Travel Insurance for Australian's Already Overseas

Australian Already Overseas

Our insurance is appropriate if you are an Australian resident and are overseas intending to return to Australia on the date your policy ends. However, there is no cover in place for the first 48 hours from the policy start date.  

Why Choose Already Overseas Travel Insurance?

When you find yourself overseas without travel insurance, it’s crucial to consider options that can provide essential coverage for various scenarios. Already Overseas travel insurance offers policies that can address medical emergencies, trip cancellations, and other travel-related incidents.  

Such coverage is vital for managing potential financial burdens, particularly if you face unexpected medical treatment or need to return home earlier than planned.  

Key Features of Already Overseas Travel Insurance

• Medical Expenses Coverage: One of the primary benefits of Already Overseas travel insurance is the coverage for medical expenses incurred due to illness or injury while traveling. This includes hospital stays, doctor visits, and necessary medical treatments, ensuring that you are not left with substantial out-of-pocket costs.  
  
  
• Emergency Evacuation: In cases where medical attention is required but local facilities are inadequate, Already Overseas travel insurance can cover emergency evacuations. This feature is particularly relevant in remote areas where access to quality medical care may be limited.  
  
  
• Trip Cancellation and Interruption: If unforeseen circumstances arise that necessitate the cancellation or interruption of your trip, Already Overseas travel insurance can provide reimbursement for non-refundable expenses. This may include flights, accommodations, and activities that were prepaid.  
  
  
• Lost or Stolen Belongings: Travelers often face the risk of lost or stolen belongings. Policies under Already Overseas travel insurance typically include provisions for lost luggage and personal items, helping to mitigate financial loss and ensuring you can continue your journey with minimal disruption.  

Note: The Medical Only policy only provides cover for Emergency Medical Expenses and Assistance, and Emergency Medical Cover whilst Cruising. 

Understanding the Importance of Travel Insurance

Travel insurance is highly recommended by Smart Traveller and serves as an important safeguard for your travel investment. It can protect you from substantial financial losses that may arise from unforeseen circumstances during your trip. The Already Overseas travel insurance option can provide this necessary coverage while you're already abroad, enabling you to concentrate on enjoying your travels without undue worry about potential risks, and allowing you to return home without hassle. 

Types of Cover for Australians Already Overseas

We offer two main types of cover for Australians already overseas:

• Medical Only: This plan provides coverage for medical expenses and assistance, including hospitalization, doctor visits, and emergency medical evacuation.  
  
  
• Essentials: The Essentials cover expands on the Medical Only policy providing further cover for things like Cancellation or Trip Curtailment, Luggage, Personal Liability, and more.
  
  
• Comprehensive: This plan offers the most extensive coverage and higher benefit limits, including medical expenses, trip cancellation or interruption, lost or stolen baggage, and personal liability.  

Already Overseas Travel Insurance FAQs

Read our comprehensive answers to frequently asked questions in relation to already overseas travel insurance. 

Is travel insurance available for Australians already abroad?
Yes, Australians already traveling can purchase travel insurance. Our "Already Overseas" policies offer comprehensive or medical-only cover for those who need insurance after leaving Australia.

What does overseas medical insurance cover?
Overseas medical insurance covers essential medical expenses incurred abroad, such as hospital stays, doctor visits, and emergency medical evacuation. This ensures you have financial protection in case of unexpected illness or injury while traveling.

How can I get emergency medical cover overseas?
Our Already Overseas travel insurance includes emergency medical cover. This can be purchased online even if you've already departed Australia, providing immediate protection for medical emergencies abroad.

What is trip interruption coverage?
Trip interruption coverage protects you financially if your trip is unexpectedly cut short. It can reimburse non-refundable expenses like flights and accommodation if you need to return home early due to a covered reason, such as a family emergency or natural disaster.

Does travel insurance provide baggage protection while traveling?
Yes, our comprehensive Already Overseas travel insurance includes baggage protection. This covers lost, stolen, or damaged luggage, providing reimbursement for essential items and helping you continue your journey with minimal disruption.

How can I manage travel risks while already overseas?
Purchasing Already Overseas travel insurance is a key step in managing travel risks. It provides financial protection against unexpected events like medical emergencies, trip interruptions, and lost luggage, allowing you to focus on enjoying your trip.

What are some tips for international travel safety?
In addition to having travel insurance, research your destination, stay aware of your surroundings, keep valuables secure, and register your travel plans with your embassy. These precautions can enhance your safety while traveling internationally.

Is expat insurance the same as travel insurance?
While both offer international coverage, expat insurance is designed for long-term stays abroad, often including features like repatriation and ongoing medical care. Travel insurance is typically for shorter trips and focuses on immediate travel-related risks. Expats may want to consider an Annual Multi-Trip policy for frequent trips within an annual period. 

What is travel health insurance, and do I need it if I'm already overseas?
Travel health insurance focuses specifically on medical-related expenses abroad. If you don't have sufficient health coverage while overseas, consider our Already Overseas travel insurance with medical coverage to protect yourself from unexpected medical costs.

Can I buy travel insurance after leaving Australia?
Yes, you can buy travel insurance after leaving Australia. Our Already Overseas policies are designed for this situation, providing immediate cover for those who need it while already abroad.

Is there travel insurance for Australians already in Europe?
Absolutely. Our Already Overseas travel insurance covers Australians wherever they are in the world, including Europe. It provides essential protection for medical emergencies, trip interruptions, and other travel-related issues.

Where can I get a quote for already overseas travel insurance?
You can get a quote for Already Overseas travel insurance directly on our website. Simply select the "Already Overseas" option in the quote panel to compare policies and find the best coverage for your needs.

Can I compare already overseas travel insurance policies online?
Yes, our website allows you to compare different Already Overseas travel insurance policies side-by-side. This helps you choose the most suitable coverage based on your needs and budget.

Is there already overseas travel insurance with medical coverage only?
Yes, we offer Already Overseas travel insurance with medical coverage only. This option is ideal for travelers who primarily want protection against medical expenses while abroad.

Is there already overseas travel insurance for travelers over 65?
Yes, we offer Already Overseas travel insurance for travelers of all ages, including those over 65. However, medical coverage may have specific conditions or higher premiums for older travelers.

Is it too late to buy travel insurance if I'm already overseas?
It's not too late! You can purchase Already Overseas travel insurance even if you've already left Australia. However, remember that there's a 48-hour waiting period before cover begins for certain events and you must be returning back to Australia. 

The 48-Hour Waiting Period
Please note that there is a 48-hour waiting period from the policy start date before cover begins. This means that any medical emergencies, trip cancellations, or other incidents occurring within the first 48 hours of your policy may not be covered.  

How to Purchase Already Overseas Travel Insurance

Acquiring Already Overseas travel insurance is straightforward. Please get a quote and click on "Already Overseas" in the quote panel, allowing you to compare different policies and select the coverage that meets your needs. It is advisable to thoroughly review the terms and conditions of each policy to understand what is included and any exclusions that may apply.  

Important Note: Cover is subject to the policy terms, conditions, limitations, and those exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the PDS prior to choosing an overseas travel insurance plan that includes cancellation travel insurance cover.