroll down the Pushkinskaya Embankment
- Rent bicycles or scooters, skateboard, and visit the sports centres
What can you do at Gorky Park?
Park attractions.
While exploring the treelined paths of Gorky Park, you’ll come across a number of attractions. To the west of the main entrance, near the river, is a beautiful geometric bandstand used for music and literary evenings in the Soviet period. As you head down the central alley of Gorky Park from the main entrance, you’ll see a statue of Maxim Gorky on your right, and discover the light and music fountain with its dancing jets of water – find the schedule of its performances here .
Did you know? Don’t be afraid to feed the red squirrels and birds you encounter on your walk around Gorky Park – there are even vending machines which sell special food for the animals!
The southern section of Gorky Park is occupied by the Golitsynsky Garden. In 1802, the Golitsyn Hospital was founded here as a hospital for the poor; it still adjoins Gorky Park today. Gardens were created as a relaxation place for patients, extending from the hospital building to the riverbank, and included landscaped gardens, a Chinese Bridge, and two ponds. On the riverbank is the Rotunda of the Golitsyn Hospital, which has been preserved since the 19th century. There is also a rose garden and fountain by the Bolshoi Golitsynsky Pond.
Did you know? In the Golitsynsky Garden is also located an unusual architectural monument – a public toilet designed by Alexander Vlasov in the 1930s, which is recognised as an ‘object of cultural heritage’!
Outdoor activities
Gorky Park’s extensive and varied grounds aren’t only good for walks! You can relax on the water by renting boats to sail on the Pionersky and Bolshoi Golitsynsky Ponds, or visiting the Olivkovy Beach on the Pushkinskaya Embankment to sunbathe. As well as this, you can hire bicycles, electric scooters, longboards or even roller skates to explore the park and embankments, play table tennis, visit the sports complex to play football, basketball, handball, badminton or volleyball, or visit the Vans skatepark or Nike sports centre for workouts and classes such as rooftop yoga.
Gorky Park Museum
Photo from http://themedium.ru/
Visit the Gorky Park Museum, located in the left pier of the entrance arch. The current exhibition is dedicated to Gorky Park in the ‘golden age’ of the 1930s, and shows the development of Moscow’s central park through the eyes of Betty Glan. There is an observation deck on top of the arch, which offers a lovely view over the park and Moscow’s skyline.
Did you know? In the entrance arch there is also a gift shop where you can purchase balls, frisbees, blankets, and other items to enjoy your visit to Gorky Park.
Garage Museum of Contemporary Art
Photo from https://muzeolog.com/
In Gorky Park you will find Garage Museum, Russia’s first philanthropic institution dedicated to contemporary art, founded in 2008 by Roman Abramovich and Dasha Zhukova. 10 major exhibitions are hosted each year to showcase the work of established and up-and-coming artists. Also organised are a rich programme of events including curator-led excursions, workshops, masterclasses, lectures, concerts, performances, festivals, and film screenings at Garage’s outdoor cinema. Read our article about Garage Museum of Contemporary Art to learn more.
Food and drink
There are plenty of excellent cafes and restaurants dotted around Gorky Park, where you can stop for a quick coffee or enjoy a long meal with a view. They include the stylish lakeside café Ostrovok (Little Island) and upmarket restaurant Vremena Goda (Seasons) which serve European and Russian food, colourful lakeside Thai restaurant Lebedinoe Ozero (Swan Lake), trattoria Merkato with its huge summer terrace, restaurant Syrovarnya (Cheese Factory) with a menu focused on its homemade cheese, food-truck court Restoparking which is stylised as a drive-in café, and ice-cream and tea shop Chaynaya Vysota.
What’s nearby?
Gorky Park is bordered by Muzeon Park of Arts, Neskuchny Garden, and Sparrow Hills Nature Reserve. This huge ensemble curves for eight kilometres along the bank of the Moskva River, providing a beautiful oasis of green in Europe’s biggest city.
Muzeon Park of Arts
Photo from https://new-magazine.ru/
Muzeon Park of Arts is the largest open-air sculpture museum in Russia, home to 1,000 sculptures by Soviet and Russian sculptors, including those by famous artists. A large part of Muzeon is occupied by the New Tretyakov Gallery , which houses Russia’s most complete exhibition of national art from the 20th century to the present day. The pedestrianised Krymskaya Embankment which extends alongside Muzeon has recently undergone redevelopment, and is one of Moscow’s most popular spots to relax.
Neskuchny Garden
Neskuchny Garden is the oldest park in Moscow, founded in 1728 by Prince Nikita Trubetskoy, who threw fantastic festivities in his manor house and gardens – neskuchny means ‘merry’ in Russian. Many other noble families also built their country estates in this area, which became a public park and garden after being acquired by the royal family. Today, the Neskuchny Garden is home to historical buildings, fountains, and gardens from the 18th and 19th centuries, sports facilities, an open-air theatre, and a huge greenhouse which supplies flowers to Gorky Park.
Sparrow Hills
Sparrow Hills Nature Reserve is a huge forest park lining the steep bank of the Moskva River and the only specially protected nature area near the city centre. It is home to ecological trails, ponds, natural springs, rare species of plants and animals, many spots for picnicking, cafes, and a mini zoo. At the bottom of the park lie the Vorobyovskaya and Andreevskaya Embankments, with promenades along the Moskva River, a beach, and piers offering boat trips. As with Gorky Park, Sparrow Hills is hugely popular for sports and outdoor activities in all seasons. A new winter sports complex with snowboarding, ice skating, and ski tracks and jumps is currently under construction. When the weather is pleasant, you can rent a bicycle to ride the 8 kilometres along the river from Muzeon to Sparrow Hills.
Essential information for visitors Address and contact details Gorky Park, Krymsky Val, 9, Moscow, 119049 Website: https://park-gorkogo.com/ Email: [email protected] Telephone: +7 (495) 995-00-20 Nearest metro: Oktyabrskaya (570m), Park Kultury (860m) Opening hours and tickets
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Russia's capital has so much to offer, from the Kremlin and the Metro to the Old Arbat street and the Tretyakov Gallery. Besides these sites, you will also visit a fascinating country estate which today is quite off the beaten path, Gorky Estate, where the Soviet leader Lenin spent the last months of his life.
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Frequently asked questions, what is the trans-siberian railway.
