Can I buy a policy while I am overseas?

Yes, if you are an Australian resident and left Australia without travel insurance, or if your travel insurance policy (even if issued by another insurer and includes credit card travel insurance) has expired, we may be able to help.

You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements:

  1. You have
    1. been overseas for less than 14 days, or
    2. have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
  2. You are an Australian citizen or permanent resident normally residing in Australia, and
  3. You hold a valid Australian Medicare card; and 
  4. You have a home in Australia to which you intend to return; and
  5. Your trip ends in Australia; and
  6. You are aged 65 years and under at time of purchase; and
  7. You declare to us at the time of purchase that you are already overseas; and

  8. We agree to issue you a policy and specify your status as already overseas in the Certificate

    of Insurance.

Policies purchased while you are already overseas are subject to:

  • A 48 hour no cover period, which starts from the time your policy payment is processed and applies to all benefits. This means that there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy, and hence your policy start date cannot start on the day that you purchase your policy. 
  • A $500 excess for all claims except where the Benefit Excess is already $0. It is NOT possible to reduce the $500 excess.
  • The other applicable policy terms, conditions, exclusions and limits of cover described in the Product Disclosure Statement (PDS).

What is the age limit for already overseas policies?

To be eligible for an already overseas policy, you need to be aged 65 or younger at the time you buy your policy.

How long can I travel for on an already overseas policy?

The maximum amount of time you can purchase an already overseas policy is 24 months.

You would need to firstly take out a policy for the initial 12 months of your trip, and then extend your policy for another 12 months once your policy starts.

Does the already overseas policy have COVID-19 cover?

The already overseas policy includes the following cover for COVID-19:

  • Unlimited COVID-19 overseas emergency medical, hospital and medical evacuation expenses.
  • Trip cancellation and disruption due to COVID-19 up to limits as per the policy selected,

Can you get an already overseas policy if I have health insurance from an overseas company?

No, a local health policy does not quality as a travel insurance policy, and hence does not satisfy the requirements for purchasing an already overseas policy.

Note:

  • Only select policies are available to be purchased if you are already overseas
  • Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you.