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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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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.
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
You can purchase this policy if:
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.
Are you already on board your cruise? It's not too late to add a Cruise Pack to your policy. See PDS for full details.
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.
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.
You cannot apply for or purchase cover for pre-existing conditions under the Already Overseas policy.
No. Our Already Overseas policy has a non-removable excess of $250.
This policy is only available to travellers aged 64 years and under.
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.
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
Going Snowboarding, Sailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.
A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.
From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not.
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.
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.
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.
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.
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.
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.
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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