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) 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. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing 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:

•  A 48-hour no-cover period applies to 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.

Note:

• You cannot purchase a Basics Policy or Frequent Traveller Saver Policy 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).