Travel Insurance for Visitors to Australia and Non-Australian Residents

Visitor taking selfie in Sydney

Are you travelling to or already arrived in Australia and need travel insurance? Compare cover for visitors to Australia

If your looking to visit Australia for a short or long-term trip, it might be worth getting cover in place before you land to ensure you have the right level of protection in place from the start. There are a number of travel insurance brands that will offer cover for non-Australian residents that are visiting Australia on a temporary basis and that have not taken out cover in their country of residence. This cover will provide all of the same benefits as regular policies including:

  • Emergency medical assistance cover
  • Additional accommodation and travel expenses cover
  • Cash allowance for hospitalisation
  • Accidental death cover
  • Lost personal belongings/luggage
  • Cancellation costs

Compare Policies for Visitors to Australia from Multiple Brands

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

$20,000 in cancellation cover

$1,000 rental vehicle excess cover

Premium cover for visitors to Australia

Cover can be purchased prior to arrival, or within 7 days of arrival in Australia

Get quoteMore info
Travel Insurance Saver Inbound

Medical and dental expenses

Travellers who are not Australian residents

Travellers who are under 70 years of age

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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

Benefits of having a travel insurance policy as a visitor in Australia

Travel insurance offers many features and benefits for visitors to Australia.

  • Emergency medical and hospital.At the top of the list of benefits is knowing that you are covered if you suffer a medical emergency. Emergency medical and hospital expenses will be covered if you are injured or fall ill during your trip, while the cost of medical repatriation will also be included if required.
  • Interruption.Sometimes, unforeseen circumstances might force you to cancel or cut short your trip. For example, you may lose your job or be diagnosed with a terminal illness, though you may not be able to get refunds for deposits or other pre-booked travel or accommodation. Travel insurance policies will ensure you are reimbursed for the money you are otherwise not able to get back.
  • Theft, delay and damage.Next on the list is protection for your luggage and personal belongings. If they are lost, stolen or damaged on your trip, your insurance policy will provide cover for the cost of their repair or replacement. Similarly, if an airline misplaces your luggage or it is delayed, cover is available to help you buy essential clothing and toiletries.Theft is another common problem travellers encounter, so travel insurance is designed to look after you if your cash, credit cards, passport or important travel documents are stolen. Other cover features include a death benefit, personal liability and rental vehicle excess cover.

In short, travel insurance is specially designed to offer protection against a wide range of risks you may be exposed to while travelling. Not only can this help you save money in the long run, it can also save you a whole lot of stress if something goes wrong.

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Conditions of non-resident travel insurance for Australia

If you’re not an Australian resident, non-resident travel insurance can provide the cover you need to have a relaxing holiday. Whether you’re visiting relatives, coming for a holiday or even if you’re travelling on a working holiday visa, travel insurance is available to meet your needs.

The eligibility requirements in order to be able to take out cover can vary from one insurance provider to the next, but one common requirement is that you need to be spending the majority of your trip in Australia. Many insurers will require you to have valid Medicare cover or private health insurance as well. It is worth noting that not all pre-existing medical conditions will be covered by insurers. Some may be automatically excluded and for others you may be required to submit further information detailing the nature of your condition.

Just like normal travel insurance policies, non-resident travel insurance will generally have an age limit on people who can take out cover. For example, many policies stipulate that you must be under the age of 81 to take out cover.

It’s possible to take out a policy before or after you arrive in Australia, though if you’ve already arrived you may have to serve a waiting period before some aspects of cover will take effect.

Travel insurance for overseas students in Australia

If you’re an overseas student in Australia, you can benefit from having travel insurance in place in addition to Overseas Student Health Cover (OSHC). Although OSHC is a visa requirement and provides essential cover for health care costs, it’s still recommended that you take out travel insurance to offer financial protection against risks not covered by OSHC, if you are indeed planning on travelling while on your student visa.

Student travel insurance provides cover for:

  • Cancelled and delayed flights
  • Lost, stolen and damaged luggage and personal belongings
  • Missed flights
  • Additional accommodation and travel expenses when your trip is delayed or adjusted due to circumstances outside your control
  • Accidental death cover
  • Cancellation fees and lost deposits
  • Personal liability when you cause bodily injury to someone else or damage to their property

In addition, if your visa status changes while you are in Australia and you no longer qualify for OSHC, your student travel insurance policy can cover the medical and hospital expenses you incur in Australia.

How to compare non-resident travel insurance policies

When comparing non-resident travel insurance policies, it’s essential that you take the time to do your research. Do an online search for insurance providers who specialise in offering the type of cover you’re looking for, and seek out reviews of any companies you’re considering.

