Before travelling and getting travel insurance check you don't already have it through your credit card. My parents are over from Australia and staying with me in Edinburgh and were talking about how much their travel insurance had cost, so I asked if they had it already on their credit card and maybe they shouldn't have bothered getting it (turns out they didn't) but I thought this is one of those things people forget and buy extra travel insurance rather than just use their one they've been paying for with the fee of the credit card, I know Commonwealth does for certain cards: Complimentary Insurance Cover - Credit Cards - Commonwealth Bank Group
"Relax — we've got you covered
When you use your Commonwealth Bank Gold, Platinum or Diamond Credit Card to pay for overseas travel in advance, and if you meet the eligibility criteria, you can enjoy complimentary insurance cover for yourself, your spouse and your dependent children*.
So when you’re travelling, you’ll have peace of mind, knowing that you’ll be covered for hospital and medical expenses, loss of your belongings and unexpected expenses"
However many of the no fee credit cards - Fee Free Credit Cards, best cards with no annual cost in Australia! - don't offer insurance, so check your policy!