travel insurance expires while away

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Save Money with Post-Departure Travel Insurance

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

Share this Page

{{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

Annual Travel Insurance
Cruise Insurance
Domestic Travel Insurance
International Travel Insurance
Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Make A Claim
Policy Doc ument s

Travel Insurance
Breakdown Cover
Schengen Travel Insurance
Specialist Products

3 popular European road-trips for autumn

Voyager Insurance lists 3 popular destinations for an autumn European road-trip.

Brexit and Your Travel Insurance

As the situation regarding Brexit continues to change, as it stands the UK is still currently set to...

About Voyager
Policy Options
Policy Documents
01483 80 66 80

Already Departed Travel Insurance – What you need to know.

Posted in General Travel Travel Insurance , already departed , already departed travel insurance on 12 June 2023

At Voyager Plus Travel Insurance, we can provide a special type of Travel Insurance policy called “Already Departed Cover”. However, many people are unaware of what Already Departed Cover is or they don’t know when they would need to buy it.

When you booked your trip, the first thing on your mind may not be purchasing trip cover in case you have to come home early, or even emergency medical cover for when you are on your trip. The chances are, after booking your trip you were filled with excitement and couldn’t wait for your holiday to roll around. In and amongst planning and packing for your trip, it is easy to forget things, including buying a suitable Travel Insurance policy.

If you find yourself at the airport without having travel cover in place, then Already Departed Travel Insurance is fortunately available as an option for you.

What is Already Departed Cover?

Already Departed Travel Insurance is essentially Travel Insurance for when you’re already on your holiday. Whether you forgot to buy a Travel Insurance policy before leaving, realised your existing policy expired whilst on your trip or another reason why you forgot to get travel cover, Already Departed Travel Insurance is designed for you.

Purchasing Travel Insurance while abroad can be especially tricky as most standard policies require you to have bought them prior to travelling. Therefore, it can be difficult to find an insurer that will allow you to buy a Travel Insurance policy once you’ve already reached your destination.

Voyager Plus Already Departed cover provides a solution for this, allowing you to purchase a policy even though you may be on the other side of the globe to your country of residence.

When Would I Need Already Departed Insurance?

You might be surprised to find out that when it comes to Travel Insurance, the start of your trip is deemed to be as soon as you have left home. Many people don’t believe they have ‘departed’ on their trip until the plane has at least taken off, but from an insurance point of view, this is not the case. This means that even if you are planning to buy a Travel Insurance policy at the airport, you would need to find an appropriate Already Departed Travel Insurance policy.

Another possibility is, if you find yourself having to buy Travel Insurance when already abroad, again you would need to find a Travel Insurance policy that offers cover even though your trip has begun. This might not necessarily be because you have forgotten to get insurance before travelling, rather that you have extended your trip beyond your originally planned departure date. Nevertheless, you would still require Already Departed cover for the remainder of your trip.

Are there any restrictions in place for Already Departed Cover?

When considering Already Departed Travel Insurance, it is essential to understand the specific terms and conditions of the policy in case there are any restrictions. Some insurance providers may have certain limitations, such as a waiting period before coverage becomes effective or restrictions on pre-existing medical conditions.

It is crucial that you carefully review the policy details, coverage limits, and any exclusions to ensure the policy has adequate protection for your specific needs. Reading the policy documentation thoroughly and consulting with the insurance provider can help you to make informed decisions and understand exactly what cover is being provided.

When specifically relating to Voyager Plus’s Already departed cover, due to the nature of the policy and the fact you are able to buy this after your trip has begun, there is no cover for Cancellation included due to the fact your trip will have already begun when you purchase your policy. There is, however, cover for Curtailment if you find yourself in a position where you have to end your trip early for an insured reason.

Furthermore, Voyager Plus Already Departed policies are unable to provide cover for ANY pre-existing medical conditions as medical screening is not available on an already departed basis.

When taking out cover, your policy must begin the day immediately following the day of purchase. Cover must also be arranged for the remaining period of your trip so long as this does not exceed the maximum duration allowed on a Voyager Plus policy (Please see policy wording for full details).

Whilst a standard Voyager Plus policy includes a 14 day ‘cooling off period’ for cancelling your policy, the same does not apply to Already Departed policies, simply because the policy coverage will start so soon after purchase.

Lastly, there is a 14-day waiting period before medical expenses cover commences in respect of illness.

Voyager Plus Already Departed Cover

If you are already abroad, Travel Insurance with Voyager Plus could be the right way to go for you. Our Already Departed Cover is available on both Single Trip and Long Stay policies and provides up to £10,000 Curtailment cover should you need to end your trip early, up to £10 million Emergency Medical Expenses (including repatriation) in case you need emergency medical treatment outside of your home country, and up to £3,500 Baggage cover should you be in the unfortunate position where your luggage is lost or stolen.

Included in your Already Departed policy is also cover for travel disruption, personal accident, legal expenses, and more. Plus, you can tailor your policy to your individual needs with our optional extras, including gadget cover, winter sports cover, and more.

To get Already Departed Holiday Insurance with Voyager Plus, click the ‘Get a Quote’ button below.

Get a Quote

Travel Insurance - Already Departed - Voyager Plus.

You can get a Voyager Plus Travel Insurance quote by clicking the “Get A Quote” button on our website or by calling our helpful team on 01483 806 680 .

Get 10% off Already Departed Cover for a Limited Time!

This summer, grab a great deal on Already Departed Travel Insurance with 10% off your policy using code*: AD10

This deal won’t be around forever, click the get a quote button today to avoid missing out.

*This discount code does not apply to medical screening premiums. It must also be used at the time of purchase and cannot be used in conjunction with any other promotions, offers or discount codes. This discount is valid until midnight on the 31/08/2023. We reserve the right to withdraw this promotion without further notice.

While Already Departed Travel Insurance can provide valuable coverage during your trip, it is important to note that it may not offer the same benefits as Travel Insurance policies taken out prior to departure. Therefore, it is generally a better idea to purchase Travel Insurance before your trip whenever possible to ensure you have the widest range of coverage options available.

In conclusion, Already Departed Travel Insurance is an extremely useful option for individuals who find themselves without Travel Insurance coverage after starting their trip. It offers a safety net for unexpected events and emergencies where previously there wouldn’t have been one, providing you with peace of mind while you explore your destination.

As always, please make sure that you carefully review the policy details and understand what protection your Travel Insurance provides before purchasing the policy.

This article is for information and entertainment purposes only. It does not constitute advice in any way. The information provided here is correct at the time of writing however please check the latest policy wording for the latest terms, conditions, and exclusions.

Can I Buy Travel Insurance If I’m Already Abroad?

Already overseas and forgot to buy travel insurance before you left?

Has your travel insurance run out while you’re on vacation and you want to extend your stay or, heading to an area where it might be a really, really good idea to have travel insurance and you never bothered to buy any before? No matter the reason, buying travel insurance while you’re already abroad happens a lot more often than you’d think.