By definition, the Trans-Siberian railway is the longest railroad of Russia and the world, connecting the central part of the country with the Far East. If you look at the Trans-Siberian railway route map , you'll see that the train begins its journey in Moscow, following further through the Volga River, turning to the Ural Mountains and Siberia.
In the city of Yekaterinburg, the train turns to Omsk and Novosibirsk, crossing the Ob River, following Krasnoyarsk and heading to the Yenisei. Further, the road goes to Irkutsk, winding along the southern coast of the majestic Lake Baikal. The train runs through a small territory of the Gobi Desert and Khabarovsk, straight to the final destination, Vladivostok. The total Trans-Siberian Railway length adds up to around 9200 kilometers (5716 mi)!
How long does it take to travel on the Trans-Siberian Railway?
Generally, traveling from one side of Russia to the other takes 7 days provided that you go by Moscow to Vladivostok direct train without any stops en route. However, if you plan to discover more of Russia and explore some destinations during 1 to 2-day stops along your way from Moscow to Siberia, the time can vary a lot, depending on which cities you plan to stay in and for how long.
How many time zones does the Trans-Siberian Railway cross?
Traveling Trans-Siberian railroad can be compared with traveling through time as the railway covers 8 time zones! Interestingly, Russia has a total of 11 time zones. Moreover, the difference in time between Moscow and Vladivostok is 7 whole hours! Thus, when it's afternoon in the Russian capital, it is dinnertime in Vladivostok.
Is the Trans-Siberian Railway safe?
In general, the Trans-Siberian train journey is quite safe. However, we would advise to consider the human factor and recommend to take a ticket to the compartment with a door that can be locked from the inside (these are 1st or 2nd class sleeper cars of regular Russian trains ) as to not to worry about all the valuable things you take with you. It is a simple precaution but never keep your valuables unattended or scattered around the compartment, especially while you're sleeping.
What is the best time for Trans-Siberian Railway journey?
Planning a voyage of a lifetime, you can't but think about the best season for your Trans-Siberian expedition. Well, it is hard to advise upon this question as the answer totally depends on what type of landscape you are attracted to most. If you are charmed by the pictures of white slopes and dense forests covered with crunchy snow, you should definitely plan your trip between November and February. But, anyway, we guess you won't be surprised at all by hearing that the most popular months for trips to Siberia along the world's longest railroad are between May and August. This time of the year provides the most comfortable weather conditions to explore the cities at all the Trans-Siberian stops as well as to admire breathtaking views of Siberian taiga, gorgeous Lake Baikal, sloping hills of Mongolia , and a lot more both from the train window and during stops.
What are the best stops on the Trans-Siberian Railway?
The first thing you should take into the account is that you can start your Trans-Siberian journey either from the west or the east. The choice of the direction depends on whether you are going to make Moscow , Vladivostok , Ulan Bator , or even Beijing the last point of your trip. Usually, a Trans-Siberian tour includes such Russian cities as Moscow, Kazan, Ekaterinburg, Irkutsk, Ulan-Ude , Khabarovsk, and Vladivostok. Each of the cities mentioned has something unique and special that will help you to see Russia and its culture from different angles so it is really hard to distinguish the best destinations. However we can assure you that any Siberian railroad tour won't do without visiting the real gem of the region, stunning Lake Baikal, so the stop in Irkutsk is an unmissable one. If you decide to enrich your vacation by immersing into the charms of Asia, you may extend your Trans-Siberian itinerary with the northern capital of Russia, Saint Petersburg as well as the capital cities of Mongolia and China. You may read more about the best stops on the Trans-Siberian railway on the Most Famous Russian & Siberian Cities page .
How to travel along the Trans-Siberian Railway?
How many bridges does the trans-siberian railway cross.
The Trans-Siberian railroad crosses 16 large rivers, including the Volga, the Irtysh, the Kama, the Ob, the Yenisei, the Amur, and some others. The total number of bridges that the train passes from start to finish is 3901. Interestingly, the summed distance of all these bridges is more than 100 km (62 miles)!
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Working Overseas
Working overseas travel insurance, living and working abroad.
Working overseas can be one of the most enriching experiences of your life. It’s a great way to understand different cultures, learn new skills and discover all the world has to offer. But when it comes to travelling, there’s always room for the unexpected to happen, so it’s important to protect yourself with comprehensive travel insurance.
Our Working Overseas travel insurance policy is designed to provide the comprehensive benefits of a standard travel insurance policy, whilst also covering while living and working abroad.
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What is travel insurance for working holidays?
Whether you’re planning a big OE to Canada or the UK, a working holiday travel insurance policy can be a great option for you. It provides comprehensive coverage for a range of travel-related issues, including medical expenses, emergency medical evacuation, trip cancellation, trip interruption, lost or stolen baggage, and more.
As a working holiday traveller, it's important to have adequate coverage to protect yourself financially and ensure you receive the necessary medical treatment if something goes wrong as you may not be eligible for healthcare at your chosen destination.
What our Working Overseas travel insurance policy covers
We want people to relax and enjoy their time spent working overseas. Our Working Overseas travel insurance is specifically designed to remove the worry and anxiety should something not go quite to plan.
Cover towards legal liability for damages, compensation and legal expenses. No excess applies.
Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged. No excess applies.
This table is a summary of the Working Overseas policy benefits and shows the maximum cover under each benefit for each person (unless otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).
Why choose a Working Overseas policy?
We know that living overseas is different from going on a holiday or visiting family and friends overseas, and our Working Overseas policy reflects that. When you’re working overseas, you require a policy that suits what you’re going to be doing and will give you peace of mind while you’re enjoying your overseas experience.
Below are some of the features of our Working Overseas policy:
- We offer cover for office-based work, educational work, healthcare and manual work, including retail hospitality.
- We offer Comprehensive Cover with three excess options ($0, $100 & $250), so you can tailor the plan to work best for you.
- Under Section D.1 of our policy wording (Medical and Evacuation), we offer cover for a range of services that you may require while overseas including dental treatment, optical treatment, maternity care, ancillary services (chiropractor, physiotherapist), rehabilitation and occupational therapy, and mental health.
- Under Section D.3 of our policy wording (Changes to Your Journey once you have left), we offer cover for resuming your journey, so you can get back on track if you have to return to New Zealand as a result of an unexpected event.
