Zoom travel insurance for non-residents

Find out how Zoom can cover non-residents and Australian 457 visa holders for overseas travel.

Are you living in Australia temporarily and want to take a holiday? If so, you’ve probably noticed that it can be hard to find the right travel insurance. Fortunately, Zoom has you covered with travel insurance for non-residents in Australia, including those on 457 temporary work visas, partner visas, student visas, working holiday visas and more.

Enjoy your trip knowing that you’re protected and that you’re getting value for money with Zoom’s price-beat guarantee.

Compare policies from Zoom Travel Insurance

Brands Product Product Details Apply
Zoom Travel Insurance Comprehensive

Get cover even if you're a non-resident

Unlimited overseas medical expenses

Unlimited cancellation cover

$7,500 luggage and personal effects cover

Get quote
Zoom Travel Insurance Standard

Unlimited overseas medical expenses

Unlimited cancellation cover

$5,000 cover for luggage and personal effects

Get quote
Zoom Travel Insurance Frequent Traveller

Take as many trips as you like all year with no pause to your cover

Unlimited overseas medical expenses

$5 million personal liability

$50,000 additional expenses cover

Get quote
Zoom Travel Insurance Domestic

$5 million personal liability

Unlimited cancellation cover

$7,500 luggage and personal effects

Get quote
Zoom Travel Insurance Medical Only

Unlimited overseas medical expenses

$2.5 million personal liability

Get quote
Zoom Travel Insurance Ski Cover

Unlimited emergency medical assistance

$1,500 snow sport equipment hire cover

$1,000 cover for piste closure

Get quote
Zoom Travel Insurance Cruise Cover

24/7 emergency assistance services

Unlimited overseas medical expenses

Cover for luggage and personal effects

Optional golf cover

Cover for travel delays

Get quote

How do the policy features measure up?

As a recent travel insurance start-up, Zoom is looking to do things differently. This means offering cover for temporary residents, as well as keeping it flexible with optional extras so you aren’t paying for cover you don’t need.

Simply pick your base cover option, then select whichever optional extras you need.

Emergency cover
FeatureMedical OnlyStandardComprehensiveFrequent Traveller
24/7 emergency assistance
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
Overseas emergency medical expenses
  • Unlimited
  • Unlimited
  • Unlimited
  • Unlimited
Additional expenses
  • No
$30,000$50,000$50,000
Hospital cash allowance
  • No
$2,500$3,000$3,000
Accidental death
  • No
  • No
$25,000$25,000
Permanent disability
  • No
  • No
$25,000$25,000
Loss of income
  • No
  • No
$10,400$10,400
Cancellation cover
Medical OnlyStandardComprehensiveFrequent Traveller
Cancellation fees, lost deposits
  • No
  • Unlimited
  • Unlimited
  • Unlimited
Alternative transport
  • No
  • No
$5,000$5,000
Travel delay
  • No
  • No
$2,000$2,000
Luggage and liability cover
Medical OnlyStandardComprehensiveFrequent Traveller
Luggage and personal effects
  • No
$5,000$7,500$7,500
Luggage delay expenses
  • No
  • No
$250$250
Travel documents and transaction cards
  • No
$2,000$5,000$5,000
Theft of cash
  • No
  • No
$250
Personal liability$2.5 million$2.5 million$5 million$5 million
Rental vehicle insurance excess
  • No
Optional inclusion, choice of $5,000 or $8,000Optional inclusion, choice of $5,000 or $8,000Optional inclusion, $8,000

What optional features are available?

Find the right optional extras to suit your travel plans.

Who is eligible for Zoom's non-resident travel insurance?

This type of travel insurance is designed for people who are living in Australia as temporary residents, such as those on a 457 temporary work visa, 416 or 417 working holiday visa, a partner or spouse visa, or others.

If you want to take an overseas holiday from Australia, you’ll want to make sure you have the appropriate travel cover.

To be eligible for non-resident travel cover with Zoom you must:

  • Be under the age of 75
  • Have a return ticket to Australia
  • Have a home in Australia you intend to return to
  • Hold a current Australian 457 visa
  • Have private health insurance for the entire journey and beyond

In the event of emergency repatriation, Zoom may choose to either return you to Australia or to an international airport in your home country.

What are the pros and cons of Zoom travel insurance for non-residents?

Pros
  • Non-residents can get cover
  • No medical underwriting required
  • Extras come as optional cover, so you aren’t paying for things you don’t need
  • Price matching is available, if you get a cheaper quote for comparable cover somewhere else
Cons
  • You must be under the age of 75
  • No domestic travel insurance is available for non-residents to travel within Australia
  • You need to have a return ticket to Australia booked before you can get cover

What are the key exclusions to be aware of?

You need to take certain precautions and there are some things you cannot claim for under this policy.

In order to make a claim you must:

  • Act reasonably and responsibly, and take appropriate precautions. This includes doing things like reviewing your bookings to make sure there are no errors and locking your hotel room when going out
  • Hold an appropriate driver’s licence. If you’re planning on driving a motorcycle while overseas, it’s important to note that you may need an Australian motorcycle licence
  • Avoid areas the Australian Government has listed as “reconsider your need to travel” or “do not travel”

You cannot claim for:

  • Anything resulting from medication you were on before your trip
  • Any mental illness or sexually transmitted disease
  • Any loss resulting from being under the influence of alcohol or drugs, except when taken as prescribed
  • Anything on-snow unless you have the Snow Pack extra
  • Anything on a cruise unless you have the Cruise Pack extra
  • Any pre-existing condition except those that are automatically covered

How does Zoom cover pre-existing conditions?

Some pre-existing medical conditions will be automatically covered under your policy while others will be automatically excluded. This is to keep things efficient, and so there are no medical underwriting requirements.

You can find a complete list of the pre-existing conditions covered in the PDS. If it’s not on this list, you may not be able to claim for any loss resulting from that condition.

Note that even if your condition is on the included list:

  • It must have been stable for at least 12 months
  • You must have no planned surgery, treatment or specialist review for it
  • You must not have attended hospital to treat it in the last 12 months (doctor and GP visits are fine though)

What should I do if I need to make a claim?

The procedures depend on the situation:

  • If it’s a medical claim, or an emergency of any kind: Call +61 2 8015 6261.
  • If it’s anything else: Call+61 7 3164 3261.

Generally, you should inform Zoom as soon as possible if you need to make a claim, although where necessary you should inform local authorities first.


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