If you find yourself without travel insurance, and you’re already on the open road, don’t worry, we have the solution.

Can I buy travel insurance if I’m already abroad?

Whether you’re a classic procrastinator and forgot, or if your travel plans have changed: the good news is you can probably get travel insurance when already abroad for the remainder of your trip. Even better, the coverage you get will likely be similar to a policy you’d have purchased before you left.

This is important : No matter which policy you buy, you won’t be covered for injuries or accidents that happened before you buy your policy. So waiting until you’re on the way to the hospital isn’t the best time to buy travel insurance.

Not all travel insurance companies offer travel insurance if you’re already out of the country. In fact, many require that you haven’t already left on your trip. That said, there are some companies that let you get travel insurance after departure.

World Nomads

Safetywing nomads insurance.

SafetyWing Nomad Insurance offers flexible medical insurance while traveling.

If you’re on a budget, SafetyWing lets travelers pay for insurance on a monthly basis, as opposed to all at once in the beginning.

Travel medical coverage starts from $42/4 weeks.

You can buy Nomad Insurance from SafetyWing in 180 countries. You can also by it while already traveling, in case you forgot to purchase insurance before leaving on your trip.

Learn more about SafetyWing Nomad Insurance here.

Waiting periods before coverage starts

Some insurers have a waiting period before coverage starts, which is usually just a few days, before your travel insurance coverage takes effect. This is more common for Australian and New Zealand companies, but we’ve also heard it happens with Canadian, UK and US companies. So, the answer to “Can you get travel insurance when already abroad?” is yes, but you may have to wait a few days.

If you get sick or have an accident during this waiting period, you likely won’t be covered. Insurance companies add this waiting period to protect themselves from fraud from people who’ve gotten sick or injured, and then buy insurance to cover the now existing injury or illness.

That said, check your policy because some insurers have a waiting period, but they’ll also cover you for emergency overseas medical expenses and emergency transport expenses for a sudden illness or serious injury that results from an accident during that waiting period. Every travel insurance company handles the waiting period differently, so talk with your travel insurance agent to see what they do and don’t cover during this waiting period.

Travel insurance coverage for people already abroad

Just like regular travel insurance, the costs and what’s covered under your policy varies a lot for travel insurance if you’re already overseas.

The exact eligibility requirements to buy travel insurance after departure, and cover you get, will depend on the specific insurer you choose for post departure travel insurance. Talk to an insurance agent to make sure you’re covered for every activity you plan on doing while you travel. The best travel insurance for backpackers can include insurance for standard backpacker activities like snorkeling, and hiking, but always make sure your plan includes the activities you’re interested in!

Depending on the travel insurance company you choose, age limits may apply. This is common for both standard travel insurance, as well as health insurance you buy when already on a trip. There are some travel insurance policies with no age limit, but some insurance policies have age limits as low as under 60 years of age. Read the fine print to make sure you qualify.

Pre-existing medical conditions

Just like standard travel insurance, depending on the plan you choose, you may also not be covered for pre-existing medical conditions. Of course this depends on your policy, as some travel insurance policies do cover some pre-existing medical conditions like stable high blood pressure.

It’s very important that no matter whether you’re buying your travel insurance before you leave or while you’re already on the road, to always tell your travel insurer about any pre-existing medical conditions when you buy your policy. Otherwise, you might be surprised when you submit your bills that they’re declined.

If you’re over the age of 60, pre-existing conditions get more common, and also more complex. We get a lot of questions from Canadian seniors heading south in the winter (called snowbirds) about pre-existing conditions and travel insurance. However, any good snowbird travel insurance coverage should include pre-existing conditions – just be sure to check your policy to make sure that you’re covered.

Tip: Always check your travel insurance policy to know exactly what your coverage offers, and if there are any exemptions. At the end of the day, your policy is your contract and generally supersedes everything else.

It’s probably non-refundable

Of course, each insurer is different, buy many travel insurers don’t offer you a cooling off period if you buy travel insurance once you’ve already left your home country. Instead, these policies are typically non-refundable. If you have any doubt, check your own policy to make sure.

Need some more help?

Have you ever wondered “ do I need travel insurance “?

If you’re a Canadian, and looking for travel insurance, check out our Canadian travel insurance review .

Have you bought travel insurance whilst already abroad? Let us know in the comments – we’d love to hear from you!

Super helpful info! I wonder why companies make it so difficult to get insurance once your’re abroad. Sadly could have saved over $100CAD by getting it when I was still in Canada, but plans change. Thanks for this info 🙂

Lynne, they probably do that to make sure you aren’t already hurt once abroad. They know that if you’re still in Canada you’ll likely get it taken care of here for free but they have no way of knowing that you didn’t hurt yourself once you were gone and wanted to now get travel insurance to cover you not getting it in the first place.

Hello, I am a healthy 70 year old Canadian and forgot to get travel health insurance before flying to Florida. I would like to get insurance for approximately 46 days. Can you please recommend companies that will do this. Many thanks

How can I extend my travel insurance?

If you decide to extend your journey and wish to be insured for longer than the original period, you will need to purchase a new policy before the expiry date shown on your original policy’s Confirmation of Coverage.

However, coverage might not be available if you, your travel companion or a family member suffers a medical condition or injury during your first coverage period or for pre-existing conditions that previously required a medical assessment. Also, if you’re over a certain age, there might be age restrictions for some types of policies.

As general advice, we recommend that you contact your insurer as soon as you know that you'll be travelling longer than expected and to check if you will be able to purchase another policy for the additional dates when you will be travelling.

Travel Advice
General Information

What if I need to extend my travel insurance policy?

Last Updated: March 11, 2013 November 17, 2023

Travel insurance policies are designed to cover travelers from the day they leave home until the day they return home. Typically, once the traveler begins a trip, changes cannot be made to a policy. However, many travelers question whether their coverage will extend if an unforeseen event like a flight delay or illness prevents them from returning home as scheduled.

Many single trip travel insurance plans will extend automatically if a trip is prolonged beyond the period of coverage for a reason outside the traveler’s control. In most cases, coverage will extend for seven days or until the traveler returns home, whichever comes first.

If travelers choose to extend their vacation beyond the originally scheduled return date by choice, they may not have the option to extend their coverage unless their policy is renewable. This is usually only available with international medical plans.

Renewable plans allow travelers to purchase additional amounts of coverage as long as they do so before the policy is set to expire. Travelers should keep in mind, however, that some plans require a minimum initial purchase period and may also have a maximum amount of time for which coverage can be purchased. For example, the Safe Travels International plan from Trawick International allows travelers who purchase a minimum of three months’ coverage to renew their policies as long as the total period of coverage does not exceed 24 months.

Travelers should refer to their specific policy’s description of coverage to determine if plans can be extended or renewed. Travelers should also be aware of any related requirements.

