Best Travel Insurance for Norfolk Island in 2025
- The best travel insurance plans for Norfolk Island
- Is it currently safe to travel to</b> Norfolk Island?
- Is travel insurance required by law to enter Norfolk Island?
- Why take out travel insurance for Norfolk Island?
- What should travel insurance for Norfolk Island cover?
- The cost of travel insurance for Norfolk Island
- How to pay less for your travel insurance to Norfolk Island
- Can I rely on my current insurance to cover me in Norfolk Island?
- FAQ
Travel insurance for Norfolk Island: key takeaways
1. Definition: Travel insurance for Norfolk Island covers medical emergencies, trip cancellation, and other unforeseen travel disruptions.
2. Key protection: Insurance is not mandatory but is vital due to the island's remote location and limited medical facilities.
3. Healthcare cost: Healthcare is expensive; a medical evacuation to mainland Australia can cost over $30,000 USD.
4. Price: A one-week travel insurance policy for Norfolk Island typically costs between $30 and $60 USD.
5. Good to know: Your US health insurance, including Medicare, likely will not cover you on Norfolk Island.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Norfolk Island.
The best travel insurance plans for Norfolk Island
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.1M USD | Strong choice for travelers to Norfolk Island, offering high health benefits and clear conditions. - high coverage ceiling - flexible terms - repatriation |
| Cap Assistance 24/24 | 1.1M USD | Excellent for round-the-clock support and straightforward processes. - 24/7 support - cancellation coverage - no deductible |
| Tourist Card | 550k USD | Good basic protection for leisure or short visits. - robust health cover - emergency services - easy to claim |
| Travel Pass Monde | 770k USD | A reliable plan for extended stays or multi-leg trips. - medical repatriation - hospital costs abroad - broad international validity |
| Globe Partner | 330k USD | Core coverage for essential medical and travel risks. - overseas medical care - repatriation included - civil liability |
| Globe Traveller | 550k USD | Practical for short or straightforward trips to Norfolk Island. - essential medical protection - fast claim process - limited but realistic ceiling |
- high coverage ceiling
- flexible terms
- repatriation
- 24/7 support
- cancellation coverage
- no deductible
- robust health cover
- emergency services
- easy to claim
- medical repatriation
- hospital costs abroad
- broad international validity
- overseas medical care
- repatriation included
- civil liability
- essential medical protection
- fast claim process
- limited but realistic ceiling
Is it currently safe to travel to Norfolk Island?
As of June 2025, the U.S. Department of State advises that Norfolk Island is considered safe for U.S. travelers, with no specific alerts in place.
Here are their four main recommendations.
- Security risks: crime rates are very low on Norfolk Island, but travelers should maintain vigilance with personal belongings in public areas, such as Kingston’s shopping areas. Petty theft is rare but not unknown during festival periods.
- Health risks: no vaccinations are required for entry, but routine immunizations, including COVID-19 and hepatitis, are recommended by the CDC. High-quality medical care is available, but visitors may be required to pay upfront for some services, and medical evacuation to mainland Australia is possible in serious cases.
- Legal constraints: customs and quarantine regulations are strictly enforced, including on food and plant products. All travelers must comply with biosecurity screening on arrival from Australia or New Zealand.
- Environmental factors: Norfolk Island is subject to occasional severe weather, such as cyclones or strong winds, which may cause transportation disruptions, especially between October and April.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Norfolk Island.
Is travel insurance required by law to enter Norfolk Island?
No, travel insurance is not legally mandatory for U.S. citizens to enter Norfolk Island.
It is still strongly recommended because even though Australian Medicare covers certain medical services on Norfolk Island, U.S. travelers are not eligible. Out-of-pocket payments may be required, and travel insurance can protect against issues like cancellations and baggage loss.
According to our data, 80% of travelers purchase travel insurance before going to Norfolk Island, mainly due to the cost of out-of-pocket medical treatment and the need for coverage in unforeseen situations.
Why take out travel insurance for Norfolk Island?
It is an essential financial and medical protection for anyone going to Norfolk Island.
On Norfolk Island, medical care is available at Norfolk Island Health and Residential Aged Care Service in Burnt Pine, but fees for overseas visitors are high and up-front payment is required. Medical evacuation to mainland Australia, if necessary, involves considerable costs not covered for U.S. travelers.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the United States in case of a serious issue.
