Travel insurance for non-Australian residents

Travelling back home? Or just a quick trip overseas? Compare options for non-resident travel insurance

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    warningFinally, some good news! Travel is picking up, so some insurers have started offering cover again. Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.

    If you're living in Australia and need non-resident travel insurance for an overseas trip, you've come to the right place. We've done the research and found a number of travel insurance brands that cover non-residents, so you can compare policies and go on your way.

    Answered

    Am I eligible for non-resident travel insurance?

    • Have you lived in Australia for at least 3 months, or
    • Do you have private health insurance or be eligible for Medicare, or
    • Are you on a working visa

    If you answered 'yes' to at least one of these, you should be eligble for non resident travel insurance.

    Compare travel insurance brands for non-Australian residents.

    BrandCover for travel into Australia?Cover for trips out of Australia?Apply
    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
    Tilda logo Image: Supplied
    • You hold a valid Australian permanent residency visa, and you permanently reside in Australia
    • You hold a current Australian Medicare card
    • You are between the ages of 18 and 99
    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
    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
    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
    Get quote
    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
    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.
    racv logo
    • You have a current Australian Visa and your trip must be wholly within Australia
    • You have a current Australian Visa and your trip begins from Australia and ends in Australia.
    zoom logo
    • No cover
    • You have a current Australian Visa and holds a valid Medicare card.
    • Must be 74 years old and under.
    insure4less logo
    • Resident in Australia for at least 3 months and must be 90 years old and under
    • Resident in Australia for at least 3 months and must be 90 years old and under
    • You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside Australia.
    travel insuranz logo
    • Resident in Australia for at least 3 months and must be 70 years old and under
    • You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside Australia.
    • Resident in Australia for at least 3 months and must be 70 years old and under
    • You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside Australia.
    fast cover logo
    • You have a current Australian Visa and holds a valid Medicare card.
    • Your trip must be wholly within Australia and you are 89 years old and under.
    • You have a current Australian Visa and holds a valid Medicare card.
    • Must be 89 years old and under.

    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 brand. 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. This visa is closed to new applications.
    • 405 or 410 Retirement or Investor Retirement. These specialist visas requires you to make a significant long-term financial investment in Australia. This visa is closed to new applications.
    • 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. Do short- term work in Australia to help pay for your holiday. Study for up to 4 months and travel to and from Australia as many times as you want.
    • 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:

    united kingdom flagThe United Kingdom

    ireland flagThe Republic of Ireland

    sweden flagSweden

    netherlands flagThe Netherlands

    finland flagFinland

    italy flagItaly

    malta flagMalta

    norway flagNorway

    belgium flagBelgium

    new zealand flagNew Zealand

    slovenia flagSlovenia

    What are the benefits of non-resident travel insurance

    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.

    cancelled flight 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 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 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 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 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 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 Travel documents. If your important travel documents are lost or stolen, you’ll be covered for the cost of their replacement.

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    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. However, this is subject to change, which is why you should 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?

    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.
    • Look for an insurer with a trusted 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 definitely 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: GettyImages

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    6 Responses

      Default Gravatar
      AnnaJanuary 4, 2018

      We have visitors here from Italy, they already have travel insurance that cannot be amended for the entirety of their trip. We have booked a cruise ex Syd to New Caledonia and want travel insurance for those 8 days. One of the travellers is 82 years old. Any suggestions?

        Avatarfinder Customer Care
        RenchJanuary 5, 2018Staff

        Hi Anna,

        Thanks for your inquiry.

        Whether you’re a traveller in your 50s, 60s, 70s or 80s, you can find seniors travel insurance to suit your needs. Many insurers provide cover for pre-existing conditions and travellers up to 101 years of age. You may visit our list of senior travel insurance to compare your options. Please also make use of the search filter tool on the page and it will show you a list of quotes for travel insurances. Once you have chosen a particular insurer, you may then click on the “Go to site” or “Get quote” button to request a quotation or proceed with your purchase or get in touch with their representatives for further assistance.

        Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

        Best regards,
        Rench

      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.

        Avatarfinder Customer Care
        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

      Default Gravatar
      MiraAugust 1, 2016

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

        Avatarfinder Customer Care
        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 from insurer to insurer. You may find our travel insurance for short-term visitors useful.

        I hope this was helpful,
        Richard

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