Already Overseas Travel Insurance

If you're already overseas and have forgotten your travel insurance, it's not too late. We provide travel insurance to residents of Australia who are already overseas.

Please note that there is a 72-hour waiting period on this policy from departure date.

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Already Overseas Policy Features & Benefits

Our Already Overseas policies provide the same benefits as our comprehensive policy, meaning you get the same cover as our highest level of cover.
You must be overseas when you purchase this policy, as it is designed for those travellers who have forgotten their insurance or decided to extend their trip.

There are a couple of things that you need to know before purchasing this policy. There is a waiting period of 72 hours, from the departure date of your insurance, which applies to all claims arising from, related to or associated with any injury or sickness. There is also a non-removable excess of $200.

 
  • Relax knowing we’ll look after you. Unlimited emergency medical cover.

  • Don’t worry if an unexpected disaster affects your holiday. Unlimited cancellation & lost deposits cover. 

  • Don’t worry if you’ve forgot to pack travel insurance? You can purchase travel insurance while you’re overseas. 

  • We give you the best cover possible. Equivalent cover to 1Cover’s most comprehensive policy. 

 

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.

 

 

FAQs About Already Overseas Travel Insurance

  • 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. 

  • Is There An Age Limit To Obtain Already Overseas Policy? 
  • This policy is only available to travellers aged 74 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 twelve months 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.

 

A complete list of FAQS.

Table of Benefits - Already Overseas Travel Insurance

Explore our table of benefits below to see all the cover provided by our already overseas travel insurance policy. 

Key Benefits Sum Insured Excess

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited  

Overseas Emergency Medical & Hospital Expenses*

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)*

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 

Unlimited

 

$500

$200

 

$200

Luggage & Personal Effects*

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.

$15,000 $200

Cancellation Fees & Lost Deposits*

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

Unlimited $200

Rental Vehicle Excess*

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.

$5,000 $200

Medical Benefits

Medical Benefits Sum Insured Excess

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

$50,000  

Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.

$3,000  

Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.

$5,000  

Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.

$25,000  

Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.

$25,000  

Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.

$10,400  

Luggage Benefits

Luggage Benefits Sum Insured Excess

Credit Card Fraud & Replacement*

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

$5,000 $200

Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.

$250  

Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.

$250  

Cancellation Benefits

Cancellation Benefits Sum Insured Excess

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 

$1,000  

Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 

$5,000  

Ancillary Benefits

Ancillary Benefits Sum Insured Excess

Personal Liability*

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $200

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.

$500  

Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.

$500  

 

Further Reading

Got the travel bug? Travel often for business? Or maybe you've got far-away family you love to visit? Check out our single traveller advice and tips.

Single Traveller Advice

Are you planning on travelling as a backpacker? Explore our backpacker traveller advice.

Backpacker Insurance

Cheapest isn't always best when it comes to travel insurance. With 1Cover Travel Insurance we offer outstanding value insurance, which means more cover for less.

Cheap Travel Insurance

We understand that there's a million different things you might want to try when you're on holiday, that's why we cover over 100 different adventure activities.

Activities

 

 

 

Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.

 

 

One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring Australia or the rest of the world, we have a travel insurance policy to suit your needs.

 

Local Call Centre

Our Call Centre is based in Sydney. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.