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 no cover provided under any section of the policy for the first 72 hours after commencing your journey.


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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. A non-removeable excess of $250 applies. For an additional cost, you can increase your excess to $500.


  • Relax knowing we’ll look after you. Unlimited emergency medical cover.

  • Don’t worry if an unexpected disaster affects your holiday. Unlimited cancellation & lost deposits cover. 

  • Don’t worry if you’ve forgotten to pack travel insurance. You can purchase travel insurance while you’re overseas. 

  • 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.



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. 

  • 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.


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 policies.

Policy Benefit Already Overseas



Overseas Emergency Medical Assistance


Overseas Emergency Medical & Hospital Expenses


Includes Dental Expenses (per adult)


Resumption Of Journey


Hospital Cash Allowance


Accidental Death


Permanent Disability


Loss of Income




Credit Card Fraud & Replacement


Includes Travel Documents & Traveller's Cheques


Theft Of Cash


Luggage & Personal Effects


Luggage & Personal Effects Delay Expenses




Additional Accommodation & Travel Expenses


Includes Family Emergency


Includes Emergency Companion Cover


Cancellation Fees & Lost Deposits


Disruption Of Journey


Alternative Transport Expenses




Personal Liability

$5 million

Domestic Pets


Domestic Services


Rental Vehicle Insurance Excess




Optional Add-Ons

Winter Sports

Winter Sports Pack

Cover for participating in winter sports activities including emergency rescue, piste closure, snow ski equipment hire and more. Conditions apply. See PDS for full details.

Cruise Pack

Cruise Pack

Cover while at sea for medical expenses and emergency assistance, cancellations, missed departure, formal wear cover and more. See PDS for full details.

Cruise Pack

Additional Rental Vehicle Excess

Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.



Further Reading

Already Overseas Advice

Are you planning on extending your trip? Explore our already overseas travel advice.


Already Overseas Advice

Travelling As A Backpacker

Are you planning on travelling as a backpacker? Explore our backpacker traveller advice.


Travelling As A Backpacker

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.

Cheap Travel Insurance

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.

Activities Travel Insurance




Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 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 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.