Finder makes money from featured partners, but editorial opinions are our own.

Travel insurance for Non-Australian residents

If you're living in Australia on a temporary visa, and have been here at least 3 months, most travel insurers will cover you. Compare quotes from 13 brands.

What you need to know

  • If you are on an Australian visa and live here, you can get a regular travel insurance policy.
  • We have outlined how some of the most popular travel insurers cover Non-Australian residents.
  • Travel insurance can cover medical expenses, flight cancellations, lost luggage and more.

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 are eligible for Medicare, or
  • Are you on a working visa?

If you answered "yes" to at least 1 of these, you should be eligible for non-resident travel insurance.

You shouldn't have any trouble taking out a regular travel insurance policy as a temporary resident. I moved here in 2018 on a working visa and have been able to take out cover with a bunch of Australian travel insurers including Fast Cover, SCTI and Cover-More.

Compare travel insurance quotes

Add kids under the age of 1 by typing a “0” 0 traveller(s)


By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Compare travel insurance brands for Non-Australian residents

BrandHow they cover Non-Australian residentsApply
Medibank Travel InsuranceCurrently living in Australia with a visa allowing you to live, work or study in Australia and will be returning home at the completion of the period of insurance
Bonus
Get quote
Freely LogoAustralian visa that:
  • Authorises to live and work in Australia
  • Maintain a minimum level of health insurance coverage as required by the Department of Home Affairs
Bonus
Get quote
Zoom logo
  • Aged 74 and under
  • Hold a return ticket to Australia
  • Have a home in Australia which you intend to return to
  • Hold a valid visa or permit which provides access to all publicly funded health and disability services in Australia or you have private health insurance
Get quote
Fast Cover Logo
  • Hold a valid Medicare card or are covered by an Australian private health insurance policy that satisfies the government health insurance requirements for your visa type
  • Have a home in Australia to which you intend to return
  • Your trip starts and ends in Australia
  • You hold a return ticket to Australia
Finder AwardBonus
Get quote
Insure4Less Travel Insurance LogoNon Australian citizens who have been resident in Australia for a period of not less than 3 months
Get quote
Travel Insuranz Travel Insurance LogoNon Australian citizens who have been resident in Australia for a period of not less than 3 months
Get quote
insureandgoNon permanent residents who have a valid Medicare, private health fund or overseas student travel insurance in Australia
Finder AwardBonus
Get quote
Tick LogoNon permanent residents who have a valid Medicare, private health fund or overseas student travel insurance in Australia
Bonus
Get quote
World2Cover Logo
Temporary residents between the ages of 18 and 75, provided:
  • You hold a current Australian visa (not a tourist, study or working holiday visa) that will remain valid beyond the
    period of your return from your Trip
  • You hold a return ticket
  • You have a primary place of residence in Australia that you intend to return to
  • You purchase your policy before you begin your trip
  • Your trip begins and ends in Australia
Get quote
Covermore logo
  • You have a visa allowing you to live, work or study in Australia (or non-resident of Australia travelling on the inbound plan)
  • Will be returning home at the completion of the period of insurance
Bonus
Get quote
southern cross travel insuranceAvailable to customers living in Australia permanently who are eligible to all publicly funded health and disability services.
Finder Award
Get quote
Travel with Kit Logo
  • Holder of a valid Australian permanent resident visa, partner/spouse visa or skilled working visa (457 or other skilled working visa)
  • New Zealand passport holder permanently residing in Australia
  • Has unrestricted right of entry into Australia
  • Has access to long-term medical care in Australia (not including reciprocal health care agreements)
  • Has a permanent Australian residential address
  • Agrees to be repatriated, if required, back to Australia under this insurance
More info
Travel with Jane Logo
  • Holder of a valid Australian permanent resident visa, partner/spouse visa or skilled working visa (457 or other skilled working visa)
  • New Zealand passport holder permanently residing in Australia
  • Has unrestricted right of entry into Australia
  • Has access to long-term medical care in Australia (not including reciprocal health care agreements)
  • Has a permanent Australian residential address
  • Agrees to be repatriated, if required, back to Australia under this insurance
More info
Easy Travel InsuranceHold a visa allowing you to live, work or study in Australia
Get quote
Australia PostCurrently living in Australia with a visa allowing You to live, work or study in Australia) and will be returning home at the completion of the Period of Insurance.
Get quote
WorldcareTemporary residents between the ages of 18 and 75, provided:
  • You hold a current Australian visa (not a tourist, study or working holiday visa) that will remain valid beyond the
    period of your return from your trip
  • You hold a return ticket
  • You have a primary place of residence in Australia that You intend to return to
  • You purchase your policy before you begin your trip
  • Your trip begins and ends in Australia
More info
RACV Travel Insurance Logo
Temporary residents over the age of 18, provided:
  • You hold a current Australian visa (excluding a tourist or working holiday visa) that will remain valid beyond the period of your return from your trip
  • You hold a return ticket
  • You have a permanent place of residence in Australia that you intend to return to
  • You purchase your policy before you begin your trip
  • Your trip begins and ends in Australia
More info

Note: This information was last updated August 2023

Eligibility criteria for Non-Australian residents

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 offers 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 flightCancellation 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 delayLuggage delay. If you lose your luggage or it is misplaced by a travel provider, you'll receive a benefit to buy emergency clothing and toiletries.

travel delayTravel 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 effectsLuggage 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 excessRental 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 liabilityPersonal 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 documentsTravel documents. If your important travel documents are lost or stolen, you'll be covered for the cost of their replacement.

Icons made by Freepik, Dave Gandy, Smashicons, Pixel perfect, mavadee from www.flaticon.com is licensed by CC 3.0 BY

Get a free travel insurance quote

Why you can trust Finder's travel insurance experts

free

We're free

Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and reviewed almost every travel insurer on the market as part of our Finder Awards and our in-house experts regularly appear on Sunrise, 7News and various news publications.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

FAQs about Non-Australian residents and travel insurance

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.

Go to site