- We provide cover for COVID-19 under section D.1 Medical and evacuation for medical expenses and evacuation if you’re diagnosed with COVID-19 while on your journey. All of our policies come with worldwide emergency assistance, giving you access to one of the world's largest networks of emergency medical resources, 24 hours a day, 7 days a week.
What we’re unable to cover
We do not cover professional sports or hazardous work. We consider hazardous work to be any work or occupation (paid, unpaid or voluntary), where you are exposed to an increased risk of physical danger, harm or any adverse health effects as a result of your duties or the location of your work.
All work, occupations, business or professions are excluded under Section D.7, Personal Liability.
Here are some examples of occupations we consider to be hazardous:
- Aircraft crew member
- Armed forces
- Cement and concrete manufacturing
- Commercial fishing
- Construction work
- Deep sea drilling
- Fire fighting
- Power line repair
- Search and rescue
- Slaughterhouse work
- Structural and steel work
- Tornado chasing
- Work with wild animals
- Working in any type of mine or oil or gas field
If you are still unsure whether your role would be considered 'Hazardous work', please feel free to give us a call on 0800 800 571 or send us an email at [email protected] . Please click here to see the policy wording in full.
Is the Working Overseas policy right for me?
We've designed this policy to cover people who are temporarily living overseas and working, or on a working holiday.
If you are only travelling overseas to attend a work or business conference, there may be cover under our International Comprehensive travel insurance policy and we recommend that you check whether this policy is suitable for you.
Our Working Overseas policy is available to you whether you have a return or one-way ticket. You can buy cover from one month to 12 months, and don’t have to be working while you’re overseas to purchase this policy.
For full details, please refer to the Policy Document , and if you’re unsure about the type of work you’re planning to do overseas, we would be happy to answer any questions you might have.
What destinations should I choose?
When you’re living and working overseas, we know that you may want to holiday in other countries as well. The good news is that there is cover under our Working Overseas policy for leisure trips to other destinations, as well as the country you’re spending most of your time in.
However, it is important that we know of all destinations that you’re planning to visit.
For example, if you’ll be working in the United Kingdom but you plan to visit France, you must let us know that you require cover in France, either when you’re buying your policy or before you leave for your trip to France. Depending on the country you plan to visit, there may be an additional premium that you need to pay.
When considering which destinations to choose, please check the travel advisory risk rating published on New Zealand Ministry of Foreign Affairs and Trade website . Destinations with a travel advisory risk rating of ‘do not travel’ or ‘avoid non-essential travel’ are not covered for unexpected events relating to the reason why travel advisory was issued for a destination or region by the New Zealand Ministry of Foreign Affairs and Trade. For more information please visit our website here .
What if things change?
One day you’re living in New Caledonia, the next you could be in New York! If your situation changes and you need to make a change to your Working Overseas travel insurance policy, get in touch with us, and we can make the necessary changes for you. You will need to make sure that your policy is kept up-to-date, ensuring that the destinations you travel to are covered. If you need to contact us from overseas, you can either email us at [email protected] or call us on +64 9 979 6593.
Frequently asked questions
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We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am - 7pm, and Saturday, 9am to 6pm, excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.
Get in touch with the team and we'll be happy to help.
Call us Monday to Friday, 8.30am - 7.00pm.
You can reach our team on: +64 9 979 6593
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We continue to advise:
Do not travel to Russia due to the security situation and the impacts of the military conflict with Ukraine.
Russia (PDF 2.04 MB)
Europe (PDF 2.62 MB)
Local emergency contacts
All emergency services, fire and rescue services, medical emergencies, advice levels.
Do not travel to Russia.
Do not travel to Russia due to the dangerous security situation and the impacts of the military conflict with Ukraine.
Do not travel to North Caucasus.
Do not travel to North Caucasus due to the high threat of terrorism and political unrest.
See Safety .
- There's an ongoing threat of terrorism. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life.
- Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and travel disruption. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.
- The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice, so have an alternate exit plan.
- If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.
- There are limited transportation options, restrictions on financial transactions and possible shortages of essential products and services.
- The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level covers the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.
- Russian authorities have made strong, negative comments in relation to Western countries. Local authorities may adopt a more negative attitude towards foreigners in Russia in reaction to perceived support for Ukraine and sanctions on Russia. Non-participating bystanders can draw scrutiny from security forces and have been detained. Remain vigilant, avoid protests or demonstrations and avoid commenting publicly on political developments.
- Continue to follow the advice on Smartraveller. If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.
Full travel advice: Safety
- Laws about the import and use of medicines are strict. You need a doctor's letter and a notarised translation confirming your need for each medication that contains restricted substances. Contact the Embassy of Russia for details.
- Rabies and tick-borne encephalitis are on the rise. Ticks are common from April to October. Take care when travelling through forests.
- Infectious diseases such as typhoid, hepatitis, diphtheria, measles and tuberculosis are a risk. Boil drinking water or drink bottled water.
- Public medical facilities in Russian cities are below Australian standards and basic in rural areas.
Full travel advice: Health
- Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you're subjected to mobilisation.
- Conscription occurs regularly in Russia. The Government may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. From 1 January 2024, the maximum age of conscription will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online, preventing conscripts from leaving the country once the notice is registered and sent.
- Russia has passed laws that severely inhibit free speech related to the current situation, imposing severe restrictions on the publishing and distribution of information related to the Russian armed forces and any military operations. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment. Don't share or publish information related to the current events in Ukraine and Russia.
- Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.
- Don't use or carry any illegal drugs. Penalties are severe. Carry your passport, visa and migration card at all times. Authorities won't accept copies.
- Don't take photos of military places or sensitive areas, such as passport control. It's also illegal to use commercial film, television, camera equipment or drones in public without permission. Hand-held video cameras are legal.
- Russia doesn't recognise dual nationals. We can only provide limited consular assistance to dual nationals who are arrested or detained. You'll need a valid Russian passport to leave.
- Same-sex relationships are technically legal but are not widely accepted. Violence against members of the LGBTI community occurs. Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". The promotion of LGBTI issues may be considered illegal by local authorities, and activists may face consequences under Russian law. In July 2023, the Russian President signed a decree banning gender changes without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.
- Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution.
Full travel advice: Local laws
- If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. The security situation could deteriorate further with little warning. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Have an alternate exit plan.
- Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are often disrupted due to measures taken in response to military action in Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended.
