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Already Overseas Travel Insurance

12 July, 2019 By Natalie Smith

Are you already overseas on holiday and forgot to buy travel insurance? Don’t worry, you may be able to still get cover. Hurrah!

We know there are many circumstances that may have led you to be out of the country without cover and fortunately, so do insurers.  For example:

  • You simply forgot to purchase travel insurance before departing
  • You're on a business trip and just need cover for the personal leisure portion
  • You have credit card travel insurance but need cover for additional adventure activities
  • You had a travel insurance policy that expired because you forgot to extend it

Eligibility requirements and conditions for already overseas travel insurance varies from one insurer to the next. Depending on the insurer you choose, there may be a waiting period before your cover takes effect, and like standard travel insurance, age limits may apply.

Of course you can’t get cover for mishaps or injuries that have already happened to you prior to purchasing your policy, but an already overseas travel insurance policy can make sure you're covered for the remaining portion of your adventure.  Policies will usually offer very similar comprehensive cover as regular travel insurance. So what are you waiting for? Get protected!

Where can I buy already overseas cover?

If you've found yourself abroad without cover, you're not the first and won't be the last.  Thankfully, the following insurers offer protection to Australians who have already left their home country.


General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.




Overseas medical cover

This is one of the most important features of cover. Overseas medical cover includes 24 hours a day emergency medical assistance and may cover the costs for: ambulance cover, medical evacuations, funeral arrangements, messages to family, medical and hospital bills, surgical, nursing and emergency dental treatment.

cancellation cover

Cancellation cover

No matter how organised you are, when travelling overseas there are many events beyond your control. This covers you for costs if you suddenly find you can't go on your trip or need to cut short your trip short for some unforeseen circumstance such as illness, an accident or a death of a close relative. 


Lost or damaged Luggage

These days, most of us travel with suitcases jam-packed with our belongings. Luggage and personal effects benefits cover you for reimbursement or replacement of your luggage and personal effects which are lost or stolen.

No hidden fees

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

family emergency

Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions for family emergency cover can apply for relatives age, medical conditions and where they live. 

personal liability

Personal liability

A lawsuit would certainly put a dampener on your dream holiday. Accidents happen! If you're found responsible for another person's injury while travelling you will want to be protected, personal liability bills can run into the millions.

Conditions Of An Already Overseas Policy

  • Who can buy? - You must be an Australian citizen or resident in order to buy a policy. You can also normally buy it if you are on a 457 working visa, a spousal visa or skilled working visa. However cover is not available to those in Australia on working holiday visas.
  • Homeward bound – You must have a booked return trip and be travelling back to Australia in order to buy this type of cover.
  • Waiting periods - You may not be able to claim for any medical incidents in the first few days of your cover - this is known as a waiting period.  A waiting period exists to protect insurers from those who've not bought insurance and then decide they need it later. Usually due to accident or illness and not wanting to pay the expensive overseas medical fees that they incur.
  • Age limits – Just like a standard policy, already overseas policies have age restrictions saying who can and cannot buy. Check out the age limits in the table above.
  • Pre-exiting medical conditions - Conditions that exist before you departed for your holiday are unlikely to be covered. Always read your insurer's policy documentation to see what conditions they cover for free. You should always tell your insurer of any pre-existing conditions when you first purchase your policy – however trivial they may seem.
  • Extending cover- If you’ve already bought a policy and then want to extend your trip - it’s much easier to extend your existing policy than it is to get new cover when you’re already abroad. If you’re already overseas and you either forgot to take out cover, or your previous policy has expired, know that there are options out there for you. It's not too late to take out already overseas travel insurance cover!




Can non residents buy already overseas cover?

Most Australian insurers will only insure permanent residents or citizens of Australia when it comes to already overseas cover. If you usually live in Australia, but are not Australian and need cover when you've already departed you could try insurer WorldNomads as they do not mind what country of residence their customers are from.

What if I have an accident - does a waiting period still apply?

Not always. Some insurers do not apply a waiting period if you suffer an unexpected accident on your holiday - in this instance, your cover for medical bills will kick in straight away. Make sure you read the PDS to check.

Does already overseas cover have age limits?

Yes, each policy varies so it's wise you read the Product Disclosure Statement to see what age they cover up until before you purchase. From the insurers we have compared, the age restrictions vary from under 59 years to under 90 years.

Does already overseas travel insurance cover repatriation if I need to be brought back to Australia?

In most cases, already overseas cover is the same, or very similar as travel insurance you purchase from within Australia for trips going internationally. In most cases medical emergencies, medical expenses and your medical evacuation is covered to ensure your safe passage back to your home in Australia.

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Contributor Natalie Smith

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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