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Non resident travel insurance

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


If that's you and you're 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 Skilled Working Visa, 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. 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 cover for temporary residents. 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  Available as long as you hold a valid 457 visa beyond the period of your trip; and you have a home in Australia to which you intend to return; and you hold a return ticket to Australia; and your trip ends in Australia; and you are under 74 years.   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 International plans 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 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 skilled working visa, partner defacto visa or student visa (from a country without reciprical heathcare agreements) and you want an overseas holiday that starts and ends in Australia....the following table can help:

INSURER

COVER

DETAILS

BUY A POLICY

1st for Women Cover available for non-residents with valid Medicare, private health fund or student travel insurance.  
Budget Direct Cover available for non-residents with valid Medicare, private health fund or student travel insurance.  
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.   
Fastcover Available as long as you hold a valid 457 visa beyond the period of your trip; and you have a home in Australia to which you intend to return; and you hold a return ticket to Australia; and your trip ends in Australia; and you are under 74 years.   
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.  
Tick Travel Insurance Cover available for non-residents with valid Medicare, private health fund or student travel insurance.  
TID 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

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 Australian 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: Non-residents visiting Australia.
 

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!

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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!

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