{"id":27258,"date":"2025-06-23T09:54:48","date_gmt":"2025-06-23T07:54:48","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=27258"},"modified":"2026-02-13T11:40:46","modified_gmt":"2026-02-13T09:40:46","slug":"assurance-voyage-australie-guide-complet","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/assurance-voyage-australie-guide-complet\/","title":{"rendered":"Quelle assurance voyage Australie choisir en 2026 ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Partir en Australie est un r\u00eave pour beaucoup, que ce soit pour un s\u00e9jour touristique, un PVT (Working Holiday Visa), des \u00e9tudes ou une expatriation. Mais avant de poser vos valises, il est essentiel de souscrire une <strong><a href=\"https:\/\/carexpat.com\/blog\/expatriation-australie\/\" target=\"_blank\" rel=\"noreferrer noopener\">assurance voyage Australie<\/a><\/strong> adapt\u00e9e. Pourquoi ? Parce que les frais m\u00e9dicaux y sont extr\u00eamement \u00e9lev\u00e9s et que votre s\u00e9curit\u00e9 sociale fran\u00e7aise ne vous couvre pas \u00e0 l\u2019\u00e9tranger. D\u00e9couvrez comment choisir la meilleure couverture en 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi souscrire une assurance sant\u00e9 internationale Australie ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019Australie est r\u00e9put\u00e9e pour ses paysages \u00e0 couper le souffle, mais aussi pour ses co\u00fbts m\u00e9dicaux parmi les plus chers au monde :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consultation chez un g\u00e9n\u00e9raliste :<\/strong> 90 \u00e0 130 $ AUD<\/li>\n\n\n\n<li><strong>Visite aux urgences :<\/strong> environ 400 \u00e0 600 $ AUD<\/li>\n\n\n\n<li><strong>Hospitalisation de 3 jours :<\/strong> jusqu\u2019\u00e0 5 000 $ AUD<\/li>\n\n\n\n<li><strong>Radio ou scanner :<\/strong> 600 $ AUD ou plus<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sans une <strong>assurance sant\u00e9 Australie<\/strong> adapt\u00e9e, ces d\u00e9penses seront \u00e0 votre charge. Une bonne <strong>assurance voyage Australie<\/strong> couvre non seulement vos frais m\u00e9dicaux, mais aussi le rapatriement, la responsabilit\u00e9 civile, et vous apporte une assistance en cas d\u2019urgence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or, <strong>aucune couverture m\u00e9dicale publique fran\u00e7aise ne vous prot\u00e8ge sur place<\/strong>. En cas de souci, vous devrez r\u00e9gler tous les frais vous-m\u00eame, sauf si vous avez une assurance voyage ou sant\u00e9 adapt\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, une bonne assurance inclut g\u00e9n\u00e9ralement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le remboursement des <strong>frais m\u00e9dicaux et hospitalisation<\/strong><\/li>\n\n\n\n<li>La <strong>responsabilit\u00e9 civile \u00e0 l\u2019\u00e9tranger<\/strong><\/li>\n\n\n\n<li>Le <strong>rapatriement m\u00e9dical<\/strong><\/li>\n\n\n\n<li>L\u2019<strong>assistance juridique<\/strong> et la protection en cas de vol, retard, ou perte de bagages<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Et Medicare alors ? <\/strong>Medicare est le syst\u00e8me public australien. Il ne couvre pas les Fran\u00e7ais, sauf exception (citoyens ayant la r\u00e9sidence permanente, ou ressortissants du Royaume-Uni\/Nouvelle-Z\u00e9lande). Vous ne pouvez pas en b\u00e9n\u00e9ficier avec un visa PVT, \u00e9tudiant ou touriste.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quelle assurance PVT Australie choisir ?