- If you're travelling through an overland border crossing into Estonia or Latvia , confirm the entry requirements for your destination before arrival. Finland has closed border crossings with Russia indefinitely and maritime borders will close on 15 April. Latvia introduced an entry ban on vehicles registered in Russia in September 2023. There's a ban on vehicles crossing into/from Estonia at the Ivangorod- Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.
- Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. Research your railway and aviation provider before choosing their services. The International Civil Aviation Organisation has issued a Significant Safety Concern (or 'red flag') notice regarding the capacity of Russian airlines to oversee safety.
- If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices. Entry requirements can change at short notice. Contact your airline or the nearest embassy or consulate of Russia to confirm entry requirements.
- Bank cards issued outside of Russia don't work in Russia. You won't be able to access funds from these cards once you enter Russia. You may not be able to exchange Australian dollars as well as old, worn, or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay.
- Dual nationals can't leave Russia without a valid Russian passport. If your Russian passport expires while you're in Russia or if you enter Russia using a repatriation certificate, you'll need to get a new Russian passport before you leave. This can take up to 3 months. The Australian Government won't be able to intervene or fast-track this process.
Full travel advice: Travel
Local contacts
- The Consular Services Charter details what we can and can't do to help you overseas.
- For consular help, contact the Australian Embassy in Moscow. Our ability to provide consular assistance in Russia is limited due to the evolving security situation. The Australian Government will not be able to evacuate you from Russia.
- The Australian Consulate in St Petersburg can provide limited help.
- If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.
Full travel advice: Local contacts
Full advice
Terrorists are very likely to try to carry out attacks in Russia. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places and could include popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. Russia has seen a number of terrorist attacks which have caused large casualty numbers. On 23 March, there was a terrorist attack at Crocus City Hall in Moscow, resulting in significant loss of life. Russia's aviation has also been targeted.
Russian authorities continue to announce arrests and the disruption of planned attacks.
Terrorists have attacked other European cities. Targets have included:
- places of worship
- government buildings
- shopping areas
- tourist sites
- restaurants
- entertainment venues
- transportation hubs
- major events which attract large crowds
To protect yourself from terrorism:
- be alert to possible threats, especially in public places
- be extra cautious around possible terrorist targets
- always have a clear exit plan
- report anything suspicious to the police
- monitor the media for any new threats
- take official warnings seriously and follow the instructions of local authorities
If there's an attack, leave the area as soon as it's safe. Avoid the affected area in case of secondary attacks.
Terrorism is a threat worldwide.
More information:
North Caucasus
There's a high threat of terrorism in parts of the North Caucasus, including:
- North Ossetia
- the south-eastern part of Stavropol bordering Chechnya
- Karbardino-Balkaria
- Karachay-Cherkessia
Terrorist attacks continue to occur in Chechnya. Several people have been killed and injured.
Our ability to provide consular assistance to Australians in those parts of the North Caucasus is limited.
If, despite our advice, you travel to these parts of the North Caucasus:
- monitor local conditions via media and travel operators
- arrange personal security measures
Georgia-Russia border
The Georgia-Russia border area is volatile because of tensions in Georgia.
If, despite our advice, you travel in the border region, read our Georgia travel advice .
Security situation
Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and flight cancellations. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.
The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family.
The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level has been introduced in the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.
Ukraine border areas and Crimea
The Russia-Ukraine border is volatile due to the Russian invasion of Ukraine.
Security incidents regularly occur in Belgorod, Bryansk, Kursk and other regions of Russia bordering Ukraine, including explosions and large fires. The security situation in the region could deteriorate at short notice. You shouldn't travel to the Russia-Ukraine border or cross into Ukraine from Russia.
We currently advise you do not travel to Ukraine due to the volatile security environment and military conflict. Read the Ukraine travel advice for more information.
The Australian Government doesn't recognise Russia's claimed annexation of the Ukrainian region of Crimea or its other territorial claims in occupied Ukraine.
Leaving Russia
Where it's safe to do so, you should leave Russia immediately. Use your judgment to decide the best time and safest means of exit.
Transport routes may be disrupted. Plan for delays at land border crossings. Expect disruption to travel and changes at short notice. Make sure you have an adequate supply of food, water, medication and fuel. Make sure you have payment options that will work during your journey and at your destination.
Read your destination's travel advice to ensure you meet the entry requirements. These may differ when entering by road, rail or air. Be aware that some borders may close without notice. Commercial travel routes between Russia and Europe have been impacted by measures taken in response to the Russian invasion of Ukraine. Check with your airline or travel agent for current flight availability. Any travel options you pursue are at your own risk. See ' Travel '
For more information on entry requirements for countries bordering Russia, read the travel advice:
The European Union also has a website with information on travel restrictions for people seeking to enter member states .
If you decide to stay in Russia:
- follow the instructions of authorities
- ensure your travel documents are up-to-date, and keep your passport and other travel documentation safe
- contact your family and friends in Australia so they're aware of your location and situation
- keep up to date with developments on the security situation, monitor reputable media, and regularly check our travel advice and social media
- review your personal security plans and make contingency plans to leave as soon as you judge it safe to do so
- always be alert and aware of your surroundings
- avoid large gatherings and areas with groups of fighters and military equipment.
Civil unrest and political tension
Russia's parliament has passed laws that severely restrict free speech related to the current situation. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment.
While the effects of this law are still unclear, you may be detained or fined for:
- sharing or publishing information that local authorities deem false
- sharing or publishing information that may be detrimental to the armed forces
- calling for, sharing or publishing speech in support of sanctions against Russia
You should not:
- share or publish information related to the current events in Ukraine and Russia
- participate in demonstrations and large gatherings
Russian authorities may adopt a more negative attitude towards foreigners in Russia due to perceived support for Ukraine and sanctions on Russia. Russian authorities may enforce local laws in an arbitrary manner. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.
Avoid commenting publicly on political developments.
Anti-war and anti-mobilisation protests have taken place in cities across Russia over the invasion of Ukraine. Many protesters have been arrested.
Unsanctioned protests are illegal, and you can be arrested if you participate. Remain vigilant and avoid rallies, protests, demonstrations and other large public gatherings, as they can turn violent, and you may be arrested.
- Demonstrations and civil unrest
Theft and assault
Petty crime, pickpocketing and mugging is common. Groups of children sometimes commit crimes, too.
