Compare Travel Insurance Travel Insurance Tips Non resident travel insurance

Non resident travel insurance

Are you a non-resident living in Australia planning a trip overseas?

If that's you and you're in Australia on a temporary visa, you can still get travel insurance for your overseas holiday, it just might be a little tricker to find!

Most insurers in Australia require you to be a Resident to qualify for cover, but there are options out there for you.

These are typically the types of visas that you can be on that allow you to buy a non-resident policy:

  • 457 Temporary Business long stay
  • 405 or 410 Retirement or Investor Retirement
  • 411 Exchange
  • 416 Special program
  • 417 Working Holiday
  • 422 Medical Practitioner
  • 457 Sponsorship Visa
  • Student Visa

To purchase a overseas travel insurance policy in the first place you’ll probably already need to have valid Medicare cover or private health insurance whilst you are in Australia in order to qualify for cover too.

So who can get Medicare cover?

Good news for people from the following countries as you'll qualify for reciprocal healthcare agreements with Australia; New Zealand, the United Kingdom, the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway. So if you're here already and you haven't registered...get yourself to a Medicare centre now!

Where can I buy travel insurance for non-residents?

We’ve done the hard yards for you and found out which Australian insurers provide the cover you need. Compare non-resident travel insurance policies here:

INSURER

COVER

DETAILS

BUY A POLICY

1Cover   You are eligible if you have a valid Medicare Card  BUY
1st for Women Cover available for non-residents with valid Medicare, private health fund or student travel insurance  BUY
American Express Cover for 457 visas with valid Medicare    BUY
Budget Direct Cover available for non-residents with valid Medicare, private health fund or student travel insurance    BUY
Citibank No, you must be an Australian resident   
Columbus Direct

Available for non-residents on working holiday, student or other temporary visas as long as you have lived in Australia for the last three months.

 BUY
Downunder

Plan F: Cover for a one-way trip back to your home country

 BUY
Easy Travel Insurance International plan available for non-residents under the age of 70   
Fast Cover  Cover for 457 visas if you purchase before arrival in Australia who are under the age of 74.  BUY
Go Insurance Valid for single trip cover (returning to Australia) given you have lived in Australia for over three months.  
Insure4Less You must have lived in Australia for over 3 months and be under the age of 65 to get cover.  
InsureandGo  Cover available for non-residents with valid Medicare, private health fund or student travel insurance     BUY
itrek  You are eligible if you have a valid Medicare Card     BUY
Kango Cover  You are eligible if you have a valid Medicare Card  BUY
Multi-Trip Cover available for non-residents with valid Medicare, private health fund or student travel insurance   BUY
NIB Valid for holders of current 457 visas, valid student visas, skilled working visas and spousal visas but does not include 417 working holiday visas.  
No Worries Insurance Valid for single trip cover (returning to Australia) given you have lived in Australia for over three months and are aged 84 years or under.  BUY
Online Travel Insurance  You are eligible if you have a valid Medicare Card.  
On Tour Insurance  No, only available to permanent residents of Australia  
QBE International plan available for non-residents under the age of 70  
Simply Travel Insurance  You are eligible if you have a valid Medicare Card  BUY
Ski Insurance  You are eligible if you have a valid Medicare Card  BUY
Southern Cross Travel Insurance You must have a visa or permit which allows you to access all publicly funded health services in Australia.  BUY
Tick Travel Insurance Cover available for non-residents with valid Medicare, private health fund or student travel insurance   
Travel Insurance Direct Valid for holders of current 457 visas, valid student visas, skilled working visas and spousal visas but does not include 417 working holiday visas.  
Travel Insurance Saver International plan available for non-residents under the age of 70 BUY
Under 30 You are eligible if you have a valid Medicare Card  BUY
Virgin Money You are eligible if you have a valid Medicare Card  
Worldcare Available to non-residents under plan A: you must purchase your Policy in Australia and your journey must commence and end in Australia.  

Remember each insurer will have slightly different benefits so make sure you understand your cover by reading the Product Disclosure Statement before you buy.

Travel insurance for visitors to Australia from overseas

If you're looking for a policy to cover non-resident relatives or friends coming to visit you here, then you need 'travel insurance for visitors to Australia'. Follow the link for more info.

What’s Typically Included?

The four main things to ensure you've got covered are:

  • Medical cover: Medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits. 
     
  • Luggage and personal items: Loss, theft or damage to luggage and personal items
     
  • Personal liability: Cover in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property

  • Cancellation fees and lost deposits: The cost of rearranging or cancelling your journey because of unforeseen circumstances such as illness, accidents and extreme weather conditions

Whether you're here in Australia for a quick visit, or a four year work visa, non resident travel insurance is a vital part of every trip.

Not being Aussie shouldn't stop you from going overseas and seeing the world. There are plenty of options out there for you, you'll just have to look a bit harder. Get cover today to ensure a smooth-sailing, stress free holiday!

Most insurers cover non-residents. Woo hoo!

non resident travel insurance

TRAVEL INSURANCE EXTRAORDINAIRE AT YOUR SERVICE

Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

ASK ME A QUESTION:

Ask Eugene travel insurance geek extraordinaire anything

Other Articles You Might Like

Domestic travel insurance

Many people forget to buy travel insurance when they travel around Australia, but being covered domestically is just as important as being covered overseas.

Read more
Travel insurance for visitors to Australia

Are you visiting Australia from overseas? Or need to arrange travel insurance for friends or family visiting you? Get travel insurance for visitors to Australia today!

Read more
Backpackers insurance - quick tips for the astute

Backpacking and adventure - they go hand in hand. While to some degree the sense of new locations, challenges and risks are part of the spice of backpacking, there's one risk some trekkers still take that can land them in disaster…going overseas without travel insurance!

Read more
Our travel insurance comparison helps you save time, worry and loads of money!