If you’ve already left Australia without travel insurance, or if your existing cover has recently expired, you may still be able to buy an Already Overseas policy with Fast Cover, depending on your eligibility. 

This type of policy is available under our Standard Saver, Comprehensive, or Snow Sports Plus plans if you’re already overseas at the time you purchase your cover, as long as you meet all of the following requirements: 

• You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and 

• 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 

• You hold a valid Australian Medicare card; and 

• You have a home in Australia to which you intend to return; and 

• Your trip ends in Australia; and 

• You are aged 65 years and under at the time of purchase; and 

• You declare to us at the time of purchase that you are already overseas; and 

• We agree to issue you a policy and specify your status as an already overseas in the certificate of insurance 

Key things to know when buying cover while overseas 

• A 48-hour waiting period applies to all benefits. This means there’s no cover for any event that occurs within the first 48 hours after purchasing your policy. 

• A $500 excess applies for all claims except where benefit excess is already $0.  

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.