Did you forget to purchase travel insurance before you left? Don’t stress. If you’re a New Zealand 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 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 Policy Wording 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 Policy Wording or get an instant quote now.
| Policy Benefits | Already Overseas | |
|---|---|---|
Emergency | ||
| 24/7 Emergency Assistance Service | included | |
Medical | ||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited |
| Dental Expenses | O | $1,000 |
| 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 | $1,000 |
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 Policy Wording for full terms, conditions, limits, excess payable and exclusions 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 New Zealand. |
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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 have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
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In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
Yes, you can apply for cover for pre-existing conditions under the Already Overseas policy.
No. Our Already Overseas policy has a non-removable excess of $250.
This policy is only available to travellers aged 69 years and under.
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 New Zealand.
1Cover’s Already Overseas Travel Insurance includes emergency medical cover, 24/7 assistance, hospital expenses, lost or delayed luggage, travel disruptions and personal liability (up to $5 million). 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 New Zealand 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.
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
Visit our Activities Page to see what sorts of activities you're covered for and what you're not.
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.
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.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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