Non-Resident Travel Insurance

Travel insurance policies for non-Australian residents cover similar benefits to standard international and domestic insurance policies. These benefits help protect you and your back pocket during your time Down Under. Some of the benefits of these policies include the following:

• Medical expenses: if you’re travelling outside of Australia, your travel insurance provides you with unlimited medical expenses cover. Most policies also cover you for emergency dental work, which usually has a sub-limit of between $300 and $1,000.
• Cancellation: you can cancel your trip and recoup the costs if a relative becomes ill or dies, there are complications with your pregnancy or there’s an emergency at your home or work.
• Delays: if your flights and bags are held up, your insurance company can cover the accommodation cost and some essentials while you wait for your plane to turn up.
• Lost or stolen luggage: insurers can cover you if your luggage is stolen, damaged or goes missing during your visit to Australia. Many insurers will allow you to claim up to $15,000 if there is an issue with your bags.
• Personal items: mobile phones, cameras, and computers can all be costly to replace, especially if you lose them while on holiday. Many insurance companies allow you to claim back the cost of replacing or repairing these essential gadgets up to a set limit of around $15,000.
• Stolen money: if a pickpocket strikes on your holiday to the United Arab Emirates, for example, you can claim back $250 through your insurer. Remember to file a report with authorities, as insurers will need evidence of the theft.
• Accidental death: if you meet an untimely demise while on a holiday, your insurance will cover the cost of flying your remains back to Australia and any associated funeral costs (often up to $50,000).
• Pet boarding: from time to time, you can be away from home longer than expected. If you’re stuck at your destination longer than planned, you can claim the costs of boarding your dog or cat back in Australia.
• Rental vehicle excess: a road trip can be the perfect way to soak up the open road. If you need to hire a car, your insurance provider can cover the cost of your excess if you have an accident.
• Permanent disability: if you’re involved in an accident which results in your permanent disability, most travel insurers will pay out your policy up to $25,000.

If you're up for a spot of skiing or scuba diving when you’re on your travels, insurance companies consider these activities as ‘high risk’ for travellers and will require you to take out additional coverage in case of an accident, which will cost you extra on top of your original premium.