Hot spots for crime include:
- the Izmailovsky Market
- other tourist attractions
- the Moscow and St Petersburg metros
Thieves often steal passports. They target travellers in robberies and assaults , particularly in large cities.
To protect yourself from theft and assault:
- keep your personal belongings close, particularly in tourist areas
- be aware of your security in public places, particularly at night
- monitor local media on crime
- racially or religiously motivated assaults may occur throughout Russia.
Drink spiking
Criminals may drug and rob travellers at nightclubs and bars. Sometimes this happens after people accept offers of food, drink or transportation from strangers.
To protect yourself from spiking-related crime:
- never accept food or drinks from strangers
- don't leave drinks unattended
- leave your drink if you're not sure it's safe
- stick with people you trust in bars, nightclubs and taxis
- don't accept offers of transport from strangers
- Partying safely
Using taxis
People have reported extortion and robbery while taking unauthorised taxis.
To protect yourself from robbery while travelling in taxis:
- only use official taxi companies
- always book your taxi in advance
- don't flag down taxis on the street
- don't share taxis with strangers
- always negotiate and confirm the fare before you get in a taxi
Credit card and ATM fraud
Credit card and ATM fraud is common.
To protect yourself from fraud:
- only exchange currency at banks
- keep your credit card in sight during transactions
- only use ATMs inside banks and during business hours
- always hide your PIN
Other scams
Criminals may try to cheat you by changing money in the street or a bank queue.
Some Australians have been victims of fraud by bogus internet friendship, dating and marriage schemes operating from Russia.
These are large-scale, well-organised scams .
Criminals arrange to meet people through internet dating schemes or chat rooms. After getting to know each other, the criminal asks the Australian to send money so they can travel to Australia. However, the relationship ends after the money has been received, and the funds can't be recovered.
Be wary of people you meet through internet dating schemes or chat rooms.
People have also reported harassment, mistreatment and extortion by police and other local officials.
If you suspect you're being extorted by a police officer or other local official, offer to walk with them to the nearest police station. Once there, you can check their identity and their demands.
Cyber security
You may be at risk of cyber-based threats during overseas travel to any country. Digital identity theft is a growing concern. Your devices and personal data can be compromised, especially if you're connecting to Wi-Fi, using or connecting to shared or public computers, or to Bluetooth.
Social media can also be risky in destinations where there are social or political tensions or laws that may seem unreasonable by Australian standards. Travellers have been arrested for things they have said on social media. Don't comment on local or political events on your social media.
More information:
- Cyber security when travelling overseas
Kidnapping is common in parts of the Northern Caucasus.
It can be for:
- political purposes
- retribution
Foreigners have been targeted in the past.
If, despite the risks, you travel to an area where there is a particular threat of kidnapping:
- get professional security advice
The Australian Government's longstanding policy is that it doesn't make payments or concessions to kidnappers.
Climate and natural disasters
Severe weather during winter can disrupt travel in Russia.
To protect yourself from accidents caused by severe weather:
- take care when walking in snowy, icy or windy conditions
- take care when driving
- use appropriate driving equipment, such as winter tyres or chains
- monitor the media and other sources for updates
If you're delayed, contact local authorities about a visa extension if required.
In April, severe flooding affected multiple settlements across Russia in the South Urals region east of Moscow, in Western Siberia and near the Volga River.
Snow and ice
People are injured or killed yearly in wind, snow and ice-related accidents. These include:
- traffic accidents
- collapsed roofs and snow falling from roofs
- falling debris
- prolonged exposure to extreme cold
Slipping on ice can result in serious injuries, such as broken bones, back injuries or paralysis.
During summer, forest and peat fires can occur in Russia, including in the Moscow region.
Earthquakes and tsunamis
The North Caucasus and the far eastern region of Russia can experience earthquakes .
Tsunamis are common in all oceanic regions of the world.
To protect yourself from natural disasters, take official warnings seriously.
If a natural disaster occurs, follow the advice of local authorities.
Get updates on major disasters from the Global Disaster Alert and Coordination System .
Travel insurance
Most Australian travel insurance policies won't cover you for travel to Russia. Do not travel to Russia. See ' Safety '
If you're not insured, you may have to pay thousands of dollars up-front for medical care.
Physical and mental health
Do not travel to Russia. If, despite our advice, you travel to Russia, consider your physical and mental health before you travel, especially if you have an existing medical condition.
See your doctor or travel clinic to:
- have a basic health check-up
- ask if your travel plans may affect your health
- plan any vaccinations you need
Do this at least eight weeks before you leave.
If you have immediate concerns for your welfare or the welfare of another Australian, call the 24-hour Consular Emergency Centre on +61 2 6261 3305 or contact your nearest Australian Embassy, High Commission or Consulate to discuss counselling hotlines and services available in your location.
- General health advice (World Health Organization)
- Healthy holiday tips (Healthdirect Australia)
Medications
Not all medication available over the counter or by prescription in Australia is available in other countries. Some may even be considered illegal or a controlled substance, even if prescribed by an Australian doctor.
Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products.
If you plan to bring medication, check if it's legal in Russia. Take enough legal medication for your trip.
Russia has strict laws about the import and use of medications. This includes medications that are available over the counter in Australia, such as cold and flu tablets.
When you arrive in Russia, you must present a doctor's letter to authorities confirming your need for each medication. This is the case if your medications contain the following:
- barbiturate
- sibutramine
- anabolic steroids
- androgens and other sex hormones
- analgesic, such as tramadol
- psychostimulants
- other restricted substances
The letter must:
- contain a description of the medication, including the chemical composition
- describe the required dosage
- explain the underlying medical condition
- confirm the medicine is for personal use only
- be signed by your treating doctor
You must also have a notarised translation of the letter into Russian.
Before you leave Australia, contact the Embassy of Russia for the latest rules for bringing medicines into Russia.
- Russian Government website
Health risks
Tick-borne diseases.
Tick-borne encephalitis (World Health Organization) and other tick-borne diseases are a risk, especially if you travel through forested areas.
Ticks are common in rural areas from spring to autumn: April to October.
People have reported increased incidents of tick-borne encephalitis.
Measles cases can routinely occur in Russia, with the country currently experiencing increased measles activity. Make sure your vaccinations are up-to-date before you travel.
- Measles immunisation service (Department of Health and Aged Care)
Bird flu (avian influenza)
Avian influenza is a risk in Russia.
HIV/AIDS is a risk.
