can you get travel insurance after leaving

June 1, 2020

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Can I Buy Travel Insurance After Departure? [Costs, Coverage, and More]

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Limitations of Post-Departure Travel Insurance

Costs of post-departure travel insurance, medical-only travel insurance after departure, pros of buying travel insurance after departure, cons of buying travel insurance after departure, when is it too late to buy travel insurance, final thoughts.

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The best time to buy travel insurance is shortly after you book your travel, but it’s still a good idea to buy travel insurance even if you’ve already started your trip.

While your coverage and policy options will be more limited than they would have been if you’d purchased travel insurance at — or soon after — booking, you can still get great travel insurance coverage when you’re already abroad.

Let’s explore your travel insurance options after departure and what’s covered.

How To Get Travel Insurance When You’re Already Abroad

You can buy travel insurance after departure. The trick is finding a travel insurance company that offers a post-departure policy . Most travel insurance companies only allow travel insurance purchases up to the day before departure. 

Still, some reputable travel insurance companies, such as Allianz Global Assistance and World Nomads , issue travel insurance after departure. If you’re simply looking for travel health insurance, Genki or SafetyWing are options, too.

When you purchase travel insurance after departure, your coverage is limited. You should expect waiting periods, fewer policy choices, and less overall coverage than with travel insurance you buy at or shortly after booking.

Generally, post-departure travel insurance coverage focuses on medical emergencies , not trip cancellation or interruption benefits. And you’re not likely to get coverage for preexisting conditions, as most travel insurance companies only cover preexisting conditions if you buy coverage shortly after you start booking your trip.

How much you’ll pay for post-departure travel insurance depends on the travel insurance company, policy, coverages, and risk factors such as your age and destination. Expect to pay about $45 for a month of travel health insurance and $100 or more for a comprehensive travel insurance policy that includes trip interruption, emergency medical, and other travel insurance benefits.

Options for Post-Departure Travel Insurance

Comprehensive post-departure travel insurance plans are hard to come by, but you can generally get medical emergency travel insurance after your trip departure. Consider these post-departure travel insurance options:

The only comprehensive post-departure travel insurance plan we could find is with World Nomads. With a World Nomads Explorer or Standard plan, you can get coverage for trip cancellation or interruption, emergency medical treatment or evacuation, baggage delay or loss, rental car damage, a 24-hour travel assistance hotline , and more.

While World Nomads offers comprehensive post-departure travel insurance, some benefits have a waiting period. For example, you may have to wait up to 24 hours for your trip cancellation benefit to become effective. However, you’re usually covered right away for medical benefits.

Allianz Global Assistance, in comparison, offers the OneTrip Emergency Medical Plan , which doesn’t insure the cost of your trip but offers emergency medical expense benefits and other post-departure coverages. Additional coverage benefits include trip delays, missed connections, baggage delays, and 24-hour emergency assistance.

Once you’ve reached your destination, you may be less concerned about trip cancellation but still want coverage for medical emergencies. You can get post-departure travel health insurance from providers including Genki and SafetyWing.

Genki’s travel health insurance is a monthly insurance subscription for up to 2 years designed for frequent travelers . With no citizenship or residency requirements, all travelers up to age 69 can get a Genki Explorer travel health insurance policy — even if you’re already traveling.

A Genki Explorer plan offers coverage for medical treatment, including emergency medical transportation and sports injuries, and limited dental and mental health treatment. However, there are exclusions : preexisting conditions, dangerous activities, professional sports, consequences of drug or excessive alcohol consumption, active participation in war, and medical tourism. There is no coverage for trip cancellation, interruption, flight delays, lost luggage, or other common travel insurance benefits beyond medical coverage.

Similar to Genki Explorer, SafetyWing’s Nomad Insurance is good for 28 days at a time and is available for travelers up to 69 years old. You can buy it whether you’re at home or already traveling. You’re covered for medical costs anywhere outside of your home country except for sanctioned areas or countries.

SafetyWing Nomad Insurance covers unexpected illnesses or injuries, including eligible expenses for hospitals, doctors, and prescription drugs. It doesn’t cover routine checkups or preventive care, but it offers emergency travel-related benefits such as evacuation from local unrest, unplanned overnight stays, and lost checked luggage. 

Check your credit card’s travel insurance benefits. While credit card travel insurance generally offers limited coverage benefits when compared to comprehensive travel insurance plans, your credit card’s travel protection benefits may be competitive with post-departure travel insurance options.

Why It Might Make Sense To Buy Travel Insurance After Departure

Though it’s best to buy travel insurance soon after you book, and ideally before your trip starts, you can still get a lot of value from post-departure travel insurance. 

One of the most valuable aspects of travel insurance is coverage for medical emergencies , a benefit you’ll get with post-departure travel insurance. You can also take advantage of the insurance policy’s emergency medical evacuation benefit if you need it. And your post-departure travel insurance policy may offer additional benefits such as lost or delayed baggage coverage and 24-hour emergency assistance.

• You can still get valuable travel insurance coverage
• Costly emergency medical expenses are covered
• Some benefits are immediately active
• Waiting periods before some coverages become effective
• No pre-departure benefits, including trip cancellation coverage
• No time-sensitive benefits such as a preexisting condition waiver or cancel for any reason coverage

As long as you’re on your trip, you can benefit from buying travel insurance. For example, if you’ve reached your destination, you might not benefit from trip cancellation coverage anymore, but you can still use your emergency medical benefits.

If you’re already on your trip and start to feel ill, then yes, it’s probably too late to get travel insurance that covers medical expenses for your illness. Or if you’re in the last few days of traveling and nearly home, you might decide it’s not worth having coverage for a short period — especially if insurance waiting periods limit how much time you’ll have active coverage.

Buying travel insurance soon after you book your travel gives you the most policy options, comprehensive coverage, and time-sensitive benefits. But if you’re already traveling and want to add travel insurance coverage, you still have worthy options, especially for emergency medical expenses.

Getting travel insurance post-departure is still a good idea because it can protect you during unexpected emergencies. But coverage limitations and waiting periods may apply, so be sure to read the fine print to understand what’s covered or not. And if you primarily seek emergency medical coverage, post-departure travel insurance can be valuable.

Frequently Asked Questions

When is it too late to buy travel insurance.

For some travel insurance providers, it’s too late to buy travel insurance once your trip has started, as many only allow you to purchase travel insurance up to a day before departure. However, some travel insurance companies do offer post-departure policies.

When should you buy travel insurance?

Buying travel insurance immediately after booking your trip is best, as you’ll have the most coverage options and can maximize your trip cancellation benefits the sooner your trip is covered.

Is it best to buy travel insurance before or after you book?

Buying travel insurance after booking is best, as most travel insurance companies ask about your first trip deposit when you get a travel insurance policy quote. You’ll need to know or at least be able to estimate your total travel costs to get coverage, and it’s easier to do so after you’ve booked travel.

Is travel insurance valid if obtained after departure?

Travel insurance obtained after departure is valid but usually limited compared to comprehensive travel insurance policies available prior to departure. Generally, post-departure travel insurance is limited to medical emergencies and related expenses rather than trip cancellation benefits.

How late can I buy travel insurance for a cruise?

Most travel insurance companies only offer policies up to the day before your cruise departure. However, some travel insurance companies offer post-departure policies subject to limitations and waiting periods.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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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

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Forgot to Buy Travel Insurance?

Don’t worry, you can still buy travel insurance when already abroad.

Forgetting travel insurance doesn’t have to be a crisis. You can buy travel insurance when already abroad . Select insurers will take the risk to cover you when you’ve already left on your trip. There are conditions, and you may pay a premium compared to travel insurance purchased in advance. But you do have options to buy travel insurance after leaving on your trip.

How To Buy Travel Insurance While Abroad

Not all insurers sell policies to people who are already traveling. But some companies do allow it. Our brokers can connect you to insurers who have post-departure travel insurance available.

Looking for International Travel & Medical Insurance?

Request a free quote and we'll guide you through the process.

Can You Add Travel Insurance Any Time?

Yes! You can buy travel insurance to improve your coverage at almost any time during your trip. Insurers who provide post-departure insurance sometimes offer medical-only coverage. Travel that is underway doesn’t need cancellation coverage, and needs less trip coverage. If you want cover for travel cancellation and other travel interruptions, ask for it specifically.

Is There a Time Limit to Buy Travel Insurance?

When you get a travel policy while you’re already abroad, your coverage usually starts the day after you purchase it. Again, ask your broker for help if you need coverage right away.

For the process of buying travel insurance while you’re away, give yourself half an hour in a quiet location. Have your trip information ready, and your phone or laptop charged. Your insurer will want to know about your flights, stays, and travel start dates. You will need to share an end date for your time away, or proof that you have booked your return trip. You’ll pay in full for your insurance when you buy it. If you need to extend your trip while away, you can typically extend your insurance coverage for an additional period not to exceed 365 days of total coverage.

