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Non-Resident Travel Insurance

Are you a non-resident living in Australia and wanting to travel overseas? Don't fret - you can still get travel insurance.

If you’re not a permanent Australian resident, it can be a little more difficult to take out cover with some insurers. Most insurers require you to be a resident to qualify for cover. But there is some good news - there are some Aussie insurers who provide travel insurance for those who are just visiting Australia.

However, you will need to satisfy the following criteria:

  • You will need to have lived in Australia for a minimum of 3 months, or
  • Have a valid Medicare or private health insurance in place to be eligible for cover, or
  • Be on a working visa

Which travel insurance brands cover non-residents of Australia?

BrandCover for travel into Australia?Cover for trips out of Australia?Apply
Cover is available, however:

  • There is no cover for return home
  • There is no cover for pre-existing medical conditions
  • Policy must bought at least 14 days before you arrive in Australia
  • Yes
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Budget Direct Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
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Columbus Direct
  • Domestic policy is available if you have lived in Australia for a minimum of three months
  • Yes, provided that you have lived in Australia for a minimum of three months
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Downunder
  • Domestic policies may be available if you are eligible for a Medicare card and currently reside in Australia
  • You can get one-way travel back to your country of residence
  • Policy must be bought before your arrival to Australia
  • Policy for travel elsewhere may be available if you are eligible for a Medicare card and currently reside in Australia
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Easy Travel Insurance
  • Domestic policy is available to non-residents under the age of 70
  • Yes, provided that your eligible for Medicare card in Australia
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Go Insurance
  • Yes, provided you are under 75 years of age and if you return home at the end of the trip
  • Yes, provided you have been a resident in Australian for at least 3 months
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InsureandGo
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
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MultiTrip Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
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Southern Cross
  • Yes, provided you're on a visa that allows you access to medicare benefits
  • Yes, provided you're on a visa that allows you access to medicare benefits
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Tick Travel Insurance
  • Domestic policy is available if you're eligible for Medicare or have overseas student travel insurance in Australia
  • Yes, provided that you're eligible for Medicare or have overseas student travel insurance in Australia
Get quote
tid-logo-blueDomestic policy available if you're a holder of a:

  • 457 visa
  • Skilled working visa
  • Spousal visa
Yes, provided you're a holder of a

  • 457 visa
  • Skilled working visa
  • Spousal visa
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travel insurance saver logo
  • Domestic policy is available to non-residents under the age of 70
  • Yes – International Comprehensive, Bare Essentials and the Essentials policies are available as long as you are returning back to Australia.
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Travel Insuranz
  • Domestic policy available if you have been a resident of 3 months and aged less than 69 years of age
  • Yes, provided you have been a resident of 3 months and aged less than 69 years of age
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worldcare travel insurance logo
  • Domestic policy is available if you're eligible for a medicare card
Yes, provided you

  • You purchase your policy in Australia before you commence your journey
  • Your journey begins and ends in Australia
  • Are aged 74 years and under
  • You hold a return ticket to Australia
  • You have a home address in Australia to which they intend to return
  • You hold a current Australian visa
  • There is no cover for pre-existing conditions
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Zoom travel insurance logoYes, can purchase a domestic policy that will cover you for cancellation fees and lost deposits, luggage and personal effects, rental vehicle excess and much more. Please note that no medical benefits apply on domestic policies. Refer to the PDS for full policy benefits.Yes, provided you

  • Are aged 74 years and under; and
  • Hold a return ticket to Australia; and
  • Have a home in Australia to which you intend to return; and
  • Hold a current Australian visa which will remain valid beyond the period of your journey; and
  • Have private health insurance for the entire journey and beyond.
Get quote

Who is qualified for a non-resident travel insurance policy?

