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Multi-Award Winning Multi-Award Winning Travel Insurer

Over 2 Million Aussie Travellers covered so far +2 Million Aussie Travellers covered so far

Global Assistance 24-hour Global Emergency Assistance Network

InsureandGo Travel Insurance is 4.7 out of 5 stars from 1,490+ reviews on Trustpilot Rated 4.7 from 1,490+ reviews on Trustpilot
Travel insurance for Non-Australian Resident

If you’re living in Australia as a non-resident, you may be able to purchase our affordable and comprehensive travel insurance policies should you wish to travel overseas or domestically.

With our travel insurance policies, you’ll be backed by an expansive 24/7 assistance network with over 31,500 points of assistance across all continents.

InsureandGo Australia is a multi-award winning travel insurance company.

 

Eligibility Requirements for Non-Australian Resident Travel Insurance

  • Non-Australian residents must have either a valid Medicare card, private health fund, or overseas student travel insurance in Australia. This must remain valid for the entire duration of your holiday.
  • Your current Australian visa must remain valid beyond the period of your journey.
  • Your trip must start in Australia.
  • You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so email us and find out.
  • Unfortunately, we do not offer any insurance for inbound travellers coming to Australia.
  • You are covered for travelling to your home country even if it’s one way as long as it’s not one of our excluded countries.

Why Travel With Us?

All pre-existing conditions considered
Unlimited overseas medical expenses
Unlimited cover
Unlimited cancellation cover in our Gold Policy^
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24 hour emergency assistance
All pre-existing conditions considered
All medical conditions considered online or over the phone
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No upfront medical certificates required upon application
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21-day cooling off period

Why Purchase Non-Australian Resident Travel Insurance in Australia vs. Insurance from Your Home Country?

In most of the cases, you are restricted to purchasing travel insurance from the country you are currently living in. That means if you are currently living in Australia as a non-Australian resident, then you can consider InsureandGo Australia travel insurance policy in Australia.

Benefits of InsureandGo Australia Policies

Our non-Australian resident travel insurance provides the same benefits to all customers regardless of residency as long as they meet the required criteria. Just some of the benefits include (depending on the level of cover):

  • Trip cancellation
  • Unlimited overseas medical expenses
  • Emergency medical evacuation
  • Flight cancellation and coverage for destruction of destination from natural disaster (with natural disaster cover option)
  • Trip interruption
  • Lost bags or personal belongings

Additional coverage options:

  • Winter sports cover
  • Adventure sports cover

Our policies consider all pre-existing conditions, which are any conditions for which you have received medical advice, treatment or medication in the last five years. To see if we cover your pre-existing condition, please complete our medical assessment online or over the phone. Please note, that failing to declare a pre-existing condition can void your policy.

Other Reasons to Choose InsureandGo Australia:

  • The broad range of travel insurance policy options
  • Different levels of cover to choose from
  • Policy upgrades and excess options available to tailor your policy – our standard excess amount is $100, but you can choose to remove or double this amount through the purchase process
  • Quick and easy to buy your policy online
  • Friendly and efficient customer service
  • Cover for dependent children travelling with you on single or family policies at no extra cost**
  • 90 sports and adventure activities automatically covered for FREE
  • Fast, hassle-free claims process
  • 24-hour emergency medical assistance line

Most Common Questions

What is the excess on my travel insurance policy?

Excess is the amount of money you agree to pay should the unfortunate happen, and you need to make a claim to your insurer. It applies per person, per event. For example, if your excess is $100 and you make a successful claim for a doctor’s bill, $100 will be deducted from the total amount paid.

The default excess is $200; you may choose from $0, $100 or $200 during the quotation process, depending on your preferences.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS) here.

I am overseas right now. Can I buy a travel insurance policy?

Yes. If you've already started your trip, you can still purchase a policy. However, a 72-hour waiting period applies from the time of purchase.

During this waiting period, cover is limited to:

  • Section B – Medical Expenses
  • Section C1 – Additional Emergency Expenses

and only for new injuries that happen after your policy start date. All other benefits begin once the 72-hour waiting period has ended.

If you already have an InsureandGo Australia policy, you may be eligible to extend your existing cover instead. Contact InsureandGo Australia to discuss your options.

Does your insurance cover damage to rental cars and rental motorbikes?

InsureandGo Australia's Rental Car Excess Waiver may cover the rental vehicle excess you're required to pay if your rental car is damaged or stolen during your trip, up to the limits outlined in your policy. This benefit is included with Silver and Gold policies and is not available with Bare Essentials.

Please note that this cover applies to the rental car excess only and does not replace the rental company's insurance or provide third-party liability cover. Rental cars are defined in our policy as:

  • Campervan or motorhomes under 6 tonnes; or
  • Coupe, 4WD, hatchback, minibus, people mover, sedan, station wagon or SUV; or
  • Motorcycles or mopeds,
  • with less than 9 seats, owned by a licensed rental company or agency, which you have agreed to hire from them according to the terms of your rental agreement.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS) here.

Do you cover non-australian residents?

Our policy can cover non-australian residents who have a valid Medicare, private health insurance or overseas student travel insurance in Australia which must be valid for the entire duration of your holiday. The Australian Government has certain agreements with countries around the world, called the Reciprocal Health Care Agreements (RHCA). If your country of residence is a part of this agreement then you can receive Medicare benefits.

Can I extend my travel insurance while I'm overseas?

Yes. You can extend your travel insurance policy while you're away by contacting InsureandGo Australia before your policy expires. Extensions are available once only, up to the maximum trip length allowed under your policy, and an additional premium will apply.

Here is a list of the maximum trip lengths:

Single-trip, Cruise & Domestic

  • 365 days if you are aged 64 or under;
  • 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan);
  • 35 days if you are aged 80 or over, and select a Worldwide Including travel plan.

If your trip is unexpectedly delayed due to circumstances outside your control, your cover may be automatically extended until you can return home by the quickest and most direct route (up to 12 months, subject to policy terms).

For assistance, call +61 2 7201 9532 or email info@insureandgo.com.au.

Can I get cover for pre-existing medical conditions?

Pre-existing medical conditions aren’t automatically covered, but cover for these may be provided through a medical assessment. You can complete this assessment online during the quotation process or speak with our team over the phone.

A pre-existing medical condition refers to any diagnosed medical condition for which you or any insured person has suffered from or has received any form of medical advice, treatment or medication in the past 2 years.

To determine if your condition can be covered, simply complete the medical assessment. If you prefer to do this over the phone, our team is happy to assist.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Product Disclosure Statement (PDS) here.

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§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

**Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.