Already Overseas Travel Insurance
Already travelling and need travel insurance? Whether you forgot to buy cover before leaving Australia, your existing policy has ended, or your trip has been extended, Go Insurance may be able to help.
Already have a Go Insurance policy and need urgent emergency assistance? Contact Emergency Assistance here.
Important before you buy
Select “One Way” when getting a quote
If you are already overseas, choose “One Way” during the quote process and nominate Australia as your final destination. This helps ensure the quote is based on travellers who have already departed Australia and need cover for the remainder of their trip home.
Choose the travel region that matches where you will be travelling before returning to Australia. For example, if you are in Europe and will not be travelling to the USA, Canada or Antarctica before returning home, select the region that reflects that itinerary.
Already experiencing a problem?
Travel insurance is designed for unexpected events. If something has already happened before you buy your policy, or you are already experiencing symptoms, delays, disruption, loss, theft, injury, illness or another known issue, that matter would generally not be covered.
Already overseas? You may still have options
Leaving Australia without travel insurance does not always mean it is too late.
Go Insurance may be able to offer cover to eligible Australians who are already overseas, including travellers who forgot to buy cover before departure, extended their trip, or discovered their previous policy has ended.
The key is to arrange cover as soon as possible and understand when cover starts, what waiting periods apply, and what will not be covered because it was already known before the policy was issued.
Who it may suit
How to get a quote when you are already overseas
The quote process is simple, but the details matter.
Select “One Way”
When getting a quote, choose “One Way” because your trip has already started and you need cover for your journey back to Australia.
Nominate Australia as your final destination
Your trip and period of insurance must end in Australia on the same date, and you must have a ticket booked to return to Australia.
Choose the right travel region
Select the region that matches where you will travel before returning home. Your selected region should reflect your remaining itinerary.
How cover works after departure
Buying travel insurance while already overseas is different from buying before you leave Australia.
For cover arranged to start when you are already overseas, a 48-hour waiting period applies. Once that waiting period has passed, cover is provided in line with the terms, conditions, limits and exclusions of the PDS.
The policy is designed for selected unexpected events that occur after cover starts. It is not designed to cover events, symptoms, losses, delays, disruptions or circumstances that already existed or were known before the policy was purchased.
Examples of what may not be covered
Eligibility at a glance
Already overseas cover is designed for Australians who are travelling temporarily and returning home to Australia.
When this product may not suit
This cover is generally not designed for Australians living overseas who want cover for a side trip that starts and ends overseas.
For example, if you are living in the UK and want cover for a short trip to Croatia before returning to the UK, this type of one-way policy would generally not be suitable.
If your trip does not start in Australia, it must end in Australia to be eligible to purchase a one-way policy with Go Insurance.
Extending a trip or replacing expired cover
Plans change. Trips get extended. Sometimes existing travel insurance runs out while you are still away.
If your current Go Insurance policy is still active, you may be able to request one extension of the policy period, depending on your circumstances and the reason you cannot return to Australia as planned.
You must contact us before your policy end date. You may be asked to provide evidence of your pre-booked travel arrangements.
Before you buy or extend
What cover may include
Depending on the policy you choose, travel insurance may include selected benefits for future unexpected events after cover starts.
Emergency assistance
If you already hold a Go Insurance policy and you are experiencing a serious medical or travel emergency, contact Emergency Assistance as soon as possible.
If you do not yet hold a policy, emergency assistance is not a substitute for buying cover and cannot create cover for an event that has already happened.