Are you already overseas on holiday and forgot to buy travel insurance? Don’t worry there are still a few companies out there that are happy to offer you cover. Hurrah!
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 offers the same comprehensive cover as regular travel insurance. So what are you waiting for? Get protected!
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. It's also important to remember that you cannot purchase cover for a pre-existing medical condition. Keep reading for more details...
Although there are many insurance companies who don’t offer this type of cover, there are several reputable travel insurers who do offer protection to Australians who are already abroad.
|Insurer||Underwriter||Age restrictions||Waiting Period||Buy Now|
|1Cover||Certain underwriters at LLoyd's||74 and under||72 hours|
|Downunder||Certain underwriters at LLoyd's||59 and under||96 hours|
|Go Insurance||Certain underwriters at LLoyd's||75 and under||48 hours|
|Insure4Less||Certain underwriters at LLoyd's||90 and under||48 hours|
|Travel Insurance Direct||Certain underwriters at LLoyd's||80 and under||72 hours|
|Travel Insuranz||Berkshire Hathaway Speciality Insurance||70 and under||48 hours|
|World Nomads||Certain underwriters at LLoyd's||69 and under||72 hours|
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.
Lucky for you, already overseas policies provide the same great cover as policies that were purchased before you left for your trip. What cover can you expect?
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 fees and lost deposits
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. Cancellation cover will refund you for prepaid travel and accommodation and non-refundable expenses.
Luggage and personal effects cover
These days, most of us travel with suitcases jam packed with our belongings. Luggage and personal effects will cover you for reimbursement or replacement of your luggage and personal effects which are lost or stolen.
Personal liability cover
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.
Rental vehicle excess
If you're planning on hiring a car during your trip, your travel insurance will usually cover any rental car excess. So DON'T take out that expensive excess reduction insurance with the rental car company!
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!
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.