The exact eligibility requirements for a travel insurance for non Australian residents policy differs depending on the insurance provider. However, most travel insurance for non Australian residents are designed to offer cover for non-residents who are planning on travelling to or around Australia. It’s possible to take out cover if you have travelled to Australia on one of a number of visas, including:

  • 457 Temporary Business long stay. The 457 visa encourages people from abroad with specific skills to live and work in Australia.
  • 405 or 410 Retirement or Investor Retirement. These specialist visas requires you to make a significant long-term financial investment in Australia.
  • 411 Exchange. This visa is closed to new applications.
  • 416 Special program. This temporary visa provides cover for those who are here on programs such as cultural enrichment, school language assistance programs, etc.
  • 417 Working Holiday. The 417 visa is designed to suit the needs of young people who want to work and travel in Australia.
  • 422 Medical Practitioner. This visa is closed to new applications.

General requirements:

  • Most insurers will require you to spend the majority of your trip within Australia
  • Most insurers will require you to have private health insurance cover in place or be a member of Medicare.
  • Most insurers will not provide cover for pre-existing medical conditions which may be covered for other applicants by paying an additional premium
  • You may purchase cover after arriving in Australia though there is generally a waiting period of 48 hours applied
  • Applicants generally have to be under 80 years of age to qualify for cover

Who is eligible to get Medicare cover while living in Australia temporarily?

You are eligible to take out Medicare if you are travelling from a country that is part of the reciprocal healthcare agreement with Australia. The following countries are part of the agreement:

  • The United Kingdom
  • The Republic of Ireland
  • Sweden
  • The Netherlands
  • Finland
  • Italy
  • Malta
  • Norway
  • Belgium
  • New Zealand
  • Slovenia

What benefits of non-resident travel insurance can I take advantage of?

Though the exact benefits and level of cover offered differ between insurance providers, most travel insurance for non Australian residents typically offer the following benefits:

  • Emergency medical expenses. This benefit provides cover for the cost of any emergency medical or dental expenses you may incur while travelling. This includes ambulance transportation, hospital costs and even emergency evacuation expenses.
  • Cancellation fees and lost deposits. Sometimes unforeseen events and circumstances can force you to cancel your trip or cut it short. Your policy will reimburse you for the cost of any cancellation fees or deposits that cannot be recovered.
  • Luggage delay. If lose your luggage or it is misplaced by a travel provider, you’ll receive a benefit to buy emergency clothing and toiletries.
  • Travel delay. If your pre-paid travel arrangements are delayed for more than a certain time period due to circumstances outside your control, you’ll be covered for the cost of additional accommodation and meals expenses.
  • Luggage and personal effects. If your luggage or personal belongings are lost, stolen or damaged, you’ll be able to take out cover for the cost of their repair or replacement.
  • Rental vehicle excess. If your rental car is crashed, stolen or damaged, your insurance policy will cover the cost of the excess charged by the rental company.
  • Personal liability. If you are found to be legally liable for causing bodily injury or property damage to a third party during your trip, your policy will provide the cover you need.
  • Travel documents. If your important travel documents are lost or stolen, you’ll be covered for the cost of their replacement.

Are there any restrictions on these benefits?

These benefits are offered to non-residents who are:

  • Inbound travellers to Australia. Inbound travel insurance generally covers non-residents for their travel until they land in Australia.
  • Travelling around Australia. Non-residents can get travel insurance that covers their journeys in Australia. However, depending on their visa they may not be eligible for medical cover if they are already covered by medicare.
  • Living in Australia and wanting to travel internationally. Most non-resident travel insurance policies provide cover for overseas travel. However, you need to check the conditions around the type of non-residents that can be covered (e.g. visa type or Medicare requirements). Additionally, many policies do not provide cover if you plan on returning to your country of residence.

What documents will I be asked to provide by my insurer?

Although exact requirements differ between insurers, you may be requested to provide the following items and documents in order for your claim to be accepted:

  • A copy of your passport
  • Documents that prove your status as an Australian resident
  • Your birth certificate
  • A copy of a valid Medicare card, private health fund membership or overseas student travel insurance cover
  • Any other documents that prove your Australian citizenship or residency

If you fail to provide the information the insurer requests, your claim may not be paid or you may not receive the assistance you request.


Can't I get travel insurance from my home country?

If you’re a non-resident temporarily living in Australia, you may wonder if it’s possible to take out travel insurance from an insurer in your home country rather than taking out non-resident travel insurance from an Australian provider. The vast majority of travel insurers require you to be living in the country from which you are purchasing insurance.

