Travel Insurance - Important Information

Keeping You Safe Is Our Top Priority

As of 20 March 2020, 1Cover is temporarily ceasing to issue new international and domestic Travel Insurance policies. This is based on the Ministry of Foreign Affairs and Trade (MFAT) travel advice being upgraded to Do Not Travel (Level 4) for all overseas destinations; and government restrictions on non-essential domestic travel.
 

 

Travel Alerts: 

Coronavirus

"Amazing Overseas Support"
— Dawn Oct 07, 2019

What is Already Overseas Travel insurance?

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 PDS for details. 

What are the benefits of Already Overseas Travel insurance?

Simple. You get many of the same benefits as if you had purchased a policy before you went overseas. If you purchase your policy after you've left the country, you’ll just need to wait 72 hours from the start date on your Certificate of Insurance before you coverage starts.

To see a list of things your policy will cover, visit our coverage page.

Please note that the Already Overseas policy has a few exclusions, so check the PDS before you purchase.


This page was last updated on: 25 Feb 2020

Already Overseas policy: what you need to know

  • 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. 
  • There is a non-removable excess on this policy of $250. 
  • You can only purchase an Already Overseas policy once every 12 months. 
  • We're not able to offer cover for pre-existing medical condition(s) for the Already Overseas policy.


You can purchase this policy if: 
 

  • You're under the age limit. See the PDS for details
  • You have a permanent residential address in New Zealand and you intend to be going back home at the end of your trip. 
  • You buy your policy within 30 days of leaving New Zealand, or within 30 days of a previous travel insurance policy expiring.
  • You will be returning home within 90 days or less from the date the policy issued. 
     

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

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*

$2,000

Alternative Transport Expenses^

$5,000

ANCILLARY
 

Personal Liability#

$5 million

Domestic Pets^*

$500

Domestic Services^*

$500

Rental Vehicle Insurance Excess#*

$5000

This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in New Zealand.
# Limits are per policy regardless of persons the claim relates to.

 

Get a quote

 

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)^

$1,000

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*

$2,000

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

 

Tailor your Policy

Cruise Pack

Cruise Pack 

Are you already on board your cruise? It's not too late to add a 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 holiday you'll need to add the Winter Sports Pack to your policy if you want to be covered for winter sports. 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

Additional rental Vehicle Excess

Rental vehicle excess cover is provided under an Already Overseas policy for up to $5,000. But you can choose to increase your rental vehicle excess cover amount up to $8,000. 

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: Already Overseas Travel Insurance

  • What if i just need to extend my cover?
  • If you have an existing policy with 1Cover and you simply need to extend it, you can do this via the Policy Manager. If you bought your policy before you left home and extend it before it expires, the Already Overseas terms won’t apply to you.

  • 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 $250.

  • Is There An Age Limit To Obtain Already Overseas Policy? 
  • This policy is only available to travellers aged 64 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 90 days 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

 

Want to know More about...

We Cover 100+ Activities

Going SnowboardingSailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.

Pre-Existing medical Conditions

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.

What Travel Insurance Covers

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. 

 

Still Need Some Help? 

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