Obtain quotes from a number of insurers to get an idea of the cost involved, but look past the mere cost to see exactly what each policy covers. Read all policy documents closely to familiarise yourself with the benefits, features, limits and exclusions offered by each policy. Does the policy you want cover you for all the activities and experiences you’ll be engaging in? Does one policy have higher benefit limits than the others? is the perfect place to compare a range of non-resident travel insurance policies. If you need additional assistance, consider enlisting the help of an insurance consultant to help you find the right policy for your needs.

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Frequently Asked Questions concerning travel insurance for visitors to Australia

Is it possible to purchase a travel insurance policy once you’re already overseas?
Yes, it is. You can purchase cover before you leave home or once you arrive in Australia. If you purchase cover when you’re already overseas, you may have to serve a brief waiting period (commonly 48 hours) before certain aspects of the cover will take effect.

Will my children be covered?

Most non-resident travel insurance policies will also include a certain level of cover for your dependent children.

How long do I need to have been in Australia for?

This can vary from one insurer to the next, but many insurers will require you to have been in Australia for three months before taking out cover.

I need help finding the right policy. What can I do?

You can use’s comparison tools to weigh up the pros and cons of competing policies. If you need expert advice, an insurance broker can help you tailor a policy to suit your specific needs.

If you’re visiting Australia but are not a permanent resident, you can still get the travel insurance cover you need to enjoy a relaxing getaway. Just make sure to compare the available options before deciding which policy is right for you.

Travel Insurance for Visitors to Australia

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* The offers compared on this page are chosen from a range of products has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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14 Responses to Travel Insurance for Visitors to Australia and Non-Australian Residents

  1. Default Gravatar
    Tom | April 4, 2017

    I am bringing a vehicle to Australia from New Zealand for a touring holiday on a Carnet de Passage en Douane. I am a New Zealand resident, permanently residing in New Zealand. Can I get Insurance for the vehicle whilst in Australia

    • Staff
      Zubair | April 4, 2017

      Hi Tom,

      Thank you for your question. is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      You may find our imported car insurance guide helpful.


  2. Default Gravatar
    Greg | December 7, 2016

    Hi I would like a quote for my wife and her daughter. travel insurance visitors(visa 600) for 3 months (they are from Indonesia )from 10th /12/2016 to 10th /03/2017 thanks. Greg

    • Staff
      Richard | December 7, 2016

      Hi Greg,

      Thanks for getting in touch. The table above displays the brands in our panel that offer this type of cover. However, you will need to go through to their sites to get a quote.


  3. Default Gravatar
    Stephen | December 3, 2016

    My daughter is going to Australia for 6 months to study ( has sub class 500 visa)
    She has medical cover in place for that time but needs travel insurance for flight, luggage and loss or theft of personal possessions for her stay.
    Is there a policy for this?

    • Staff
      Richard | December 5, 2016

      Hi Stephen,

      Thanks for getting in touch. You may wish to consult a local travel insurance brand, as most inbound policies from Australian providers include medical cover as standard. If that is of no concern, the table above provides a list of Australian travel insurance brands that offer cover for non-residents.

      All the best,

  4. Default Gravatar
    Anne | November 15, 2016

    Do you offer travel insurance to cover an internal flight one way from Brisbane to Sydney, we will have travel insurance for travel to and from UK

    • Staff
      Richard | November 15, 2016

      Hi Anne,

      Thanks for getting in touch. is a comparison and not an insurer. The travel insurance brands listed in the table above may be able to provide you with cover.

      All the best,

  5. Default Gravatar
    Dean | March 30, 2016

    Do insure4less have a policy to cover me while i am rock climbing in Australia ?

    • Staff
      Richard | March 31, 2016

      Hi Dean,

      Thanks for your question. is a comparison service and we are not permitted to provide our users with personalised financial advice. To review the conditions relating to Insure4less and rock climbing, you may find the following helpful:
      Rock climbing travel insurance


  6. Default Gravatar
    VIctor | June 16, 2015

    My mother in law 71 years will visit Australia for 3 months in September. What travel insurance will cover her

    • Staff
      Richard | June 17, 2015

      Hi Victor,

      Thanks for your question. is a comparison service and we are not permitted to provide personalised advice. However, you hay find our Non-resident Travel Insurance page useful.

      I hope this was helpful,

  7. Default Gravatar
    filemoni | May 13, 2015

    my grandmother is visiting australia on a 3 month visa, can she get travel insurance for the time she is here?

    • Staff
      Richard | May 14, 2015

      Hi Filemoni,

      Thanks for your question. Yes, your grandmother should be able to find cover. 1Cover provide this cover. Simply head to the 1Cover website, and select Visitors to Australia.

      I hope this was helpful,

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