Yes, travel insurance is worth having for a trip to Hamilton, a rural town in western Victoria that serves as a genuine gateway to the Grampians National Park. The honest reason to carry cover here is distance and access rather than any unusual danger - Hamilton itself is a settled agricultural center, and the risk profile is more about what happens if something goes wrong on a remote drive or bushwalk nearby.
Hamilton has local hospital services for routine care, but anything more serious is typically referred to Melbourne, several hours away by road, with Adelaide sometimes a closer option depending on where in the region you are traveling. Confirm your policy covers medical transport between regional and city hospitals, since that referral step is the part most likely to involve real distance rather than treatment in Hamilton itself.
Bushwalking and scenic driving in the Grampians are the main draws for visitors passing through Hamilton, and both carry ordinary rural travel risk - long stretches between towns, patchy phone signal in the ranges, and the usual fire-season considerations that affect much of inland Victoria over summer. Check that your policy covers bushwalking and rural self-drive travel, and confirm it addresses trip disruption if bushfire activity affects roads or access during the warmer months.
Check whether your existing health cover extends to travel within Australia and specifically covers rural or remote-area treatment before you assume it does, since some plans quietly narrow their coverage outside major cities. A standalone travel policy remains the simpler option for visitors from outside the country.
Keep any clinic paperwork, park-ranger or fire-service notices, and receipts for delayed travel if road closures affect your plans around Hamilton or the Grampians. Many policies treat bushfire-related road closure as a standard trip-delay claim, so check the wording for how it is defined before assuming automatic reimbursement.