Can You Get Travel Insurance After You Have Departed?

The short answer is: Yes you can. Many insurers provide policies that you can buy after you’ve left home for your trip. Just remember that travel health insurance that you buy after departure won’t cover anything that happened before you bought the plan. And the plan will usually provide coverage starting after a waiting period.

What if you’re traveling and you have a medical crisis, but you did not buy travel health insurance earlier? Unfortunately, once you’re sick or injured, it’s too late to get coverage.

If you purchase travel health insurance after you are already abroad, it will only cover illness or injury that happens after you purchase it. You can’t buy a plan when you get sick or injured to get those expenses covered — any medical problems from before you buy it won’t be covered. Some insurers also won’t sell you health insurance after your trip has started, or they may place limits on coverage for pre-existing conditions. Even if you’re buying medical travel insurance late, or while you travel, buy it before you need it!

What if you’re traveling with no medical insurance, or basic medical insurance, and a global medical crisis emerges, like a pandemic? Usually, you can’t add new coverage to a plan you have already purchased if you have begun to travel. In a global crisis, insurers may update their policies. As the world saw with COVID-19, a pandemic can hit your travel plans, too. Check your travel insurance to make sure that pandemic disruptions are covered.

Also Read: Reading the Fine Print on a Travel Insurance Plan

Here’s How to Buy Travel Insurance After Departure

Our licensed brokers can help you find post-departure travel insurance. Get the international travel insurance and the travel medical policy you need right away.

Can You Buy Travel Insurance for Someone Else Who Is Traveling?

Sometimes, people close to you go overseas without travel and health insurance. Fortunately, you can buy travel insurance for them, too, when they are already abroad.

Students often assume that university or family insurance covers them as they travel outside their campus abroad. But they may not be covered for travel that’s not directly related to their international education. Getting trip insurance for your traveling student can protect your family from overseas medical expenses.

Parents and older relatives might not take the need for travel insurance seriously, until they see the problems travelers face today. You may reach out to protect them by buying them travel and health insurance. While some policies may have an age limit 64 or 65 many allow you to purchase travel insurance for those that are 90 and above.

For someone else, you can add travel insurance after they book their travel. For them, you can add travel insurance after booking, but before departure. This gives them coverage at a lower cost, with more benefits.

What do you need to buy travel insurance for someone else? First, you need their itinerary: plane tickets, destinations, and travel start and end dates. You also need their contact information: home address, email, and mobile numbers. You might need more information, like pre-existing conditions, medications, or birth dates. Your insurer will tell you which information they need. With this data, insurers can help you purchase travel insurance for someone else. The insured person will get an email with their policy details, and they will be protected by the policy you bought them.

Also Read: Group Travel Insurance

What Is the Latest Date to Buy Travel Insurance for Coverage?

Is there a time limit to buy travel insurance when you are already abroad? The latest date is the date that will provide you with some coverage after the insurer’s waiting period. Most policies can go into effect as soon as the day after you purchase their policy. For example, if your flight leaves in 12 hours and you just purchased the policy – it may not cover your first day of travel. You cannot get trip cancellation coverage after you leave

If you are on your trip and a crisis that impacts your travel comes up, it is also too late to buy travel insurance. When you’re in a crisis, like a flight delay, it’s too late because your crisis won’t be covered within the waiting period. When you are in a location going through challenging circumstances — a weather emergency, political unrest — insurers won’t sell you a new policy because of your risk.

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Maximize Coverage for Travel Insurance Purchased While Traveling

Here is a final tip to help you get the most out of buying travel insurance after departure. Get your trip’s end date right to make sure your coverage is for the full length of your trip. You may feel like your vacation is over when you leave for an airport or embark on the final part of a cruise. But it’s not truly over until you arrive home safe. Until then, you need your travel and health care covered. The day and time you arrive home is the end of your trip — get coverage to include that date.

When to Buy Travel Insurance

When should you buy travel insurance? Next time do your best to get your coverage before you go. You’ll save money and enjoy more coverage benefits. The ideal time to buy your travel insurance is within 10-14 days of your initial trip deposit. Can you add travel insurance after booking? You can, at any time before you depart. Once you have your trip details squared away, contact us to secure the right travel insurance for you.

Some travel insurance benefits are only available when purchased in advance. The biggest one is trip cancellation insurance . These policies cover the cost of the trip if you can’t go. That benefit ends once you leave for your trip — because you’ve departed, you don’t need it anymore.

Best Insurance for US Citizens Traveling Abroad

A great plan for U.S. citizens traveling abroad is the Atlas Travel Insurance plan from WorldTrips.

• Emergency medical, evacuation, repatriation benefits
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Best Insurance for International Travelers

An excellent option for international travelers traveling outside of their home country.

Safe Travels International

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• Coverage from 5 days to 364 days - extensions are available

Best Insurance for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the U.S.

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Home > General Travel > Travel Insurance When Already Traveling

How to Buy Travel Insurance When Already Traveling (5 Tips)

If you're already traveling and looking to cover your butt with travel insurance, this post will help you find the right plan for the right price—or, if Step 1 of the five steps below applies to you, you may not even need to buy anything!

Cover up your mistake.

Most would agree that not buying travel insurance is a mistake. It's cheap, whereas the potential medical costs if you get hurt abroad can be enormous.

But sometimes you forget. There are a lot more interesting things to think about when planning a trip, after all.

The bad news is that if this happens to you, lots of insurers don't want anything to do with you. You're too "high risk."

The good news is some companies are more flexible and will sell you travel insurance when already traveling. Or you may be covered already and not even know it.

To find the best plan, and not make your mistake even worse by buying an invalid plan (a common error), here are five steps to follow to find the best travel insurance when you're already traveling.

5 Steps to Get the Best Travel Insurance When Already Traveling

• Check You Don't Already Have Free Insurance
• Watch Out for the Following
• Pre-Departure vs. Post-Departure Insurance
• Buy the Best-Value Plan
• Put it in Your Wallet

Step 1: Check if You Already Have Free Insurance

Before hurrying to buy travel insurance, ask yourself:

Is your credit card's travel insurance already covering you?

For example, Kim and my credit card provides 31 days of travel insurance. If we're traveling for less than that, we don't need to buy anything. And if we're traveling for more than 31 days, we avoid double-paying by buying travel insurance plans that kick in the day our credit card insurance expires.

Step 2: Watch Out for the Following

• Do you have health insurance back home? Some travel insurers won't cover you or will significantly cut back their coverage if you don't have home country health insurance. And if you get badly injured, your travel insurer will likely bring you home for treatment. Once home, you're on the hook for all medical expenses whether you have home country insurance or not.
• What's not covered? Travel insurance policies generally don't cover pre-existing or on-going medical conditions, dangerous sports, and some high-risk countries.
• Are you going to the United States? Travel insurers charge significantly more for travel in the US because of astronomical health care costs there.
• Do you still have to pay if something bad happens? Some travel insurance policies have an excess or a deductible, which is the amount you need to contribute if you make a claim.
• How much coverage do you really need? The biggest expense you risk incurring when traveling is emergency air evacuation. It can cost as much as $250,000 if you're in the middle of nowhere and they need to bring you home.
• Age matters? Yes. Once you hit 40 years old, travel insurance rates tend to go up, and once you're over 65 years old it can be very difficult and extremely expensive to get coverage.

For more boring but important info on travel insurance, see our 8 Steps to Finding the Best Travel Insurance .

Step 3: Pre-Departure vs. Post-Departure Travel Insurance

Many people make the mistake of buying pre-departure travel insurance when already traveling. Those policies are void, so if something happens, they're screwed.

To avoid a similar screw-up, be mindful of these differences between pre-departure and post-departure travel insurance:

• Most travel insurers don't offer post-departure travel insurance. They only sell pre-departure travel insurance. Call the insurer to confirm before buying any policy if you're at all unsure.
• Travel insurance when already traveling is more expensive. The few companies that will sell you travel insurance when you're already traveling generally charge a premium because you're a higher risk to them than someone who buys a policy before leaving.
• Post-departure travel insurance isn't fully refundable. You can usually get a refund on travel insurance policies you buy before you leave, but not on policies you buy when already traveling.
• You can't get trip cancellation insurance if you're already traveling. Trip cancellation insurance refunds pre-paid, non-refundable expenses if you have to cancel a trip. But some companies like SafetyWing do offer trip interruption insurance, which covers a flight to your home country if your home residence gets destroyed, there's a death in the family, or you get injured and your physician deems it medically necessary for treatment and recovery.
• There's often a waiting period if you get travel insurance when already traveling. With some insurers, you have to wait (and play it safe) 48 to 72 hours before the policy kicks in.

Step 4: Buy the Best-Value Plan You Can Find

We scoured the web for the best already traveling travel insurance and found a new startup that blows the competition out of the water.

If you find something better let us know and we'll update this post.