Travel Insurance After Departure

 Instant Policy Delivery

 Secure Online Purchase

 Range of Working Activities

 Six Different Policies

 Option to Extend Duration

 Cover for UK Residents

 Wide Range of Sports

 24 Hr Medical Assistance

TRAVEL INSURANCE AFTER DEPARTURE

Are you looking for travel insurance but you’ve already left home? It is a condition of most travel insurance policies in the UK that you have to have purchased a policy before you’ve left home, with the start date of your trip needing to match your UK departure. However, there are many circumstances where travellers can find themselves already abroad with no travel insurance, and it can be a real problem to arrange cover when this happens.

The main reason that most travel insurance companies will not issue cover after a departure is that it is quite common for people to not purchase insurance but then encounter a problem on their travels. They will then try to put travel insurance cover in place in an attempt to make a fraudulent claim. Unfortunately, this makes it difficult for those who genuinely find themselves in a situation with no cover and a need to purchase immediate travel insurance.

But, have no fear, as here at Navigator Travel Insurance it is possible to purchase post-departure travel insurance in the UK. For those hoping to learn more about the conditions of buying travel insurance when already travelling, our experts have composed this article and are on hand to talk you through it.

POLICIES FOR TRAVEL INSURANCE AFTER DEPARTURE

The only already abroad travel insurance sales that we can make after you have left the UK (or EU) are the Single Trip Short Stay and Single Trip Long Stay versions of the Navigator Silver, Navigator Gold, and Navigator Diamond policies. This doesn’t apply to the Annual Multi-Trip option offered on these policies.

IMPORTANT CONSIDERATIONS WHEN PURCHASING POST-DEPARTURE TRAVEL INSURANCE IN THE UK

Whilst we do offer travel insurance for already travelling individuals on our aforementioned policies, several considerations need to be made before choosing the right policy for you:

THERE IS A 25% SUPPLEMENT FOR AFTER-DEPARTURE POLICIES

With our post-departure travel insurance policies, a 25% supplement will be added on top of the usual travel insurance policy fees. This will be applied automatically when you select “After-departure cover” on the options page of our website. We cannot offer cover if you are currently in a country against the Foreign, Commonwealth, and Development (FCDO) advice.

In the UK, you must consider the UK’s FCDO advice before you choose to travel to any destination. If the FCDO has travel advice in place which states that it “advises against all or all but essential travel”, our post-departure travel insurance policies are not valid. This same condition applies to many travel insurance policies from other providers.

HOW TO PURCHASE OUR AFTER-DEPARTURE TRAVEL INSURANCE POLICIES

When you’re purchasing our travel insurance policies, you will be offered a tick box option for “already departed cover”. You must tick this box to gain travel insurance whilst already travelling. When you tick this box, it will automatically increase the cost by 25%, which is the after-departure supplement that we previously mentioned.

If you are not offered this tick box option for “already departed cover”, you are not buying the right policy and it will be invalid. Navigator Silver, Navigator Gold, and Navigator Diamond Single Trip or Long Stay travel insurance policies are the only policies that will offer you this tick box and therefore offer you cover when you’re already travelling.

ANNUAL MULTI-TRIP POLICIES ARE INVALID IF PURCHASED AFTER DEPARTURE

If you are buying post-departure travel insurance online, you will be offered Annual Multi-Trip, Single Trip, and Long Stay policies to choose from. As previously mentioned, ignore the Annual Multi-Trip policy option as these can’t be purchased after departure.

Travel insurance policies issued after departure always exclude any claim that arises from any situation such as illness, theft, or otherwise that predates the date of inception of the policy. This seems obvious, but it is emphasised to ensure that it is understood that insurance cannot be arranged retrospectively or backdated in any way, and claims will not be considered if the incident or illness giving rise to the claim predates the policy issue.

POST DEPARTURE TRAVEL INSURANCE DURATIONS

The already travelling insurance policy that you buy must match the overall duration of the trip that you are on. The Single Trip option is only for trips that do not exceed 62 days from the date that you left home. If your overall trip is going to be longer than 62 days from the date that you left home, you must select our Long Stay policy option, otherwise, the policy will not be valid.

ALREADY DEPARTED TRAVEL INSURANCE COVER: THE CONDITIONS

There are some conditions that you need to be conscious of when booking your post-departure travel insurance policy. When ticking the “already departed cover” box before buying your chosen policy, you are accepting the following special conditions for policies commenced after departure from the UK or your country of residence in the EU/EEA. Please read these conditions very carefully and make sure that you are aware of the implications:

Already abroad travel Insurance cannot be assigned a start date that is the same day that you purchased the policy, it must be dated for the next day or later.
If there has been a gap of more than seven days in which you have been uninsured between the expiry of your last policy (if applicable) and the start of your chosen already travelling travel insurance, there will be a 14-day waiting period for the start of your illness cover. However, this 14-day period starts counting from the day you buy the policy (the issue date). this means that if you can buy it 14 days before you need cover to start, the 14 days will have lapsed by the time you need the medical cover. This delay does not apply to accident or injury cover, but only illness cover. This condition will not apply if there has been no gap between your previous cover and this one, or the gap is not more than seven days. It will also not apply if you only left the UK in the last seven days.
Policies started after departure will not cover claims arising from any known situation, including pre-existing medical conditions. There are no exceptions to this condition for our already travelling insurance policies.
By purchasing post-departure travel insurance with us, you are agreeing that you are not aware of any circumstances that are likely to give rise to a claim.
The 14-day ‘cooling-off period’ that we offer for our immediate travel insurance does not apply to policies that start after departure. So, once you have purchased this policy it is non-refundable.
The Navigator Silver, Navigator Gold, and Navigator Diamond policies are only available to people who are normal residents of the UK or EU. If your normal place of residence is not in the UK or EU, you cannot use these policies. Residents of some other countries may be able to use our Global Voyager policies as these can also be started after departure with the same conditions, but are available to residents of many more countries.
The overall period of your trip outside of your home country must not exceed the policy maximum for your age, including any period of insurance under this policy. In the event of a claim, you will be required to provide evidence of the day you first left your home country. Maximum overall durations for ages are as follows:
Ages 18-59: 18 months
Ages 60-74 (Anywhere): 62 days
Ages 75-84 (Europe): 62 days
Ages 75-84 (Worldwide): 31 days
Ages 85 or over (Anywhere): 31 days

These are the maximum overall durations from when you left your home country until your return home. We cannot issue cover if your overall duration away from home will be longer than the above limits.

If you are unsure about any of these conditions or the post-departure travel insurance policies that we offer, do not just buy a policy from our website. We are on hand to answer any queries you have, so if in doubt you can always contact us on 0161 973 6435 or by email at [email protected] and we will answer any questions you may have.

WHY CHOOSE NAVIGATOR TRAVEL INSURANCE

The fact of the matter is that a lot of travel insurance providers will not offer you travel insurance when abroad because of the risk of fraud that this holds. The insurance providers that do offer instant travel insurance, should you need cover last-minute whilst you’re on your travels, are specialist insurers.

