Is Personal Liability Covered? 

The Already Overseas cover is appropriate for Australia residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left Australia or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in Australia and will be returning to resume residence in Australia at the end of your journey; and
• You intend to return to Australia on the date your policy ends; and
• You purchase your policy within 5 days from either the date you departed Australia; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 15 consecutive months in total from the date you originally departed Australia;

Please note:

• For this cover "journey" means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in Australia.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.