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vous partez en vacances ou en tourisme<\/strong> (moins de 90 jours)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez parfois b\u00e9n\u00e9ficier d\u2019une assurance voyage via <strong>votre carte bancaire<\/strong> (Visa Premier, Mastercard Gold\u2026). Mais attention : elle <strong>ne suffit pas toujours<\/strong>, surtout si vous partez plus de 90 jours ou faites des activit\u00e9s \u00e0 risque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e9rifiez :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le plafond des frais m\u00e9dicaux<\/li>\n\n\n\n<li>La dur\u00e9e maximale de couverture<\/li>\n\n\n\n<li>Les exclusions sportives ou m\u00e9dicales<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous partez plus longtemps ou souhaitez une couverture compl\u00e8te, optez pour un contrat d\u00e9di\u00e9 comme <strong>Globe Traveller<\/strong>, qui couvre les soins, le rapatriement, les bagages et plus.<\/p>\n\n\n\n<div class=\"wp-block-divi-layout\"><h2>carexpat.com, la nouvelle fa\u00e7on de<br><span style=\"color: #15203d;\">s&rsquo;assurer \u00e0 l&rsquo;\u00e9tranger<\/span><\/h2><h3><span style=\"color: #DBDB19; font-size: 22px;\">1.<\/span>&nbsp;&nbsp;Meilleurs prix<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Sans surco\u00fbt sur les tarifs assureurs,<br>\n&nbsp;&nbsp;nous comparons + de 300 offres d&rsquo;assurance<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">2.<\/span>&nbsp;&nbsp;Simplicit\u00e9<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Un parcours simple pour s\u00e9lectionner votre<br>\n&nbsp;&nbsp;solution en quelques clics<\/li>\n<\/ul><h3><span style=\"color: #DBDB19; font-size: 22px;\">3.<\/span>&nbsp;&nbsp;Accompagnement<\/h3>\n<ul>\n<li>&nbsp;&nbsp;Nos conseillers sont l\u00e0 pour un<br>\n&nbsp;&nbsp;accompagnement 100% personnalis\u00e9<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vous partez avec un visa PVT \/ WHV Australie<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>visa Working Holiday<\/strong> (PVT) permet aux jeunes Fran\u00e7ais et Belges de vivre en Australie jusqu\u2019\u00e0 12 mois. L&rsquo;assurance sant\u00e9 est <strong>fortement recommand\u00e9e<\/strong>, voire exig\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une bonne <a href=\"https:\/\/carexpat.com\/blog\/preparer-son-pvt\/\" target=\"_blank\" rel=\"noreferrer noopener\">assurance PVT<\/a> doit couvrir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les <strong>soins m\u00e9dicaux d&rsquo;urgence<\/strong><\/li>\n\n\n\n<li>Le <strong>rapatriement<\/strong><\/li>\n\n\n\n<li>La <strong>responsabilit\u00e9 civile<\/strong><\/li>\n\n\n\n<li>Les accidents li\u00e9s \u00e0 un job, du Wwoofing, ou du HelpX<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un <strong>comparatif des assurances PVT populaires en 2025<\/strong> (tarifs pour 12 mois avec r\u00e9duction) :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Assurance<\/strong><\/td><td><strong>Frais m\u00e9dicaux<\/strong><\/td><td><strong>Responsabilit\u00e9 civile<\/strong><\/td><td><strong>Bagages<\/strong><\/td><td><strong>Tarif annuel<\/strong><\/td><\/tr><tr><td>Chapka<\/td><td>Illimit\u00e9s<\/td><td>4 000 000 \u20ac<\/td><td>2 000 \u20ac<\/td><td>432 \u20ac<\/td><\/tr><tr><td>Yupwego<\/td><td>500 000 \u20ac<\/td><td>Optionnelle<\/td><td>2 000 \u20ac<\/td><td>468 \u20ac<\/td><\/tr><tr><td>ACS<\/td><td>Illimit\u00e9s<\/td><td>4 500 000 \u20ac<\/td><td>2 000 \u20ac<\/td><td>404,40 \u20ac<\/td><\/tr><tr><td>GObyAVA<\/td><td>Illimit\u00e9s<\/td><td>4 000 000 \u20ac<\/td><td>2 000 \u20ac<\/td><td>390 \u20ac<\/td><\/tr><tr><td>AVI<\/td><td>1 000 000 \u20ac<\/td><td>4 500 000 \u20ac<\/td><td>2 000 \u20ac<\/td><td>396 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vous partez en \u00e9tudes, stage ou programme linguistique<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9tudier ou faire un stage en Australie, vous devez souscrire une <strong>assurance sant\u00e9 internationale Australie<\/strong> adapt\u00e9e \u00e0 votre visa \u00e9tudiant. Ces contrats couvrent les soins m\u00e9dicaux, les hospitalisations, le rapatriement, mais aussi des garanties sp\u00e9cifiques comme l\u2019interruption d\u2019\u00e9tudes ou la responsabilit\u00e9 civile li\u00e9e aux stages. Un visa \u00e9tudiant australien exige <strong>une assurance sant\u00e9 