Take steps to reduce your risk of exposure to the virus.
There has been a reported increase in rabies across Russia.
Rabies is deadly. Humans can get rabies from mammals, such as:
- other animals
If you're bitten or scratched by a dog, monkey or other animal, get treatment as soon as possible.
Other health risks
Waterborne, foodborne, parasitic and other infectious diseases are common, including these listed by the World Health Organization:
- tuberculosis
Serious outbreaks sometimes occur.
To protect yourself from illness:
- drink boiled water or bottled water with sealed lids
- avoid ice cubes
- avoid uncooked and undercooked food, such as salads
- avoid unpasteurised dairy products
Get urgent medical attention if you have a fever or diarrhoea or suspect food poisoning.
Medical facilities
Public medical facilities in Russian cities are below Australian standards.
Standards are extremely basic in rural areas.
There are a few international-standard private facilities in major cities – these clinics can be very expensive to access.
Before you're treated, private facilities need either:
- up-front payment
- evidence of adequate insurance
- a written guarantee of payment
If you become seriously ill or injured, you'll need to be evacuated to get proper care. Medical evacuation can be very expensive.
You're subject to all local laws and penalties, including those that may appear harsh by Australian standards. Research local laws before travelling.
In July, the Russian President signed a decree banning gender changes, including gender transition surgery, hormone therapy and changing gender on official documents without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.
In November 2022, Russia's parliament passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing information or public display of any material promoting "non-traditional relationships" is now a serious criminal offence.
In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion has not been issued. The Russian Government may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government will not be able to intervene if you are subjected to mobilisation.
The US Government issued travel advice in March 2022 advising that Russian security services have arrested US citizens on spurious charges, singled out US citizens in Russia for detention and/or harassment, denied them fair and transparent treatment, and have convicted them in secret trials and/or without presenting credible evidence. The US Government warns that Russian officials may unreasonably delay consular assistance to detained US citizens.
Russian authorities have introduced criminal liability for publishing and distributing 'deliberately misleading' information about the Russian armed forces and any military operations. These laws have been interpreted and applied very broadly to many forms of dissent.
Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution.
If you're arrested or jailed, the Australian Government will do what it can to help you under our Consular Services Charter . But we can't get you out of trouble or out of jail.
Russian authorities imposed restrictions on real estate and foreign currency transactions for foreign residents. These restrictions can be revised at short notice. Seek advice from local authorities.
Possessing, selling, consuming, or carrying any illegal drugs is illegal.
Penalties are severe and include long prison terms.
Russia has strict rules around medication carried into the country for personal use, including some medications that you can get over the counter in Australia.
If you don't declare restricted medications, authorities could detain you. See Health .
- Carrying or using drugs
Routine police checks are common in public places.
Carry your passport, visa and migration card with you at all times. Authorities won't accept copies.
If you can't provide travel documentation on request, authorities can detain and fine you.
In Russia, it's illegal to:
- take photos of military places, strategic sites and other sensitive areas, such as passport control and guarded railway sites
- use commercial film, television or camera equipment in public areas without permission, but hand-held home video cameras are allowed
- use drones without permission from the Russian aviation authority.
Penalties for breaching the law include fines, jail and deportation.
Russia regulates religious activity. Authorities restrict activities such as preaching and distributing religious materials.
If you plan to engage in religious activity, ensure you're not breaking local laws.
Contact the Embassy or Consulate of Russia for more information.
Cybersecurity laws
Russia has blocked or restricted some social media platforms and websites, including Facebook, Instagram, LinkedIn and Twitter.
Russia has banned certain Virtual Private Networks (VPN) and has indicated it will implement a nationwide ban on VPNs in March 2025.
- Cyber security when travelling overseas
- Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor)
Official documents
Some Australian documents, such as birth or marriage certificates, need to be legalised before Russian authorities will accept them.
If you have an Australian document that you need to use while in Russia, contact the Embassy or Consulate of Russia for information.
Apostilles and some legal certificates can be issued by:
- DFAT in Australia
- Australian embassies and high commissions overseas
Surrogacy laws
Russia has laws governing child surrogacy and has passed legislation banning surrogacy for all foreigners except those married to Russian citizens. Recent court cases have resulted in long custodial sentences for some providers of surrogacy services. All children born through surrogacy in Russia are granted Russian citizenship, regardless of their parent's citizenship.
Get independent legal advice before making surrogacy arrangements in Russia or with residents of Russia.
- Going overseas for international surrogacy
- Going overseas to adopt a child
Australian laws
Some Australian criminal laws still apply when you're overseas. If you break these laws, you may face prosecution in Australia.
- Staying within the law and respecting customs
Dual nationality
Russia doesn't recognise dual nationality.
In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion hasn't been issued. Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you are subjected to mobilisation.
Conscription occurs regularly, and Russia may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. Conscription in Russia occurs semi-annually, and conscripts typically serve one year. From 1 January 2024, the maximum conscription age will change from 27 to 30 years old. Russian authorities have also passed laws allowing for the draft notice to be serviced to the conscripts online and preventing conscripts from leaving the country once the notice is registered and sent.
Russian authorities won't recognise your Australian nationality if you're a dual national. They will treat you like any other national of Russia.
If you're a dual national:
- you must enter and leave Russia on a Russian passport
- you can enter Russia using a repatriation certificate (svidetelstvo na vozvrashcheniye) if you don't have a Russian passport, but you must still leave Russia on a Russian passport
- you must declare any other nationalities or foreign residency permits to the Russian Ministry of Internal Affairs
- you could be conscripted into the Russian military if you're a male between the ages of 18 and 30
If you're a dual national, this limits the consular services we can give if you're arrested or detained.
Contact the Embassy or Consulate of Russia well before any planned travel to Russia.
Dual nationals can't leave Russia without a valid Russian passport.
You'll need to get a new Russian passport before you leave if:
- your Russian passport expires while you're in Russia
- you enter Russia using a repatriation certificate
Getting a new Russian passport for non-residents is complex and can take up to 3 months. The Australian Government is unable to intervene or fast-track this process.
Children born outside Russia and added to their parents' Russian passports need their own passport to leave Russia.
If you're travelling alone with a child, Russian border authorities may require the following:
- documentary evidence of your relationship to the child
- written permission for the child to travel from the non-travelling parent
- Dual nationals
Local customs
Same-sex relationships are legal in Russia but not widely accepted.
