What happens when my policy expires?

Your policy expiry date is the Return date that you have specified on your policy. Your policy benefits will end on that Return date, whether or not you return to your home as planned.

Please ensure that you are aware of your policy expiry date during your trip, so that before your policy ends, you can extend your policy if you wish to stay overseas longer than planned.

  1. If you are still overseas when your policy is about to expire and it is for a reason for which you can claim under your policy, the Emergency Assistance team will automatically extend your policy for you. For example: if you are injured in an accident or you unexpectedly become seriously ill.
  2. If you are still overseas when your policy is about to expire and you are not sure if the reason is something for which you can claim under your policy: you should log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option). If you then find that the reason is for something for which you can claim under you policy, you can put in a claim for the cost of the policy extension.
  3. If you are still overseas when your policy is about to expire and it is NOT for a reason for which you can claim under your policy: you should log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option).
  4. If you are on the final day (expiry date) of your policy and it is NOT for a reason for which you can claim under your policy, you can still extend your policy: log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option).
  5. If you are past the expiry date of your policy, you may be able to purchase an Already Overseas policy to cover you for the remaining time that you are overseas.

Note:

  • Policies purchased while you are already overseas are subject to:
    • A 48-hour no-cover period for all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy). 
    • A $500 excess for all claims, and
    • Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.
  • Contact us for assistance:

For more information, refer to our Product Disclosure Statement (PDS).