Non-Resident / Visitors to Australia Travel Insurance

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Travel Cover for Those Wanting to Visit Australia

We believe Australia is a truly beautiful country to visit, for both short-term and long-term stays. We're obviously a little biased, but Australia does have everything from world-class cities, through to unspoiled natural environments that are one-of-a-kind. But it doesn't negate the need for travel insurance for non-resident visitors to Australia.

Our medical facilities and healthcare professionals are all excellent, thanks in part to Medicare, but as a visitor to Australia, using any of them could end up costing you a small fortune if you don't have travel insurance. And while we would hope you are able to visit our spectacular country without needing medical care, we are also pragmatists who acknowledge that anything could happen, no matter how cautious you are.

immigration passport stamp

You cannot enjoy your holiday if you keep putting off much needed medical treatment, or wondering if your luggage - which somehow missed the flight you took - will ever show up. And having visitors travel insurance means never having to do any of that.

What Could Travel Insurance for Visitors to Australia Cover?

All travel insurance policies are different, but the type of cover you could expect would include some of the following:

  • Medical Expenses, Evacuation, and Repatriation - for if you require medical treatment because of illness or an injury suffered during your visit to Australia. Pre-existing medical conditions are not covered by default, unless disclosed and allowed by your insurer. If the nature of your illness or injury is such that medical evacuation or repatriation is needed, this too will be covered by most travel insurance policies. And all of the travel insurance policies we offer for visitors to Australia include free coverage for dependent children travelling with you.

  • Luggage and Personal Effects - a lot can happen to your luggage between the time you board your first flight and when you arrive in Australia. Sorting errors could see your luggage sent to the wrong destination, or even 'disappear', with nobody able to say where it is. It could also be manhandled, with some of your personal effects being damaged in transit. A travel insurance policy will see you being reimbursed for some of the costs associated with this, with individual limits set for high-value items such as computers, camera's, and smartphones, and an emergency luggage benefit for if your luggage is simply delayed, so you can at least buy a few essential toiletries and clothing items until it arrives. This benefit also applies in some circumstances to any personal effects being stolen during your stay in Australia, along with separate benefits for the replacement of passports, travel documents, and credit cards.

  • Cancellation Fees & Lost Deposits - There are a number of reasons why you may need to cancel or defer your trip, or any part of it, and without travel insurance you could find yourself out-of-pocket as a result of only some of your prepaid expenses being refundable, if any. With the cancellation fee and lost deposit benefit included in most travel insurance policies, you will be in a better position financially to reschedule your trip to Australia instead of forgoing it completely.

  • Rental Vehicle Excess - Many visitors to Australia wouldn't want to be limited to only visiting areas accessible on foot or via public transport, making the use of a rental vehicle an essential choice. But should anything happen to the vehicle before you return it to the rental agency, you will be responsible for the excess, which can be much higher than what is usually offered by any rental vehicle insurance you take out. Some travel insurance policies include a benefit for this, and should you be responsible for a car accident that results in someone being injured, your policy may even include a personal liability benefit.

The Product Disclosure Statement will list all the benefits you can expect, along with any limits or conditions for each.

Easily compare and get quotes for travel insurance products for visitors to Australia

  • logo_QBE_large

    QBE - Inbound Travel Plan

    Cruising cover is included

    No cover for existing medical conditions

    Policies issued more than 7 days after arrival into Australia have a 28 day waiting period for medically related claims.

    • Cancellation or holiday deferment costs
      $20,000 ($10,000 travellers 60 years+)
    • Emergency travel arrangements and accommodation expenses
      $20,000
    • Agent's cancellation fees
      $2,000
    • Medical Expenses
      $200,000 ($10,000 travellers 60 years+)
    • Medical evacuation and repatriation
      $200,000 ($10,000 travellers 60 years+)
    • Non medical evacuation and repatriation
      $200,000
    • Travel delay
      $1,200
    • Rental vehicle insurance excess
      $1,000
    • Luggage and personal effects maximum limit
      $4,000
    • Personal computer, camera, video individual item limit
      $1,000
    • Smartphones
      $1,000
    • Dentures or dental prosthesis individual item limit
      $800
    • Other individual item limit
      $500
    • Emergency luggage
      $300
    • Replacement passports and travel documents
      $2,000
    • Accidental Death
      $25,000
    • Funeral expenses overseas or repatriation of remains
      $25,000
    • Personal liability
      $5,000
  • logo_ATC_large

    Aussietravelcover - Basic Non-Resident

    Cruising cover is included

    No cover for existing medical conditions

    Policies issued after arrival into Australia have a 48 hr waiting period for medically related claims.

