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Travel insurance for visitors to Australia

Compare policies for overseas visitors to Australia. Get cover for medical expenses, cancellation fees and more.

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Visitors and non-residents in Australia and COVID-19

If you're a visitor to Australia and you decided to stay, or couldn't get home due to restrictions, there are still some insurance options out there for you.

  • Contact your insurer back home. If you have a travel insurance policy that hasn't expired, see if your insurer will extend cover until you make it back to your home country.
  • Look into Overseas Visitors Health Cover. OVHC will cover you for unexpected medical expenses while you're in Australia. You might not have cover for your baggage or possible cancellations, but at least medical is taken care of.
  • Cover if you need to hire a car. If you need a car because you're in Australia longer than expected, it could be a good idea to look at rental car excess insurance to avoid unexpected costs.

Whether you're visiting Australia from overseas or are arranging cover for family abroad to visit you, it can be tricky to get a policy with Australian insurers. Luckily, there are options out there for you.

We've put together a list of providers offering travel insurance for visitors to Australia so you can get cover for things like medical expenses, flight cancellations and personal liability.

Compare policies for visitors to Australia

BrandPolicy NameAge limitMedical coverCancellation coverApply


Inbound Travel InsuaranceUnder 69$10,000,000Benefit limit chosenGet quote

How to apply

Easy Travel Insurance

Inbound PlanUnder 69$10,000,000Benefit limit chosenMore info

How to apply

Aussietravelcover logo

Aussie Travel Cover

Top Non Residents / Basic Non ResidentsUnder 86Unlimited$10,000 / $3,000More info

How to apply

*When looking for cover, make sure to read any guidelines in the PDS to ensure you qualify for the policy. Most insurers have limitations when it comes to covering pre-existing medical conditions for visitors to Australia.

What is travel insurance for overseas visitors to Australia?

Visitors to Australia can buy their travel insurance from Australian insurers as long as they meet certain criteria. This usually includes the majority of their trip being spent in Australia and that they are not over a certain age. Some insurers may not allow cover for trips outside of Oz.

Benefits of having travel insurance while visiting Australia

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

  • Medical care. Cover if you need medical care while you're in Australia. Emergencies are often unexpected and expensive, so don't let you or your family get caught out.
  • Interruption. Sometimes, unforeseen circumstances force you to cancel or cut your trip short. Whether you lose your job or are diagnosed with an illness, the long journey means that flights to Australia can be pretty expensive. Travel insurance policies reimburse you for the money you are otherwise not able to get back.
  • Belongings. You're travelling such a long way so the last thing you want is to be stuck in Australia without your luggage. If your luggage and belongings 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. Australia is a generally safe country but theft can occur anywhere, especially if you're planning on exploring different parts of the country. Travel insurance looks after you if your cash, credit cards, passport or important travel documents are stolen.
  • Accidents. If you're planning a road trip, rental vehicle excess cover makes sure you don't have to pay the excess on the rental vehicle if something goes wrong. Travel insurance for visitors to Australia can also include personal liability. If an accident occurs and you are legally liable to pay for the costs, this can reimburse you up to the limit specified on your policy.

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

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. Here are some other conditions to consider:

  • Additional cover. Many insurers will require you to have valid Medicare cover or private health insurance as well.
  • Known conditions. 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.
  • Age limits. Non-resident travel insurance will generally have an age limit on people who can take out cover. For eg, many policies stipulate that you must be under the age of 81 to take out cover.
  • Waiting periods. 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.

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?

Finder.com.au 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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Questions about travel insurance for visitors to Australia

Travel Insurance for Visitors to Australia

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*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Picture: GettyImages

More guides on Finder

  • Inbound travel insurance

    Find out what inbound travel insurance covers and compare policies to find the right cover option.

  • Travel insurance for 457 visa holders

    Is travel insurance really necessary when you’re coming here on a visa? The answer is "yes" and this guide looks at what you need and why you need it when travelling to Australia on a 457 visa.

  • Travel insurance for visitors to Australia

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

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28 Responses

  1. Default Gravatar
    PunzOctober 11, 2019

    I would like to insure my parents aged 70 and 68 who arrived in Australia a couple of days ago. One of them has pre-existing medical conditions (High BP and Diabetes) I would like to know the companies that would cover them and the SI amount as well.

    • Default Gravatar
      NikkiOctober 12, 2019

      Hi Punz,

      Thanks for getting in touch! It’s good to know that you are looking to get insurance for your parents when they visit Australia. The companies listed on our page who are available to accept your application is on the top part of the page above.

      These are:
      1. Travel Insurance Saver
      2. Cover more

      Unfortunately, we are unable to give you a quote as we don’t work with them directly. Please click the green GET QUOTE button to proceed.

      Kindly note that 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 so be sure to ask your chosen company if they cover high blood pressure and diabetes. Some may be automatically excluded and for others, you may be required to submit further information detailing the nature of your condition.

      As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    MarkFebruary 13, 2019

    I need travel insurance for my female partner. No existing health conditions. age 41. Dates to be insured are 6th of march until 23rd of may 2019. I want full cover or similar for this lady. Please supply some quotes asap.

    • Default Gravatar
      NikkiFebruary 14, 2019

      Hi Mark,

      Thanks for getting in touch! While we provide you with information on travel insurance, we are not equipped to provide you with a quote since we don’t have access to the prices of the providers on our site. We suggest to choose a provider from our list above and contact them directly to get a quote. Hope this clarifies!


  3. Default Gravatar
    shrikantSeptember 27, 2018

    My parents(Age 59,51) and my son(2 months) coming to Australia on visitor visa 600 for 6 months. We are 457 visa holder. I am planning to buy travel insurance( contain flights from and to india ) along with health insurance for them. Please advise which one is suitable for them and how much time will it take to get those insurance

    • Avatarfinder Customer Care
      JoshuaSeptember 30, 2018Staff

      Hi Shrikant,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      As finder is a comparison website, we are not permitted to provide our users with specific recommendations. However, what I can suggest is for you to check our table found above this page. Check the product details and click on the “Get Quote” button to learn more.

      Getting an insurance policy should not take you more than a week as long as you provided all requirements in a timely manner.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    MelJune 30, 2018

    Can you get insurance for pre-existing conditions

    • Default Gravatar
      JoelJune 30, 2018

      Hi Mel,

      Thanks for leaving a question on finder.

      Please note 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.

      It may be possible to remove specific exclusions by paying an extra premium or completing a medical assessment form so it is also advisable to contact the travel insurers for more information on when a preexisting medical condition is and isn’t covered.


  5. Default Gravatar
    dannyDecember 15, 2017

    I’m a visitor to Australia holding a 408 visa, and is accidental pregnancy, is there any insurer in Australia which can cover the medical fees, such as antenatal care for the first and second trimesters?

    • Avatarfinder Customer Care
      JudithDecember 16, 2017Staff

      Hi Danny,

      Thanks for reaching out to us. I hope all is good on your end.

      You may refer to our list of health insurance for 408 visa holders. We have a panel on the said page in which you would see if the option has pregnancy cover. Kindly click the green “Enquire Now” button and/or click the link “More” for you to read more information about the options.

      Whilst some insurers will provide cover where others won’t, in some cases, it may be possible to remove specific exclusions by paying an extra premium or completing a medical assessment form so it is also advisable to contact the travel insurers for more information on when pregnancy is and isn’t covered.

      Lastly, please take time in reading the information about each option as well as the relevant Product Disclosure Statements / Terms & Conditions before making a decision on which option suits your needs.

      I hope this helps.

      Warm regards,

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