If you’re purchasing cover from a UK insurer, you'll typically to do so while you’re living in the UK and before you leave for Australia.

Once you arrive in Australia

Once you arrive in Australia, it can be very difficult to obtain cover from an insurer in your home country. That’s why non-resident travel insurance is usually the most suitable and simplest option for most people.

Non-resident travel insurance from Australia is much easier

You may be able to purchase cover from your home country while overseas, but the policies available and the ease with which you can get cover varies greatly depending on which part of the world you come from. Check with a range of insurance providers to find out more about the policies available.

Australian Travel Insurance

English citizen Tommy is spending a couple of years in Australia on a working visa. After living in Australia for six months, Tommy is about to depart on a two-week holiday to the United States. However, when he looks for cover from the UK travel insurer he’s used in the past, Tommy realises that they won’t offer him any cover because his trip will start and end in Australia.

Fully aware just how expensive just one night in an American hospital can be if you don’t have any insurance, Tommy decides to compare non-resident travel insurance policies from Australian insurance providers. After shopping around, Tommy finds an affordable policy that covers overseas medical expenses, lost and stolen luggage, trip cancellation and interruption, travel delay and more. He heads away on his holiday with complete confidence that he’ll have financial protection if something goes wrong during his trip.


Am I covered if I travel back to my home country?

Whether or not your non-resident travel insurance covers you for trips back to your home country depends on your insurer. For example, 1Cover does not cover your return trip to your country of residence, while DUInsure does cover one-way travel to your country of residence from Australia.

Check the product disclosure statement (PDS) to find out whether or not your policy provides any cover.


Things to consider when choosing a non-resident policy

When you’re looking for travel insurance, the first thing you must consider is the type and level of cover you need. In order to do this, take the time to think about your trip and ask yourself:

  • What are the eligibility requirements of the policy?
  • Do I have any pre-existing conditions that will be excluded?
  • Where am I going?
  • How long will I be travelling and what are the conditions for spending most of my time within Australia?
  • What will I be doing? Do I need extra cover for cruise trips or winter sports cover?
  • Am I taking any expensive items with me?

Get more tips on comparing travel insurance cover

How to compare non-resident travel insurance

  • First of all, do your research on the insurance companies that offer the type of cover you need.
  • Check online product review websites or seek personal advice from friends and family members.
  • Look for an insurer with a trusted and reliable reputation, and remember to factor the underwriter of the policy into your calculations.
  • Once you’ve found a few suitable insurers it’s time to dig a little deeper. It may be a boring and time consuming task, but reading product disclosure statements is something you should do.
  • Look at the features, benefits, limits and exclusions of competing policies, seeing how each one stacks up to your list of requirements.
  • Compare multiple quotes for a number of policies. This can be handled quickly and easily online, allowing you to get an accurate idea of just how much you will be charged for cover.
  • Remember the cheapest policy is not necessarily the right policy for you — you need to familiarise yourself with the actual cover offered to determine a policy’s true value.

Compare travel insurance for non-Australian residents

Picture: Shutterstock

Richard Laycock

Richard is the insurance editor at finder.com.au. He is on a mission to make insurance easier to understand.

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4 Responses

  1. Default Gravatar
    LeonardSeptember 2, 2017

    Hi , I am 76 years old I have been in Australia for 13 years am non resident, my wife is 74 we wish to travel to Bali on the 5 th of October till the 15 th, have full over seas cover with HBF for the last 13 years, can you help.

    • Staff
      HaroldSeptember 5, 2017Staff

      Hi Leonard,

      Thank you for your inquiry.

      As per checking you are already in the correct page. Please review and compare the offers from different travel insurers listed above. You can choose the offer that will best fit your personal requirements.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    MiraAugust 1, 2016

    Hi
    Is it possible to get any insurance while holding a tourist visa?

    • Staff
      RichardAugust 2, 2016Staff

      Hi Mira,

      Thanks for your question. Whether or not you will be able to get cover will depend on the travel insurance brand you choose to take out cover with as cover requirements vary form insurer to insurer. You may find our travel insurance for short-term visitors useful.

      I hope this was helpful,
      Richard

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