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 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 |
Going on a cruise with your family? Even when you’re cruising in New Zealand waters, you won’t be covered for medical costs on board. 1Cover’s cruise pack covers from ship to shore. See Policy Wording for full details.
If you’re hitting the slopes with the family, the Winter Sports Pack covers winter sports activities such as skiing and snowboarding. See Policy Wording for full details.
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.
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
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.
First time I've had to make a claim. Speed of process was quite unbelievable.
You cannot apply for or purchase 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 64 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.
Going Snowboarding, Sailing, 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.
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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