These specialist providers are knowledgeable and reliable, meaning you can trust them should you need to claim in the instance of an accident, loss, or emergency.

Navigator Travel Insurance is one of these specialist insurance providers, as we offer several post-departure travel insurance policies to our customers. This opens up the opportunity for those who need travel insurance while already abroad to stay protected and have peace of mind while making the most of their trips.

NAVIGATOR’S ALREADY ABROAD TRAVEL INSURANCE

At Navigator Travel Insurance, we recognise that there are often occasions when a situation can arise in which you will need immediate travel insurance cover and, in many cases, we will be able to help.

Each situation is considered on its merits and there is no hard and fast rule where we can state categorically that we can cover you. But, in an attempt to clarify, we have detailed certain situations below where we may be able to help and others where we will not:

If you have been living and/or working overseas for several years and you are arranging travel insurance policies back to back, we cannot help.
If your normal place of residence is now overseas, you cannot use our policies. You need to be paying monthly private health insurance rates in the country where you reside, which are significantly more expensive than travel insurance. In this situation, you are no longer considered to be travelling, you are living abroad.

If you are a UK or EU resident and need to start a policy from overseas whilst you’re travelling, simply follow the instructions above or contact our specialist team online now and we will consider your circumstances.

HOW TO EXTEND YOUR EXISTING POLICY

If the travel insurance policy that you left the UK with has lapsed because you forgot to extend it, or because the insurer will not extend durations, we may be able to help. Although, this will depend on how long you have been out of the UK in total.

It is quite common for people to inadvertently take out unsuitable policies. For instance, you may have left the UK on a long-stay trip with an Annual Multi-Trip policy, not realising that the maximum duration for an individual trip on one of these is 31 or 45 days. We can often help in these circumstances.

We often get requests from people who have been working temporarily overseas and are insured by their employer or by organisations such as BUNAC. At the end of their work period, they decide to go off travelling independently before returning to the UK and find that the insurer who has been covering them cannot extend cover once their employment contract is over. We can often help with these situations as the person is clearly and genuinely travelling, not taking up residency abroad.

Ask Us Anything

Age(s) of travellers *
Destination(s) *
Date of Departure * Date Format: DD slash MM slash YYYY
Date of Arrival Back Home * Date Format: DD slash MM slash YYYY
Message: * Ask us a question about one of our products and we'll get back to you as soon as possible.
Email This field is for validation purposes and should be left unchanged.
Travel Insurance Policies
Annual Multi Trip
Coronavirus Travel Insurance
Long Stay Travel Insurance

TRAVEL INSURANCE AFTER DEPARTURE: FREQUENTLY ASKED QUESTIONS

Whilst the above information we’ve shared about immediate travel insurance policies may have cleared up the main details you need to know, you may still have some questions that need answering before purchasing a post-departure travel insurance policy. We’ve aimed to answer some of the most frequently asked questions regarding already travelling insurance to better your understanding:

When Is The Best Time To Buy Travel Insurance?

For any destination around the world, type of trip, and duration of time that you will be travelling for, the best time to purchase a travel insurance policy is as soon as possible after booking your trip, if not at the same time.

This advice also applies if you purchase your travel insurance when you’re already abroad. The sooner you buy travel insurance when already overseas, the sooner you will have the peace of mind of knowing that you are covered in the event of an injury, accident, or emergency.

Can I Buy Travel Insurance At The Airport?

Given the terms and conditions of our travel insurance when already abroad policies, it is possible to purchase travel insurance at the airport. If you purchase our policy online or over the phone, you may be able to secure the appropriate cover for you just before you board a flight or after you’ve landed. But, as previously stated, this will depend on specific conditions and will be evaluated on a case-by-case basis.

For other insurance providers, the cut-off points can vary for providing travel insurance to travellers. For example, if you’ve gone through customs, you may not be able to receive cover for your trip.

How Long Does It Take To Get Travel Insurance?

It’s possible to get travel insurance last minute to ensure that you receive the cover you need whilst travelling as soon as possible. Although, there’s always a chance that when you purchase your travel insurance policy you may encounter delays in your policy providing you with cover. This applies in the case of our travel insurance whilst already abroad policies, as it can take 14 days to offer you illness cover, as mentioned in this article.

What Does Last-minute Travel Insurance Cover Me For?

Much like any travel insurance policy, a plan purchased last-minute will typically protect you in the case of medical emergencies and injuries; unexpected events which cause delay; cancellation; repatriation; and lost, damaged, or stolen luggage.

It is possible to purchase travel insurance after departure last minute, and the cover that you will be offered will encompass the aforementioned factors.

When Does Travel Insurance Start and End?

Normally, you can arrange for the exact date that your travel insurance starts to align with when your trip abroad begins. You can also assign the date for your arrival back home to be the end date of your travel insurance policy.

However, in the case that you purchase travel insurance when already abroad, your travel insurance will start the day after or further in the future from when you purchased the policy. Certain aspects of your cover, such as medical cover, will apply after your 14-day waiting period, as previously outlined in this article, so this is worth bearing in mind.

GET IN TOUCH WITH US FOR YOUR AFTER-DEPARTURE TRAVEL INSURANCE NEEDS

Some people simply forget to arrange cover or may have thought someone else had done this on their behalf before their travels. Suddenly, they may realise they have arrived at their destination without a travel insurance policy. Here at Navigator Travel Insurance, we can usually issue cover for you in this situation and are on hand to offer you guidance and support.

You can find out more information about our travel insurance policies on our website . Should you need any additional insight before booking your post-departure travel insurance for your next trip, be sure to contact our team of specialist advisors now who will be happy to help you.

Travel Insurance

Holiday Travel Insurance
Destinations

Other Information

About Us Important Info – Please Read! Travel Insurance After Departure Ultimate Travel Insurance Guide FAQ Policy Wordings Medical FCA Terms and Conditions Privacy Policy Sitemap

Credit cards

View all credit cards
Banking guide
Loans guide
Insurance guide
Personal finance
View all personal finance
Small business
Small business guide
View all taxes

How to Find the Best Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days.

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

Age Restriction Error

We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.

Get a Quote

Get Cover if Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK. Just follow the Quote form to get a price and complete your purchase.

Extend your Travel Insurance

If at any point you realise you're not quite ready to return home, you can extend your insurance to include the remainder of your trip. Even if you don't have a Policy with us.

Working while abroad

Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Pack can cover you.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose.

Cover for 156+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.

Cancellation & Baggage Cover

24 hour emergency helpline, up to £10m medical cover, claim while you're travelling, already travelling insurance.

It’s not uncommon for people to head off on their travels only to realise they are not insured after departure, or to find out once they are already overseas that their travel insurance is about to run out. But don’t fret, Big Cat can still provide you with suitable already travelling insurance cover even though you’re already travelling abroad, or we can extend your insurance to cover the remainder of your travels.

