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Already Overseas Travel Insurance

Did you forget to purchase travel insurance before you left? Don’t stress. If you’re an Australian resident, you can purchase an Already Overseas policy.  Please note: there is no cover provided for the first 72 hours from the start date of your certificate of insurance. 
 

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What is Already Overseas Travel insurance?

An Already Overseas policy provides the same benefits as an Overseas Comprehensive Policy. The only difference is that you must be overseas when you purchase this policy, because this policy is designed for those travellers who have forgotten their insurance or forgot to extend an existing policy and now need to purchase more travel insurance. 

It's important to note that there is no cover provided under any section of the policy for the first 72 hours from the start date on your certificate of insurance. Other exclusions apply. Please read the PDS for details. 

What are the benefits of Already Overseas Travel insurance?

Simple. You get many of the same benefits as if you had purchased a policy before you went overseas. If you purchase your policy after you've left the country, you’ll just need to wait 72 hours from the start date on your Certificate of Insurance before you coverage starts.

To see a list of things your policy will cover, visit our coverage page.

Please note that the Already Overseas policy has a few exclusions, so check the PDS before you purchase.


This page was last updated on: 18 Feb 2020

Travel Insurer Of The Year 2019

Already Overseas policy: what you need to know

  • There is no cover provided under any section of the policy for the first 72 hours from the start date on your certificate of insurance. 
  • There is a non-removable excess on this policy of $250. 
  • You can only purchase an Already Overseas policy once every 12 months. 
  • We're not able to offer cover for pre-existing medical condition(s) for the Already Overseas policy.


You can purchase this policy if: 
 

  • You're under the age limit. See the PDS for details. 
  • You have a permanent residential address in Australia and you intend to be going back home at the end of your trip. 
  • You buy your policy within 30 days of leaving Australia, or within 30 days of a previous travel insurance policy expiring.
  • You will be returning home within 90 days or less from the date the policy issued. 
     

Travel Insurer Of The Year 2019

Table of Benefits - Already Overseas Travel Insurance


Explore our table of benefits below to see the policy benefits provided by our Already Overseas Travel travel insurance. To find out more about our Already Overseas policies, see the PDS or get an instant quote now. 

Policy Benefit Already Overseas
MEDICAL
 

Overseas Emergency Medical Assistance^

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Includes Dental Expenses (per adult)^

$500

Resumption Of Journey^

$3,000

Hospital Cash Allowance^*

$5,000

Accidental Death*

$25,000

Permanent Disability^*

$25,000

Loss of Income^*

$10,400

LUGGAGE
 

Credit Card Fraud & Replacement^

$5,000

Includes Travel Documents & Traveller's Cheques^

Yes

Theft Of Cash^#

$250

Luggage & Personal Effects*

$15,000

Luggage & Personal Effects Delay Expenses^

$250

CANCELLATION
 

Additional Accommodation & Travel Expenses*

$50,000

Includes Family Emergency*

Yes

Includes Emergency Companion Cover*

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Disruption Of Journey*

$2,000

Alternative Transport Expenses^

$5,000

ANCILLARY
 

Personal Liability#

$5 million

Domestic Pets^*

$500

Domestic Services^*

$500

Rental Vehicle Insurance Excess#*

NIL

** A 5% "Online Discount" is automatically applied when you purchase a policy online through the website at www.1cover.com.au for Comprehensive, Medical, Essentials, and Domestic policies; or

## A "Campaign Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies purchased from 06/01/2020 and is ongoing until withdrawn by 1Cover. The Campaign Discount is available to customers with a valid Campaign Code who purchase online or over the phone. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. This discount cannot be used in conjunction with any other offer. For full competition terms & conditions, visit www.1cover.com.au/annual-policy-promotion-terms.

Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs. For all 1Cover Competition Terms & Conditions, please visit https://www.1cover.com.au/competition-terms/.


This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

Unless otherwise specified in the PDS: Sections 12, 12A, 12B, 13 and 14 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B, 13 and 14, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in Australia.
# Limits are per policy regardless of persons the claim relates to.

 

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Tailor your Policy

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Winter Sports Pack

If you're hitting the slopes during your overseas holiday you'll need to add the Winter Sports Pack to your policy if you want to be covered for winter sports. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.

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Rental Car Cover

Additional rental Vehicle Excess

Rental vehicle excess cover is provided under an Already Overseas policy for up to $5,000. But you can choose to increase your rental vehicle excess cover amount up to $8,000. 

Read More
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FAQs: Already Overseas Travel Insurance

  • What if i just need to extend my cover?

  • If you have an existing policy with 1Cover and you simply need to extend it, you can do this via the Policy Manager. If you bought your policy before you left home and extend it before it expires, the Already Overseas terms won’t apply to you.

  • When Will My Cover Start Once I Purchase This Policy? 

  • There is no cover under any section of the policy for the first 72 hours from departure date [i.e: the first travel date shown on your Certificate of Insurance].  

  • Can I Get Cover For My Pre-Existing Condition On The Already Overseas Policy? 

  • You cannot apply for or purchase cover for pre-existing conditions under the Already Overseas policy.  

  • Can I Pay To Remove The Excess? 

  • No. Our Already Overseas policy has a non-removable excess of $250.

  • Is There An Age Limit To Obtain Already Overseas Policy? 

  • This policy is only available to travellers aged 64 years and under. 

  • How Long Does This Policy Cover Me For? 

  • Under the Already Overseas policy you need to make sure that your journey is no longer than a maximum of 90 days and that your journey ends within Australia.

  • What Happens If I Come Home Early?

  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

READ ALL FAQS

 

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Why Choose 1Cover Travel Insurance?

Trusted & Loved by 1.5 Million customers


Since 2003, we've provided travel insurance to more than 1.5 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

1Cover won ProductReview.com.au 2019 Travel Insurer of the Year. ProductReview.com.au is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services. 

Local Call Centre

Our Call Centre is based in Sydney and is open seven days a week. Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out. 

/emergency-contacts/

24/7 Emergency Assistance

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
Travel Insurance, get in touch with us. Our expert team are here to help you.

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10:00 am - 4:00 pm

 

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1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. This is general advice and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement. This insurance is underwritten by certain underwriters at Lloyd's, 1Cover is located on Level 12, 338 Pitt Street, Sydney, 2000, NSW, Australia.