Travel Insurance for Australian's Already Overseas

Comparing Coverage Options for Already Overseas Insurance

1. Multi-Trip vs. Single-Trip Policies

• Multi-Trip Insurance: If you travel frequently, this option covers multiple trips within a 12-month period, ensuring ongoing protection without needing new coverage each time. Multi-trip policies provide comprehensive coverage, including emergency medical assistance, lost baggage, and personal liability.
• Single-Trip Insurance: Best suited for extended stays or one-time travel, single-trip insurance covers a single journey. This option may include essential benefits such as trip cancellation, emergency medical care, and evacuation services, all tailored to travellers already overseas.

2. Comprehensive Coverage for Travelers Already Abroad

Comprehensive one-way or already overseas coverage offers protection against a wide array of potential travel issues, including:

• Emergency Medical and Dental Expenses: Unlimited medical coverage for illnesses, injuries, and necessary dental treatments, ensuring immediate assistance wherever you are.
• Baggage and Personal Belongings: Coverage for loss, theft, or damage to personal items, allowing reimbursement for essential belongings.
• Personal Liability: Financial protection in case of accidental injury to others or damage to their property.
• Trip Interruption and Cancellations: Reimbursement for cancelled flights, hotel bookings, or prepaid travel if the trip is interrupted due to covered events.

3. Medical-Only Already Started Travelling Coverage

For travellers focusing primarily on health-related coverage, the medical-only plan may include:

• Emergency Medical Assistance and Evacuation: Unlimited assistance for emergency medical and hospital treatments, plus medical repatriation to Australia if necessary.
• 24/7 Emergency Assistance through Chase Underwriting: Chase Underwriting offers global, round-the-clock support for all health and emergency travel needs.

What’s Covered and What’s Not

Understanding what your policy may include and exclude is crucial to making the right choice:

• Covered: Emergency medical expenses, lost or delayed baggage, trip cancellation, personal liability, and optional COVID-19, snow sports, and cruise covers.
• Not Covered: Pre-existing conditions not declared and approved, losses due to intoxication, high-risk activities not explicitly covered, and unattended belongings in public areas.

Refer to the PDS for a complete overview of policy conditions and limitations to fully understand the details of your plan.

Optional Coverage Extras

Travel Insurance Saver offers several add-ons to tailor your insurance further:

Snow Sports Cover

• On-Piste Skiing and Snowboarding: Coverage for injuries and medical assistance during on-piste snow sports.
• Equipment Protection: Reimbursement for lost or damaged snow sports equipment.
• Trip Cancellations: Protection against weather-related cancellations affecting snow sports activities.

Cruise Cover

• Medical and Evacuation Costs: Coverage for onboard emergencies and transport to shore facilities if necessary.
• Cabin Confinement: Compensation for missed excursions or port stops due to medical confinement.
• Shore Excursion Cancellations: Reimbursement for prepaid excursions if medical issues prevent participation.

COVID-19 Cover

• Medical Costs for COVID-19 Treatment: Coverage for expenses related to COVID-19 treatment abroad.
• Trip Cancellation or Interruption: Reimbursement for non-refundable travel costs if COVID-19 affects your plans.
• Mandatory Quarantine Expenses: Compensation for accommodation and additional travel costs if quarantine becomes necessary.

24/7 Emergency Assistance through Chase Underwriting

Travel Insurance Saver’s policies include 24/7 emergency assistance from Chase Underwriting, ensuring immediate support for any medical emergencies, logistical needs, and essential travel adjustments. This service connects you with professionals to manage your situation swiftly.

Frequently Asked Questions (FAQ) for Getting an Already Overseas Insurance Quote

1. What information is required to get a quote for already overseas travel insurance?
You’ll need to enter trip details, including your age, destination, trip duration, and any optional extras you wish to add, such as COVID-19, snow sports, or cruise coverage.

2. Can I add snow sports or cruise cover if I’m already travelling?
Yes, simply choose these options during the online quote process to tailor coverage to your activities.

3. Is COVID-19 coverage included?
COVID-19 cover may be available as an optional add-on and may include medical costs, trip cancellation, and quarantine-related expenses.

4. Can this policy end while I’m still abroad?
Yes, already overseas travel insurance can end while you are still travelling if the coverage period expires. The end date and terms are outlined in your Certificate of Insurance.

5. What if I need medical repatriation back to Australia?
Comprehensive and medical-only plans include medical repatriation back to Australia if deemed necessary for health reasons.

Get a quote travel insurance quote if you are already departed Australia. 

Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Make sure you’ve read and understood the (PDS) prior to choosing a travel insurance policy.