Finder makes money from featured partners, but editorial opinions are our own.

Travel insurance for Australians already overseas

Forgot something? Get travel insurance if you're already abroad.

What you need to know

  • A handful of Australian travel insurers let you buy a policy if you are already overseas.
  • It can cover you for medical expenses, cancellations, lost luggage and more.
  • It will not cover you for events that have already happened.

Already overseas? Get travel insurance with these brands right away.

BrandWaiting PeriodJourney Must End in Australia?Enquire
Medibank Travel Insurance3 days for all claims
Get quote
Freely Logo3 days for all claims
Get quote
Fast Cover Logo72 hours for Covid related claims
48 hours for other claims
Finder AwardBonus
Get quote
Insure4Less Travel Insurance Logo48 hours for all claims
Get quote
Travel Insuranz Travel Insurance Logo48 hours for all claims
Get quote
Covermore logo3 days for all claims
Get quote
Travel Insurance Saver72 hours for all claims
Get quote
Easy Travel Insurance3 days for all claims
Get quote
Kogan travel insurance logo3 days for all claims
Get quote
1Cover Logo
72 hours for all claims
More info

Note: This information was last updated August 2023

General conditions for getting travel insurance while abroad

  • You must be an Australian resident
  • You must be planning to returning to Australia by the end date of the policy
  • You must be under a cerrtain age (usually 70 or under)

What does already overseas travel insurance cover?

Already overseas travel insurance policies will generally offer the same level of cover as any other plan. This includes:

  • Overseas medical assistance and hospital expenses.
  • Medical evacuation and repatriation
  • COVID-related losses
  • Hire car excess
  • Cancellation or amendment to your trip (e.g if you suffer a serious illness and are unable to travel home as planned)
  • Theft, damage or loss of your belongings.
  • Theft of cash, valuables and belongings
  • Family emergencies

Tips for comparing travel insurance policies if you are already overseas

There are a number of tips you should be aware of to help ensure you end up with the best already overseas travel insurance policy to suit your needs.

  • What is the waiting period? Most insurers will apply a waiting period of about 3 days before cover will commence.
  • What excess will you pay? Some insurers will apply an increased excess for already overseas policies.
  • What activities will you be covered for? Then you can consider the activities and experiences you plan on enjoying while travelling. Will you be just relaxing beside the pool most of the time or are you planning on engaging in higher-risk activities like skydiving? Some policies will exclude certain activities, so make sure you know what is and isn’t covered.
  • Will you be covered for medical repatriation to Australia? If taking out travel insurance while overseas, it's important to find a policy that will cover the cost of medical repatriation to Australia where necessary.
  • Need cover for the family? Most insurance companies offer Family cover so that you can cover your spouse and children under the one policy. Cover for dependents under the age of 21 is generally provided free of charge.

Why you can trust Finder's travel insurance experts


We're free

Our travel insurance engine is completely free to use. You pay the same as buying directly from the insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
expert advice

We're experts

We've researched and reviewed almost every travel insurer on the market as part of our Finder Awards and our in-house experts regularly appear on Sunrise, 7News and various news publications.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of travel insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped over one million people find travel insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.

Frequently asked questions

More guides on Finder

  • Expat travel insurance

    Are you an Australian currently residing overseas and looking for travel insurance cover? Find cover options from international travel insurance providers and make a secure enquiry for cover.

  • How to extend travel insurance

    Find out which providers will let you extend your policy while travelling and the general conditions for extending cover. Find out when you can extend your policy free of charge.

Go to site