Already Overseas Travel Insurance – Get Covered While Abroad
If you’ve already started your trip and realized you forgot to arrange travel insurance, it’s not too late.
Our Already Overseas travel insurance options allow you to purchase coverage after departure — protecting you from unexpected medical costs, cancellations, and travel disruptions while abroad.
Why You Need Already Overseas Travel Insurance
Once you’ve left your home country, most standard travel insurers won’t let you start a new policy.
That’s where Already Overseas coverage comes in — offering flexible protection even if you’re already travelling.
These policies provide peace of mind for:
Whether you’re studying, working remotely, or backpacking long-term, Already Overseas coverage ensures you remain protected until you return home.
Key Benefits of Already Overseas Plans
Coverage details vary by insurer, but most plans include:
Who Is This Coverage For?
Already Overseas travel insurance is ideal for travellers who:
Forgot to buy insurance before departure
Extended their holiday or business trip unexpectedly
Are working, studying, or living temporarily abroad
Are digital nomads or long-term travellers visiting multiple countries
Need ongoing medical and evacuation coverage while overseas
Who Can Apply?
Ready to Find the Right Plan?
- Purchase Early While Abroad
Don’t delay once you realize you’re uninsured — waiting periods start counting from purchase time. - Check Your Eligibility
Some insurers limit coverage based on residency or time already spent abroad; confirm before purchasing. - Extend Before Expiry
Apply a few days before your policy ends to avoid gaps. Extensions are only available if you’re fit to travel. - Keep Proof of Travel and Receipts
Airlines, accommodation, and visa evidence may be required if you make a claim or need to confirm travel dates. - Review Medical Limits
Choose evacuation limits that match your destinations — especially in remote regions. - Stay in Contact with Your Assistance Team
Always call your insurer’s 24/7 number before arranging medical treatment or evacuation to ensure pre-approval. - Understand Waiting Periods
Coverage for sickness or injury begins only after the initial 48–72-hour window. Emergencies due to accidents are usually covered immediately.
Yes. Auras, IMG, and Globelink allow coverage to start after you’ve already departed, subject to short waiting periods.
Waiting periods range from 24 to 72 hours, depending on the insurer. Accidents are usually covered immediately.
Generally, no. Pre-existing conditions are excluded unless stated in your policy wording.
Yes. IMG and Auras allow policy extensions or renewals without returning home, subject to eligibility.
These plans provide worldwide coverage, excluding any regions under government travel bans.
Yes. Auras and IMG both offer options to include adventure or sports coverage even if you’re already abroad.
Some insurers may request confirmation of your current travel status before issuing the policy.
Claims are handled directly by your insurer. Visit our Claims & Emergency Assistance page for contact details and submission forms.
Eligibility includes travelers from the U.S., Australia, UK, EU, and many other regions — check your residence when quoting.
Disclaimer
Coverage terms, limits, and waiting periods vary by insurer and destination.
Always review your policy wording or Product Disclosure Statement (PDS) before purchasing.
Pre-existing conditions, sports participation, or specific destinations may require optional or upgraded coverage.