When you book discounted flight or accommodation rates, these are generally "No refund, no changes" rates. The tourism provider offers discounts based on the surety of knowing that a room will be occupied and generating income. Most providers also offer a flexible rate at a higher cost. Choose which model you select carefully and consider whether to get travel insurance to cover losses due to unexpected changes.
Australia has mid priced and quality health care. This affects the prices that insurance companies charge for their policies. The Canstar 2019 travel insurance star ratings report says, “Usually this is about how expensive medical care is in your destination country. For example, the US is the most expensive place to buy travel insurance for, and that’s largely due to the costs associated with healthcare there,” he said. “If a country has a reciprocal healthcare agreement with Australia, the cost is likely to be lower.
For Australians, emergency health care at a public hospital will be covered the same as it you were at home. However ambulance fees probably will be charged to non-Tasmanians.
It pays to shop around and compare policy coverage and cost across a range of insurance providers. Also, it might be useful to check review sites to read about past traveller claim experiences. According to Canstar, "...the average 5-Star product was found to be around 40% cheaper than the market average...." For example quotes variations for a couple were as follows:
Note that Canstar may earn a fee for referrals from its website tables. For more information please https://www.canstar.com.au/how-we-get-paid/