Inbound travel insurance

Compare inbound travel insurance policies

Brand	Policy Name	Age limit	Medical cover	Cancellation cover	Apply
CoverMore	Inbound Plan	Under 70	Unlimited	Benefit limit chosen	Bonus Get quote How to apply
Easy	Inbound Plan	Under 70	Unlimited	Benefit limit chosen	Get quote How to apply

_{This information was last updated August 2023}

What is inbound travel insurance?

Inbound travel insurance is for people currently living in another country and want cover while they're in Australia. It can cover you the moment you leave your home, during your trip in Australia, and also your return flight.

It provides cover for medical emergencies while you're in Australia, and it reimburses you for unavoidable trip cancellations and delays as well as lost, stolen or damaged luggage and personal items.

Inbound travel insurance vs regular travel insurance

You need to be a resident (or temporary resident such as a visa holder) to get regular travel insurance. An inbound policy is designed for non-residents visiting Australia.

The inclusions are the exact same though. You can get the same comprehensive level of cover as you would with a regular policy – cancellations, medical expenses, alternative transport costs and more.

General conditions for applicants

General eligibility requirements for inbound travel insurance include:

• You must be a non-resident of Australia travelling to Australia for a temporary period and then returning to your home country
• You generally must be under 70 years of age at the time the policy is issued (age limits vary between insurers)
• Your trip must include travel within Australia
• You must have purchased cover less than 12 months prior to arriving in Australia

What does inbound travel insurance to Australia cover?

Inbound travel insurance covers more than just your flight to Australia. You also get:

• Medical, evacuation and repatriation expenses. This section of the policy protects you from the prohibitive costs of receiving medical treatment overseas. It also covers you if you need to be flown home due to medical complications.
• Trip cancellation, delay or curtailment expenses and additional emergency expenses. If you're forced to cancel or rearrange your travel plans due to an unforeseen event, this benefit covers the additional expenses you incur.
• Loss, theft or damage of luggage and personal effects. If your luggage is lost or stolen, this provision provides you with a benefit up to the limit listed in the policy document.
• Replacement of passports and travel documents. If you lose your passport or your travel documents are stolen, this part of your policy covers you for the replacement costs you incur.
• Rental vehicle insurance excess. Rental car excess provides cover for the gap or excess charged by a car rental company in the event your car is damaged or stolen.
• Accidental death and funeral expenses. This cover provides your family with a benefit should you die while overseas and also provides cover for the costs of repatriation of your remains back to your home country.
• Personal liability insurance. If while you're in Australia you become liable for damages to a third party, this benefit covers you up to the benefit limit for the costs your libel to pay.

Inbound travel insurance exclusions

Specific exclusions that apply to inbound travel insurance include:

• No cover for pre-existing medical conditions unless approved
• No cover for snow sports
• No provision for suspension of the policy
• No medical cover if you are entitled to Australian health benefits

There are also a range of general exclusions that apply to all travel insurance policies, including inbound travel insurance, where no cover is provided in the following circumstances:

Inbound travel insurance FAQs

• Are my children covered as well?

  Yes, most inbound travel insurance policies can cover your children at no additional cost, so long as they are financially dependent on you and under 25.

• Am I covered for medical expenses in Australia?

  Yes. Inbound travel insurance typically covers your medical and hospital expenses while you're in Australia.

  Yes. As these policies are designed for travellers coming to Australia on a short term basis, they cover medical treatment. However, if you're from a member country, such as the UK, Italy or Sweden, you will be able to receive medical treatment with the RHCA.

• I am a non-resident living in Australia – what cover can I get?

  If you're a temporary visa holder and live in Australia, you can usually take out regular travel insurance.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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