$US1.32/day (under 40-year-old of any nationality not traveling to the US)

• Worldwide. Aside from very few exceptions (Cuba, Iran, and North Korea) everyone can buy it no matter their home country or where they're traveling.
• Flexible timing. Unlike other policies, which require you to buy insurance for your entire trip up front, you can buy four weeks (or less) and extend (or auto-renew) as needed.
• Unlimited coverage period. Great for long-term digital nomads like us because, unlike most travel insurance policies, you can extend every year for as long as you need.
• Travel coverage. Insurance includes trip interruption, travel delay, and checked luggage protection. Other low-cost travel insurance providers often don't.
• Kids are free. One 14-day to 10-year-old child is covered for each adult without added cost.
• No waiting period . You're covered as soon as you pay.
• It's getting better. SafetyWing has announced plans to increase their limits, get rid of the deductible, and offer extreme sports add-ons. They also plan to release a comprehensive health care package.

• Not the cheapest (as long as you remember to buy before you leave). For example, the travel insurance plan we're covered by as I write this in Spain is $1.12 a day, 15% cheaper than SafetyWing.
• Low maximum limit. SafetyWing's maximum is only $250,000 (and only $100,000 for emergency evacuation), which may not fully cover worst-case scenarios in far-off lands. The industry insiders I interviewed off-the-record for my travel insurance post recommend a maximum of at least $500,000.
• $250 deductible for non-urgent medical care. Many other companies have a $0 deductible, though you generally pay higher premiums for this benefit.
• No US travel flexibility. SafetyWing's doesn't cover non-Americans traveling through the US or on short layovers there. You have to get a new policy that includes the US to be insured (though a good credit card's travel insurance should cover you).
• Not customizable. SafetyWing keeps their insurance cheap by keeping it simple, but that also means you'll have to look elsewhere if you want insurance on things they don't cover like personal electronics, travel to Iran and North Korea, and some extreme sports.

Do your future self a favor and read the full policy (PDF).

Other Companies Selling Already Traveling Travel Insurance

Shop around and see if you can find a better deal than Safety Wing for already traveling travel insurance. (If you do, please let us know!)

Here are the most popular providers of travel insurance when already traveling.

• World Nomads . Starting from $US2.78/day. Yeah, super expensive . Bloggers love to recommend these guys because they pay high commissions. But World Nomads does have a great reputation in the industry and among past customers and offers extensive coverage for activities and countries SafetyWing doesn't.
• Globelink . Starting from $US1.57/day. For UK, EU and EEA residents only.
• True Traveler . Starting from $US1.78/day for European residents. They offer a wide variety of add-ons, options, and packages.

Step 5: Put it in Your Wallet

Keep insurance contact info in your wallet.

If something happens during your trip, you, your companion, or anyone who's caring for you will then know who to call to coordinate emergency travel arrangements, doctor referrals, or claims questions or other issues.

Hopefully, it's a waste of (less of) your money!

Enjoy an injury-free trip, so all that time and money you spent on finding travel insurance doesn't get put to use.

Let us know in the comments if you have any questions, feedback, or tips of your own about buying travel insurance when already traveling.

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Disclosure: Whenever possible, we use links that earn us a cut if you pay for stuff we recommend. It costs you nothing, so we'd be crazy not to. Read our affiliate policy .

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Can You Buy Travel Insurance After Departure? ALL The Answers!

Introduction

Traveling can be an incredibly exciting and enriching experience. Whether you are jetting off to a tropical paradise, exploring ancient ruins, or embarking on a thrilling adventure, it’s essential to ensure that you have the necessary protection in place. That’s where travel insurance comes into play.

Travel insurance is a type of coverage that provides financial protection against unexpected events and emergencies that can arise during your trip. It offers peace of mind by safeguarding you against the potential risks and expenses associated with trip cancellations, medical emergencies, lost luggage, and more.

But what if you realize you forgot to purchase travel insurance before your departure? Is it still possible to buy it after you’ve already embarked on your journey? The answer is yes, with certain considerations and limitations.

In this article, we will explore the possibility of purchasing travel insurance after departure and provide you with all the answers you need to make an informed decision. We will discuss the importance of travel insurance, the factors to consider, the coverage options available, and the claim process and limitations associated with buying travel insurance after departure.

So, whether you’re in the middle of your vacation, on a business trip, or planning a last-minute getaway, keep reading to find out how you can still protect yourself with travel insurance even after you’ve set foot on your destination.

Understanding Travel Insurance

Before delving into the specifics of buying travel insurance after departure, it’s important to have a solid understanding of what travel insurance is and what it typically covers.

Travel insurance is a type of insurance coverage designed to protect travelers against a range of potential risks and uncertainties that may arise during their trip. It provides financial compensation or assistance in case of unforeseen events, such as trip cancellations, medical emergencies, lost baggage, and travel disruptions.

There are different types of travel insurance plans available, including single-trip coverage, multi-trip coverage, and comprehensive coverage. Single-trip coverage applies to a specific trip and typically offers protection for medical expenses, trip cancellations, travel delays, and lost luggage. Multi-trip coverage is suitable for frequent travelers who take multiple trips in a year. And comprehensive coverage combines the benefits of both single-trip and multi-trip policies, offering extensive protection for a wide range of potential issues.

It’s important to review the specific terms and conditions of a travel insurance policy before purchasing, as coverage can vary significantly between providers. Common policy inclusions may cover medical expenses, emergency medical evacuation, trip cancellation/interruption, lost luggage, flight delays, and personal liability. However, it’s crucial to note that travel insurance typically excludes coverage for pre-existing medical conditions, high-risk activities, and certain countries with travel advisories.

When considering travel insurance, it’s essential to assess your personal needs, destination, and the activities you plan to engage in during your trip. For instance, if you’re embarking on an adventure-filled journey involving extreme sports or if you have a pre-existing medical condition, you might want to look for specialized coverage or add-ons that cater to those specific needs.

Now that we have a clear understanding of travel insurance, let’s explore the possibility of purchasing it after departure and what factors to consider before making a decision.

The Importance of Travel Insurance

When it comes to travel, unexpected situations can arise at any time. Whether it’s a sudden illness, a canceled flight, or lost luggage, these unexpected events can turn your dream vacation into a nightmare. That’s why travel insurance is an essential component of any travel plan, providing you with the peace of mind and financial protection you need.

One of the key benefits of travel insurance is its ability to cover medical emergencies. Falling ill or getting injured while traveling can not only ruin your trip but also result in substantial medical expenses. Travel insurance typically covers medical treatment costs, emergency medical evacuations, dental emergencies, and necessary hospitalizations.

Another crucial aspect of travel insurance is its coverage for trip cancellations and interruptions. Life is full of uncertainties, and sometimes unforeseen circumstances can force you to cancel or cut short your trip. Travel insurance can reimburse you for non-refundable expenses, such as flights, accommodations, and tour packages, if you have to cancel your plans due to covered reasons, such as illness, jury duty, or a natural disaster at your destination.

Lost luggage is another common mishap during travel. Airlines misplace or lose baggage, leaving travelers without their belongings in an unfamiliar place. Travel insurance provides coverage for lost, stolen, or damaged luggage, allowing you to replace essential items and continue your journey without unnecessary stress.

Travel delays and missed connections are also frequent issues faced by travelers. Whether it’s due to inclement weather, mechanical problems, or other unforeseen circumstances, flight delays and missed connections can disrupt your travel itinerary. With travel insurance, you can be reimbursed for additional accommodation expenses, meals, and transportation costs incurred as a result of these delays.

Lastly, travel insurance offers personal liability coverage. This protects you from potential disputes and legal expenses if you are involved in an accident causing harm to someone or damaging their property. Having this coverage can give you peace of mind, especially when traveling to destinations where legal systems may be unfamiliar to you.

In summary, travel insurance is not just an optional add-on to your travel plans; it is a necessary investment in your peace of mind and financial protection. By covering medical emergencies, trip cancellations, lost luggage, travel delays, and personal liability, travel insurance provides you with the support you need to navigate any unexpected situations that may arise during your trip.

Now that we understand the importance of travel insurance, let’s address the question of buying it after departure.

Can You Buy Travel Insurance After Departure?

Life is full of unexpected twists and turns, and sometimes we might forget to purchase travel insurance before embarking on our journey. So, is it possible to buy travel insurance after departure? The answer is yes, but there are certain considerations and limitations to keep in mind.

Firstly, it’s important to note that many travel insurance providers have a cut-off period for purchasing coverage after departure. This cutoff period is usually within a specific number of days from the date of departure. Once this period has elapsed, you will no longer be eligible to purchase travel insurance for that particular trip.

However, some insurance providers offer the option to purchase travel insurance after departure, albeit with certain conditions. Generally, these options are available for travelers who forgot to buy insurance or for those on long-term trips who want to extend their coverage. It’s worth mentioning that buying travel insurance after departure is typically more expensive than purchasing it before the trip.

