Already Overseas Travel Insurance

If you’re a resident of Australia, you can purchase travel insurance, even if you’re overseas. Please note: there is no cover provided for the first 72 hours from the start date of your certificate of insurance. 

 

Travel Alerts:

Hong Kong Airport Protests

Already Overseas
Travel Insurance Benefits

Our Already Overseas policies provide the same benefits as an Overseas Comprehensive Policy. 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.

Please note: there is no cover provided under any section of the policy for the first 72 hours from the departure date issued on your certificate of insurance. There is also a non-removable excess of $250.

All benefits listed below are subject to terms and conditions within the PDS

Unlimited Medical

Unlimited
Medical

Travel with total peace of mind. If anything goes wrong you've got unlimited emergency assistance and medical cover

Unlimited Cancellation

Unlimited Cancellation

If the unexpected happens and plans change, you've got unlimited cover for cancellation and lost deposits.  

Top Level Cover

Top Level
Benefits

You'll enjoy all the same benefits as our comprehensive policies, our highest level of travel insurance cover.

Rental Car Excess

Rental Vehicle
Excess

Planning to rent a car to get around on your overseas trip? We'll cover rental vehicle excess up to $5,000.

Kids Go Free

Kids Cost No Extra

  • Travelling with your kids or grandkids? Dependants are covered for no extra cost, and we’ll only charge you for each adult on the policy. See PDS for details. 
Camera, Luggage & Valuables

Luggage & Personal Items

Travelling with valuables or your fave bag? You've got cover for up to $15,000 worth of luggage and personal effects.

Travel On One Policy

Travel All On The one policy

You can travel on the same policy as your partner, your mates, a family member. In fact, up to 25 people can go on the one policy. 

Three Policies To Choose From

Customise Your Policy

  • Tailor your policy to suit your holiday and needs with our
    range of optional add-ons available. 

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

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.

Get a quote

 

Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise? Stay safe and ensure you're properly covered on your cruise holiday by adding our 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 to ensure you're covered. 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 Abroad Comprehensive policy up to $5,000. But you can choose to increase your rental vehicle excess cover amount up to $8,000 and extend your protection.

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5 by over 1393 reviews on
  • "The First Thing You Should Pack When Travelling"

    I'm so glad we'd thought to get 1Cover travel insurance before we left home. Our claim was dealt with quickly and efficiently. Could not recommend it more highly.

    By Charmaine, May 2019

  • "Empathetic and efficient"

    Couldn’t ask for a more straightforward process when claiming from 1Cover. They were great.

     

    By Grace, May 2019

  • "Best Travel Insurance Yet"

    Great price and a thorough policy that allowed us to travel with piece of mind. We travel alot and will use 1 Cover again without hesitation.

     

    By TanMar, May 2019

  • "Never go with anyone else"

    Been using 1Cover for years and wouldn't use anyone else. Very easy to set up - and good value for money. Highly recommend to all my friends/family - who have also used.
     

    By Mark, Apr 2018

Read More Reviews

 

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.  

  • 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

 

Going Bungee Jumping, Sailing, or motorbiking?
We cover 100+ Activities and sports. 

 

Where are you Travelling?


Find out everything you need to know about travel insurance for the following destinations:
 

 

Want to know More about...

Activity Hub

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 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
Annual Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
1300 192 021 
(within Australia)
From Overseas
Monday-Friday
7:00 am - 8:00 pm
Saturday
9:00 am - 4:00 pm
Sunday
10:00 am - 4:00 pm