Intolerance towards the LGBTI community is common, particularly outside Moscow and St Petersburg.
People have reported violence against members of the LGBTI community, including by local security forces.
In April 2017, there were reports of arrests and violence against LGBTI people in Chechnya.
In November 2022, Russia passed a law banning "LGBT propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing or displaying material promoting "non-traditional relationships" is now a serious criminal offence. The bill broadens the existing law banning the promotion of 'non-traditional sexual relationships' to minors.
- Advice for LGBTI travellers
Visas and border measures
Every country or territory decides who can enter or leave through its borders. For specific information about the evidence you'll need to enter a foreign destination, check with the nearest embassy, consulate or immigration department of the destination you're entering.
Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.
You need a visa to enter Russia unless you're travelling on certain commercial cruise ships.
You can't get a visa on arrival.
If you arrive in Russia without a valid visa, authorities will fine, detain and deport you at your own expense. They may bar you from re-entering.
Make sure you apply for the correct visa type, such as 'tourist' and 'visitor' visas.
If your visa type doesn't match the purpose of your visit, authorities may:
- not let you enter
You may need to provide biometric fingerprints for the visa application process.
After you get your Russian visa, check your passport details are correct, including the following:
- passport number
- date of birth
- intention of stay
- validity dates
If there are errors, return your passport to the Russian Embassy or Consulate for correction.
It's impossible to amend visa details once you're in Russia.
Discuss your travel plans with your cruise operator before you travel to check if you need a visa.
Check transit visa requirements if you transit through Russia to a third country.
- Russian Embassy
- Going on a cruise
Border measures
If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices.
Entry and exit conditions can change at short notice. Contact the nearest embassy or consulate for details about visas, currency, customs and quarantine rules.
Australians sanctioned by Russia
The Russian Foreign Ministry issued statements on its website advising that, in response to Australian sanctions, the Russian Government had added several Australians to a 'stop list', denying them entry into Russia on an indefinite basis.
These statements can be viewed here (copy and paste the URL into a new browser if you can't open the link):
- 17 April 2024 statement – https://www.mid.ru/ru/foreign_policy/news/1944697/ (in Russian)
- 21 June 2023 statement - https://mid.ru/en/foreign_policy/news/1890258/
- 16 September 2022 statement - https://mid.ru/ru/foreign_policy/news/1830085/ (in Russian)
- 21 July 2022 statement - https://www.mid.ru/en/foreign_policy/news/1823204/
- 16 June 2022 statement - https://www.mid.ru/en/foreign_policy/news/1818118/
- 7 April 2022 statement - https://www.mid.ru/en/foreign_policy/news/1808465/
DFAT can't provide advice on the implications of another country's sanctions. If you're listed, you should obtain legal advice if you have concerns about the potential impacts of the Russian sanctions. Do not travel to Russia if you're on Russia's 'stop list'.
Other formalities
Migration card.
All foreign visitors receive a migration card on arrival in Russia.
If you receive a paper migration card, keep the stamped exit portion of the card with your passport.
The migration card covers both Russia and Belarus. You must show the stamped card to passport control when leaving either country.
If you lose your migration card:
- your departure could be delayed
- you could be stopped from staying at a hotel in Russia
You can get a replacement from the Russian Ministry of Internal Affairs, which is complex and could delay your departure.
Biometric fingerprinting
Foreign citizens entering Russia for work or intending to stay over 90 calendar days may be subject to biometric fingerprinting and regular medical check-ups. The procedure of biometric fingerprinting will need to be done only once. Medical check-ups will need to be re-taken upon the certificate's expiry (valid for 1 year).
Travel with children
If you're travelling with a child , you may need to show evidence of parental, custodial or permission rights. This is particularly the case for dual nationals. See Local laws
- Advice for people travelling with children
Electronics
The government strictly controls the import of electrical and some high-technology equipment.
The rules are complex.
You may import terminal global positioning systems (GPS) devices if you declare them on arrival. However, you'll need a special permit to import a GPS device connected to a computer or an antenna.
Authorities can detain you if you don't have a permit.
You must show proof of advanced approval to import a satellite phone. Request approval from the Federal Service for the Supervision of Communications .
Russian border officials can demand to inspect any electronic device, including installed software when you leave.
Travel between Russia and Belarus
Do not travel to Russia and Belarus due to the security environment and impacts of the Russian invasion of Ukraine. If you’re in Russia or Belarus, leave immediately using the limited commercial options available or private means if it's safe to do so.
If, despite our advice, you decide to enter Belarus from Russia, note that the government doesn't allow foreigners to cross the land border between Russia and Belarus.
If you travel between Russia and Belarus, it must be by air.
If you're travelling between Russia and Belarus, you must have visas for both countries.
Visa-free entry into Belarus doesn't apply to travellers arriving from or travelling to Russia.
Contact the Embassy of Russia and the Ministry of Foreign Affairs of Belarus for details.
Registering your stay in Russia
If you stay more than 7 working days, including your arrival and departure day, you must register with the Russian Ministry of Internal Affairs.
You have to pay a registration fee.
Most hotels do this for their guests, but you're legally responsible. Confirm with check-in staff on arrival that they've registered you.
The registration process can be complex if you're not staying at a hotel.
Register at the nearest post office if you're travelling on a visitor visa.
Register through your employer if you're travelling on a visa that lets you work. Confirm with your employer that they've registered you.
If you don't register, authorities can fine you or delay your departure.
- The Russian Embassy
Visa overstays
Make sure you leave Russia before your visa expires. Some visas, including tourist visas, can't be extended.
If you overstay your visa, you won't be allowed to leave Russia until the Russian Ministry of Internal Affairs determines your legal status or deports you.
Authorities can detain you until they've processed your case.
Penalties for overstaying include fines and deportation.
You may be banned from re-entering.
Exporting goods
Russia has imposed temporary restrictions on exporting certain categories of goods, including foreign-made medical products. Seek advice from local authorities.
Russia has strict regulations on the export of antiques, artworks and items of historical significance. This is for items purchased in Russia or imported to Russia from overseas. It includes modern art and posters if they are particularly rare or valuable.
Authorities may not allow the export of items more than 100 years old.
