Can I buy a travel insurance policy if I'm already overseas?

For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.

Yes, New Zealanders can buy a World Nomads policy when already overseas.

You can most definitely buy a policy even if you’re already travelling, working, living or studying in another country.

If you buy a policy when you're overseas and the policy start date is within 72 hours of issue of your Certificate of Insurance, you'll need to wait 72 hours for cover to begin. However, if you suffer a serious injury as the result of an accident after the start date, there's cover for emergency overseas medical and dental expenses, and emergency evacuation and repatriation expenses straight away.

If you purchase a policy when you're overseas and the policy start date is 72 hours or more after issue your Certificate of Insurance, cover for Cancellation or Trip Interruption expenses will begin 72 hours from the time we issue the policy, with all other benefits commencing on your departure date

You can also keep buying more cover while away from home to extend your trip up to 12 months in total by signing into your World Nomads membership as long as you extend it before the policy end date (before midnight New Zealand Standard time) and the same product is available.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

Left home without travel insurance?

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.



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We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 11:00am - 8:00pm (NZST/NZDT)
  • Saturday to Sunday closed (NZST/NZDT)

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