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Our Already Overseas policies provide the same benefits as an Overseas Comprehensive Policy. 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 no cover provided under any section of the policy for the first 72 hours from the departure date issued on your certificate of insurance. There is also a non-removable excess of $250.
All benefits listed below are subject to terms and conditions within the PDS.
Travel with total peace of mind. If anything goes wrong you've got unlimited emergency assistance and medical cover.
If the unexpected happens and plans change, you've got unlimited cover for cancellation and lost deposits.
You'll enjoy all the same benefits as our comprehensive policies, our highest level of travel insurance cover.
Planning to rent a car to get around on your overseas trip? We'll cover rental vehicle excess up to $5,000.
Travelling with valuables or your fave bag? You've got cover for up to $15,000 worth of luggage and personal effects.
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.
Tailor your policy to suit your holiday and needs with our range of optional add-ons available.
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 |
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.
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.
Rental vehicle excess cover is provided under an Already Abroad Comprehensive policy up to $5,000. But you can choose to increase your rental vehicle excess cover amount up to $8,000 and extend your protection.
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.
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 $200.
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 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.
Policy Manager 
Fiji Insurance
Car Hire Excess Guide
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