Travel Insurance Direct

Travel Insurance while on a Visa

In Australia on a Visa? See if you're eligible for travel insurance

What is travel insurance while on a Visa?

If you are in Australia on a visa you may be eligible to purchase a TID travel insurance policy. Unlike many other insurers we don’t limit cover to Australian Citizens only – we think more people should have access to quality travel insurance. This means if you go on a holiday during your time in Australia you can get travel insurance to protect yourself. TID policies are available to a wide variety of people and not just Australian citizens. If you are in Australia on a visa you may very well be eligible to purchase a TID policy.

Why do I need travel insurance while on a Visa?

Smartraveller states “If you can't afford travel insurance, you can't afford to travel”. It really is that simple. If you run into strife overseas the Australian Government won’t bail you out, which is why it is important to have travel insurance to cover you for things such as emergency medical expenses, cancelled or delayed flights, lost or stolen luggage, cancelled accommodation arrangements. Additionally, it might be worthwhile to look into travel insurance from your country of citizenship if you wish to return there instead of Australia if something goes wrong on your trip.

Who is eligible for travel insurance while on a Visa?

  • To be eligible for a travel insurance policy with TID you must meet our definition of ‘Resident’. To be classified as an Australian Resident you must be one of the following:
  • An Australian citizen.
  • A holder of a current and valid Australian permanent resident visa, partner/spouse visa.
  • On an Australian skilled migrant visa (including 457 and Temporary Skill Shortage (TSS) visa) or a student visa, but excluding working holiday visas.
  • A New Zealand passport holder permanently residing in Australia.
    • In addition to this you must have all the below:
    • Have unrestricted right of entry into Australia;
    • Have access to long-term medical care in Australia (not including Reciprocal Health Care Agreements);
    • Have a permanent Australian residential address;.
    • Agree to be repatriated, if required, back to Australia under this insurance.

What does it mean if you are not an Australian Citizen?

Whether you are an Australian citizen or are here on a visa – once you purchase a TID policy you will have cover for all the benefits of the policy as per the PDS. This means, so long as you meet our criteria of ‘Resident’, we won’t differentiate levels of cover based on your residency status

What does travel insurance cover if I am on an Australian Visa?

Here are some of the cover benefits included in your policy

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Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

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Unexpected cancellation?

Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).

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Hiring a rental car?

Cover towards the insurance excess if you rent a car from a licensed hire company and it is damaged, stolen or in an accident whilst in your care.

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Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

Compare all benefits
This is a brief summary only for full terms, conditions, limitations, and exclusions read our policy wording

Travel Insurance Visa  FAQs

If I’m on a visa will my coverage be any different to an Australian citizen. 

No, as long as you meet the criteria for the definition of resident you will still be eligible for all the benefits of the policy as per the PDS!

If I need to be medically repatriated, will it be to Australia or my country of citizenship?

In the event we need to medically repatriate you it will be to Australia, not your country of citizenship.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

Other travel insurance cover offered

Pregnancy cover

Pregnancy cover

Travel safely and securely during those first few months with our travel insurance for claims arising from pregnancy

Find out more
Cruise cover

Cruise cover

Set sail knowing you can be covered across the seas with cruise travel insurance.

Find out more
Medical  cover

Medical  cover


We can offer cover for overseas medical expenses if you fall ill while travelling

Find out more