Are you already overseas on holiday and forgot to buy travel insurance. Don’t worry there are still a few companies out there that are happy to offer you cover. Hurrah!
Of course you can’t get cover for mishaps or injuries that have already happened to you prior to purchasing your policy, but an already overseas travel insurance policy offers the same comprehensive cover as regular travel insurance. So what are you waiting for? Get protected!
Eligibility requirements and conditions for already overseas travel insurance varies from one insurer to the next. Depending on the insurer you choose, there may be a waiting period before your cover takes effect and like standard travel insurance, age limits may apply. It's also important to remember that you cannot purchase cover for a pre-existing medical condition. Keep reading for more details.
Conditions of an already overseas policy:
- Who can buy? - You must be an Australian citizen or resident in order to buy a policy. You can also normally buy it if you are on a 457 working visa, a spousal visa or skilled working visa. However cover is not available to those in Australia on working holiday visas.
- Homeward bound – You must have a booked
return trip and be travelling back to Australia in order to buy this type of cover.
- Waiting periods - You may not be able to claim for any medical incidents in the first few days of your cover - this is known as a waiting period. A waiting period exists to protect insurers from those who've not bought insurance and then decide they need it later. Usually due to accident or illness and not wanting to pay the expensive overseas medical fees that they incur.
- Age limits – Just like a standard policy, already overseas policies have age restrictions saying who can and cannot buy. Check out the age limits in the table below.
- Pre-exiting medical conditions - Conditions that exist before you departed for your holiday are unlikely to be covered. Always read your insurer's policy documentation to see what conditions they cover for free. You should always tell your insurer of any pre-existing conditions when you first purchase your policy – however trivial they may seem.
Where can I buy it?
Although there are many insurance companies who don’t offer this type of cover, there are several reputable travel insurers who do offer protection to Australians who are already abroad.