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416 Visa Travel Insurance

Can I get travel insurance if I'm in Australia on a 416 visa? 416 Visa travel insurance guide and information.

If you want to come to Australia and you’re not an Australian or New Zealand citizen, you’ll need to obtain a visa from the Australian Government’s Department of Immigration and Border Protection. The Special Program (subclass 416) visa is designed to improve Australia’s international relations by providing the opportunity to share cultural experiences and skills through youth exchange, community benefit or cultural enrichment programs.

Who offers cover for non-residents?

Brands Product Product Details Apply
1Cover Visitors to Australia

Unlimited medical expenses

Travellers who are not an Australian resident

Travellers who are visiting Australia on a temporary basis

Purchase of the policy within 14 days of your arrival in Australia

Travellers who are 16 to 74 years old

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Easy Travel Insurance Inbound Travel Insurance

$20,000 Cancellation or holiday deferment costs

$20,000 Emergency travel arrangements and accommodation expenses

$200,000 Medical evacuation and repatriation

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CoverMore Inbound

$10 million overseas medical and dental

$10 million additional expenses

$3,000 luggage and travel documents

$1 million personal liability

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ProviderTravel insurance conditionsApply
You can get cover if:

  • You are not an Australian resident
  • You are visiting Australia on a temporary basis
  • You have bought cover 14 days before your arrival in Australia
Get quote
Budget Direct Travel InsuranceVisa holders if you have:

  • Valid Medicare Card
  • A private health fund
  • Overseas student travel insurance
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DownunderCover is only available if:

  • You are a not a resident of Australia
  • You purchase your policy before you commence your journey
  • Your Journey consists of one-way travel only to your Country of residence from Australia
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Easy Travel InsuranceTravel Insurance domestic policy is available if you're under 70 years of age and the Cancellation And Additional Expenses policy is available regardless of your ageGet quote
Go InsuranceGo insurance policies are available if you:

  • For at least three months been a resident in Australia and are able to prove it
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InsureandGoInsureandGo offer travel insurance if you're on sponsorship visa or a student visa providing that you have:

  • Valid Medicare Card
  • A private health fund
  • Overseas student travel insurance
Get quote
Southern CrossIf you're applying for travel insurance, you must be:

  • Your visa is valid past the end date of your intended travel
  • On a visa or permit that allows you access to all publicly funded health and disability services
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Tick Travel InsuranceTick Travel Insurance provides cover for non-residents providing that you have:

  • Valid Medicare Card
  • A private health fund
  • Overseas student travel insurance
Get quote
travel insurance saver logoTravel Insurance Saver domestic policy is available if you're under 70 years of age and the cancellation And Additional Expenses policy is available regardless of your ageGet quote
Travel InsuranzYou can get cover as long as you been living in Australia for three monthsGet quote
worldcare travel insurance logoWorldCare comprehensive policy is available to non-residents providing:

  • You buy your policy in Australia
  • You purchase the policy before you start your journey
  • Your trip begins and ends in Australia
Get quote

Applying for non-resident travel insurance

If you're looking for non-resident travel insurance, you can get cover either before or after your arrival in Australia (depending on the policy conditions). If you do plan on getting cover after your arrival in Australia, some policies will have a waiting period for medical claims.

Conditions when applying for cover include:

  • How old can I be to get cover? Some insurers will not issue cover to people over 70 years of age.
  • How long can I travel for? Most non-resident policies will cover you for up to 12 months.
  • How long before I arrive can I buy cover? You can normally buy cover up to 12 months before your trip commences.
  • Where can I go on an inbound policy? All policies must include Australia as part of the trip and there is no cover for the return leg of your trip to your home country.

What does an inbound travel insurance policy normally cover?

While conditions vary between travel insurance brands, most policies cover:

  • Overseas medical and dental. If you're sick or injured, this covers you for medical expenses including travel in an ambulance, overseas emergency medical and dental treatment.
  • Medical and dental expenses. This provides similar cover as above but for non-Australian residents while they are in Australia.
  • Hospital incidentals. The provision pays a daily benefit for the cost of incidental items you need to buy in hospital.
  • Luggage and travel documents. This pays a benefit if your bags are damaged, lost or stolen during your trip.
  • Delayed luggage allowance. If your luggage is delayed you'll receive a benefit so you can buy essential items such as clothing and toiletries.
  • Additional expenses. This covers you for additional transport and accommodation expenses that result from situations such as medical emergencies or natural disasters.
  • Accidental death. Your estate will receive a benefit if you die or suffer an injury during your trip that results in your death within 12 months of your return to Australia.
  • Amendments or cancellation costs. You're covered if you have amend your journey before your departure because of an unforeseen event that stops you from making it to a prepaid event.
  • Personal liability. If you're liable for compensation to pay for an injury, death or damage to someone property this benefit will cover your expenses up to your policy's limit.

