Non-residents of Australia can get travel insurance from a normal Australian travel insurance company, assuming you fall into any one of these three buckets:
If you answered "yes" to at least 1 of these, you should be eligible for non-resident travel insurance.
You shouldn't have any trouble taking out a regular travel insurance policy as a temporary resident. I moved here in 2018 on a working visa and have been able to take out cover with a bunch of Australian travel insurers including Fast Cover, SCTI and Cover-More.
Gary Ross Hunter
Finder's insurance and innovations editor
| Brand | How they cover Non-Australian residents | Apply |
|---|---|---|
 | Currently living in Australia with a visa allowing you to live, work or study in Australia and will be returning home at the completion of the period of insurance | Bonus |
 | Australian visa that:
| Bonus |
 |
| Get quote |
 |
| Finder AwardBonus |
 | Non Australian citizens who have been resident in Australia for a period of not less than 3 months | Get quote |
 | Non Australian citizens who have been resident in Australia for a period of not less than 3 months | Get quote |
 | Non permanent residents who have a valid Medicare, private health fund or overseas student travel insurance in Australia | Finder AwardBonus |
 | Non permanent residents who have a valid Medicare, private health fund or overseas student travel insurance in Australia | Finder AwardBonus |
 | Temporary residents up to the age of 75, provided:
| Get quote |
 |
| Bonus |
 | Hold a visa allowing you to live, work or study in Australia | Get quote |
 | Currently living in Australia with a visa allowing You to live, work or study in Australia) and will be returning home at the completion of the Period of Insurance. | Get quote |
 | Temporary residents up to the age of 75, provided:
| More info |
 | Temporary residents up to 110 years of age for Single Trip policies and up to 75 years of age for Annual Multi-Trip policies, provided:
| More info |
 |
| More info |
 | Currently living in Australia with a visa allowing You to live, work or study in Australia (or non-resident of Australia travelling on the Inbound plan) and will be returning Home at the completion of the Period of Insurance | More info |
Note: This information was last updated November 2024
General requirements:
You are eligible to take out Medicare if you are travelling from a country that is part of the reciprocal healthcare agreement with Australia. The following countries are part of the agreement:
The United Kingdom
The Republic of Ireland
Sweden
The Netherlands
Finland
Italy
Malta
Norway
Belgium
New Zealand
Slovenia
Though the exact benefits and level of cover offered differ between insurance providers, most travel insurance for non-Australian residents typically offers the following benefits:
Emergency medical expenses. This benefit provides cover for the cost of any emergency medical or dental expenses you may incur while travelling. This includes ambulance transportation, hospital costs and even emergency evacuation expenses.
Cancellation fees and lost deposits. Sometimes unforeseen events and circumstances can force you to cancel your trip or cut it short. Your policy will reimburse you for the cost of any cancellation fees or deposits that cannot be recovered.
Luggage delay. If you lose your luggage or it is misplaced by a travel provider, you'll receive a benefit to buy emergency clothing and toiletries.
Travel delay. If your pre-paid travel arrangements are delayed for more than a certain time period due to circumstances outside your control, you'll be covered for the cost of additional accommodation and meals expenses.
Luggage and personal effects. If your luggage or personal belongings are lost, stolen or damaged, you'll be able to take out cover for the cost of their repair or replacement.
Rental vehicle excess. If your rental car is crashed, stolen or damaged, your insurance policy will cover the cost of the excess charged by the rental company.
Personal liability. If you are found to be legally liable for causing bodily injury or property damage to a third party during your trip, your policy will provide the cover you need.
Travel documents. If your important travel documents are lost or stolen, you'll be covered for the cost of their replacement.
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Is travel insurance really necessary when you’re coming here on a visa? The answer is "yes" and this guide looks at what you need and why you need it when travelling to Australia on a 457 visa.
I am a Ukrainian national currently in Turkey travelling to Australia and need travel insurance for me 45, mother 62 and two sons age 2 and 7. Travelling on a tourist visa from mid march for 6 months. What insurance companies can I apply with.
Hi Nadia,
Thank you very much for your message. I can definitely help. Health insurance is required for any type of visitor visa if your home country doesn’t have a Reciprocal Health Care Agreement with Australia.
In your situation, everyone on the visa will need to have Overseas Visitor Health Cover. You can compare a number of Australian brands that will satisfy this visa requirement on our guide to OVHC here.
Once you’ve taken out a policy, you will be issued a certificate of insurance online via email. You can attach this to your visa application. I hope this helps, and please accept my best wishes to you and your family.
Regards,
James
We have visitors here from Italy, they already have travel insurance that cannot be amended for the entirety of their trip. We have booked a cruise ex Syd to New Caledonia and want travel insurance for those 8 days. One of the travellers is 82 years old. Any suggestions?
Hi Anna,
Thanks for your inquiry.
Whether you’re a traveller in your 50s, 60s, 70s or 80s, you can find seniors travel insurance to suit your needs. Many insurers provide cover for pre-existing conditions and travellers up to 101 years of age. You may visit our list of senior travel insurance to compare your options. Please also make use of the search filter tool on the page and it will show you a list of quotes for travel insurances. Once you have chosen a particular insurer, you may then click on the “Go to site” or “Get quote” button to request a quotation or proceed with your purchase or get in touch with their representatives for further assistance.
Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Best regards,
Rench
Hi , I am 76 years old I have been in Australia for 13 years am non resident, my wife is 74 we wish to travel to Bali on the 5 th of October till the 15 th, have full over seas cover with HBF for the last 13 years, can you help.
Hi Leonard,
Thank you for your inquiry.
As per checking you are already in the correct page. Please review and compare the offers from different travel insurers listed above. You can choose the offer that will best fit your personal requirements.
I hope this information has helped.
Cheers,
Harold
Hi
Is it possible to get any insurance while holding a tourist visa?
Hi Mira,
Thanks for your question.
Whether or not you will be able to get cover will depend on the travel insurance brand you choose to take out cover with as cover requirements vary from insurer to insurer. You may find our travel insurance for short-term visitors useful.
I hope this was helpful,
Richard