Annual Multi-trip policies can not be purchased if you are already travelling.

Key features of already travelling insurance:.

Emergency Medical and Repatriation Expenses up to £10 million.
Emergency Dental Cover.
Cover duration of up to 24 months.
Baggage Cover
Gadgets & Valuable Cover
One Way Travel.
No return ticket requirement.
Free Home visits.
Policy Extensions whilst still travelling.
156+ Sports and Activities.
Winter Sports Cover.
Loss of Passport & Visa replacement costs.

Some FAQ's:

Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.

If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.

When riding, you must always ensure you:

Wear an appropriate crash helmet.
Obey the Local road rules and laws
Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike. We cannot cover any participation in competitions or racing or any kind.

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.

Yes, bar work or working in a chalet is automatically covered with all of our policies.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

Are there other conditions that apply to my EARLY RETURN REFUND?

Only applicable to 24 month IEC policies.
We are not able to offer refunds to cover the first 6 months of the policy.
No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388) is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services. All rights reserved.

A fantastic plugin that allows you to display age restriction message to the visitors while visiting site

List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

You are about to leave the site, this text will be refined later.

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..

In this guide

Travel insurance with extension options

Extending your travel insurance: a few tips, what is excluded when i extend my policy, what if i'm forced to extend my trip for reasons i can't control, get quotes for travel insurance with extensions available, frequently asked questions.

Destinations

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.

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.

Note: This information was last updated July 2022

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 .
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.

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

Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Can I extend my annual multi-trip policy?

Unfortunately not. When you purchase an annual multi-trip policy, you nominate a maximum trip duration which determines your premium. While you may be willing to pay for the extra days of cover, most brands will not allow this.

Can I extend my policy before I depart for my trip?

Absolutely. If you're within the cooling off period, it might even be easier to cancel your existing policy and take out a new one.

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.

More guides on Finder

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 likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

More From Forbes

Is travel insurance refundable here’s everything you need to know.

Share to Facebook
Share to Twitter
Share to Linkedin

Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

Apple iOS 17 5 Major iPhone Software Release Should You Upgrade

Baby reindeer piers morgan seeks richard gadd for interview after real martha appearance, if you feel out of place at work here are five strategies for success.

But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

Editorial Standards
Reprints & Permissions

Join The Conversation

One Community. Many Voices. Create a free account to share your thoughts.

Forbes Community Guidelines

Our community is about connecting people through open and thoughtful conversations. We want our readers to share their views and exchange ideas and facts in a safe space.

In order to do so, please follow the posting rules in our site's Terms of Service. We've summarized some of those key rules below. Simply put, keep it civil.

Your post will be rejected if we notice that it seems to contain:

False or intentionally out-of-context or misleading information
Insults, profanity, incoherent, obscene or inflammatory language or threats of any kind
Attacks on the identity of other commenters or the article's author
Content that otherwise violates our site's terms.

User accounts will be blocked if we notice or believe that users are engaged in:

Continuous attempts to re-post comments that have been previously moderated/rejected
Racist, sexist, homophobic or other discriminatory comments
Attempts or tactics that put the site security at risk
Actions that otherwise violate our site's terms.

So, how can you be a power user?

Stay on topic and share your insights
Feel free to be clear and thoughtful to get your point across
‘Like’ or ‘Dislike’ to show your point of view.
Protect your community.
Use the report tool to alert us when someone breaks the rules.

Thanks for reading our community guidelines. Please read the full list of posting rules found in our site's Terms of Service.

New Caledonia

Political unrest has escalated this week, with political demonstrations and protests occurring in New Caledonia and a state of emergency being declared in New Caledonia on Wednesday 15 May 2024. A curfew is in place for the Noumea metropolitan area between 6PM and 6AM and local authorities have advised to strictly limit movement throughout the day.

The La Tontouta International Airport has closed and flights have been cancelled until at least Friday 17 May 2024.

The Australian Government have now raised their warning level to 'Exercise a high degree of caution' in New Caledonia overall due to protests and travel disruptions and 'Reconsider your need to travel' in metropolitan Noumea and the RT1 road to La Tontouta Airport due to civil unrest, travel disruptions and limited essential services.

Are you overseas and need emergency help? If you need emergency help, contact our Emergency Assistance team.

Phone: +61 2 8320 7999
E-mail: [email protected]

The Australian Government also offers 24-Hour Consular Assistance for travellers overseas:

Phone: +61 2 6261 3305
SMS: +61 421 269 080
1300 409 322 Australian Based Call Centre

How Can I Buy Travel Insurance When Already Overseas

Already left the country without travel insurance? Fast Cover has a policy to cover you while you travel even if you leave Australia without any travel insurance.

Buying Travel Insurance When Already Oversees

Purchasing travel insurance from Fast Cover is not restricted to when you have not yet left Australia. We offer policies to people who have already embarked on their journey and don’t have insurance for some reason. At Fast Cover, we understand that there are some circumstances that may lead you to taking a policy out once you have already left Australia. These may include:

Being covered by another insurance company and the policy running out
Having travel cover for the country you are travelling to but not for other countries
Not having cover for a transit country
Being covered by your credit card but wanting extra cover
Seeking cover for a specific unplanned activity like skiing for part of your trip

Getting competitively priced already overseas travel insurance is now as easy as clicking a mouse. At Fast Cover, you simply tick the appropriate answers to get an accurate quote that suits your budget.

If you are an Australian citizen, you may qualify for already overseas travel insurance with us.

All sorts of travellers - backpackers, students, families, skiers and senior citizens^ may purchase already overseas travel insurance from us. Just like most policies, there are some conditions and some eligibility criteria that needs to be met before a policy can be purchased. Please see below.

Can I buy travel insurance while I am overseas?

Australian residents can purchase an already overseas policy if they have left Australia or your travel insurance policy has expired.

You can purchase a Comprehensive, Standard Saver or Snow Sports plus policy, provided you meet the following criteria.

You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and
You are an Australian citizen or permanent resident normally residing in Australia. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing Australia); and
You hold a valid Australian Medicare card; and
You have a home to which you intend to return; and
Your trip ends in Australia; and
You are aged 65 years and under at time of purchase; and
You declare to us at the time of purchase that you are already overseas; and
We agree to issue you a policy and specify your status as 'already overseas' on your Certificate of Insurance.

Our already overseas policies are subject to:

A 48-hour no-cover period which applies to all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy).
A $500 excess for all claims.

Please note, you cannot purchase a Basics or Frequent Traveller Saver policy if you are already overseas.

Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia.

Is there a cooling off period for an already overseas travel insurance policy?

We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the policy (e.g. you have not made a claim or used your policy to obtain a visa). We have extended this money back guarantee to circumstances where you cannot go on your trip for a reason related to COVID-19 that is not covered under this policy.

If you need to cancel your Already Overseas policy, you should contact us before your cooling off period ends, and we will be able to cancel and refund the premium that you have paid, provided you haven’t made a claim or exercised any of your rights under the policy.

