Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
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!
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.
Overseas Visitors or Inbound policies generally are for those travellers coming to Australia on holiday (or business) who do not have travel cover from their home country.
While it is typical to purchase travel insurance from your home country before you depart, more and more travellers to Australia are taking out policies with Australian brands for their perceived reliability. With one in four Australians born overseas, and 46% of Aussies have at least one parent born overseas, increasingly these policies are bought by locals for friends and family visiting Australia.
|Insurer||Policy type||Conditions||Underwriter||Buy Now|
|1Cover||Travel insurance visitors to Australia||Available to those aged 74 and under. Must purchase within 14 days of arrival in Australia. Not available for those who are eligible for Medicare. 7 day waiting period for all claims from the purchase date.||Certain underwriters at Lloyd's||GO TO INSURER|
|Travel Insurance Saver||Inbound Travel Plan||Available to those aged 80 and under who are entering Australia on a temporary basis. Policies issued more than 7 days after arrival in Australia have a 28 day waiting period for all medical claims.||QBE Insurance Limited||GO TO INSURER|
|Aussie Travel Cover||Plan E - non resident||Available to those aged 85 and under. Not available for those who are eligible for Medicare. 48 hour waiting period for medical claims from issue date.||Allianz Australia Insurance Limited|
|Cover-More||Visitors Inbound Plan||Available to those aged 68 and under, be returning to your country of residence at the completion of the Period of Insurance and within 18 months.||Zurich Australian Insurance Limited|
|Easy Travel Insurance||Inbound Travel Plan||Available to those aged 81 and under. Policies issued more than 7 days after arrival in Australia have a 28-day waiting period for medical claims.||QBE Insurance Limited|
|Go insurance||Inbound Non-Resident Policy||Available to those aged 75 and under. Majority of your trip must be within Australia. You must also be returning to your home country at the end of your trip||Certain underwriters at Lloyd's|
|North Travel Insurance||Non residents travel insurance||Available to those aged 85 and under. Policy is not available if the period travelling overseas exceeds the period you will be travelling in Australia. Not available for those who are eligible for Medicare. If a policy is issued after your arrival in Australia, a waiting period of 48hrs from the issue date stated on your Certificate of Insurance applies to all medical claims.||CHI|
|Sure Save||Budget inbound policy||Available to those aged 75 and under. Majority of trip must be spent in Australia.
No waiting period for inbound travel to Australia if you haven’t departed yet. However, there is a 7 day waiting period if you have already commenced your inbound trip.
|Certain underwriters at Lloyd's|
|Travel Insurance Cover||QBE Inbound Travel Insurance||Available to those aged 80 and under. Policies issued more than 7 days after arrival into Australia have a 28 day waiting period from the date of the Certificate of Insurance for medically related claims.||QBE Insurance Limited|
|Travel Insure||Overseas Visitors to Australia travel insurance||Available to those aged 69 and under. No pre-existing medical conditions are covered other than those automatically included.||Zurich Australian Insurance Limited|
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.
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.
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.
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!