Purchasing travel insurance from Fast Cover is not restricted to when you have not yet left Australia. We offer policies to people who have already embarked on their journey and don’t have insurance for some reason. At Fast Cover, we understand that there are some circumstances that may lead you to taking a policy out once you have already left Australia. These may include:
- Being covered by another insurance company and the policy running out
- Having travel cover for the country you are travelling to but not for other countries
- Not having cover for a transit country
- Being covered by your credit card but wanting extra cover
- Seeking cover for a specific unplanned activity like skiing for part of your trip
Getting competitively priced already overseas travel insurance is now as easy as clicking a mouse. At Fast Cover, you simply tick the appropriate answers to get an accurate quote that suits your budget.
If you are an Australian citizen, you may qualify for already overseas travel insurance with us.
All sorts of travellers - backpackers, students, families, skiers and senior citizens^ may purchase already overseas travel insurance from us. Just like most policies, there are some conditions and some eligibility criteria that needs to be met before a policy can be purchased. Please see below.
Can I buy travel insurance while I am overseas?
Australian residents can purchase an already overseas policy if they have left Australia or your travel insurance policy has expired.
You can purchase a Comprehensive, Standard Saver or Snow Sports plus policy, provided you meet the following criteria.
- 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 to which you intend to return; and
- Your trip ends in Australia; and
- You are aged 65 years and under at 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 'already overseas' on your Certificate of Insurance.
Our already overseas policies are subject to:
- A 48-hour no-cover period which 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.
Please note, you cannot purchase a Basics 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.
Is there a cooling off period for an already overseas travel insurance policy?
We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the policy (e.g. you have not made a claim or used your policy to obtain a visa). We have extended this money back guarantee to circumstances where you cannot go on your trip for a reason related to COVID-19 that is not covered under this policy.
If you need to cancel your Already Overseas policy, you should contact us before your cooling off period ends, and we will be able to cancel and refund the premium that you have paid, provided you haven’t made a claim or exercised any of your rights under the policy.
Please be aware, there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy.
Can I reduce the excess on an already overseas travel insurance policy?
No, you can’t reduce the excess on policies purchased while already overseas. A fixed $500 excess applies to all claims.
Can I extend my travel insurance policy if I am 80 years of age and already overseas?
We cannot extend policies to travellers who are over the age of 80 unless your trip is extended due to a claimable event, in which case your policy will be extended free of charge until you are able to travel home safely and directly or for a period of up to six months – whichever occurs first. Any extension must be approved by the Emergency Assistance team. Any persons over the age of 64 are not eligible for an already overseas policy.
What exactly am I covered for on an already overseas travel insurance policy?
When you purchase one of our already overseas policy you would be covered for the same benefits as if you purchased the policy whilst in Australia, including:
- 24/7 Emergency Medical Assistance
- Medical Expenses
- Emergency Evacuations
- Overseas Emergency Dental^
- Personal Liability
- If your trip is disrupted
- If you need to return home for reasons outside of your control
- Delay of luggage^
- Luggage coverage^
- Travel delays ^
- Alternative transport ^
Important, please read and remember
Not all situations guarantee coverage while you have already embarked on your journey. It is important to do your research to find the best level of cover for your particular trip. Though Fast Cover have different policies you can choose from, not all situations are equal and not all policies will suit your situation. If in doubt, call or email us for a comprehensive breakdown of what is covered and not covered for already overseas policies.
^ Benefits subject to limits and exclusions of the insurance policy and may vary depending on policy type. Read the Product Disclosure Statement for further details
