No you don't. But in saying that, it is a really good idea as you never know what can happen. Legally, you are not required to have travel insurance.

Excess is an amount of money charged if you make a claim with an individual provider. Keep in mind that excess is charged per event.

Yes, you can alter the amount of money covered which will result in paying less excess.

Most proviers don't like it when you apply for travel insurance after you have left for Australia. However some do, be sure to do your research.

Yes you can, but it isn't as easy as getting return insurance. We recommend asking your provider for more information.

We do not recommend a single company. Have a look through user reviews & see what fits you best!

Yes, insurance companies are very stringent when securing your details. Ensure the site you choose has HTTPS active on their site.

This depends which provider you go with. Most provide a 2 week cooling of period where you can cancel your policy.

Insurance companies typically send this information to the email address you chose to use when signing up.

Check with your insurance provider. This will be provided on your Insurance Certificate.

There are some insurers that will cover this, we recommend 1Cover, Columbus Direct, Easy Travel Insurance, Fastcover, Insure and go (subject to approval), Simply Travel Insurance, TID and Worldcare.

In most cases the policy is per person, depending on how many people you include in your quote.