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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 visitors 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




1Cover Travel insurance visitors to Australia Available to those under 74. Must purchase within 14 days of arrival in Australia. Not available for those who are eligible for Medicare. 7 day waiting period for medical claims. Certain underwriters at LLoyd's BUY
Travel Insurance Saver Inbound Travel Plan Available to those under 81 years who are entering Australia on a temporary basis.  QBE Insurance Limited BUY
Aussie Travel Cover Plan E - non residents Available to those aged under 85. Not available for those who are eligible for Medicare. 48 hour waiting period for medical claims.  Allianz Australia Insurance Limited  
Cover-More Visitors Inbound Plan You must be under 69 years and 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

You must be aged 81 years or 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 under 75. 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 under 81. 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. 48 hours waiting period for medical claims.  CHI  
Suresave  Temporary residents Of Australia Available to those under 76 years. Majority of trip must be spent in Australia.
30 days waiting period inbound travel to Australia. Outbound travel 7 day waiting period from purchase date.
Certain underwriters at LLoyd's  
Travel Insurance Cover Non resident travel insurance inbound policy Only available for temporary travel. Must purchase within 7 days of arrival in Australia. Not available for those who are eligible for Medicare. 28 day waiting period for medical claims.  QBE Insurance Limited  
Travelinsure  (On-Line Agent for Cover-More) Overseas Visitors to Australia travel insurance Available to those aged under 70. No pre-existing medical conditions are covered.  Zurich Australian Insurance Limited  

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!


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 Eugene travel insurance geek extraordinaire anything

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