Sydney skyline at night

Inbound travel insurance

Coming to Australia? Protect yourself with inbound travel cover from Australian insurers.

Are you coming to Australia on a holiday? Are you looking to buy travel insurance for friends or family coming from overseas? What ever the reason, you need to make sure you get the right cover.

While getting travel insurance for non-residents can be tricky it's not impossible. Keep reading to compare the options available to you from the travel insurance brands in the panel and get cover today.

Compare policies for inbound travellers

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

Get quoteMore info
Travel Insurance Saver Inbound

$200,000 medical and dental expenses

$20,000 cancellation or holiday deferment costs

$500,000 personal liability

Travellers who are under 70 years of age; limits apply to travellers between 60 and 70

Get quoteMore info
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

Get quoteMore info
Go Insurance Inbound Travel Insurance

$5,000,000 medical expenses in Australia

Travellers who are not Australian residents

Travellers who are under 75 years of age

Cover can be purchased prior to arrival, or on arrival in Australia

In order to get cover for this policy you must call Go Insurance directly

Get quoteMore info

General conditions for applicants

General eligibility requirements for inbound travel insurance include:

  • You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
  • You must be under 81 years of age at the time the policy is issued (age limits vary between insurers)
  • Your trip must include travel within Australia
  • You must have purchased cover less than 12 months prior to arriving in Australia

What does inbound travel insurance to Australia offer?

An inbound travel insurance policy provides visitors to Australia with protection from a range of potential risks – the kind that all travellers face wherever they go in the world. These typically include:

Are my children covered as well?

Most inbound travel insurance policies include cover for a visitor’s children at no additional cost. Conditions include:

  • The child or children must be financial dependents of the insured (no independent source of income)
  • They must be under 25 years of age
  • They must be accompanying the insured to Australia
  • They must be named in the insurance policy

While age limits and numbers of children covered can vary between insurers, “kids travel free” is a common incentive included in most travel insurance policies, including inbound travel insurance.

Am I covered for medical expenses in Australia?

Inbound travel insurance can cover your medical and hospital expenses in the event that you suffer an illness or injury while you are visiting Australia. Conditions that typically apply include:

  • You must seek treatment from a registered medical practitioner
  • All expenses must be incurred within 12 months of the illness or injury
  • Your illness or injury must not be the result of a pre-existing medical condition, unless it has been approved by your insurer
  • You must be under the age limit (varies with insurer but usually no older than 80, and with benefit limits placed on those over 60)
  • If you purchase your policy more than a week after arriving in Australia, there is a waiting period before any medical-related claims can be made

Inbound travel insurance exclusions

Specific exclusions that apply to inbound travel insurance include:

  • No cover for pre-existing medical conditions unless approved
  • No cover for snow sports
  • No provision for suspension of the policy
  • No medical cover if you are entitled to Australian health benefits

There are also a range of general exclusions that apply to all travel insurance policies, including inbound travel insurance, where no cover is provided in the following circumstances:

  • Travelling against a doctor’s advice
  • Travelling to seek medical treatment
  • Any unapproved pre-existing medical condition
  • Child birth
  • Changing your mind about travelling
  • Self-inflicted injuries
  • Acting under the influence of drugs or alcohol
  • Mental illness
  • HIV or AIDS-related infection or illness
  • Riot, civil unrest, war or military coup
  • Malicious or criminal behaviour
  • Reckless or negligent behaviour
  • Racing, hunting or participating in unapproved extreme activities
  • Sailing in international waters
  • Professional sports
  • Scuba diving unless licensed or with a licenced instructor
  • Riding a motorcycle without an appropriate licence
  • Nuclear weapons or materials
  • Government intervention or prohibition
  • Failure to avoid further losses
  • Financial default of a travel provider

Inbound travel insurance FAQs

  • Question. Can I get cover for medical only?
  • Question. Am I able to get cover with the Reciprocal Health Care Agreement (RHCA)?
    • Answer. Yes. As these policies are designed for travellers coming to Australia on a short term basis, they cover medical treatment. However, if you're from a member country, you will be able to receive medical treatment with the RHCA.
  • Question. I am a non-resident living in Australia, what cover can I get?
  • Question. Can I cancel my policy?
    • Answer. Yes. Most policies have a cooling off period of roughly two weeks.
  • Question. Can I extend my policy.
  • Question. How much does inbound travel insurance cost?
    • Answer. The cost of inbound travel insurance depends on various factors including your age, whether you have any existing conditions and the duration of your trip.

Inbound travel insurance vs normal travel insurance

Travel insurance is an essential item for everyone who travels, regardless of whether or not you’re an Australian resident. It provides cover for medical emergencies when you aren’t eligible for local health cover, and it reimburses you for unavoidable trip cancellations and delays as well as lost, stolen or damaged luggage and personal items.

The main difference between regular travel insurance and an inbound policy is that regular insurance requires you to be a resident of the country in which you apply for cover. An inbound policy is designed for non-residents visiting Australia and provides the same comprehensive level of cover for those who would otherwise not qualify for Australian travel insurance.

Travel risks for inbound visitors to Australia

With a low crime rate and reasonably high standards of health care, Australia is a relatively safe place for visitors. But there are some risks for travellers who are unfamiliar with the landscape and Aussie way of life. Potential hazards include:

  • An environment that can be harsh and unforgiving, with extreme heat, bushfires, floods and cyclones occurring regularly
  • A variety of venomous snakes and spiders on land, and sharks, marine stingers and crocodiles in our waters
  • Surf beaches that can be potentially treacherous if swimming in unpatrolled areas
  • High UV ratings, especially in summer, requiring protection at all times
  • Vast regions of outback wilderness, where precautions need to be taken when travelling in remote areas

While all of these things can potentially pose a risk to inbound visitors, taking precautions and observing local advice and warnings will ensure that your visit to Australia is a safe and memorable experience.

Compare travel insurance policies today and get covered

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.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

3 Responses

  1. Default Gravatar
    SammyNovember 3, 2016

    I am sponsoring a friend to Australia and i would like to ensure they have a travel insurance. Can i purchase a travel insurance on their behalf?

    • finder Customer Care
      RichardNovember 4, 2016Staff

      Hi Sammy,

      Thanks for getting in touch. You should check whether private health insurance is a requirement for your friend’s visa, as the level of cover offered by travel insurance, along with the maximum cover periods, may not satisfy visa requirements. If health insurance is not a requirement, you would be able to buy the policy for you friend. If they need a higher level of cover, you may want to look into overseas visitors health cover.


    • Default Gravatar
      November 4, 2016

      Thank you for your reply and i will follow your suggestion

Ask a question
Go to site