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Travel Insurance - Important Information

Due to the ongoing Coronavirus Pandemic, 1Cover is temporarily unable to issue Travel Insurance policies to those who are already abroad.



Important Travel Alert:

Before you buy, please read our travel alerts.

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

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^


Hospital Cash Allowance^*


Repatriation Of Remains


Permanent Disability^*


Loss Of Income^*



Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^



Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^



Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*


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.


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Tailor your Policy

Cruise Pack

Cruise Pack 

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.

Winter Sports Pack

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.

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. 

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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.



Want to know More about...

We Cover 100+ Activities

Going SnowboardingSailing, 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.

Pre-Existing medical Conditions

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.

What Travel Insurance Covers

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. 


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 2019 Travel Insurer of the Year. 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 Customer Service

Our customer service specialists are based in Sydney and operate from Monday to Friday.  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. 


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? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.