Quick summary for busy readers:
- If you’re in Australia on a 482 visa and want to travel overseas for a holiday, you’ll generally need a specific type of policy rather than a standard Australian travel insurance policy.
- Not every insurer offers cover to temporary visa holders, and the ones that do usually have conditions, like your trip needing to start and end in Australia, or requiring proof of a return ticket.
Are you in Australia on a 482 visa? Well, you may think leaving the country is off the table but it’s not! If you want to hit the slopes in New Zealand, have an adventure in Southeast Asia or simply take a trip home to visit your family, you absolutely can.
The catch is that finding travel insurance isn’t as simple as it would be for an Australian citizen; this is because a lot of standard policies are built with residents in mind rather than temporary visa holders.
Never fear, we’ve done the hard work for you. Read on to see how to get travel insurance as a 482 visa holder.
Which travel insurance is best for a 482 visa?
If you’re planning to travel outside Australia while on a 482 visa – whether it’s a holiday or a trip home – you’ll need what’s known as non-resident travel insurance. This is a specific type of policy designed for people living in Australia without permanent residency, and it's different from both standard Australian travel insurance and your everyday Overseas Visitor Health Cover (OVHC).
Not every insurer offers non-resident travel insurance, and the ones that do generally attach a few conditions:
- Your trip needs to start and end in Australia.
- You’ll usually need a booked return airfare.
- You’ll need a permanent address in Australia that you’re returning to.
- Some insurers require you to have already been living in Australia for a minimum period, commonly around three months.
- Your visa needs to allow you to leave and re-enter Australia (which the 482 does).
Because eligibility and inclusions vary a fair bit between insurers, we’ve listed the providers who offer travel insurance to 482 visa holders and their conditions below.
| Provider | Covered? | Covered without Medicare? | Conditions | Action | |
|---|---|---|---|---|---|
 1Cover | Yes | Yes | You must currently reside in Australia, and your journey must start and end in Australia. Your 482 visa must be valid for at least 12 months, and you must be covered by either Medicare or private health insurance that extends beyond the policy dates. | Quote | |
 FastCover | Yes | Yes | You must hold either a valid Medicare card or private health insurance that satisfies the health insurance requirements attached to your 482 visa. Your visa must remain valid beyond your return date, you must have a home in Australia to return to, your trip must start and end in Australia, and you must hold a return ticket to Australia. | Quote | |
 Insure n Go | Yes | Yes | As a non-permanent resident, you must hold a valid Medicare card, Private Health Fund policy, or Overseas Student Travel Insurance in Australia. | Quote | |
 Tick Travel Insurance | Yes | Yes | As a non-permanent resident, you must hold a valid Medicare card, Private Health Fund policy, or Overseas Student Travel Insurance in Australia. | Quote | |
 Travel Insurance Saver | Yes | Yes | You must have been resident in Australia for at least 3 months, and you must be aged 90 or under. | Quote | |
 Zoom | Yes | Yes | You must currently reside in Australia, and your journey must start and end in Australia. Your 482 visa must be valid for at least 12 months, and you must be covered by either Medicare or private health insurance that extends beyond the policy dates. | Quote | |
 AHM | Yes | Yes | You must be living in Australia on your 482 visa, and you must return home by the completion of the insurance period. | ||
 All Clear | Yes | Yes | As a non-permanent resident, you must hold a valid Medicare card, Private Health Fund policy, or Overseas Student Travel Insurance in Australia. | ||
 Australian Seniors | Yes | Yes | You must have a permanent home in Australia. Your 482 visa must remain valid after your journey ends and allow unrestricted right of entry into Australia. You must purchase the policy before starting your journey, and your journey must start and end in Australia. | ||
 Boomers | Yes | Yes | You must have been a resident of Australia for at least 3 months prior to purchasing the policy, and you must not have a permanent place of abode outside Australia. | ||
 Budget Direct | Yes | Yes | You must be living in Australia on your 482 visa, and you must return home by the completion of the insurance period. | ||
 Cover more | Yes | Yes | You must be living in Australia on your 482 visa, and you must return home by the completion of the insurance period. | ||
 Easy Travel Insurance | Yes | Yes | You must be living in Australia on your 482 visa, and you must return home by the completion of the insurance period. | ||
 Freely | Yes | Yes | Your 482 visa must authorise you to live and work in Australia, and you must maintain the minimum level of health insurance coverage required by the Department of Home Affairs. | ||
 Go Insurance | Yes | Yes | You must have lived in Australia for at least 3 months prior to purchasing the policy, hold your valid 482 visa granting entry to and stay in Australia, be aged 75 or under, and plan to be overseas for no more than 18 months from your departure date. | ||
 Insure 4 Less | Yes | Yes | You must have been a resident of Australia for at least 3 months prior to purchase, must not have permanently migrated overseas, and must be aged 70 or under. | ||
 Medibank | Yes | Yes | You must be living in Australia on your 482 visa, and you must return home by the completion of the insurance period. | ||
 PassportCard | Yes | Yes | As a non-permanent resident, you must hold a valid Medicare card, Private Health Fund policy, or Overseas Student Travel Insurance in Australia, and you must intend to depart from and return to your home during the period of insurance. | ||
 Southern Cross | No | No | No | ||
 Travel Insurance Direct | Yes | Yes | You must have unrestricted right of entry into Australia, access to long-term medical care here, and be under 75 years of age when the Certificate of Insurance is issued. | ||
 Travel Insuranz | Yes | Yes | You must have been resident in Australia for at least 3 months, and you must be aged 80 or under. | ||
 WorldCare | Yes | Yes | You must have a permanent home in Australia. Your 482 visa must remain valid after your journey ends and allow unrestricted right of entry into Australia. You must purchase the policy before starting your journey, and your journey must start and end in Australia. | ||
 World 2 Cover | Maybe | No | World2Cover requires a valid Australian Medicare card regardless of visa type, so cover ultimately depends on whether you're eligible for Medicare (for example, through a Reciprocal Health Care Agreement based on your nationality). You must also hold a return ticket to Australia, and your primary place of residence must be in Australia. If you don't have Medicare access, this insurer won't cover you even though the 482 visa on its own qualifies. | ||
 World Nomads | No | No | No |
Start comparing travel insurance now
Join thousands of Australians who save time and money with our free comparison tool.
No credit card required · 100% free to use