internationale<\/strong>. Les contrats comme <strong>Globe Partner<\/strong> sont con\u00e7us sp\u00e9cialement pour les \u00e9tudiants et stagiaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 v\u00e9rifier :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Couverture des <strong>frais m\u00e9dicaux et hospitalisation<\/strong><\/li>\n\n\n\n<li>Garantie <strong>interruption d\u2019\u00e9tudes<\/strong><\/li>\n\n\n\n<li>RC <strong>pour objets confi\u00e9s en stage<\/strong><\/li>\n\n\n\n<li>Option <strong>rapatriement et assistance 24\/7<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vous partez en s\u00e9jour au pair ou linguistique<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous partez en s\u00e9jour au pair ou en programme linguistique, assurez-vous d\u2019avoir une <strong><a href=\"https:\/\/carexpat.com\/assurance-sante\/voyage\" target=\"_blank\" rel=\"noreferrer noopener\">assurance voyage Australie<\/a><\/strong> qui couvre toute la dur\u00e9e de votre s\u00e9jour, y compris les soins d\u2019urgence et le rapatriement. Certaines agences incluent l\u2019assurance, sinon pensez \u00e0 souscrire <strong>vous-m\u00eame une formule adapt\u00e9e<\/strong>, comme <strong>Globe Partner<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vous partez en expatriation longue dur\u00e9e<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/carexpat.com\/blog\/ou-vivent-les-francais-en-australie\/\">Vivre plusieurs ann\u00e9es en Australie<\/a> n\u00e9cessite une protection sant\u00e9 compl\u00e8te. L\u2019<strong>assurance sant\u00e9 Australie<\/strong> pour expatri\u00e9s offre des garanties \u00e9tendues : soins m\u00e9dicaux, hospitalisation, soins de confort (optique, dentaire), maternit\u00e9, enfants\u2026 Bien plus qu\u2019une simple assurance voyage. Contrairement aux assurances voyage, elle couvre aussi :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les soins \u201cde confort\u201d (optique, dentaire\u2026)<\/li>\n\n\n\n<li>Les soins de pr\u00e9vention<\/li>\n\n\n\n<li>La maternit\u00e9<\/li>\n\n\n\n<li>Les enfants et la famille<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 comparer avec des contrats comme <strong>ACS Expatriation<\/strong> &#8211; N&rsquo;h\u00e9sitez pas \u00e0 utiliser carexpat.com, le <a href=\"https:\/\/carexpat.com\/assurance-sante\/working-holiday\" target=\"_blank\" rel=\"noreferrer noopener\">premier comparateur d&rsquo;assurance sant\u00e9 internationale<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Combien co\u00fbte une assurance voyage en Australie ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les assurances sont factur\u00e9es par mois, selon la dur\u00e9e de votre s\u00e9jour. Pour un an, les tarifs varient entre 376\u20ac et 418\u20ac, soit environ 32 \u00e0 35\u20ac\/mois. Certains assureurs proposent le paiement en 3 fois sans frais, d&rsquo;autres vous permettent de mensualiser. Les tarifs varient selon la dur\u00e9e et le type de contrat :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Touristes : formules courtes, quelques jours \u00e0 plusieurs mois<\/li>\n\n\n\n<li>PVT : entre 370 \u20ac et 420 \u20ac pour une ann\u00e9e compl\u00e8te, soit environ 30-35 \u20ac par mois<\/li>\n\n\n\n<li>\u00c9tudiants et stagiaires : tarifs adapt\u00e9s selon la dur\u00e9e de s\u00e9jour<\/li>\n\n\n\n<li>Expatri\u00e9s : primes plus \u00e9lev\u00e9es pour une couverture compl\u00e8te<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Astuce : pour \u00e9viter de payer un mois suppl\u00e9mentaire, ajustez bien vos dates de souscription. Par exemple, du 1er janvier au 30 juin = 6 mois. Mais du 1er janvier au 1er juillet = 7 mois.