Travel insurance when you’re already overseas

Travel insurance provides a financial safety net for a range of things that could go wrong on an overseas trip. When making travel plans, it’s recommended that you take out comprehensive travel insurance before you begin your journey, ideally just after you’ve booked your flights or accommodation.

That way, you’re likely to be covered from the very beginning. With cancellation cover, you can make a claim to recover lost deposits and booking expenses if something goes wrong before you even depart.

Taking out a travel insurance policy when you’re already overseas can help safeguard the remainder of your trip and provide peace of mind. If you’re unsure whether you need cover, consider the following:

• Any incidents that occur overseas will need to be paid from your own pocket.
• If your plans change, your current policy might not include all the cover you need.
• Overseas medical bills can be expensive, but you may be able to protect yourself against those costs with medical cover – particularly if you’re taking part in any risky activities.

• Consider what activities are left on your itinerary to make sure your policy covers them – snow sports, cruising or adventure activities may require paying an additional premium for add-on cover.

The travel insurance you get when you’re already overseas typically covers the same things as travel insurance purchased before your journey – though there might be some different limits and conditions. Depending on your insurance provider and your level of cover, you could be covered for:

• Overseas medical expenses
• Lost and damaged luggage
• Travel delays and trip cancellations
• Theft of cash, valuables and personal effects
• Personal legal liability
• 24/7 emergency medical assistance
• Medical evacuation and repatriation
• COVID-19 (coronavirus) related losses
• Hire car excess cover.

Terms and conditions apply to every policy, but additional ones may apply to already overseas travel insurance policies. Read the Product Disclosure Statement (PDS) for the full details on your policy’s limits, sub-limits and exclusions. Read the Target Market Determination (TMD) to check if a policy is suitable to your personal circumstances.

Travel insurance for when you’re already overseas will generally have the same (but potentially more) exclusions as a standard policy that you purchased before your departure date. Some instances where your claim may be rejected are if:

• You were injured while behaving recklessly, dangerously or illegally
• You left your luggage unattended and it was stolen
• You travelled against government or medical advice
• You travelled to a destination as a known excluded event was occurring (e.g. natural disasters or political unrest)
• You tried to claim during the 48-72 hour waiting period from when your Certificate of Insurance was issued (if you get injured during this period, contact your insurance provider as they may make an exception).

Keep in mind that some policies purchased when the traveller is already overseas won’t offer a cooling-off period, so you won’t receive a refund if you cancel your policy. Be sure to read the policy PDS before you purchase to understand the specifics of your cover.

If you have a pre-existing medical condition, it’s unlikely you’ll receive cover for it under an already overseas policy. You can still purchase travel insurance if you’re overseas already, but your travel insurance company typically won’t accept any claims for incidents relating to your pre-existing condition even if you declare it to them.

However, you can still have coverage for other emergency medical expenses unrelated to your conditions, as well as all other events listed in your policy.

In most cases, only Australian residents can get travel insurance from Australian insurance providers after they leave the country. Some providers might also have age limits on who can purchase a travel policy once they’ve left Australia, and proof of a return ticket is usually required for cover. Some insurers may also have a time limit on when you can still purchase an already overseas policy (e.g. within five days of starting your trip).

Eligibility isn’t limited to single trips either – you can still purchase annual multi-trip insurance even if you’ve already departed on a trip, but if you do, be sure to check the maximum travel days that are covered per trip

You can find the complete eligibility requirements of your travel insurance cover in the PDS of your policy.

Additional terms and conditions may affect your international travel insurance if you purchase cover when you’re already abroad, including:

• Waiting periods. Policies purchased when you’re already overseas often enforce waiting periods, meaning that you aren’t covered for losses incurred during this time (e.g. the first 72 hours of cover).
• You’ll need a return ticket. You’ll most likely need to have already booked a return ticket to Australia.
• Time limits. There are usually time limits for when you need to purchase cover and how long it lasts. For example, you may need to purchase travel insurance within 15-30 days of leaving Australia. It may also only cover you for a set period, such as 90 days.

Specific conditions may differ across insurance providers, so it’s important to check the details of the policy before purchasing. You can typically find these details in the PDS.

Some providers may allow you to extend your coverage if you already had travel cover and stay abroad beyond the period covered by your original policy. If your provider doesn’t allow you to extend your policy, your other option is to take out a new, already overseas policy.

If you’re intending to stay abroad for a long time, you should consider long-term travel insurance instead.

Unfortunately, if you’re already overseas, most providers may require that you have a return ticket to Australia to get travel insurance, so that your trip ends in Australia or that you return home by the end date covered in your insurance.

If you don’t have a return flight planned and haven’t yet departed Australia for your overseas adventure, you should consider taking out one-way travel insurance.

Many credit cards come with complimentary travel insurance automatically included. While credit card travel insurance will typically have lower limits than buying comprehensive cover directly from an insurance provider, it can still cover you for most standard inclusions. However, if it wasn’t included, it’s unlikely you’ll be able to get an already overseas policy.

You may want to consider getting an overseas travel insurance policy on top of your existing one if you want extra cover for cruise trips, adventure activities or skiing and snowboarding. Keep in mind, you generally won’t receive coverage for any pre-existing medical conditions with credit card travel insurance either.