It’s crucial to understand that when you buy travel insurance after departure, you may not have coverage for events that have already occurred. For example, if you have suffered an injury or fallen ill before buying the insurance, those specific incidents may be excluded from coverage. However, you will still have protection for any new and unforeseen events that may arise during the rest of your trip.

It’s also important to consider that travel insurance after departure may have limitations on the coverage amount. Insurance providers may offer reduced coverage limits compared to those available for insurance purchased before departure. Be sure to review the policy terms and conditions, including the coverage limits and exclusions, before making a decision.

Additionally, some travel insurance policies may require you to undergo a medical screening or provide proof of good health in certain situations. These requirements may vary depending on the insurance provider and the duration of your trip.

Overall, while it is possible to buy travel insurance after departure, it is essential to carefully review the terms, limitations, and coverage options offered by different insurance providers. If you are considering purchasing travel insurance after departure, it’s advisable to contact insurance companies directly or consult with a travel insurance specialist to ensure you make the right decision.

Now that we’ve addressed the possibility of buying travel insurance after departure, let’s discuss the factors you should consider before making a decision.

Factors to Consider Before Buying Travel Insurance After Departure

Buying travel insurance after departure requires careful consideration of several factors to ensure you make an informed decision. While it may be a viable option in certain situations, it’s essential to assess the following factors before purchasing a policy:

• Coverage Limitations: When buying travel insurance after departure, be aware that there may be limitations on coverage amounts. Insurance providers may offer reduced coverage limits compared to pre-departure policies. It’s important to determine if these limits align with your needs and provide sufficient protection.
• Specific Coverage Needs: Evaluate your specific coverage needs based on the nature of your trip and activities you plan to engage in. Consider if you require additional coverage for adventure sports, pre-existing medical conditions, or other specialized situations. Some insurance providers may offer add-ons or specific coverage options to cater to these needs.
• Medical Screening: Depending on the insurance provider and the duration of your trip, you may be required to undergo a medical screening or provide proof of good health before purchasing travel insurance after departure. This is to assess any existing medical conditions and determine if they will be covered under the policy.
• Pre-existing Conditions: Understand that travel insurance generally excludes coverage for pre-existing medical conditions. If you have a pre-existing condition, it’s important to carefully review the policy terms and conditions to determine if any coverage is provided or if you need to seek specialized coverage elsewhere.
• Cut-off Period: Insurance providers typically have a cut-off period for purchasing travel insurance after departure. This is usually within a specific number of days from the date of departure. Ensure you are within the eligible timeframe before attempting to buy coverage after departure.
• Cost Considerations: Travel insurance purchased after departure is generally more expensive than pre-departure policies. Confirm the cost of the policy and compare it with the potential benefits and coverage offered. This will help you determine if the cost is justified and meets your budget constraints.

By considering these factors, you can make a more informed decision about purchasing travel insurance after departure. It’s crucial to review the policy terms and conditions, understand the coverage limitations and exclusions, and assess your specific needs to ensure you choose the right policy for your circumstances.

Now that we’ve discussed the key factors to consider before buying travel insurance after departure, let’s explore how to go about purchasing it.

How to Buy Travel Insurance After Departure

If you realize that you forgot to purchase travel insurance before your departure or if you’re on a long-term trip and want to extend your coverage, there are a few steps you can take to buy travel insurance after departure:

• Research Insurance Providers: Start by researching insurance providers that offer the option to buy coverage after departure. Look for reputable companies with a track record of providing reliable and comprehensive travel insurance.
• Contact Insurance Providers: Once you have a list of potential insurance providers, reach out to them directly to inquire about their policies and options for purchasing coverage after departure. Ask about their specific requirements, cut-off periods, and any additional documents or information they may require.
• Provide Trip Details: When contacting the insurance providers, provide them with essential details about your trip, such as the destination, travel dates, and any pre-existing conditions you may have. This information will help them assess your eligibility and provide you with accurate quotes and coverage options.
• Review Policy Terms and Coverage: Carefully review the policy terms and coverage options offered by each insurance provider. Consider factors such as coverage limits, exclusions, deductibles, and add-ons available. Compare the costs and benefits of different policies to choose the one that best fits your needs.
• Complete Application Process: Once you’ve chosen an insurance provider and selected the policy that suits your needs, complete the application process. This may involve filling out an online form, providing personal and trip-related information, and making the necessary payment for the coverage. Ensure that you provide accurate and truthful information to avoid any issues with future claims.
• Obtain Confirmation: After completing the application process and making the payment, you should receive a confirmation of your travel insurance coverage. Keep a copy of this confirmation with you during your trip, as you may be required to present it in case of any emergencies or when making a claim.

Remember, although it is possible to buy travel insurance after departure, it’s always advisable to purchase coverage before your trip whenever possible. This allows you to benefit from the full coverage period and ensures that you’re protected from the very beginning of your journey.

Now that we’ve covered how to buy travel insurance after departure, let’s explore the coverage options that are typically available in such situations.

Coverage Options for Travel Insurance After Departure

When buying travel insurance after departure, the coverage options available may vary depending on the insurance provider and the specific policy you choose. While the coverage options may be slightly different compared to pre-departure policies, there are key areas that are typically included in travel insurance after departure:

• Emergency Medical Expenses: Travel insurance after departure usually provides coverage for emergency medical expenses. This includes hospitalization costs, doctor’s fees, prescription medications, and emergency medical evacuations if necessary. It’s important to review the coverage limits and any exclusions related to pre-existing conditions.
• Trip Cancellation or Interruption: In some cases, travel insurance after departure may offer limited coverage for trip cancellations or interruptions. This coverage typically applies to unforeseen events that occur after you have purchased the insurance, such as a family emergency or a serious illness. Confirm the specific terms and conditions related to trip cancellations or interruptions in your policy.
• Lost or Delayed Luggage: Coverage for lost or delayed luggage is often included in travel insurance after departure. If your baggage is lost, stolen, or delayed by the airline, the insurance can reimburse you for the replacement of essential items or provide compensation for the inconvenience caused.
• Travel Delays: Travel insurance after departure may offer coverage for travel delays. This includes compensation for additional accommodation expenses, meals, and transportation costs incurred due to unexpected flight delays, cancellations, or missed connections.
• Personal Liability: Personal liability coverage is another common inclusion in travel insurance after departure. This protects you in case you cause damage to someone’s property or cause injury to someone else. It can provide coverage for legal expenses and settlement costs if a lawsuit is filed against you.
• Assistance Services: Travel insurance after departure often provides access to assistance services for emergencies. This may include 24/7 helplines, medical assistance, legal advice, and emergency travel arrangements. These services can be invaluable when you’re in an unfamiliar place and need assistance or guidance.

While these coverage options are generally available in travel insurance after departure, it’s important to carefully review the policy terms and conditions to understand the specific coverage limits, exclusions, and any additional benefits or add-ons offered by the insurance provider.

Now that we’ve discussed the coverage options available for travel insurance after departure, let’s explore the claim process and any limitations associated with it.

Claim Process and Coverage Limitations for Travel Insurance After Departure

When it comes to filing a claim for travel insurance after departure, it’s important to understand the claim process and any limitations that may apply. Here’s a breakdown of what you need to know:

1. Contact the Insurance Provider: In case of an incident or event covered by your travel insurance policy, notify your insurance provider as soon as possible. They will guide you through the claim process and provide you with the necessary information and documentation requirements.

2. Complete the Claim Form: Fill out the claim form provided by the insurance provider. This form typically requires details about the incident, such as the date, location, and nature of the claim, as well as any supporting documentation or evidence.

3. Submit Supporting Documents: Along with the claim form, you may be required to submit supporting documents to substantiate your claim. These can include medical reports, police reports, receipts, photographs, and any other relevant evidence related to your claim.

4. Provide Proof of Travel: Since you’re filing a claim after departure, you may need to provide proof of travel, such as boarding passes, hotel reservations, or any other documentation that verifies your trip and the dates of travel.

5. Coverage Limitations: It’s important to be aware of the coverage limitations that may apply to your travel insurance after departure. Certain incidents or expenses may not be covered, or there may be limitations on the coverage amount. Review the policy terms and conditions to understand the specific coverage limitations and exclusions.

6. Time Limit for Claims: Insurance providers typically have a time limit for filing claims after the incident occurs. Make sure to submit your claim within the specified time frame to avoid any potential denial of coverage.

7. Claim Resolution: After submitting your claim, the insurance provider will assess the validity of the claim and the documentation provided. Once the claim is verified, you will receive reimbursement or compensation as per the terms of your policy.

It’s important to note that travel insurance after departure may have certain limitations and exclusions. For example, if an incident occurred before you purchased the insurance or if it’s related to a pre-existing medical condition, it may not be covered. Additionally, there may be exclusions or limitations on coverage for high-risk activities or travel to certain countries with travel advisories.