Here are some examples of healthcare costs in Norfolk Island.
| Example of medical treatment | Cost at Norfolk Island Health and Residential Aged Care Service | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | AUD 4,000 (about $2,700) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | AUD 2,500 (about $1,700) | up to 100% |
| I need to be repatriated | AUD 30,000 (about $20,400) | up to 100% |
| I have appendicitis (consultation and surgery) | AUD 10,000 (about $6,800) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Norfolk Island cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers costs for doctor visits, hospitalization, and treatment in case of illness or accidents. The recommended minimum reimbursement limit is $50,000. |
| 🚑 Medical evacuation | Pays for emergency transport to the mainland or the US if needed. A minimum recommended limit is $100,000, even though the Australian government may cover evacuation. |
| ✈️ Trip cancellation | Reimburses non-refundable expenses if you have to cancel your trip for a covered reason. At least $5,000 is suggested for Norfolk Island. |
| 🧳 Baggage loss/delay | Compensates for lost, stolen, or delayed luggage and personal belongings. Look for a minimum of $1,500 in coverage. |
| 🛑 Trip interruption | Pays for extra costs if you need to cut your trip short due to a covered reason. Minimum limit recommended is $5,000. |
| 💼 Personal liability | Provides coverage if you accidentally injure someone or damage property abroad. Suggested minimum coverage: $50,000. |
| 🌐 24/7 assistance | Gives access to emergency support, translation, and help with legal or health-related services. Always ensure this is included in your plan. |
The recommended minimum reimbursement limit is $50,000.
A minimum recommended limit is $100,000, even though the Australian government may cover evacuation.
At least $5,000 is suggested for Norfolk Island.
Look for a minimum of $1,500 in coverage.
Minimum limit recommended is $5,000.
Suggested minimum coverage: $50,000.
Always ensure this is included in your plan.
Travel insurance from a local provider or bank card can have restricted coverage, low reimbursement limits, and more exclusions. A reliable insurer offering comprehensive coverage is a safer option. Compare leading plans on HelloSafe and subscribe online for immediate policy confirmation.
The cost of travel insurance for Norfolk Island
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $23 |
| 2 weeks | 45 years old | $41 |
| 1 month | 35 years old | $82 |
| 1 month | 70 years old | $155 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is shaped by several key details. Be aware of how your age, trip duration, destination, and selected options like cancellation coverage affect the final cost. Considering these factors is crucial to finding the right plan that fits your specific travel needs and budget without any surprises.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Norfolk Island
Here are some suggestions to optimize the cost of your travel insurance to Norfolk Island while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🏥 Level of coverage | Adequate medical, evacuation, and liability coverage is important, even with quality local care. | Compare basic and enhanced medical limits, and select only the level you realistically need for your trip. |
| 👥 Number of travelers | Costs rise with family or group coverage, and needs vary based on group makeup. | Look for family or group discounts and consider a plan that covers children for free or at reduced cost. |
| ⏳ Trip duration | Insurance premiums increase the longer your stay, especially for extended trips or long vacations. | Buy insurance only for actual days overseas, not rounding up, to avoid unnecessary premium increases. |
| 🧳 Baggage and belongings limit | Norfolk Island is safe but luggage delays or losses still occur, especially on long-haul flights. | Opt for moderate protection if you’re not carrying valuables, instead of high baggage coverage limits. |
| 🌐 Geographic coverage | Some insurers cover Australia and Norfolk Island as a package, which may reduce premiums. | Select Australia or Pacific region coverage only, rather than worldwide, to reduce unnecessary premium costs. |
| 🧑 Traveller’s age | Price can increase sharply for those over 60 with some insurers, while others keep stable pricing. | Compare offers by age group. Heymondo does not increase its prices for people over 62. |
| ⚡ Deductible/Excess | Higher deductibles lower your upfront cost but increase out-of-pocket expenses for smaller claims. | Opt for a higher deductible to lower your premium if you expect to claim only for major incidents. |
Can I rely on my current insurance to cover me in Norfolk Island?
It is reasonable to wonder whether your current coverage, such as credit card insurance or your public health insurance, can protect you during a trip to Norfolk Island. Unfortunately, this coverage is usually limited or insufficient, especially outside the United States and Australia.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Norfolk Island? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for overseas emergencies or hospital services. | Travel insurance covers up to $250,000 for medical and emergency evacuation. |
| Private health insurance (Aetna, UnitedHealthcare, Cigna) | Yes, partly | May reimburse overseas health expenses after return, up to $10,000. No evacuation coverage. | Travel insurance can provide $500,000+, direct hospital pay, plus evacuation and assistance. |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Health < $2,500. No baggage loss, limited trip delay, no evacuation or hospital coverage. | Travel insurance offers $100,000+ for medical plus baggage and trip cancellation. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical < $50,000, some delay and baggage coverage. No evacuation or high-limit hospital care. | Travel insurance includes $500,000 health and evacuation, and 24/7 global support. |
Example
While snorkeling on Norfolk Island, Sarah's severe infection required a $40,000 medevac to Sydney. Her US health insurance provided no coverage, and her Chase Sapphire card's travel benefit was capped at $2,000. She faced a shocking $38,000 bill for what started as a minor cut on her vacation.