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Focus sur la sant\u00e9 mentale et les risques climatiques<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les assureurs en 2026 incluent d\u00e9sormais plus syst\u00e9matiquement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Soutien psychologique :<\/strong> De plus en plus de contrats PVT (comme Chapka ou <a href=\"https:\/\/carexpat.com\/blog\/assurances\/acs\" target=\"_blank\" rel=\"noreferrer noopener\">ACS<\/a>) proposent des consultations de t\u00e9l\u00e9-m\u00e9decine incluant le soutien psychologique, un enjeu devenu majeur pour les jeunes expatri\u00e9s loin de leur famille.<\/li>\n\n\n\n<li><strong>Risques naturels :<\/strong> Avec l&rsquo;intensification des ph\u00e9nom\u00e8nes climatiques (feux de brousse ou inondations), v\u00e9rifiez que votre assurance couvre bien les \u00ab\u00a0retours anticip\u00e9s\u00a0\u00bb ou les \u00ab\u00a0frais d&rsquo;interruption de s\u00e9jour\u00a0\u00bb en cas de catastrophe naturelle dans votre zone.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Que v\u00e9rifier avant de souscrire ?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici une <strong>checklist<\/strong> des garanties importantes :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Garantie essentielle<\/strong><\/td><td><strong>Conseill\u00e9 ?<\/strong><\/td><\/tr><tr><td>Remboursement frais m\u00e9dicaux<\/td><td>oui<\/td><\/tr><tr><td>Hospitalisation &amp; chirurgie<\/td><td>oui<\/td><\/tr><tr><td>Rapatriement et transport<\/td><td>oui<\/td><\/tr><tr><td>Responsabilit\u00e9 civile<\/td><td>oui<\/td><\/tr><tr><td>Assistance juridique<\/td><td>oui<\/td><\/tr><tr><td>Assurance bagages<\/td><td>oui<\/td><\/tr><tr><td>Sports couverts (en loisirs)<\/td><td>selon vos activit\u00e9s<\/td><\/tr><tr><td>Soins dentaires &amp; optiques<\/td><td>en cas d\u2019accident<\/td><\/tr><tr><td>Franchise faible voire nulle<\/td><td>de pr\u00e9f\u00e9rence<\/td><\/tr><tr><td>Conditions d\u2019annulation ou de retour anticip\u00e9<\/td><td>oui<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Bien choisir votre assurance voyage Australie<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Touristes<\/strong> : une assurance voyage courte dur\u00e9e avec garanties essentielles (frais m\u00e9dicaux, rapatriement, responsabilit\u00e9 civile).<\/li>\n\n\n\n<li><strong>PVT \/ WHV<\/strong> : une assurance PVT Australie adapt\u00e9e aux exigences du visa, avec prise en charge des soins li\u00e9s au travail.<\/li>\n\n\n\n<li><strong>\u00c9tudiants<\/strong> : une assurance sant\u00e9 internationale Australie incluant garanties sp\u00e9cifiques aux \u00e9tudes.<\/li>\n\n\n\n<li><strong>Expatri\u00e9s<\/strong> : une assurance sant\u00e9 Australie compl\u00e8te, avec couverture longue dur\u00e9e et soins de confort.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ne partez jamais sans une bonne <strong><a href=\"https:\/\/carexpat.com\/blog\/la-sante-en-australie-pour-son-voyage-ou-son-expatriation\/\">assurance voyage Australie<\/a><\/strong> : face aux frais m\u00e9dicaux \u00e9lev\u00e9s, elle est votre meilleure alli\u00e9e pour profiter pleinement de votre s\u00e9jour en toute s\u00e9r\u00e9nit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Partir en Australie est un r\u00eave pour beaucoup, que ce soit pour un s\u00e9jour touristique, un PVT (Working Holiday Visa), des \u00e9tudes ou une expatriation. Mais avant de poser vos valises, il est essentiel de souscrire une assurance voyage Australie adapt\u00e9e. Pourquoi ? Parce que les frais m\u00e9dicaux y sont extr\u00eamement \u00e9lev\u00e9s et que votre [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":27259,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[50,131],"class_list":["post-27258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conversion","tag-australie","tag-voyageur"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelle assurance voyage Australie choisir en 2026 ? Guide complet<\/title>\n<meta name=\"description\" content=\"Trouvez la meilleure assurance voyage Australie en 2026 selon votre visa : PVT, \u00e9tudes ou expatriation. 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