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Does Cover Start Immediately For Already Overseas Policies?



The Already Overseas policy has a wait period of 72 hours. The 72 hour wait period starts from the date that is shown on your certificate of insurance.

During the 72 hour wait period there is no cover provided under any section of the policy. That means that if you sustained an injury or become unwell within the waiting period, you won’t be covered.


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All FAQ answers are based on the current effective Policy Wording. If your policy is older than the current Policy Wording, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Policy Wording.