If you want to export any antiques, artworks or items of historical significance:
- keep receipts of your purchases
- obtain an export permit from the Ministry of Culture in advance of travel — export permits aren't issued at the airport
- declare each item to border authorities when you leave Russia
- be ready to show each item to border authorities
- be ready to show receipts for each item to border authorities
Don't try to export items requiring permits without the relevant paperwork. This is a serious offence.
Legislation about the export of artwork and antiques from Russia may change without warning.
Some countries won't let you enter unless your passport is valid for six months after you plan to leave that country. This can apply even if you're just transiting or stopping over.
Some foreign governments and airlines apply the rule inconsistently. Travellers can receive conflicting advice from different sources.
You can end up stranded if your passport is not valid for more than six months.
The Australian Government does not set these rules. Check your passport's expiry date before you travel. If you're not sure it'll be valid for long enough, consider getting a new passport .
Lost or stolen passport
Your passport is a valuable document. It's attractive to people who may try to use your identity to commit crimes.
Some people may try to trick you into giving them your passport. Always keep it in a safe place.
If your passport is lost or stolen, tell the Australian Government as soon as possible:
- In Australia, contact the Australian Passport Information Service .
- If you're overseas, contact the nearest Australian embassy or consulate .
If your passport is lost or stolen while ashore, you will need to obtain an emergency passport and an exit visa to leave Russia within the 72-hour visa-free period. If it’s not done within 72 hours, you will face a court hearing and possible fine, deportation and entry ban.
To arrange a new visa:
- obtain an official police report
- apply for a replacement passport through the Australian Embassy in Moscow
- apply to Russian authorities for an exit visa
- include the police report with your application
If you replace your passport while in Russia, make sure authorities transfer your visa to the new passport.
Passport with 'X' gender identifier
Although Australian passports comply with international standards for sex and gender, we can't guarantee that a passport showing 'X' in the sex field will be accepted for entry or transit by another country. Contact the nearest embassy, high commission or consulate of your destination before you arrive at the border to confirm if authorities will accept passports with 'X' gender markers.
More information:
- LGBTI travellers
The currency of Russia is the Rouble (RUB).
Russian authorities have imposed temporary restrictions on the export of foreign currency in cash out of Russia. Travellers exiting Russia can't take more than the equivalent of $US10,000 in cash.
Make sure a customs official stamps your declaration. Only stamped declarations are valid.
You must carry proof that your funds were imported and declared or legally obtained in Russia.
Due to the Russian invasion of Ukraine, Mastercard, Visa, and American Express have suspended operations in Russia. Cards issued outside of Russia will not work at Russian merchants or ATMs. Cards issued inside Russia may continue to work, but they won't work outside Russia. It may not be possible for you to access your funds through Russian banks or to make payments to Russian businesses with non-Russian credit/debit cards. Be prepared with alternate means of payment should your cards be declined.
You may not be able to exchange Australian dollars as well as old, worn or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay in Russia.
Traveller's cheques aren't widely accepted, even in Moscow and St Petersburg.
Local travel
Postal services between Russia and Australia are temporarily suspended.
More information
- Australia Post website
Confirm with your transport operator that services are still operating if you plan to depart Russia. Commercial travel routes between Russia and Europe are disrupted. Expect thorough security checks at the border, including questioning and inspections of electronic devices.
Flights between Russia and Europe have been affected by measures taken in response to the Russian invasion of Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities. The train and bus service between St Petersburg and Helsinki is suspended.
Finland has closed border crossings with Russia indefinitely and maritime borders will close on 15 April.
Latvia introduced an entry ban on vehicles registered in Russia in September 2023. More information can be found on the State Revenue Service website . There's a ban on vehicles crossing into/from Estonia at the Ivangorod-Narva crossing. Train service is also suspended. Entry and exit on foot will still be allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice.
If you're travelling through an overland border crossing into Estonia or Latvia , confirm the entry requirements for your destination before arrival.
Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers. Confirm entry requirements for your destination before arrival, as additional restrictions or entry requirements could be imposed or changed suddenly.
If, despite our advice, you decide to go to Chechnya or the North Caucasus, you must first get permission from the Russian Ministry of Internal Affairs.
Several other areas of Russia, especially in Siberia and the Russian Far East, are also 'closed' areas.
Foreigners need government permission to enter 'closed' areas.
If you need government permission or are unsure if you need it, contact the Russian Ministry of Internal Affairs.
Driving permit
You should carry an International Driving Permit (IDP).
You may drive with an Australian driver's license if you carry it with a notarised Russian translation.
Road travel
Driving in Russia can be hazardous due to:
- poor driving standards
- ice and snow in winter
- poor road conditions in rural areas
The blood alcohol limit for drivers is 0%.
- Driving or riding
- the Russian Embassy
Some taxis appear official but aren't licensed by local authorities.
People have reported extortion and robbery while taking unauthorised taxis. See Safety
Book an official taxi by phone, at major hotels and from inside airports.
Flights from Russia to other countries are limited. These may change or be suspended at short notice. You should contact airlines or travel agents directly for the most current information.
The EU announced that 21 Russian-owned airlines were banned from flying in EU airspace due to safety concerns.
Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. If you're flying domestically or internationally, research your aviation provider before choosing their services.
DFAT doesn't provide information on the safety of individual commercial airlines or flight paths.
Check Russia's air safety profile with the Aviation Safety Network
Emergencies
Depending on what you need, contact your:
- family and friends
- travel agent
- insurance provider
Always get a police report when you report a crime.
Your insurer should have a 24-hour emergency number.
Consular contacts
Read the Consular Services Charter for what the Australian Government can and can't do to help you overseas.
For consular help, contact the Australian Embassy in Moscow. Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.
Australian Embassy, Moscow
13 Kropotkinsky Pereulok Moscow 119034 Russia Phone: (+7 495) 956-6070 Fax: (+7 495) 956-6170 Website: russia.embassy.gov.au Twitter: @PosolAustralia
If you're in St Petersburg, you can also contact the Australian Consulate for limited consular help.
Australian Consulate, St Petersburg
Moika 11 St Petersburg 191186 Russia Tel: (+7 964) 333 7572 (NOT for visas) Email: [email protected] (NOT for visas)
Check the Embassy website for details about opening hours and any temporary closures.
24-hour Consular Emergency Centre
Australians in need of consular assistance should contact the Australian Government 24-hour Consular Emergency Centre:
- +61 2 6261 3305 from overseas
- 1300 555 135 in Australia
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