Residents Already Overseas

Keeping You Safe is Our Top Priority

As of 20 March 2020, DownUnder Insurance is temporarily ceasing to issue new international Travel Insurance policies based on the Ministry of Foreign Affairs and Trade (MFAT) travel advice being upgraded to Do Not Travel (Level 4) for all overseas destinations.



Residents already overseas travel insurance provides cover for you if you are already overseas. To purchase this policy you must fit the following criteria:

  • you are aged 59 or under
  • you are resident of New Zealand
  • you purchase your policy while you are overseas
  • your one-way journey commences overseas and ends in New Zealand
  • for this plan ‘journey’ means your travel from the time when the policy is issued when you are overseas to the time when you return to your home or the place you intend to reside in New Zealand


Policy Benefit Per Adult

Cancellation fees and lost deposits*


Overseas Emergency Medical Assistance^*


Overseas Emergency Medical and hospital expenses^*


Dental expenses^


Additional accommodation & travel expenses*


Includes family emergency*


Includes emergency companion cover*


Hospital cash allowance^*


Accidental death*


Permanent disability^*


Travel documents, Credit cards & Travellers cheques^


Luggage and personal effects*


Luggage and personal effects delay expenses^


Travel delay expenses^


Alternative transport expenses


Personal liability


*Sub-limits apply-see "what your policy covers".

^ There is no cover under these policy sections while travelling in New Zealand.

For full details please read the Policy Wording