Who’s eligible for a 416 visa?

In order to be eligible for the 416 visa, you’ll have to apply for temporary residence in Australia under one of the following streams:

  • Special Program of Seasonal Work
  • Cultural Enrichment Program
  • Community Benefit Program
  • School to School Interchange program
  • School Language Assistant Program
  • Youth Exchange Program

You must be invited by a sponsor of one of these special programs, but you can apply for the visa from inside or outside Australia. You’ll also need to meet health and character requirements and have health insurance for the entire time you are in Australia. The 416 visa allows you to participate in one of the above programs, work or study in Australia (if this is part of the program), and be accompanied by eligible family members.

How to apply

Follow these steps if you’d like to apply for the 416 visa:

  1. Provide a letter of invitation or offer of employment from an approved special program sponsor.
  2. Complete Form 1416 “Application for a Special Programme (subclass 416) visa” in blue or black pen. You’ll also need to provide two recent passport-sized photos of each person included in your application.
  3. Lodge your application with the Department of Immigration and Border Protection. At this time, you’ll have to pay a charge and provide supporting documentation, including a birth certificate, a copy of your qualifications and/or CV, evidence of adequate health insurance and evidence of the financial capacity to support your stay in Australia.

FAQ for 416 visas

Q. Can I apply for the 416 visa from outside Australia?

  • Yes, but you must also be outside Australia when the visa is granted.

Q. How do I lodge my application?

  • Applications for the 416 visa can be lodged by email, post, fax or courier.

Q. How long will it take for my application to be processed?

  • Your application should be processed within two to three months, but it may take longer if you need character or health checks or if you need to provide more information.

Q. Will I be informed of the decision regarding my application?

  • Yes. If your application is approved, you’ll be notified of when you can use the visa and any special conditions attached to the visa. If your application is denied, you’ll be given a reason for the refusal, details of your review rights and the time limit for lodging an appeal.

Q. Who can sponsor a person to come to Australia to participate in a special program?

  • Organisations that are lawfully established and actively operating in Australia can sponsor an applicant. They will also need to have an approved Special Program Agreement with the Department of Immigration and Border Protection (except if running a School to School Interchange Program or the School Language Assistants Program). Other special conditions apply depending on the type of program you are running, so contact the Department for more details.

Q. How do I pay for my visa application?

  • If applying from within Australia, credit card, debit card, bank cheque or money order are all accepted. For payments from outside Australia, contact the Hobart Special Programme Processing Centre for payment details.


The Reciprocal Health Care Agreement (RHCA) is an accord between the Australian Government and overseas governments. It allows visitors to Australia from certain countries to receive subsidised medical treatment and medicines and there are currently agreements in place with the following countries:

  • The United Kingdom
  • The Republic of Ireland
  • The Netherlands
  • Italy
  • Malta
  • Sweden
  • Finland
  • Slovenia
  • New Zealand
  • Norway
  • Belgium
The good news is that holders of a 416 Special Program visa are entitled to receive all the benefits of the RHCA while in Australia. However, you may still wish to take out private health insurance for extra peace of mind.

Medicare for people on Visas

The Medicare system allows Australians to access a range of medical services and treatments at zero or subsidised cost. Visa holders from countries that have a RHCA with Australia are able to apply for Medicare cover.

However, all other 416 visa holders are unable to qualify for Medicare. It’s therefore mandatory for those not from a RHCA country to take out an adequate level of private health insurance cover. This provides critical financial protection and allows you to get the health care you need whenever you need it.

If you think you’re eligible for a 416 Special Program visa, check out the full application requirements and eligibility details on the Department of Immigration and Border Protection website. Once you know exactly what the visa application process involves, you’ll be ready to satisfy all the requirements for entry into Australia.

Compare travel cover for 416 visa holders

Picture: Shutterstock

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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