Expert advice
Always check your existing insurance for coverage terms, exclusions, and limits. Essential situations, like trip interruption for a relative’s illness, may not be covered. Read the policy carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Norfolk Island?
Yes, U.S. citizens require either a visa or an Electronic Travel Authority (ETA) for tourism or business visits to Norfolk Island, as it follows the same entry requirements as mainland Australia. An ETA can be easily obtained online or through the Australian ETA app before your trip.
How do I purchase travel insurance for Norfolk Island?
1/ Compare: Begin by using the HelloSafe travel insurance comparison tool to review policy options for Norfolk Island.
2/ Check cover and exclusions: Look for plans that specifically cover travel to Norfolk Island and review any exclusions or coverage limits.
3/ Buy online: Select your preferred insurance plan and finalize the purchase through the provider’s online platform.
4/ Receive your certificate: Your insurance certificate will be delivered electronically; print or save a copy to take with you.
Is medical care expensive for U.S. travelers on Norfolk Island?
Medical care is considered high quality, but U.S. travelers may need to pay upfront for treatment. While evacuation to mainland Australia is covered by the government in emergencies, travel insurance is advised to help with other medical costs that can exceed $1,000, as well as for private care, prescriptions, or unexpected health incidents.
Are there unique travel risks on Norfolk Island that insurance should cover?
Norfolk Island is generally safe, but remote location means flight disruptions, natural events, or lost luggage can be harder to resolve. Comprehensive travel insurance helps cover additional costs if flights are canceled, plans change unexpectedly, or baggage is lost during international connections.
Will my U.S. health insurance or Medicare cover me in Norfolk Island?
Most U.S. health insurance policies, including Medicare and Medicaid, do not cover overseas care. Australian Medicare does not apply for visitors from the United States. Travel insurance is strongly recommended to avoid high out-of-pocket expenses for medical care or emergency situations while on the island.
Can I purchase travel insurance at the last minute before leaving for Norfolk Island?
Yes, many insurers allow you to buy travel insurance right up to your departure date. However, to ensure full benefits, including coverage for trip cancellations or interruptions, it is best to purchase your policy as soon as you book your travel to Norfolk Island.
Do I need a visa to travel to Norfolk Island?
Yes, U.S. citizens require either a visa or an Electronic Travel Authority (ETA) for tourism or business visits to Norfolk Island, as it follows the same entry requirements as mainland Australia. An ETA can be easily obtained online or through the Australian ETA app before your trip.
How do I purchase travel insurance for Norfolk Island?
1/ Compare: Begin by using the HelloSafe travel insurance comparison tool to review policy options for Norfolk Island.
2/ Check cover and exclusions: Look for plans that specifically cover travel to Norfolk Island and review any exclusions or coverage limits.
3/ Buy online: Select your preferred insurance plan and finalize the purchase through the provider’s online platform.
4/ Receive your certificate: Your insurance certificate will be delivered electronically; print or save a copy to take with you.
Is medical care expensive for U.S. travelers on Norfolk Island?
Medical care is considered high quality, but U.S. travelers may need to pay upfront for treatment. While evacuation to mainland Australia is covered by the government in emergencies, travel insurance is advised to help with other medical costs that can exceed $1,000, as well as for private care, prescriptions, or unexpected health incidents.
Are there unique travel risks on Norfolk Island that insurance should cover?
Norfolk Island is generally safe, but remote location means flight disruptions, natural events, or lost luggage can be harder to resolve. Comprehensive travel insurance helps cover additional costs if flights are canceled, plans change unexpectedly, or baggage is lost during international connections.
Will my U.S. health insurance or Medicare cover me in Norfolk Island?
Most U.S. health insurance policies, including Medicare and Medicaid, do not cover overseas care. Australian Medicare does not apply for visitors from the United States. Travel insurance is strongly recommended to avoid high out-of-pocket expenses for medical care or emergency situations while on the island.
Can I purchase travel insurance at the last minute before leaving for Norfolk Island?
Yes, many insurers allow you to buy travel insurance right up to your departure date. However, to ensure full benefits, including coverage for trip cancellations or interruptions, it is best to purchase your policy as soon as you book your travel to Norfolk Island.
