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 PDS. If your policy is older than the current effective PDS, please contact us or refer to the effective PDS at time of purchase for answers pertaining to your policy.