Before purchasing travel insurance after departure, carefully review the policy terms and conditions to understand the coverage limitations and exclusions. If you have any questions or concerns, reach out to the insurance provider for clarification.

Now that we’ve covered the claim process and coverage limitations of travel insurance after departure, let’s explore some tips to keep in mind when buying such insurance.

Tips for Buying Travel Insurance After Departure

If you find yourself in need of travel insurance after departure, here are some helpful tips to keep in mind while making your purchase:

• Research Insurance Providers: Take the time to research reputable insurance providers that offer coverage after departure. Look for providers with positive customer reviews and a track record of reliable service.
• Compare Coverage Options: Look for travel insurance policies that provide the specific coverage you need for your trip. Consider factors such as medical coverage, trip cancellation/interruption, lost luggage, and travel delays. Compare the coverage limits, exclusions, and premiums of different policies to find the one that best suits your needs.
• Review Terms and Conditions: Read through the policy terms and conditions thoroughly. Understand what is covered, any limitations or exclusions that may apply, and the claims process. Pay attention to any pre-existing conditions, adventure sports coverage, or potential exclusions related to your specific trip or activities.
• Consider Add-ons or Upgrades: Some insurance providers may offer add-ons or upgrades to their policies. If you have specific needs, such as coverage for pre-existing medical conditions or high-risk activities, consider adding these options to your policy. However, assess the cost of these add-ons and ensure they align with your budget.
• Check the Eligibility Period: Pay attention to the eligibility period for purchasing travel insurance after departure. Ensure you are within the allowed timeframe as specified by the insurance provider. If you are unsure, contact the provider directly for clarification.
• Disclose Accurate Information: Provide accurate and truthful information about your trip, medical history, and any other relevant details. Failing to disclose or misrepresenting information could invalidate your coverage.
• Consider the Deductible: Take into account the deductible amount specified in the policy. The deductible is the amount you have to pay before the insurance coverage kicks in. Assess if the deductible is reasonable and aligns with your financial situation.
• Seek Expert Advice: If you’re uncertain about the coverage options or have specific questions, seek advice from a travel insurance specialist or insurance broker. They can provide guidance and help you choose the most suitable policy for your needs.

By following these tips, you can navigate the process of buying travel insurance after departure more effectively. Remember to read the fine print, ask questions, and ensure that the policy you choose provides the coverage you require during your trip.

Now that we’ve covered the tips for purchasing travel insurance after departure, let’s summarize the key points in this article.

Travel insurance is essential for protecting yourself against unexpected events and emergencies while traveling. While it’s always advisable to purchase travel insurance before your departure, there are still options available if you realize you forgot to buy coverage or if you need to extend your coverage while on a long-term trip.

When considering travel insurance after departure, it’s important to research reputable insurance providers, compare coverage options, and carefully review policy terms and conditions. Understand the coverage limitations, exclusions, and any requirements, such as medical screenings or proof of good health.

Keep in mind that travel insurance after departure may have limitations on coverage amounts and exclusions for incidents that occurred before purchasing the policy. It’s crucial to provide accurate information, submit supporting documents, and adhere to the specified claims process if you need to file a claim.

By following the tips outlined in this article and making an informed decision, you can still obtain valuable protection for the remainder of your trip, even if you didn’t purchase travel insurance before your departure.

Remember, travel insurance provides peace of mind and financial protection, covering medical emergencies, trip cancellations, lost luggage, travel delays, and personal liability. It’s an investment in your well-being and can help you navigate unexpected situations while enjoying your travels.

So, whether you’re in the middle of your vacation or planning a last-minute international trip, don’t overlook the importance of travel insurance. Explore the options available for purchasing travel insurance after departure, ensure you have the necessary protection, and embark on your journey with confidence.

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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.

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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 or EU. 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.

No Return Ticket Required

You don't need to know when you'll be returning home to get cover. So if you're on an open ended trip, or emigrating, we 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, travel insurance after leaving.

It’s not uncommon for people to head off on their travels without taking out insurance, 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 single trip cover even though you’re already abroad, or we can extend your existing insurance to cover the remainder of your travels.

If you purchased your original travel insurance from Big Cat and want to extend it or add activities which aren't covered in your existing policy, just go to extend your travel insurance page and fill in the form.

Please note the above information is only a summary of the cover provided.  Full details may be found in the policy document.

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

Key benefits for Travel Insurance after leaving include:

• Worldwide cover for trips up to 24 months.
• Emergency Medical and Repatriation Expenses up to £10 million on Premier policy.
• Baggage & personal effects up to £2,000.
• Gadgets & valuables cover up to £1000.
• Legal expenses up to £15,000.
• Personal money up to £500.
• Tickets up to £1,000.
• Passport and visa up to £300.
• Personal Liability up to £2 million.
• No requirement to have a pre-booked itinerary.
• Cover if you wish to undertake light-manual or volunteer work.
• Adventure activities cover with our Activity Packs.
• Facility to arrange or extend Insurance when already travelling.

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.

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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.

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Ideal timing for travel insurance purchase

Advantages of purchasing travel insurance early.

• When to buy annual travel insurance 

When is it too late to buy travel insurance?

• Frequently asked questions

When to Buy Travel Insurance: Timing Your Purchase Perfectly

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Purchase travel insurance when traveling internationally or on long and expensive trips.
• Buying travel insurance right after booking your trip is best, as some coverage options are time-sensitive.
• Cancel For Any Reason policies and coverage for pre-existing coverage require early purchase.

Travel insurance protects you against financial losses and medical emergencies while on a trip. You'll want to book travel insurance when going on long, expensive, or international trips. However, the exact timing of your purchase is also important.

Generally, you'll want to buy travel insurance soon after you book your trip to get the maximum coverage out of your policy. Here's what you need to know about travel insurance and when you should buy it.

Though you can insure your trip anytime after booking, the best time to purchase travel insurance is immediately after booking your trip.

For one, unexpected circumstances may arise between when you book your trip and when you leave. If an injury or inclement weather cancels your trip before you have a chance to purchase travel insurance, you may not get a refund. Purchasing travel insurance early reduces the chances of that happening.

Michelle Osborn, owner of boutique travel agency Outta Here Travels , says, "Most travel insurance policies have a time limit of when you can purchase to get the maximum benefits." 

It's important to note that you do not have to have every detail of your trip planned before purchasing travel insurance. Most policies are flexible, so you can add details and update your costs in the days leading up to the trip. Don't let some unplanned details in your trip prevent you from purchasing travel insurance.

When you purchase travel quickly after booking, you'll have additional coverage options.

• Purchase cancel for any reason coverage , which reimburses you for 60% to 75% of your costs if you back out on your travel plans for a reason not usually covered. CFAR policies must be purchased within 15 to 21 days of putting down the first deposit on your trip. You can find our picks for the best CFAR travel insurance here.
• Guarantee coverage for pre-existing conditions. Many travel insurers won't cover pre-existing conditions unless you purchase coverage within two weeks of booking your trip.
• Cancel your travel insurance if you're not happy with it. Most plans allow you to cancel your insurance and get a refund — as long as you do so within 15 days and your trip hasn't started.

If you cannot purchase your travel insurance right after booking, you should still qualify for a policy if your trip hasn't been canceled. Most companies allow you to buy insurance until the day of your trip. You just won't have access to CFAR or pre-existing condition coverage.

When to buy annual travel insurance 

Annual travel insurance , sometimes referred to as multi-trip insurance, covers you for all your trips over a 12-month period. This type of travel insurance may be a good option if you regularly travel for work or have a handful of trips, particularly international trips, planned for the next 12 months.

"Travel insurance should definitely be purchased anytime you travel out of the United States," Osbon says. "The main reason is most US health insurance policies don't cover treatment internationally."

You may want to buy annual travel insurance just before your first trip begins. Since these plans last 365 days, you can stretch your policy to cover the most travel. However, this may limit your coverage, so tread carefully. For example, you may not be able to get medical coverage for pre-existing conditions.

"In the case of a pre-existing medical condition, you'll need to meet a few requirements to be covered," says Jeff Rolander, director of claims at Faye Travel Insurance . "Faye's travel protection covers pre-existing conditions as long as you purchase your plan within 14 days of your initial trip deposit and are medically able to travel when you purchase your plan."

You should be able to purchase travel insurance any time before the date of your trip. Once the day of your departure rolls around, the window will close. You also can't purchase travel insurance during your trip or after an injury or loss has already happened.

The moral of the story: It's always better to buy sooner rather than later. 

"Right when you book your flights or hotel stay is when you should get your trip covered," Rolander says. "The sooner you buy coverage for your trip, the sooner your coverage starts."

When to buy travel insurance frequently asked questions

You should purchase travel insurance within two weeks of booking your trip to receive maximum benefits, especially pre-trip cancellation coverage.

