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Already Overseas Travel Insurance

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. 

Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

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 Policy Wording for details. 

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 Policy Wording 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 5 days of leaving New Zealand, or within 5 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 Policy Wording or get an instant quote now

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#*



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Tailor your Policy

Cruise Pack

Cruise Pack 

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.

Winter Sports Pack

Winter Sports Pack

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.

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. 

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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.



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