Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
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. To buy a standard comprehensive travel insurance policy, 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|
Travel Insurance Saver
|Inbound Travel Plan||Available to those aged 69 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.||XL Insurance Company SE|
Aussie Travel Cover
|Top Non Residents/Basic Non Residents||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|
|Inbound Travel Insurance||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 69 and under.||Zurich Australian Insurance Limited|
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
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 insurers) 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 you're 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!
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.