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 finder.com.au panel and get cover today.
Compare policies for inbound travellers
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:
- Medical, evacuation and repatriation expenses. This section of the policy protects you from the prohibitive costs of receiving medical treatment overseas. It also covers you if you need to be flown home due to medical complications.
- Trip cancellation, delay or curtailment expenses and additional emergency expenses. If you're forced to cancel or rearrange your travel plans due to an unforeseen event, this benefit covers the additional expenses you incur.
- Loss, theft or damage of luggage and personal effects. If your luggage is lost or stolen, this provision provides you with a benefit up to the limit listed in the policy document.
- Replacement of passports and travel documents. If you lose your passport or your travel documents are stolen, this part of your policy covers you for the replacement costs you incur.
- Rental vehicle insurance excess. Rental car excess provides cover for the gap or excess charged by a car rental company in the event your car is damaged or stolen.
- Accidental death and funeral expenses. This cover provides your family with a benefit should you die while overseas and also provides cover for the costs of repatriation of your remains back to your home country.
- Personal liability insurance. If while you're in Australia you become liable for damages to a third party, this benefit covers you up to the benefit limit for the costs your libel to pay.
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?
- Answer. No. Most inbound travel insurance policies provide cover for medical, cancellation, accommodation and more. However, if you only want cover for medical, some health insurers offer cover to non-residents.
- 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?
- Answer. Many insurers offer non-resident travel, which is designed for non-residents living in Australia on various visas.
- 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.