Please be aware, there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy .

Can I reduce the excess on an already overseas travel insurance policy?

No, you can’t reduce the excess on policies purchased while already overseas. A fixed $500 excess applies to all claims.

Can I extend my travel insurance policy if I am 80 years of age and already overseas?

We cannot extend policies to travellers who are over the age of 80 unless your trip is extended due to a claimable event, in which case your policy will be extended free of charge until you are able to travel home safely and directly or for a period of up to six months – whichever occurs first. Any extension must be approved by the Emergency Assistance team. Any persons over the age of 64 are not eligible for an already overseas policy.

What exactly am I covered for on an already overseas travel insurance policy?

When you purchase one of our already overseas policy you would be covered for the same benefits as if you purchased the policy whilst in Australia, including:

24/7 Emergency Medical Assistance
Medical Expenses
Emergency Evacuations
Overseas Emergency Dental^
Personal Liability
If your trip is disrupted
If you need to return home for reasons outside of your control
Delay of luggage^
Luggage coverage^
Travel delays ^
Alternative transport ^

Important, please read and remember

Not all situations guarantee coverage while you have already embarked on your journey. It is important to do your research to find the best level of cover for your particular trip. Though Fast Cover have different policies you can choose from, not all situations are equal and not all policies will suit your situation. If in doubt, call or email us for a comprehensive breakdown of what is covered and not covered for already overseas policies.

^ Benefits subject to limits and exclusions of the insurance policy and may vary depending on policy type. Read the Product Disclosure Statement for further details

About the author

Margretta is a content writer at Fast Cover. Having a background in Design and Fashion, Mags uses her unique flair to educate customers on travel and insurance. You can trust her. She's a 'writer'.

Need affordable travel insurance?

Travel Insurance for those who have already travelled abroad

Forgetting to book your travel insurance before you leave home it more common than you think. In the rush to get ready for a holiday, you think you have covered all the bases and then having cleared customs, picked up your bags and are making your way to your destination, someone mentions travel insurance and you think "Nooooo!" but don't worry we can help.

Travel Insurance booked within the first 7 days of your trip

We have policies that will provide full cover with no exclusions commencing the day after you purchased the travel insurance policy. This caveat is for obvious reasons and is designed to stop people insuring only once they have had an incident or injured themselves and require immediate assistance.

This option to cover you after you have departed is available to any EEA residents and for ease they are listed as residents of;

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

The policies are sold under the basis that you are registered with a doctor in your home country. All policy wordings will be in English and Claims will be settled in pounds sterling.

The maximum duration we can cover you for is 31 days skiing and that will include any days that you have skied prior to booking this insurance. So if you have been away 2 days the maximum days we can is 29 days, by which time you must have returned to the UK.

Note as well all cover starts on the day following purchase, there is no medical screening available and no 14 day cooling off period

Travel insurance booked after the first 7 days of your trip

Now the case above is for those who travelled and are taking out a policy within 7 days of leaving their home country in the EEA, however if you have been abroad more than 7 days or if you are abroad and have a policy that has expired and you need extend the cover then we too can help.

Policy will commence the day after the policy has been bought and you will be covered for all eventualities apart from illness. You are covered for accident immediately so if you fall off your bike or have a crash skiing then you are covered from the day after the policy is purchased but their is no cover for illness for the first 14 days after cover is purchased. In the policy wording an illness is defined as any disease, infection or bodily disorder which is unexpectedly contracted by you whilst on your trip or unexpectedly manifests itself for the first time during your trip. This is the only policy restriction in place for ski insurance policies bought more than 7 days after you have left home,

The policies are sold under the basis that you are registered with a doctor in your home country and that all trips will start and end at your home. All prices will be in pounds sterling, the policy wordings will be in English and Claims will be settled in pounds sterling.

The maximum duration we can cover you for is 31 days skiing and that will include any days that you have skied prior to booking this insurance. So if you have been away 10 days the maximum days we can is 21 days, by which time you must have returned to the UK

Please note that the "already abroad" options are only available for ski trips up to 31 days in duration. Any ski trip longer than 31 days cannot be booked online. Policies are available via our call centre on 0330 880 5099 subject to terms and conditions.

Getting an online Quote

As a company we use a number of insurers and they each have different approaches to medical screening. In the main their approaches have improved and we have amongst our stable of product, insurers who will cover in excess of a 1,000 medical conditions.

The fine print

Medical coverage

Limits and exclusions

(2) Cover limited to the Standard, Premier, Premier+, Voyager and Voyager+ single trip and annual multi trip travel insurance policies.

Photo: Vladimir Yaitskiy Under licence.

You are logged in as Click here to access the sales report

Oops... did you travel without insurance? Get cover with our Left UK policy 

" id="mainPhoneNumber">
Annual Travel Insurance
Cruise Travel Insurance
Family Travel Insurance
Seniors Travel Insurance
Ski Travel Insurance
Budget Direct
Fast Cover Travel Insurance
Insure4Less
InsureandGo
Simply Travel Insurance
Ski-Insurance
Travel Insurance Saver
Travel Insuranz
Wise Traveller
Zoom Travel Insurance
See more companies...
Travel Insurance Tips
Covid-19 Help
Read Reviews
Write a Review

Already Overseas Travel Insurance

Are you already overseas on holiday and forgot to buy travel insurance ? Don’t worry, you may be able to still get cover. Hurrah! We know there are many circumstances that may have led you to be out of the country without cover and fortunately, so do insurers. For example:

You simply forgot to purchase travel insurance before departing
You're on a business trip and just need cover for the personal leisure portion
You have credit card travel insurance but need cover for additional adventure activities
You had a travel insurance policy that expired because you forgot to extend it

Eligibility requirements and conditions for already overseas travel insurance varies from one insurer to the next. Depending on the insurer you choose, there may be a waiting period before your cover takes effect, and like standard travel insurance, age limits may apply. Of course you can’t get cover for mishaps or injuries that have already happened to you prior to purchasing your policy, but an already overseas travel insurance policy can make sure you're covered for the remaining portion of your adventure. Policies will usually offer very similar comprehensive cover as regular travel insurance. So what are you waiting for? Get protected!

Where can I buy already overseas cover?

If you've found yourself abroad without cover, you're not the first and won't be the last. Thankfully, the following insurers offer protection to Australians who have already left their home country.

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

WHAT DOES aLREADY OVERSEAS TRAVEL INSURANCE COVER?

Overseas medical cover

This is one of the most important features of cover. Overseas medical cover includes 24 hours a day emergency medical assistance and may cover the costs for: ambulance cover, medical evacuations, funeral arrangements, messages to family, medical and hospital bills, surgical, nursing and emergency dental treatment.

Cancellation cover

No matter how organised you are, when travelling overseas there are many events beyond your control. This covers you for costs if you suddenly find you can't go on your trip or need to cut short your trip short for some unforeseen circumstance such as illness, an accident or a death of a close relative.