While you can purchase travel insurance up until the day of departure, doing so may limit certain benefits. Additionally, last-minute travel insurance won't cover pre-existing health conditions. 

Lengthier and more expensive trips generally call for travel insurance because you have more to lose. Purchasing travel insurance earlier mitigates the potential damage of a cancellation.

Most travel insurance policies allow for modifications or additions within a specific period after purchase, but it's important to check the policy terms.

Purchasing travel insurance early is generally beneficial for comprehensive coverage, but you may see your premiums rise if you make significant changes to your travel plans.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

How to Buy Travel Insurance After Departure or When Already Abroad (With COVID Coverage)

by Aileen Adalid Travel & Adventure , Working Remotely 5 comments

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“I just got off my flight and I realized that I didn’t buy insurance that will cover my trip. I totally forgot about it! Is it still possible to buy travel insurance after departure?” . – Jake D. from UK

Oh boy, been there, done that! I perfectly know how nerve-wracking this situation can be. After all, there aren’t a lot of companies that allow you to buy travel insurance when you are already traveling.

So if you’re like Jake who overlooked buying one before his departure, do NOT fret! There are actually some insurers that allow you to renew, extend, and buy travel insurance after departure. Sure, there are only a few of them, but rest assured, they are reliable and I will be sharing their full details in this post!

“ Do I really need travel insurance? ” YES . There will NEVER be a time where I would say no to this question. Besides, we cannot predict the future nor are we invincible; so if you’re on a holiday and the unexpected happens ( you lose your luggage, you fell ill, you get into an accident, etc.), your travel insurance will protect you from any hefty costs and bills. . Sure, buying travel insurance costs money and it might put a dent in your travel funds (especially if you’re traveling on a budget ). HOWEVER, your trip won’t be as cheap anymore when you get yourself in trouble (medical evacuations alone can cost you hundreds of thousands!) . So if you want to be a smart traveler, buy travel insurance because anything can happen — and yes, sometimes sh*t just happens! . To learn more about travel insurance, click here .

Top photo by: Shutterstock

Table of Contents

Travel Insurance Companies

Currently, there are three (3) popular and trusted insurance companies that allow anyone to extend or buy travel insurance after departure or when they are already abroad and they are SafetyWing (cheapest worldwide coverage) , Heymondo (all-around worldwide coverage) , and World Nomads (comprehensive worldwide coverage).

• SafetyWing

“Insurance for nomads, by nomads”. SafetyWing is a reputable company built by three Norwegian friends who wanted to design insurance products that are catered specifically for location-independent digital nomads , online freelancers, and remote workers/companies. To date, all of their policies are offered through their partner, Tokio Marine HCC-MIS Group ( one of the largest insurance companies in the world ), and underwritten at Llyod’s.

SafetyWing’s list of products is as follows, and like I have already mentioned, you can absolutely buy travel insurance after departure with them — they have NO restriction saying that you have to buy it before you leave.

• LIMIT : Only up to $250,000~
• Medical — access a qualified global network of medical care for unexpected problems and accidents, covering doctors, hospitals, ambulance, emergency dental care, and emergency medical evacuation
• Travel — includes coverage for: travel delay, travel interruption, lost checked luggage only, political evacuation, emergency response & natural disasters, and personal liability
• Exclusions — lost tech gear, travel cancellation, high-risk sports activity done in a professional capacity, cancer treatment, pre-existing disease or injury, and others
• Limited coverage when you visit your home country (up to 30 days every 3 months).
• 1 young child per adult or up to 2 per family, with ages between 14 days and 10 years old, can be included on your insurance without any added cost.
• Pandemic and/or COVID-19 coronavirus coverage
• COUNTRIES : Available for purchase in over 180 countries (Cuba, North Korea, and Iran are excluded)
• DURATION : There is NO cap on the duration of travel.
• CUSTOMER SERVICE : Offers 24/7 support with great response times and you can talk to a real person who is also a nomad!
• It works like a subscription with automatic monthly payments that you can cancel at any time (it’s totally flexible and with no added fees when you suddenly cancel out of the blue!) . From your chosen start date, your SafetyWing insurance automatically extends every 28 days until you pick an end-date. Rest assured, you can also get travel insurance that spans for days or weeks instead of on a per month basis.
• For more info visit the Nomad Insurance page . .
• Hospital charges, medical practitioner and specialists fees
• Cancer treatment
• Day-patient and out-patient surgery
• Drugs and dressings
• In-patient emergency dental treatment
• Diagnostic procedures
• Rehabilitation
• Emergency ambulances
• Evacuation and repatriation
• Newborn coverage
• Add-on options for out-patient and prescriptions, dental, $0 deductible as well as the USA, HK, and SG coverage
• COUNTRIES : 175 + countries with full coverage and emergency coverage (Cuba, North Korea, and Iran are excluded)
• It works like a subscription with automatic monthly or yearly payments that you can cancel at any time (it’s totally flexible and with no added fees when you suddenly cancel out of the blue!) .
• You can also get travel insurance that spans for a few days or weeks instead of on a per month basis, starting at about $3 for one (1) day.
• For more info visit the Remote Health page .

Albeit a bit higher-priced than SafetyWing, Heymondo is a crowd favorite amongst travelers who are especially looking for travel insurance with enough coverage that is accepted by most consular embassies (especially when applying for a Schengen Area visa ). It’s also well-loved for its app that has a 24/7 remote doctor service and claims management.

This means that HeyMondo is the only travel insurance company that can pay your medical expenses upfront — no need to stress yourself out about how you can make a claim to be reimbursed later on!

What’s helpful to note though is that their policies are only valid 72 hours after you purchase their travel insurance after departure . They are partnered with the AXA Group and some top perks they offer that are worth comparing to the rest in this list are as follows:

• The coverage limit is lower for USA residents at $250,000 to $500,000 only
• Emergency medical & dental expenses overseasMedical transport and repatriation homePsychological counseling servicesTravel expenses for family member/companion (in case of hospitalization for more than 7 days)
• Lost baggageLost electronics (up to 50% of baggage coverage) Travel disruptionCancellation and interruptionNatural disaster coverPersonal liabilityAccidental death or disabilityBasic adventure sports
• Search and rescueKidnappingRental car excess and key replacement
• Optional additions — 100% baggage coverage for lost electronics, additional adventure sports, cruise coverage
• Exclusions — Pre-existing conditions, intentional acts, wars, strikes, and others
• A helpful Heymondo app that grants 24/7 chat service with a remote doctor
• No out-of-pocket upfront payments; just contact their 24/7 customer service and they’ll help take care of everything
• COUNTRIES : Worldwide
• DURATION : There is NO cap on the duration of travel
• CUSTOMER SERVICE : Offers 24/7 support from anywhere in the world through their site and app
• Heymondo has an annual travel insurance wherein all trips you take in a 12-month period are covered up to 60 days each. Or you can also avail their ‘ Long Stay ‘ plan that is at a great price point if you are going on a trip for 90 days.
• You can also get travel insurance that spans for a few days or weeks instead of on a per month basis, starting at about $10 for one (1) day.
• For more info visit Heymondo’s page , and as my reader, if you click this link , you get a 5% discount.

• World Nomads

World Nomads is another company that is a favorite among a lot of travelers and nomadic workers. Launched in 2002, it has an established record that’s why I’m sure you’ve probably heard of them by now given that a lot of publications and bloggers have placed it as the ‘ best travel insurance ‘.

Truth be told, I have used them in the past years for most of my travels!

— until I discovered SafetyWing and HeyMondo . I switched to them mainly because World Nomad’s policy for Philippine citizens has changed (they passed things over to their partner: AXA) . Not to mention the fact that World Nomads is a lot more expensive than SafetyWing and HeyMondo if, let’s say, I want to avail of travel insurance for longer travel sprees. . BUT I do admit that World Nomads’ coverage includes FAR more than the former two (especially when it comes to sports activities, health cover, and lost electronics/gear) which is great because you’ll be assured of quality service if worse comes to worst! Moreover, if your age is 60+, SafetyWing’s price becomes a lot more expensive than World Nomads .

There’s so much to love about World Nomads because apart from the fact that they allow you to buy travel insurance after departure, they also offer some items of coverage that are NOT offered by SafetyWing. Hence, it helps to crosscheck both of these policies so you can decide which one you would go for as based on the overall price and support they each give.

