Travel Insurance for Visa Holders
If you hold a temporary visa in Australia and plan to travel overseas, you need travel insurance that is separate from your OVHC or OSHC. Not all providers cover temporary residents — this directory lists those that do.
Key Considerations for Visa Holders
Check Your Visa Conditions
Some visas have travel restrictions or require a travel facility. Subclass 482 and 485 holders generally have unlimited travel rights, but bridging visa holders may not. Always check VEVO before booking flights.
OVHC vs Travel Insurance
OVHC covers you while in Australia. Travel insurance covers you while overseas. They are different products — you may need both. Your OVHC does not cover medical expenses incurred outside Australia.
Temporary Resident Eligibility
Not all travel insurers cover temporary residents. Some require you to hold a permanent visa or be an Australian citizen. Always check the Product Disclosure Statement (PDS) before purchasing.
Credit Card Travel Insurance
Some credit cards include complimentary travel insurance, but coverage for temporary residents varies significantly. Check your card's PDS — many exclude non-permanent residents entirely.
Travel Insurance Providers & Comparison Sites
Providers that cover temporary residents, plus comparison tools to help you find the right policy.
Fast Cover
Australian-owned insurer that explicitly covers temporary residents on 482, 485, 407, 457, and working holiday visas. One of the few providers that clearly states eligibility for visa holders.
Cover-More
One of Australia's largest travel insurers. Offers three plan tiers including Comprehensive+ with higher medical limits. Covers permanent residents and some temporary residents — check eligibility before purchasing.
1Cover
Award-winning travel insurance trusted by millions of travellers. Offers unlimited overseas medical expenses on comprehensive plans and 24/7 emergency assistance.
Allianz Travel Insurance
Global insurer with a strong Australian presence. Offers domestic and international travel insurance. Check PDS for temporary resident eligibility as conditions may apply.
Compare Travel Insurance
Comparison site that specifically lists providers covering non-permanent residents. Useful starting point to identify which insurers will accept your visa type.
Compare the Market
Major Australian comparison platform with a dedicated non-resident travel insurance section. Explains eligibility requirements and helps filter by visa status.
Visa Travel Rights — Quick Reference
Check your visa type below. Not all visas allow you to leave and re-enter Australia.
| VISA | SUBCLASS | TRAVEL RIGHTS | INSURANCE NOTE |
|---|---|---|---|
| Temporary Skill Shortage | 482 | Unlimited travel during visa validity | Most providers cover 482 holders |
| Temporary Graduate | 485 | Unlimited travel during visa validity | Check PDS — some providers exclude 485 |
| Working Holiday | 417 / 462 | Unlimited travel during visa validity | Fast Cover and others explicitly cover WHM |
| Student | 500 | Travel allowed, but check CoE implications | Limited providers — check PDS carefully |
| Partner (Temporary) | 820 | Unlimited travel during visa validity | Most providers cover 820 holders |
| Bridging Visa A | 010 | No travel facility — visa ceases if you leave | Seek immigration advice before travelling |
| Bridging Visa B | 020 | Travel facility granted — must return before expiry | Cover available from some providers |
| Training | 407 | Unlimited travel during visa validity | Fast Cover explicitly covers 407 holders |
This table is for general reference only. Visa conditions can change and individual circumstances vary. Always check your specific visa conditions on VEVO before making travel plans.
Check your visa conditions before you fly
Leaving Australia on a temporary visa can affect your visa status, application processing times, and re-entry rights. If you are unsure about your travel rights, speak with an immigration lawyer before booking.
Frequently Asked Questions
Related Insurance Guides
OSHC — Student Health Cover
Required health insurance for student visa (subclass 500) holders studying in Australia.
OVHC — Visitor Health Cover
Health insurance for temporary visa holders living and working in Australia.
Visa Condition 8501
Understanding the mandatory health insurance condition attached to most temporary visas.
Insurance Comparison Directory
Compare OSHC and OVHC plans across all approved providers.
Disclaimer: This page is provided for general information only. MyVisa does not sell, arrange, or advise on travel insurance products. We do not receive commissions or referral fees from any provider listed on this page. The information provided may not reflect the most current product offerings or pricing. Always read the Product Disclosure Statement (PDS) and confirm your eligibility directly with the insurer before purchasing. For immigration advice regarding your visa conditions and travel rights, book a consultation with our office.