    • Cancellation Fees & Lost Deposits
      $3,000
    • Overseas Emergency Medical Assistance/Evacuation
      Unlimited
    • Overseas Emergency Medical or Hospital Expenses
      Unlimited
    • Additional Expenses
      $5,000
    • Hospital Cash Allowance
      $1,500
    • Accidental Death
      $10,000
    • Permanent Disability
      $10,000
    • Loss of Travel Documents, Credit Cards and Travellers Cheques
      $500
    • Luggage and Personal Effects
      $1,500
    • Luggage and Personal Effects Delay Expenses
      $200
    • Travel Delay Expenses
      $1,000
    • Alternative Transport Expenses
      $1,500
    • Personal Liability
      $1 million
    • Rental Vehicle Excess / Return of Vehicle
      $2,000
  • logo_CHI_large

    CHI - Basic Non-Resident

    Cruising cover is included

    No cover for existing medical conditions

    Policies issued after arrival into Australia have a 48 hr waiting period for medically related claims.

    • Cancellation Fees & Lost Deposits
      $4,000
    • Overseas Emergency Medical Assistance/Evacuation
      Unlimited
    • Overseas Emergency Medical & Hospital Expenses
      Unlimited
    • Additional Expenses
      $5,000
    • Hospital Cash Allowance
      $3,000
    • Accidental Death
      $10,000
    • Permanent Disability
      $10,000
    • Travel Documents, Credit Cards & Travellers Cheques
      $500
    • Luggage & Personal Effects
      $1,500
    • Luggage & Personal Effects Delay Expenses
      $250
    • Travel Delay Expenses
      $1,000
    • Alternative Transport Expenses
      $2,000
    • Personal Liability
      $1 million
    • Rental Vehicle Excess / Return of Vehicle
      $2,000
  • logo_ATC_large

    Aussietravelcover - Top Non-Resident

    Cruising cover is included

    No cover for existing medical conditions

    Policies issued after arrival into Australia have a 48 hr waiting period for medically related claims.

    • Cancellation Fees & Lost Deposits
      $10,000
    • Overseas Emergency Medical Assistance/Evacuation
      Unlimited
    • Overseas Emergency Medical or Hospital Expenses
      Unlimited
    • Additional Expenses
      $15,000
    • Hospital Cash Allowance
      $3,000
    • Accidental Death
      $10,000
    • Permanent Disability
      $10,000
    • Loss of Travel Documents, Credit Cards and Travellers Cheques
      $1,000
    • Luggage and Personal Effects
      $3,000
    • Luggage and Personal Effects Delay Expenses
      $200
    • Travel Delay Expenses
      $2,000
    • Alternative Transport Expenses
      $2,000
    • Personal Liability
      $5 million
    • Rental Vehicle Excess / Return of Vehicle
      $2,000
  • logo_CHI_large

    CHI - Mid Non-Resident

    Cruising cover is included

    No cover for existing medical conditions

    Policies issued after arrival into Australia have a 48 hr waiting period for medically related claims.

    • Cancellation Fees & Lost Deposits
      $10,000
    • Overseas Emergency Medical Assistance/Evacuation
      Unlimited
    • Overseas Emergency Medical & Hospital Expenses
      Unlimited
    • Additional Expenses
      $50,000
    • Hospital Cash Allowance
      $5,000
    • Accidental Death
      $25,000
    • Permanent Disability
      $25,000
    • Travel Documents, Credit Cards & Travellers Cheques
      $5,000
    • Luggage & Personal Effects
      $8,000
    • Luggage & Personal Effects Delay Expenses
      $250
    • Travel Delay Expenses
      $2,000
    • Alternative Transport Expenses
      $5,000
    • Personal Liability
      $5 million
    • Rental Vehicle Excess / Return of Vehicle
      $3,000

Are There Special Requirements for Travel Insurance for Visitors to Australia?

All travel insurance policies will have certain requirements attached to them, but like benefits, these will vary from one insurer to the next. A common requirement for visitors to Australia travel insurance is that the majority of your trip is spent in Australia; some may include cover for other destinations you visit during your trip, but only on condition that the time spent in other destinations does not exceed the time spent in Australia.

You should also be aware that travel insurance for visitors to Australia will include age limits, which could be anywhere from 69-years of age, to 81-years of age. Additionally, even though you will need to disclose any pre-existing medical conditions, these will not always be covered by the policy.

Finally, it is always recommended that you take out travel insurance before your journey starts, but visitors to Australia can still get travel insurance once they have arrived in the country, though this will have waiting periods attached before any claims will be considered.

How to Compare Visitors to Australia Travel Insurance Quotes

The old adage of getting what you paid for applies to many things in life, and travel insurance is no different. Cheap travel insurance might be very appealing based on cost alone, but do the benefits match up to what you could need?

When comparing travel insurance quotes, it is usually better to do it online where you will be able to compare multiple quotes from different insurers. You will then not only be able to compare the cost, but also the type of benefits each policy includes. Does it include cover for cruises, travelling by motorcycle, and some high-risk activities? If you're absolutely sure you won't need those benefits, you can safely ignore them, but if there is some chance you may suddenly add a short cruise to your trip, you would want to know you'll be covered without the need for an additional policy.