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.
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. 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?
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.Back to top
Questions about 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 finder.com.au'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.Back to top
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