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How to extend travel insurance

Extending travel insurance while you're abroad is possible; just make sure you do it before your current policy expires.

What you need to know

  • Lots of insurers let you extend your travel insurance while you are overseas.
  • In some cases, you can extend your travel insurance policy as late as 24 hours before you travel.
  • Make sure you extend your travel insurance before your current policy expires.

Travel insurance with extension options

Here are some brands that allow you to extend your policy after you've departed on your trip. Understand the conditions before choosing a brand so you don't get caught out without cover.

BrandConditionsApply
Zoom logoYou must submit a request to extend your cover at least 7 days if by post or before the original policy expires if by other form of request. Cover will be extended subject to their written approval, and your payment of the additional premium.
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Fast Cover LogoPolicies can be extended by logging into your policy online or contacting Fast Cover via email to request the extension. You will need to pay the additional premium and receive written approval. Your total trip can't exceed 24 months. Pre-existing conditions that aren't automatically included can't be covered.
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Insure4Less Travel Insurance LogoYou can apply for an extension via your online account and they will decide whether your policy can be extended, and the premium which may be charged. Should a medical condition first present itself prior to the time of issue of the extension it may be considered an existing medical condition and therefore may not be covered by the extension.
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Travel Insuranz Travel Insurance LogoYou can apply for an extension via your online account and they will decide whether your policy can be extended, and the premium which may be charged. Should a medical condition first present itself prior to the time of issue of the extension it may be considered an existing medical condition and therefore may not be covered by the extension.
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insureandgoIf you have commenced your trip and you would like to extend your policy, you can contact their customer service department and they will help you with this. Please keep in mind that policies can only be extended once after your trip has started.
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Tick LogoThey may be able to offer a one off extension under your policy. Please note that you MUST contact them to arrange this. If you are eligible for an extension this must be for a same policy and same destination bracket. There may be an additional premium applicable for this change. Your total trip cannot exceed the maximum trip length of the travel plan you select.
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World2Cover Logo
You can apply to extend Your single Trip policy by contacting them at least 5 days prior to Your original policy's expiration date. Extension of cover is subject to their approval (which will not be unreasonably withheld) and Your payment of any additional Premium. They may agree to extend Your cover only if You agree to certain conditions.
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Southern Cross LogoSCTIYou can ask them to extend your Single Trip Policy cover for an extra charge. If they agree to extend your cover, the extension won't cover any unexpected events that happened during the original period we were covering you. They won't extend your policy if your insurance has already ended.
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Travel with Kit Logo They can consider policy extensions as long as you meet their requirements. The premium for an extension is calculated based on the relevant plans rates at the time of the extension. More info
Travel with Jane Logo They can consider policy extensions as long as you meet their requirements. The premium for an extension is calculated based on the relevant plans rates at the time of the extension. More info
Travel Insurance SaverYou must meet elegibility to extend your policy. You can only extend a policy up to a maximum of 12 months from the original departure date shown on your Certificate of Insurance. You will not have cover for a claim arising from any event that has occurred before your policy is extended that a reasonable person in your circumstances should have known could foreseeably lead to a claim.
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1Cover Logo
You must meet elegibility to extend your policy. You must apply for an extension before Your Policy expires (11:59 PM AEST). The cost of any extensions or amendment are calculated at the current rates for the relevant plan at the time of the extension or amendment.More info

Note: This information was last updated July 2022

Extending your travel insurance: A few tips

  • As soon as you know that you'll be travelling longer than expected, contact your insurer. Do this to avoid leaving the changes to the last minute.
  • Be aware of normal business hours back home. You might not be able to get your extension approved over the weekend. Some insurers ask for at least 7 days' notice to process an extension.
  • Consider how long you'll need to extend your policy. Most insurers will only allow you to extend your policy once, so you need to get it right.
  • Double check your paperwork and make sure your extension is approved. After you make the extension, you should expect a new or updated certificate of insurance. Make sure the expiry date on your updated certificate is correct; if it's not, let your insurer know as soon as possible.
  • Extensions will not be granted if your policy has expired. If this happens, it's not the end of the world – you'll just have to find another insurer that will cover you if you're already overseas.

What is excluded when I extend my policy?

  • If you, your travel companion or a family member suffers a medical condition or injury in the first period of travel, this condition will be considered a pre-existing condition in the new (extended) period of insurance. You will not be eligible to claim for any losses related to these conditions.
  • Some insurers will have a maximum age limit applied for when requests for cover extensions can be made, for example 60 or 70 years old.
  • If there has been a change in your personal circumstances, it may impact the insurer's decision of whether to provide you with cover.

What if I'm forced to extend my trip for reasons I can't control?

Most insurers will let you extend the period of insurance free of charge if you are forced to extend your travels for reasons outside of your control. Such events may include:

  • Luggage or personal effects have been delayed on the bus, airline, shipping line or rail authority you are travelling on
  • Delay is for a reason that can be claimed under the policy (subject to insurer's written approval), such as if you're injured and can't travel or if there is a flight delay

Get quotes for travel insurance with extensions available

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