Lost or damaged Luggage

These days, most of us travel with suitcases jam-packed with our belongings. Luggage and personal effects benefits cover you for reimbursement or replacement of your luggage and personal effects which are lost or stolen.

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours.

Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions for family emergency cover can apply for relatives age, medical conditions and where they live.

Personal liability

A lawsuit would certainly put a dampener on your dream holiday. Accidents happen! If you're found responsible for another person's injury while travelling you will want to be protected, personal liability bills can run into the millions.

Conditions Of An Already Overseas Policy

Who can buy? - You must be an Australian citizen or resident in order to buy a policy. You can also normally buy it if you are on a 457 working visa, a spousal visa or skilled working visa. However cover is not available to those in Australia on working holiday visas.
Homeward bound – You must have a booked return trip and be travelling back to Australia in order to buy this type of cover.
Waiting periods - You may not be able to claim for any medical incidents in the first few days of your cover - this is known as a waiting period. A waiting period exists to protect insurers from those who've not bought insurance and then decide they need it later. Usually due to accident or illness and not wanting to pay the expensive overseas medical fees that they incur.
Age limits – Just like a standard policy, already overseas policies have age restrictions saying who can and cannot buy. Check out the age limits in the table above.
Pre-exiting medical conditions - Conditions that exist before you departed for your holiday are unlikely to be covered. Always read your insurer's policy documentation to see what conditions they cover for free. You should always tell your insurer of any pre-existing conditions when you first purchase your policy – however trivial they may seem.
Extending cover- If you’ve already bought a policy and then want to extend your trip - it’s much easier to extend your existing policy than it is to get new cover when you’re already abroad. If you’re already overseas and you either forgot to take out cover, or your previous policy has expired, know that there are options out there for you. It's not too late to take out already overseas travel insurance cover!

aLREADY OVERSEAS TRAVEL INSURANCE Faqs

Can non residents buy already overseas cover.

Most Australian insurers will only insure permanent residents or citizens of Australia when it comes to already overseas cover. If you usually live in Australia, but are not Australian and need cover when you've already departed you could try insurer WorldNomads as they do not mind what country of residence their customers are from.

What if I have an accident - does a waiting period still apply?

Not always. Some insurers do not apply a waiting period if you suffer an unexpected accident on your holiday - in this instance, your cover for medical bills will kick in straight away. Make sure you read the PDS to check.

Does already overseas cover have age limits?

Yes, each policy varies so it's wise you read the Product Disclosure Statement to see what age they cover up until before you purchase. From the insurers we have compared, the age restrictions vary from under 59 years to under 90 years.

Does already overseas travel insurance cover repatriation if I need to be brought back to Australia?

In most cases, already overseas cover is the same, or very similar as travel insurance you purchase from within Australia for trips going internationally. In most cases medical emergencies, medical expenses and your medical evacuation is covered to ensure your safe passage back to your home in Australia.

OTHER HANDY Tips & Guides

One way travel insurance

Heading on an adventure with no return date? Get one way travel insurance for your trip. Find out who you can buy it from right here.

backpacking cover

Are you already overseas traversing the globe and can't possibly fathom the idea of coming home? Learn about cover for backpackers on a budget.

Best travel insurance

In a market full of insurers, how do you really know which is "best"? We reveal what to look out for to make sure you're getting a cracker!

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590. Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

Loading Quotes...

Please login or register to continue. It'll only take a minute.

There was an error logging in, please try again.

Enter your email and password

There was an error on your registration, please try again.

Don't you have an account?

Just checking you are a human

IMAGES

Travel Insurance Explained
Travel Insurance Explained
What is Travel Insurance and Who Should Get It?
The Simple Guide to Travel Insurance
Why You Need Travel Insurance & Types of Travel Insurance
Complete Guide to Travel Insurance Claim: Process, Applicability and Forms

VIDEO

travel insurance funny ad
😂 WHEN YOURE AFLAC LIFE INSURANCE POLICY EXPIRES #shorts #cod #callofduty #youtube
Is Travel Insurance Necessary for the First Few Weeks?
Famous DOP Senthil Wife Ruhee Passed Away
CANADA BIG NEWS UPDATE: CONSEQUENCES if my PR CARD EXPIRED while I am outside Canada?
Get Ready with GInsure Travel Insurance

