Compare Travel InsuranceTravel Insurance TipsNon 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 here 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!

What are the requirements for non-resident travel insurance?

In the majority of cases you'll need to:
 
  • Have a trip booked that starts and ends in Australia
  • Be on a valid visa such as; 457 Temporary Business long stay, 411 Exchange, 416 Special program, 417 Working Holiday, 422 Medical Practitioner, 457 Sponsorship Visa, Student Visa
  • And have access to Medicare (keep reading for options without Medicare)

So who can get Medicare cover?

A few countries qualify for reciprical healthcare agreements with Australia such as; New Zealand, the United Kingdom, the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway. If you're from one of these countries and you haven't already registered...get yourself to a Medicare centre now. Non-residents who become permanent residents of Australia are also eligible for Medicare. 
 

Where can I buy travel insurance for non-residents?

We’ve done the hard yards for you and found out which  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.  
Zoom Available to non-residents provided they are:
a) aged 74 years and under
b) hold a return ticket to Australia
c) hold a current Aus 457 visa which will remain valid beyond the period of your journey
d) hold private health insurance for the entire journey and beyond
BUY

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

Who covers non-residents without medicare?

Table above a little overwhelming? We've separated out cover for those insurers that don't require you to have Medicare. If you're here temporarily on a 417 working holiday visa, partner defacto visa or student visa (from a country without reciprical heathcare agreements) and you want an overseas holiday where you start and end in Australia....the following table can help:

INSURER

COVER

DETAILS

BUY A POLICY

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
Easy Travel Insurance International plan available for non-residents under the age of 70.   
Go Insurance Available for international travel with a return trip back to Australia, as long as you have lived in Australia for the last three months. You must be aged 75 and under at the date of purchase.   
Insure 4 Less Available for non-residents under the age of 65 . You must have lived in Australia for over 3 months to get cover.  
No Worries

Available for international travel with a return trip back to Australia, as long as you have lived in Australia for the last three months. And be no more than 84 years of age at the date of purchase. 

 BUY
QBE

International plan available for non-residents under the age of 70.

 
Worldcare Available to non-residents under plan A. You must purchase your policy in Australia and your journey must commence and end in Australia.  
Zoom Available to non-residents provided they are:
a) aged 74 years and under
b) hold a return ticket to Australia
c) hold a current Australia visa which will remain valid beyond the period of the journey
d) hold private health insurance for the entire journey and beyond
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!

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

Backpacking? Compare and Save on Backpacker Insurance Today

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
Domestic Travel Insurance | Compare Quotes & Save!

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