Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
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. Please note: there is no cover provided for the first 72 hours from the start date of your certificate of insurance.
Before you buy, please read our travel alerts.
An Already Overseas 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:
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 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 | $1,000 | |
| Hospital Cash Allowance | SO | $5,000 |
| Repatriation Of Remains | $25,000 | |
| Permanent Disability | $25,000 | |
| Loss of Income | SO | $10,400 |
Luggage & Personal Items | ||
| Travel Documents & Transaction Cards | $5,000 | |
| Theft of Cash | P | $250 |
| Luggage & Personal Effects | ASO | $15,000 |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 |
Cancellation & Delay | ||
| Pre-Departure Cancellation Fees & Lost Deposits | PSO | - |
On-trip Disruption | ||
| On-trip Cancellation Fees & Lost Deposits | PSO | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | ASO | $50,000 |
| Travel Delay Expenses | SO | $2,000 |
| Special Event Transport Expenses | $2,000 | |
Other | ||
| Personal Liability | P | $5 million |
| Domestic Pets | SO | $500 |
| Domestic Services | SO | $500 |
This table is 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. All benefits are per traveller, unless specified. 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 have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
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.
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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