COMMENTS

Already Travelling & Abroad Travel Insurance
With True Traveller, you can take out insurance to cover you if you've already started travelling and already overseas. The main point to note is that you can only take out the insurance on the basis that no incidents have already arisen that might give rise to a claim. So, if you lost your camera yesterday, you can't take out this ...
Post-Departure Travel Insurance
The OneTrip Emergency Medical Plan, Allianz Global Assistance's post-departure travel insurance plan, is designed for international travelers who don't need to cover the cost of their pre-paid travel expenses. Here are a few examples. A travel agent living in Miami is taking a free, week-long Caribbean cruise, compliments of the cruise line.
Already Departed Travel Insurance
Voyager Plus Already Departed Cover. If you are already abroad, Travel Insurance with Voyager Plus could be the right way to go for you. Our Already Departed Cover is available on both Single Trip and Long Stay policies and provides up to £10,000 Curtailment cover should you need to end your trip early, up to £10 million Emergency Medical ...
How To Buy Long Term Travel Insurance
After a lot of research, I found that an annual travel insurance policy fit my family's needs—an AllTrips Executive Plan from Allianz Travel. It offered higher coverage for things like ...
Can I Buy Travel Insurance If I'm Already Abroad?
World Nomads offers simple and flexible travel insurance. Buy at home or while traveling and claim online from anywhere in the world. Yes, you can buy travel insurance if you're already abroad. Whether you forgot to buy before you left or if your trip is extended or changed, we tell you how.
Forgot to Buy Travel Insurance? You Can Buy After Departure!
With all the excitement of packing your bags, jumping on a plane, and jetting off to a faraway destination, travel insurance may be the last thing on your mind. You may be asking yourself "Can I buy travel insurance after departure?". The answer is yes! If you've left home without travel insurance or your policy has run out while you're ...
How can I extend my travel insurance?
You may be able to extend your travel insurance policy while you are away. However, there are situations where you may not be able to extend your coverage. Learn what you need to know and do if you are considering travelling longer than originally planned. Call Centre 1-844-310-1578.
What if I need to extend my travel insurance policy?
Many single trip travel insurance plans will extend automatically if a trip is prolonged beyond the period of coverage for a reason outside the traveler's control. In most cases, coverage will extend for seven days or until the traveler returns home, whichever comes first. If travelers choose to extend their vacation beyond the originally ...
Travel Insurance After Departure
When you're purchasing our travel insurance policies, you will be offered a tick box option for "already departed cover". You must tick this box to gain travel insurance whilst already travelling. When you tick this box, it will automatically increase the cost by 25%, which is the after-departure supplement that we previously mentioned ...
Extending your trip and buying more travel insurance coverage
There are a few important things you should know if you want to buy more coverage while you're already traveling: Your coverage will start at 12:01 a.m. local time, the day after you purchase the policy. So if, for example, you extend your trip and want to buy a policy to cover you for an additional day of skiing or a weekend away, you need ...
How to Find the Best Travel Insurance
Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...
Travel Insurance Quotes
As the nation's original travel insurance comparison site, InsureMyTrip has over 20 years of experience connecting travelers like you with the best policy for your trip. Our simple quote process helps you choose the right coverage by comparing top plans from trusted providers. And if you need help, our licensed insurance agents can assist you ...
Already Travelling Insurance
Key Features of Already Travelling Insurance: Emergency Medical and Repatriation Expenses up to £10 million. Emergency Dental Cover. Cover duration of up to 24 months. One Way Travel. No return ticket requirement. Free Home visits. Policy Extensions whilst still travelling. 156+ Sports and Activities.
Can I extend my travel insurance policy?
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.
Travel insurance while already abroad
With World Nomads, if you live in the United Kingdom and you're 64 years or younger, you can buy a policy online, anytime, from anywhere in the world. We've designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are ...
Is Travel Insurance Refundable? Here's Everything You Need ...
That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have ...
When to Buy Travel Insurance
Key takeaways. The best time to buy travel insurance is after booking your trip. Travel insurance offers pre-departure cover for cancellations and travel changes. Single trip travel insurance cover lasts from the day you buy your policy to your return home date. You can still buy travel insurance at the last minute or even after you've departed.
How Can I Buy Travel Insurance When Already Overseas
Australian residents can purchase an already overseas policy if they have left Australia or your travel insurance policy has expired. You can purchase a Comprehensive, Standard Saver or Snow Sports plus policy, provided you meet the following criteria. You have been overseas for less than 14 days, or have been insured under a travel insurance ...
Travel insurance when already overseas
The travel insurance you get when you're already overseas typically covers the same things as travel insurance purchased before your journey - though there might be some different limits and conditions. Depending on your insurance provider and your level of cover, you could be covered for: Overseas medical expenses. Lost and damaged luggage.
Already abroad
Please note that the "already abroad" options are only available for ski trips up to 31 days in duration. Any ski trip longer than 31 days cannot be booked online. Policies are available via our call centre on 0330 880 5099 subject to terms and conditions.
Annual Travel Insurance Expires During Holiday
Thanks for this thread. My annual Worldwide ends on 31 December, and I've already got a holiday booked in Mexico commencing at the end of January 2021. I'll give Nationwide a ring shortly. This discussion has been closed. I have an annual travel insurance policy I took out last year. It expires the day after we travel out on our next holiday.
Can I buy a travel insurance policy if I'm already overseas?
Yes, you can buy a World Nomads policy when already overseas. You can be travelling anywhere in the world and still buy a policy. You don't have to be at home or within your country of residence to buy this travel insurance. If you buy while away from home, there is a 3 day waiting period (72 hours) from the time you buy the policy until cover ...
Specialist Already Travelled Holiday & Travel Insurance if you've
This is where we can step in and look to offer cover despite you already being outside of the UK. Left the UK cover is available for up to 365 days, providing you are under the age of 65. The following restrictions will apply for over 65's: 66 to 69 years: 93 days. 70 to 74 years: 62 days. 75 to 79 years: 31 days.
Already overseas and need travel insurance?
48 hours. Australian residents, who usually live in Australia, can purchase if your trip commences overseas and ends in Australia. Cover cannot be purchased if you have been overseas less than 14 days, or your current policy has expired for no more than 14 days. A $500 excess applies for all claims.

Save Money with Post-Departure Travel Insurance

Get a Quote

Age of Traveler

Share this Page

Popular Travel Insurance Plans

Return To Log In

3 popular European road-trips for autumn

Brexit and Your Travel Insurance

Already Departed Travel Insurance – What you need to know.

What is Already Departed Cover?

When Would I Need Already Departed Insurance?

Are there any restrictions in place for Already Departed Cover?

Voyager Plus Already Departed Cover

Get 10% off Already Departed Cover for a Limited Time!

Other Related News Articles...

Can I Buy Travel Insurance If I’m Already Abroad?

Can I buy travel insurance if I’m already abroad?

World Nomads

Waiting periods before coverage starts

Travel insurance coverage for people already abroad

Pre-existing medical conditions

It’s probably non-refundable

Need some more help?

Leave a Reply Cancel reply

How can I extend my travel insurance?

What if I need to extend my travel insurance policy?

Travel Insurance After Departure

TRAVEL INSURANCE AFTER DEPARTURE

POLICIES FOR TRAVEL INSURANCE AFTER DEPARTURE

IMPORTANT CONSIDERATIONS WHEN PURCHASING POST-DEPARTURE TRAVEL INSURANCE IN THE UK

THERE IS A 25% SUPPLEMENT FOR AFTER-DEPARTURE POLICIES

HOW TO PURCHASE OUR AFTER-DEPARTURE TRAVEL INSURANCE POLICIES

ANNUAL MULTI-TRIP POLICIES ARE INVALID IF PURCHASED AFTER DEPARTURE

POST DEPARTURE TRAVEL INSURANCE DURATIONS

ALREADY DEPARTED TRAVEL INSURANCE COVER: THE CONDITIONS

WHY CHOOSE NAVIGATOR TRAVEL INSURANCE

NAVIGATOR’S ALREADY ABROAD TRAVEL INSURANCE

HOW TO EXTEND YOUR EXISTING POLICY

Ask Us Anything

TRAVEL INSURANCE AFTER DEPARTURE: FREQUENTLY ASKED QUESTIONS

When Is The Best Time To Buy Travel Insurance?

Can I Buy Travel Insurance At The Airport?

How Long Does It Take To Get Travel Insurance?

What Does Last-minute Travel Insurance Cover Me For?

When Does Travel Insurance Start and End?

GET IN TOUCH WITH US FOR YOUR AFTER-DEPARTURE TRAVEL INSURANCE NEEDS

Travel Insurance

Other Information

Credit cards

How to Find the Best Travel Insurance

What travel insurance covers

Travel medical insurance

International travel insurance

Trip cancellation, interruption and delay

Baggage and personal belongings

Emergency medical assistance, evacuation and repatriation

24-hour assistance

Accidental death and dismemberment insurance

Rental car coverage

A note about single vs. long-term policies

Travel agents and travel reservation sites

Travel insurance comparison sites

Travel insurance companies

Squaremouth

TravelInsurance.com

InsureMyTrip

Keep reading

How to maximize your rewards

Where do you live

Can I take out this insurance if I am already travelling?

Definition of a couple

Annual Multi-Trip Durations

One Way Trip

Select the type of policy most suitable for your needs.

Geographical Areas

Where you normally reside

Age Restriction Error

Get a Quote

Get Cover if Already Travelling

Extend your Travel Insurance