Travel insurance for Non-permanent 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 the world’s largest 24/7 assistance network with over 31,500 points of assistance across all continents.

InsureandGo is the world’s largest online travel insurer, covering 1.6 million people annually.

Eligibility Requirements for Non-Permanent Resident Travel Insurance

  • Non-permanent 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?

  • Unlimited overseas medical expenses
  • Unlimited cancellation cover in our Gold Policy
  • 24 hour emergency assistance
  • All medical conditions considered online or over the phone
  • No upfront medical certificates required upon application
  • Policies from just $27*

Why Purchase Non-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-permanent resident, then you can consider InsureandGo travel insurance policy in Australia.

Benefits of InsureandGo Policies

Our non-permanent 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 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 considers 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, failing to declare a pre-existing condition can void your policy.

Other Reasons to Choose InsureandGo :

  • Broad range of travel insurance policy options
  • Different levels of cover to choose from
  • Policy upgrades and excess options available to tailor your policy
  • 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

1. Do you cover pre-existing medical conditions?

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

3. My relatives are coming to Australia, can they get insurance with you?

Unfortunately, we do not offer any insurance for any inbound travellers coming to Australia.

5. Do you cover flight delays after departure?

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

2. Do you cover non-permanent residents?

Our policy can cover non-permanent 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.

4. I am overseas right now – can I buy, change or upgrade a policy?

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 shoot us an email and find out.

6. How do I cancel my policy?

With our policies you will be entitled to a full refund of the premium paid if you cancel this within 14 days of purchasing your policy. Please note that we do not offer any refunds on policies outside the cooling off period.

InsureandGo is rated 4.5 out of 5 stars by 10038  customers.
* Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific& Bali region. Cover for pre-existing medical may require an extra premium.