Need travel insurance but you've already left Australia? Don’t stress. If you’re an Australian resident, you can purchase an Already Overseas policy - travel insurance for those already abroad. Please note: there is no cover provided for the first 72 hours from the start date of your Certificate of Insurance.
An Already Overseas travel insurance policy offers the same benefits as an Overseas Comprehensive Policy. The only difference is that you must be overseas when you purchase because the policy is designed for travellers who've forgotten to buy insurance before they left, or forgot to extend an existing policy and now need to purchase more travel insurance. You must also be aged under 69 years to be eligible.
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.
You can purchase this policy if:
This type of travel insurance for those already abroad gives short-term coverage, whether you've extended your trip or simply forgot to buy insurance before departure.
Explore our table of benefits below to see the policy benefits provided by our Already Overseas Travel Insurance. To find out more about our Already Overseas policies see the PDS.
| Policy Benefit | Already Overseas | |
|---|---|---|
Emergency | ||
| 24/7 Emergency Assistance Service | included | |
Medical | ||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited |
| Dental Expenses | O | $2,000 |
| Hospital Cash Allowance | SO | $5,000 |
| Repatriation Of Remains | O | $25,000 |
| Permanent Disability | O | $25,000 |
| Loss of Income | SO | $10,400 |
Luggage & Personal Items | ||
| Travel Documents & Transaction Cards | O | $5,000 |
| Theft of Cash | PO | $250 |
| Luggage & Personal Effects | AS | $15,000 |
| Luggage & Personal Effects Delay Expenses | ASO | $15,000 |
Cancellation & Delay | ||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | - |
On-trip Disruption | ||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 |
| Travel Delay Expenses | S | $2,000 |
| Special Event Transport Expenses | O | $2,000 |
Other | ||
| Personal Liability | P | $5 million |
| Domestic Pets | S | $500 |
| Domestic Services | SO | $500 |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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If you’re on a long-term trip and you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details.
If you’re on an exciting, adventure trip, you need to add the Sports & Adventure Pack to your policy to ensure you’re covered. See PDS for full details.
Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.
1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise. See PDS for full details.
1Cover’s Already Overseas Travel Insurance includes emergency medical cover, 24/7 assistance, hospital expenses, lost or delayed luggage, travel disruptions and personal liability. You’ll also get access to benefits like repatriation of remains, dental cover and daily hospital cash allowance.
If you're overseas and realise you don’t have travel insurance, you can still buy 1Cover’s Already Overseas Travel Insurance online. It’s available to Australian residents within five days of leaving home or a previous policy ending.
You can get travel insurance already abroad up to five days after departure or policy expiry. Just remember: a 72-hour waiting period applies from your cover start date.
Yes. With already overseas travel insurance, no cover applies during the first 72 hours after your policy starts. This includes medical, cancellation and other benefits.
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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.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.
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.
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. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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