Finding expat travel insurance as an Australian can be tricky, whether you’re abroad in the US, Europe or volunteering in Africa.
No matter where you are, you need good expatriate health insurance to protect yourself in case of accident or illness.
Unlike most travel plans, expat travel insurance policies are designed for longer stays abroad. Unfortunately, if you’re looking for expatriate medical insurance, there aren’t as many companies that cater to Australian residents living overseas. However, we have found a few companies that will cover Aussies.
Some of the biggest companies we’ve reviewed that provide offer insurance for overseas Australian residents are World Nomads, Travel Insurance Direct and World Escapade Insurance. World Nomads and Travel Insurance Direct even let you buy your insurance after you’ve already left Australia.
Since there are huge differences in price and coverage for expats, it’s hard to give sample prices, but you can start by checking out these sites to see what they offer.
Do I really need expat insurance? Am I covered by the Reciprocal Health Care Agreement?
The Reciprocal Health Care Agreement covers the cost of some essential medical treatments, in some countries, for Australian expats. To get Reciprocal Health Care cover, you need to provide a valid medicare card, or an Australian passport or similar ID.
You’re covered in several countries, including New Zealand, the UK, Sweden, Italy, the Netherlands, Belgium, Malta and Norway.
However, the Reciprocal Health Care Agreement does not cover all medical expenses overseas, and also does not cover you for trip cancellation, stolen money or credit cards, loss or theft of luggage, or car rental excess costs. A comprehensive policy will usually cover you for these additional expenses, plus provide extra coverage for some medical expenses (but always check your individual policy to make sure).
World Nomads Expat Insurance
Well known to the backpacker crowd and Lonely Planet travelling librarians, this Aussie company specializes in living out of a suitcase. The benefit for you is that they also provide expat insurance to Australian residents.
You can get a quote from World Nomads on the World Nomads site, or just use the form below to get a quote directly from them.
Travel Insurance Direct
Travel Insurance Direct is based in Australia, and offer a wide range of cover for Australians. They offer single and annual multi-trip policies, and and cover laptops, tablets and cameras (up to $4,000), and cover pre-existing conditions like pregnancy, asthma, diabetes (and 40 others, but note that some conditions may apply).
You can buy insurance for a 12 month period, and you can extend as many times as you like up to a maximum of 12 months. You need to extend before the policy expires.
You can buy Travel Insurance Direct insurance if you’re already overseas.
You can get a quote online on the Travel Insurance Direct website.
World Escapade Expat Insurance
World Escapade (a part of April International) is based out of Canada, but has offices around the world. They offer coverage for everyone from Australian backpackers to seniors.
World Escapade offers both a basic emergency medical insurance plan, and a comprehensive plan for expats.
You can get a quote online on the World Escapade website.
Fast Cover Travel Insurance
Fast Cover Travel Insurance offers travel insurance for Australian expats. You can get a single trip policy for up to 12 months, and you can extend for another 12 months if you want. You can also add on snow cover. Fast cover even offers multi trip cover, which is perfect for backpackers who return home occasionally, and which we haven’t seen often. They also automatically cover 44 pre-existing medical conditions. For all quotes, some sports and activities were automatically covered, like camel riding and dog sledding, however, more adventurous activities like hang gliding and cave tubing were not.
You can get a quote on the Fast Cover Travel Insurance website or through the widget below.
We’re working on getting more information on these, but here’s a short list of other companies that offer international health insurance for australian expats.
- Aon Expat Insurance
- Travel Insuranz
- Go Insurance
Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully and visit the company website for up to date information.