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 that there is a 72-hour waiting period on this policy from departure date
Winner "Outstanding Value International Travel Insurance" Award 
Already Overseas Policy Features & Benefits
Our Already Overseas policies provide the same benefits as our comprehensive policy, meaning you get the same cover as our highest 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.
There are a couple of things that you need to know before purchasing this policy. There is a waiting period of 72 hours from your departure date 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.
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Relax knowing we’ll look after you. Unlimited emergency medical cover.
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Don’t worry if an unexpected disaster affects your holiday. Unlimited cancellation & lost deposits cover.
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Don’t worry if you’ve forgotten to pack travel insurance. You can purchase travel insurance while you’re overseas.
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We give you the best cover possible. Equivalent cover to 1Cover’s most comprehensive policy.
Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.
More About Already Overseas Insurance
FAQs About Already Overseas Travel Insurance
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When Will My Cover Start Once I Purchase This Policy?
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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].
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Can I Get Cover For My Pre-Existing Condition On The Already Overseas Policy?
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You cannot apply for or purchase cover for pre-existing conditions under the Already Overseas policy.
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Is There An Age Limit To Obtain Already Overseas Policy?
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This policy is only available to travellers aged 74 years and under.
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How Long Does This Policy Cover Me For?
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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.
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What Happens If I Come Home Early?
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Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
A complete list of FAQS.
Table of Benefits - Already Overseas Travel Insurance
Explore our table of benefits below to see all the cover provided by our already overseas travel insurance policy.
| Key Benefits | Sum Insured | Excess |
|---|---|---|
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Overseas Emergency Medical Assistance Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees. |
Unlimited | |
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Overseas Emergency Medical & Hospital Expenses* Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing. Includes Dental Expenses (Per Person)* Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. |
Unlimited
$500 |
$200
$200 |
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Luggage & Personal Effects* Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer. |
$15,000 | $200 |
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Cancellation Fees & Lost Deposits*
Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by |
Unlimited | $200 |
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Rental Vehicle Excess* Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so. |
$5,000 | $200 |
Medical Benefits
| Medical Benefits | Sum Insured | Excess |
|---|---|---|
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Additional Accommodation & Travel Expenses Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas). Includes Family Emergency Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation. Includes Emergency Companion Cover Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness. |
$50,000 | |
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Resumption of Journey Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours. |
$3,000 | |
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Hospital Cash Allowance An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas. |
$5,000 | |
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Accidental Death A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury. |
$25,000 | |
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Permanent Disability A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey. |
$25,000 | |
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Loss of Income A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to New Zealand. |
$10,400 |
Luggage Benefits
| Luggage Benefits | Sum Insured | Excess |
|---|---|---|
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Credit Card Fraud & Replacement* Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use. Includes Travel Documents & Traveller's Cheques Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey. |
$5,000 | $200 |
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Theft of Cash Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders. |
$250 | |
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Luggage & Personal Effects Delay Expenses Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. |
$250 |
Cancellation Benefits
| Cancellation Benefits | Sum Insured | Excess |
|---|---|---|
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Disruption of Journey Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. |
$1,000 | |
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Alternative Transport Expenses Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. |
$5,000 |
Ancillary Benefits
| Ancillary Benefits | Sum Insured | Excess |
|---|---|---|
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Personal Liability* Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. |
$5 million | $200 |
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Domestic Pets Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. |
$500 | |
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Domestic Services Cover for house keeping services following injury/disablement continuing upon your return home. |
$500 |
Further Reading
Already Overseas Advice
Are you planning on extending your trip? Explore our already overseas travel advice.
Travelling As A Backpacker
Are you planning on travelling as a backpacker? Explore our backpacker traveller advice.
Cheap Travel Insurance Tips
Cheapest isn't always best when it comes to travel insurance. With 1Cover Travel Insurance we offer outstanding value insurance, which means more cover for less.
What Activities Are Covered?
We understand that there's a million different things you might want to try when you're on holiday, that's why we cover over 100 different adventure activities.
Why Choose 1Cover Travel Insurance?
Pre-Existing Medical Cover
We automatically cover 34 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.
One Million Customers
We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.
Local Call Centre
Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.
Rental Car Excess
Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.
Coverage For The Family
Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies.
24 Hour Emergency Help
You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.
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