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Travel insurance for visitors to Australia

Are you visiting Australia from overseas?

Or do you live in Australia and need to arrange travel insurance for friends or family visiting you?

If that's you, you might be finding it tricky to find cover. Most insurers in Australia require you to be a resident to qualify for cover, but there are options out there for you, keep reading for more details... 

What are visitors options?

Visitors to Australia can either choose to buy a policy from within their own country, or opt for Overseas Visitors Cover which unfortunately only a handful of companies in Australia offer.

What is overseas visitors cover? And what are the conditions?

Overseas vistors policies generally are for those travellers coming to Australia on holiday (or business) who have forgotten to buy a policy before they left their home country.

  • A visitors policy will typically cover your flight to Australia, the time while you are here, but cover will stop when you reach immigration at the airport when you are returning home
  • Age restrictions may apply
  • All or the majority of your trip must be within Australia to qualify for cover
  • A waiting period might be applied to medical claims
  • Must purchase within a specified time frame of landing in Australia
  • If you have Medicare, you may not be eligible for cover from some providers

Where can you buy it?


Policy Type

Hover on ticks for cover conditions


1Cover Travel insurance visitors to Australia Certain underwriters at LLoyd's
Aussie Travel Cover Plan E - non residents Allianz Australia Insurance Limited
Cover-More Visitors Inbound Plan Allianz Australia Insurance LimitedAllianz
Easy Travel Insurance Inbound Travel Plan QBE Insurance Limited
Go Insurance Inbound Non-Resident Policy Certain underwriters at LLoyd's
North Travel Insurance Non residents travel insurance CHI
Suresave  Temporary residents Of Australia Certain underwriters at LLoyd's
Travel Insurance Cover Non resident travel insurance inbound policy QBE Insurance Limited
Travel Insurance Saver Inbound Travel Plan QBE Insurance Limited
Travelinsure  (On-Line Agent for Cover-More) Overseas Visitors to Australia travel insurance

Great Lakes Australia

What’s typically included?

  • Medical cover within Australia: Medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits. You will not be covered for medical treatment outside of Australia
  • 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
  • Rental vehicle excess: Cover for the excess payment on your rental vehicle’s insurance if the car you are driving is involved in an accident or is stolen
  • Hospital cash allowance: A daily allowance if you are hospitalised overseas (allowance will start after a specified period of time spent in hospital)

Like any policy there are exclusions around pre-existing medical conditions and cancellation cover, so make sure you understand your cover by reading the Product Disclosure Statement before you buy.

Just after medical only cover?

If you're finding it difficult to get travel insurance, but are mainly concerned about medical benefits, perhaps you'd consider overseas visitors health insurance cover instead? A few Australian health insurers (not travel isurers) offer cover to non Australians, but remember these policies will not include any travel insurance benefits like cancellation, luggage, or personal liability benefits at all. Australian Unity, Bupa, HBF, HCF and Medibank all offer visitors health cover.

Do you qualify for Medicare?

Some countries have reciprocal 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.

Lucky for you if you're from one of these countries and you've got your medicare card, you're covered for medical treatment you receive while your'e here already.

Are you a non-resident living in Australia for a few years?

If you're in Australia on a working holiday visa (417), a sponsorship visa (457), a defacto visa, or even a student visa you should look into non-permanent resident travel insurance rather than a visitors policy. Follow the link for more info.

Whether you're here for a quick visit, or an extended break, overseas visitors travel insurance cover is a vital part of every trip. Get cover today to ensure a smooth-sailing, stress free holiday!

Travel insurance for friends or relatives visiting you in Oz!

visitors to australia travel insurance


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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