Does travel insurance cover visa refusals?

Travel insurance won't cover you if your visa application is refused by the government of the country you're travelling to.

Jessica Prasida's headshot

By

Jessica Prasida

Updated

Fact checked
Overseas Visitors Health Cover

Unfortunately, travel insurance doesn't provide any cover if your visa application is refused by the government of your destination country. Travel insurance policies will exclude any claims that arise if you fail to obtain the appropriate visa. As a result, you won’t be reimbursed for any cancellation fees and lost deposits.

So what should I do?

If your visa is rejected, the next course of action will vary depending on which country denied you the visa. Typically you can

  • Re-apply for a visa or ask for a review. For example, if your application for a visa for the United Kingdom (UK) is rejected, you can request an administrative review of your application by filling out a review form online.
  • Ask your travel service provider if they can let you reschedule your trip. This will give time for your destination's embassy to review your new application or appeal.
  • If all else fails, ask your travel service provider for a refund. You might be able to get a partial refund back for your trip.

If you've yet to book you're trip or apply for a visa, it's important to apply for a visa well in advance of your planned travel dates. Applying early allows enough time for you to take whatever action possible without having to cancel or rebook your trip.

How do I avoid a visa refusal?

  • Understand the visa requirements for a country. Australians can read about the entry requirements for popular travel destinations on the Department of Foreign Affairs and Trade’s Smartraveller website.
  • Understand how long it takes for a visa to get processed. If a country typically takes one to two months to process visa applications, applying a few days before your scheduled departure isn’t going to help.
  • Leave extra time for processing and knock backs. Even if you satisfy all eligibility criteria, allow extra time in case processing your application takes longer than expected or your first application is refused.
  • Apply for the visa before you book any travel arrangements. Travel insurance won’t cover your cancellation costs if your visa application is refused, so apply before you hand over any money to book your holiday.
  • Confirm with the embassy of the destination country that you have met the visa requirements. Double-check with the relevant embassy that you have satisfied all the necessary requirements to gain entry. Confirming that you will be allowed entry ahead of time can save you a whole lot of stress in the long run.

Compare travel insurance cover for cancellations and lost visas overseas

Add kids under the age of 1 by typing a “0”0 traveller(s)

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Jessica Prasida's headshot
Travel Insurance Expert

Jessica Prasida brings a decade of experience in the travel industry, including over four years as a travel agent and branch manager at STA Travel. She holds a Bachelor of Business and a Master of Marketing from the University of Technology, Sydney, as well as a Tier 1 General Insurance qualification that complies with ASIC guidelines. An avid traveller herself, Jessica combines her professional expertise with a passion for ensuring safe and enjoyable journeys for all travellers. Jessica was a Travel Insurance Publisher at Finder from 2019 to 2024. See full bio

More resources on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site