Travel insurance when you’re already overseas

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A guide to travel insurance when you’re already overseas

Updated March 5, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

While Compare the Market doesn’t currently offer travel insurance for travellers who are already overseas, it is still possible to protect yourself with a travel insurance policy, even if you’ve already departed on your trip.

Why take out travel insurance when you’re already overseas?

Taking out a travel insurance policy when already overseas can help safeguard the remainder of your trip and provide peace of mind. If you’re unsure whether you need cover, consider the following:

  • Any incidents that occur overseas will need to be paid from your own pocket.
  • If your plans change, your current policy might not include all the cover you need.
  • Overseas medical bills can be expensive, which is why it’s important to protect yourself. against those costs with medical cover – particularly if you’re taking part in any risky activities.

Choosing cover for your trip when already overseas

If you’re looking to buy travel insurance when already overseas, you should consider the following before choosing a policy:

  • Consider what activities are left on your itinerary to make sure your policy covers them – snow sportscruising or adventure activities may require paying an additional premium for add-on cover.
  • Your cover only starts after the waiting period, so be aware that if an incident occurs before you take out a policy or during the waiting period, you won’t be covered.
  • Terms and conditions apply to every policy, but more may apply to already overseas policies. Read the Product Disclosure Statement (PDS) for details on your policy’s limits, sub-limits and exclusions.

About travel insurance when you’re already overseas

Why do you need travel insurance in the first place?


Does travel insurance taken out while already overseas cover medical repatriation?


Pre-existing medical conditions

Eligibility for cover

Who is eligible for travel insurance when already overseas?

Conditions of cover

Important to know

Am I covered if I extend my trip once I’m already overseas?

Can I still get travel insurance when already overseas if I don’t have a return flight to Australia?

Can I get overseas travel insurance with my credit card?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.