• LIMIT : From $5,000,000 (Standard) to Unlimited (Explorer)
• Emergency medical expenses overseasUnlimited medical transport & repatriation home (including local funeral) Accompanying personPrescribed physiotherapyCounseling servicesOut-of-pocket expenses in the hospitalEmergency dental treatmentPre-trip cancellationTrip interruptionTravel delaysTrip resumptionNatural catastropheLost, damaged, and delayed baggage and tech/electronicsPersonal LiabilitySome adventure & sport activitiesCOVID-19 Coverage (limited to USA citizens and their Explorer plan)
• Personal accident
• Student loan and credit repayment
• Missed connection
• Money theft
• Rental car excess
• Replacement of car rental keys
• Most adventure & sport activities
• Exclusions — Pandemics, acts of war, civil unrest, pre-existing medical conditions, check-ups, and others
• COUNTRIES : Worldwide, no limit on countries (but some policies may change depending on the country you’re traveling to or on your citizenship).
• CUSTOMER SERVICE : Offers 24/7 support
• You can also get travel insurance that spans for a few days or weeks instead of on a per month basis, starting at about $15 for one (1) day.
• For more info visit the World Nomads’ page or read my honest review .

• Comparison Table

*Nomad Insurance & Remote Health (read the fine print to differentiate their coverage) **Medical, Top & Premium (read the fine print to differentiate their coverage) ***Standard & Explorer (read the fine print to differentiate their coverage) [1] Except for the USA and Canadian residents [2] Covers up to 50% (or 100% as an added cost to the policy) of the baggage coverage in case of theft, as well as for total or partial loss due to the carrier, or damage as a result of fire or assault. [3] Covers a LIMITED number of sports activities only (not covering adventurous ones; check the fine print regarding which are included in the basic plan or if there’s an option to put an add-on) [ 4] 1 young child per adult or up to 2 per family, with ages between 14 days and 10 years old [5] Everywhere but North Korea, Cuba, and Iran [6] In every 90-day period or 15 days in every 90 days if your home country is the USA [7] Excess deducted per event claimed (except for emergency evacuation and repatriation expenses)

COVID-19 Coverage

NOT a lot of travel insurance companies cover pandemics or epidemics so always make sure to read the fine print. Currently, the aforementioned insurers have the following policies regarding cover if in case you get infected with coronavirus disease (COVID-19).

Photo by: Shutterstock

• SafetyWing Coronavirus Policy

As of August 2020, SafetyWing’s Nomad Insurance and Remote Health plans cover COVID-19.

• You are covered for a minimum of 28 days
• Your quarantine is mandated by a physician or governmental authority because you have either tested positive for COVID-19 OR you are symptomatic and waiting for your test results
• This benefit can only be used once per 364-day period and is not subject to deductibles.
• COVID-19 tests are only covered if deemed medically necessary by a physician. (The antibody test is NOT covered since it is deemed not medically necessary).
• Faster turnaround times for treatment pre-authorization and claims processing. (The claim submission period is extended from 6 to 9 months for members diagnosed with COVID-19.) . .

• World Nomads Coronavirus Policy

As previously written above, World Nomads does NOT typically cover pandemics, but COVID cover has been recently included in their Explorer plan only (limited) for most nationalities — this is aside from World Nomads’ Travel Protection plan for USA and Canadian residents that cover COVID-19 sickness.

To double-check, read their Coronavirus FAQ . .

• Heymondo Coronavirus Policy

All of the Heymondo plans cover COVID-19 medical assistance and expenses up to the limit indicated in your policy (from $100K up to $10M).

• PCR expenses are covered when prescribed by a doctor.
• In case a contagion affects your return trip, you are assisted for home repatriation.
• Extra lodging expenses are covered for the medical quarantine.
• Your missed return flight home will be covered and you’ll be issued new transportation to take you home.
• Cancellation insurance applies (it also applies if a close relative gets seriously ill or dies due to COVID-19).
• Cancellation insurance also applies before departure wherein you’ll get reimbursement for your prepaid, non-refundable trip expenses.

» What To Look For In a Travel Insurance Plan

ALWAYS read the fine print whenever you buy travel insurance after departure — or basically, just about any type of insurance that you buy. Otherwise, you might be paying for something that doesn’t actually cover the ones that you’ll be needing. So choose wisely! To start off, here are some of the factors that you should keep in mind when buying the best travel insurance.

• Take note if evacuation includes taking you back home, or if it will just send you to the nearest medical facility.
• You might get a cheaper rate if you pinpoint the region or country(ies) you’re traveling to. A plan is also often cheaper when the USA is excluded.
• If you’re going to perform extreme activities, please ensure that your policy covers them. World Nomads and HeyMondo cover a lot of adventure sports, but if you go for other insurance companies, they might charge extra for any high-risk activities.
• When your gear is comprised of a lot of expensive items, it helps to ensure that your insurance covers a part of their value in case they are lost, damaged, or stolen.
• Home country coverage. If you travel long term as I do, there might be times wherein you want to take a breather and see your family back home. To cover this event, check if your policy covers it ( SafetyWing is a great choice for this).
• Traveling to the Schengen Area ? No worries! HeyMondo , for example, meets the required medical coverage of the Schengen Countries which is at least 30,000 EUR (or equivalent to about $36,500~).
• Take note if the deductible is per policy (so you don’t have to pay for every event) or if it’s per event.
• Flexible renewal. It’s always best if your insurance can be extended or renewed when you’re already traveling. Thankfully all of the companies I mentioned here will allow you to do this — which is unlike a lot of other insurers that often need you to be back in your home country to be able to do a renewal (some might even need additional documents, etc.)
• Fast claim process and 24/7 assistance. You do NOT want to be with an insurance company that asks you to “wait” when you’re already in a dire situation. It also helps a lot if they have 24/7 customer service that can be swiftly reached online. Don’t hold back on checking reviews online to see if doing claims with a specific insurance company can be done swiftly or can be filed online, and with no hassles at all.

» Tips Before You Go

For a complete list of travel resources :

FLIGHTS: I’ve been using Skyscanner for YEARS and it has never failed to give me rock-bottom prices across all existing airlines and flight booking sites. You can even set email alerts when the price drops for a flight route in certain time periods or even in month-long ranges!

ACCOMMODATION: Depending on your needs, the following offer rock-bottom prices for places to stay…

• Booking.com : For hotels all over the world
• Agoda : Often provides cheaper prices for hotels in Asia
• HostelWorld : For hostels all over the world
• AirBnB : For apartments, houses, etc. ( this link provides a $65 credit on your first booking!) .

PACKING: Check out my list of packing guides — or check out my carry-on packing checklist to ensure that you don’t leave without the essentials!

VISA: For all your immigration-related concerns, check my list of visa guides .

I hope this guide helped give you some peace of mind as well as show your best options on how to buy travel insurance after departure!

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Hey there! I am Aileen Adalid. At 21, I quit my corporate job in the Philippines to pursue my dreams. Today, I am a successful  digital nomad  (online entrepreneur, travel writer, & vlogger) living a sustainable travel lifestyle.

My mission?  To show you how it is absolutely possible to  create a life of travel no matter the odds — and I will help you achieve that through my detailed travel hacks, guides, resources, tips, and MORE!

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Useful article! I want to share with you a story that happened. I bought baggage insurance shortly before the flight. And when the luggage didn’t come I contacted the insurance company and was paid the same day! Many thanks!

That’s great to hear! I’m glad everything worked out :)

While most companies don’t allow you to buy travel insurance after departure, this is a great list to know those who do!

I’m glad, I hope this helps!

I think World Nomad is the best travel insurance company in general because it has a lot of features and benefits and I had a great experience with it on my previous trip, which is Highly recommended.

Thank you for sharing, I enjoy reading

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When to Buy Travel Insurance

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Planning a trip involves a lot of moving parts, and while you want everything to go smoothly, the truth is that unexpected things can happen. In these cases, travel insurance can help make those issues easier to deal with — whether it’s by paying for your hospital bills in another country or reimbursing you for lost luggage.

However, the types of travel insurance that are available to you depend on when you purchase your policy. Let’s look at when to buy travel insurance, how late you can buy travel insurance and what different policies can offer.

The different types of travel insurance

There are many different kinds of travel insurance coverage depending on your needs. Here are some of the most common.

Trip cancellation insurance . Will reimburse nonrefundable costs when your trip is canceled due to a covered event. 

Trip interruption insurance . Pays costs incurred when a trip is cut short for a covered reason. 

Trip delay insurance . Provides financial assistance in case your flight is delayed beyond a certain amount of time.

Travel medical insurance . Covers medical costs for illness or accidents that arise during your travels.

Emergency evacuation insurance . Pays for the cost to evacuate you elsewhere (reasons can vary from medical to extreme weather).

Accidental death and dismemberment (AD&D) insurance . Like life insurance, it provides a payout to a beneficiary in the event of death or dismemberment during travels. 

Baggage loss insurance . Will reimburse you if your bag is lost, stolen or damaged.

Rental car insurance . Provides insurance for collision and damage to a rental car.

Cancel for Any Reason insurance (CFAR). An optional add-on that covers a portion of nonrefundable costs if you choose to cancel your trip for any reason.   

» Learn more: What does travel insurance cover?

How early can you buy travel insurance?

Understanding when to get travel insurance can make a big difference in the policies you’re able to purchase. Typically, you can’t buy one before knowing some details about your trip.

