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