Already Overseas Travel Insurance

If you're already overseas and have forgotten your travel insurance, it's not too late. We provide travel insurance to residents of New Zealand who are already overseas. Please note: there is no cover provided under any section of this policy for the first 72 hours after commencing your journey.

Travel Alerts: 

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"Excellent Service"
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Already Overseas
Travel Insurance Benefits

Our Already Overseas policies provide the same benefits as our comprehensive policy, meaning you get the same cover as our top level of cover. You must be overseas when you purchase this policy, as it is designed for those travellers who have forgotten their insurance or decided to extend their trip.

Please note: there is a waiting period of 72 hours, from the departure date of your insurance, which applies to all claims arising from, related to or associated with any injury or sickness. There is also a non-removable excess of $200.

 

Unlimited Medical

Unlimited
Medical

Travel with total peace of mind. If anything goes wrong you've got unlimited emergency assistance and medical cover. 

Unlimited Cancellation

Unlimited Cancellation

If the unexpected happens and plans change, you've got unlimited cover for cancellation and lost deposits.  

Top Level Cover

Top Level
Benefits

You'll enjoy all the same benefits as our comprehensive policies, our highest level of travel insurance cover.

Rental Car Excess

Rental Vehicle
Excess

Planning to rent a car to get around on your overseas trip? We'll cover rental vehicle excess up to $5,000.

Kids Go Free

Kids Cost No Extra

  • Travelling with your kids and grandkids? They’re covered for no extra cost. We only charge you for each adult on your policy.
Camera, Luggage & Valuables

Luggage & Personal Items


Travelling with valuables or your fave bag? You've got cover for up to $15,000 worth of luggage and personal effects.

Travel On One Policy

Travel All On The one policy

You can travel on the same policy as your partner, your mates, a family member. In fact, up to 25 people can go on the one policy. 

Three Policies To Choose From

Customise Your Policy

  • Tailor your policy to suit your holiday and needs with our
    range of optional add-ons available. 

It's The One Thing You Need When One Thing Goes Wrong

Table of Benefits - Already Overseas Travel Insurance

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 PDS or get an instant quote now

Already Overseas Travel Insurance Policy Benefit Already Overseas
MEDICAL
 

Overseas Emergency Medical Assistance

Unlimited

Overseas Emergency Medical & Hospital Expenses

Unlimited

Includes Dental Expenses (per adult)

$500

Resumption Of Journey

$3,000

Hospital Cash Allowance

$5,000

Accidental Death

$25,000

Permanent Disability

$25,000

Loss of Income

$10,400

LUGGAGE
 

Credit Card Fraud & Replacement

$5,000

Includes Travel Documents & Traveller's Cheques

Yes

Theft Of Cash

$250

Luggage & Personal Effects

$15,000

Luggage & Personal Effects Delay Expenses

$250

CANCELLATION
 

Additional Accommodation & Travel Expenses

$50,000

Includes Family Emergency

Yes

Includes Emergency Companion Cover

Yes

Cancellation Fees & Lost Deposits

Unlimited

Disruption Of Journey

$1,000

Alternative Transport Expenses

$5,000

ANCILLARY
 

Personal Liability

$5 million

Domestic Pets

$500

Domestic Services

$500

Rental Vehicle Insurance Excess

$5,000

 

Get a quote

 

Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise? Stay safe and ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. See PDS for full details.

Winter Sports Pack

Winter Sports Pack

If you're hitting the slopes during your overseas trip you'll need to add the Winter Sports Pack to your policy to ensure you're covered. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.

Choose Your Excess

Choose Your Excess

Choose the excess that best suits you. Optiong for a lower excess means you'll pay less if you need to claim.

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  •  
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

  • By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

 

FAQs About Already Overseas Travel Insurance

  • When Will My Cover Start Once I Purchase This Policy? 
  • There is no cover under any section of the policy for the first 72 hours from departure date [i.e.: the first travel date shown on your Certificate of Insurance].  

  • Can I Get Cover For My Pre-Existing Condition On The Already Overseas Policy? 
  • You cannot apply for or purchase cover for pre-existing conditions under the Already Overseas policy.  

  • Can I Pay To Remove The Excess? 
  • No. Our Already Overseas policy has a non-removable excess of $200.

  • Is There An Age Limit To Obtain Already Overseas Policy? 
  • This policy is only available to travellers aged 74 years and under. 

  • How Long Does This Policy Cover Me For? 
  • Under the Already Overseas policy you need to make sure that your journey is no longer than a maximum of twelve months and that your journey ends within New Zealand.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

 

READ ALL FAQS

 

 

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Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Trusted By 1.5 Million People

We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you. 

24/7 Emergency Assistance

You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.

 Kids Are Covered For No Extra Cost 

Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy. 

Local Call
Centre

Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.

Rental Vehicle
Excess

Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000. 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims


0800 367 729

Monday-Friday
8:00 am - 10:00 pm
Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm