What If I Forgot To Take Out Insurance Before I Left New Zealand?

1Cover offers an Already Overseas policy. This plan has the same benefits as a Comprehensive policy, but it is subject to the following conditions: 

  • ​There is no cover under any section of the policy for the first 72 hours from the start date on your policy
  • your journey must end in New Zealand.
  • there is no cover for Pre-existing Medical Conditions under this policy unless they meet the criteria for automatically covered conditions. 
  • this policy can be offered for up to a maximum duration of 90 days.
  • there is a non-removable excess of $250.

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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.