While it’s possible to purchase a policy before you’ve booked your flights or made other travel plans, many insurers ask you for information about your trip to help you find the correct insurance. This means you’ll need to at least know where you’re going, when you’re going and the cost of your trip before purchasing travel insurance.

Multi-trip or annual travel insurance can cover you for a year with a single purchase. This is convenient if you travel frequently or take last-minute trips.

When to purchase travel insurance

So if you can’t buy travel insurance before doing some preliminary trip planning, you might be wondering “When should I buy travel insurance?” The answer to that is that it depends on what you want covered.

This is because not all types of coverage are available at all times. Two notable examples include CFAR insurance and pre-existing medical conditions.

CFAR insurance is a supplement to your existing policy that allows you to cancel your plans for any reason. Standard trip cancellation or interruption insurance requires that you cancel for a covered reason to receive reimbursement. Covered reasons may include sickness, death, job loss or financial insolvency, but CFAR insurance faces none of these limitations.

Many insurance companies only give you a short window to purchase a CFAR add-on. This will generally be within two to three weeks of your initial trip deposit, but the deadline varies by insurer so be sure to double-check if you’re interested in this type of coverage.

Likewise, many travel medical policies specifically exclude coverage of pre-existing health conditions — unless you take some additional steps in a timely manner. Some policies will cover acute re-occurrence of the pre-existing condition, provided you complete a waiver within a specific time period, usually within two weeks of your first trip payment.

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

When is it too late to buy travel insurance?

It’s a good idea to purchase travel insurance sooner rather than later, especially if you’re interested in any time-sensitive add-ons. However, running late on buying insurance doesn’t mean that you’re out of luck.

While you’ll likely get better coverage if you buy a policy soon after making an initial payment on your trip, it’s still possible to buy a plan if your trip is days away — or if you’ve already departed. Typically, these plans may include things like trip interruption, emergency medical and baggage delay coverage, but they won’t provide trip cancellation or other pre-departure benefits.

Credit cards that offer travel insurance

It’s tempting to purchase a travel insurance policy when planning a trip, but before you do, you’ll want to do some research. Many travel credit cards offer complimentary travel insurance. To qualify, you’ll need to pay for your trip with your card. Keep in mind that different cards have different coverage limits.

The Chase Sapphire Reserve® card, for example, is a premium travel credit card that provides a wide range of coverage:

Trip cancellation, interruption and delay insurance. 

Baggage delay and lost luggage insurance. 

Emergency medical and evacuation insurance. 

Travel accident (AD&D) insurance. 

Rental car insurance. 

The coverage offered by the Chase Sapphire Reserve® isn’t limited to just the cardholder; immediate family members are also included in this policy. They don’t even need to be traveling with the cardholder to receive coverage as long as the trip was charged to the card.

» Learn more: The best credit cards for travel insurance benefits

When should you buy travel insurance?

Purchasing travel insurance isn’t mandatory for a good vacation, but it can certainly come in handy if your plans go awry. While it’s possible to buy travel insurance up until just before — or even after — you depart, the best time to do so is shortly after you begin booking the trip. This allows you to provide the information required to buy a policy while also remaining eligible for time-sensitive add-ons and benefits like trip cancellation.

Before you purchase travel insurance, however, you’ll want to take a look at any travel credit cards you own to see what types of complimentary insurance they offer.

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

on Chase's website

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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 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.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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.

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• Travel Insurance FAQ

Can You Buy Travel Insurance After Booking a Flight?

Last Updated: May 1, 2018 February 22, 2024

Yes, travelers can buy travel insurance after booking a flight. In fact, travelers have up until the day before they leave for their trip to purchase travel insurance.

Squaremouth data indicates that travelers purchase travel insurance roughly 67 days after making their first trip booking. So, if you’re interested in purchasing travel insurance and you have yet to depart for your trip, you may still do so.

Buying Travel Insurance After Booking a Trip

While you can buy travel insurance at any point leading up to a trip, the best time to purchase a policy is shortly after making a trip booking. This can be a flight, hotel stay, rental car arrangement, or other type of reservation. 

Squaremouth recommends buying shortly after making your first trip payment . This will ensure you have coverage for any unforeseen occurrences between booking and departing. If you buy travel insurance within 14-21 days, you may also qualify for the time-sensitive benefits, such as Cancel For Any Reason and Pre-Existing Condition coverage.

You should be aware that travel insurance is designed to cover unexpected events. If an event occurs before you’ve purchased a policy, such as an illness that would cause you to cancel your trip, it will be too late to get coverage for that sickness.

How to Add Travel Insurance To Your Booking 

With hundreds of policies to choose from, purchasing travel insurance can be overwhelming, especially for those buying for the first time. Below are a few things to consider when buying travel insurance after booking your trip. 

Assess Your Needs

The first step in purchasing a travel insurance policy is to assess your needs as a traveler. Think about your upcoming trip and itinerary, and the types of activities you’d like to cover through travel insurance. Certain providers have travel insurance policies built for specific trip types, such as adventure plans and cruise-specific plans . The most important thing to determine up front is whether or not you need to insure your trip cost. The majority of travelers have non-refundable trip expenses, and therefore opt for a comprehensive policy that offers reimbursement in the event of delays, cancellations, or injuries abroad. However, some travelers are only interested in travel medical insurance , and save money by opting for a policy without cancellation coverage.  Another important consideration is the coverage amounts you’d like to see in a policy. For example, some travelers heading to remote destinations may need higher medical evacuation coverage in the event they need to be transported to a hospital. Travelers with expensive gear may need a policy that offers higher reimbursement in the event their luggage goes missing in transit. Determining your desired coverage limits will come in handy when shopping for policies. It’s also recommended to check if your destination has any travel insurance requirements.

Narrow Your Search

Shopping around for travel insurance is daunting, with hundreds of policies offered through third party providers, credit cards, airlines, and cruise lines. Squaremouth always recommends comparing policies from different sources to make sure you find the best coverage for your trip for the lowest price, however reading through the details and exclusions of every policy would be extremely time consuming. Luckily, there are now more resources and tools available to help travelers compare travel insurance policies and make a more informed decision. With your trip’s insurance demands in mind, you can start eliminating policies from your search that don’t need your requirements, narrowing your search down to policies that make the most sense.

Select A Policy

Once you’ve narrowed your search, making a smart purchase decision becomes much easier. When making a purchase, you’ll need your trip information, such as destination information and trip costs, on hand.  You’ll receive confirmation of your purchase shortly after along with a copy of your policy certificate. It’s important to hold onto this information during your trip, as it has the provider’s 24-Hour Assistance number and other important support information should you need it. If you have second thoughts about your policy, you are able to cancel for a full refund within the policy’s Money Back Guarantee window, which typically lasts for 10 or 14 days.

What Should I Include In My Trip Cost?

Before you buy a policy, you will need to know which trip costs you plan to protect. Travelers can insure all prepaid, non-refundable costs associated with your trip, including flights, hotels, cruises, or tours. If you haven’t made all of your trip payments when you buy your policy, you have two options:

• Insure your entire estimated trip cost up front
• Insure only the portion you’ve paid so far, and add additional trip payments to your policy as you pay them

If you choose to estimate your entire trip cost up front and you enter too high of an amount, you only have the free look period to guarantee a refund for the additional premium you paid. Outside of that period, each provider will handle it on a case-by-case basis.

If you choose to insure your trip payments as you make them, you can add to your trip cost up until the day before your departure. You will pay any additional premium due as you add to your total trip cost. You can also contact your provider to make changes to your trip itinerary or travel dates.

Can I Buy Travel Insurance After Departure?

If today is your departure date, or you’ve already left for your trip, it is too late to buy a travel insurance policy from Squaremouth. However, there may be some policies available directly from providers that can provide medical coverage. These policies will not cover your trip costs, but can provide Emergency Medical and Medical Evacuation coverage for the remainder of your trip.

Travelers who have already departed for their trip will need to contact the provider directly if they are looking to purchase this coverage. There are select providers who offer this option, including Seven Corners and Trawick International .

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.

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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.

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Frequently asked questions (FAQ)

Questions about all our plans, questions about our plans for canadians.

Yes, by default our plans have a $0 deductible, but clients can save with higher deductibles on single-trip and multi-trip emergency medical plans:

Note: Deductible options are not available for all-inclusive (single-trip or multi-trip) plans.

Questions about our plans for visitors to Canada

Yes, by default our plans have a $75 deductible, but your client can pay a little more for a $0 deductible or save with higher deductibles on emergency medical plans:

Note: Deductible options are not available for trip interruption insurance.

Yes, with Plan A, whether or not your client adds trip interruption insurance. Family coverage is not available with Plan B. 

Family coverage covers the applicant, the appliant's spouse and dependent children, and all family members must be under age 60. The cost for Plan A emergency medical benefits (including travel accident insurance) is twice the premium for the oldest traveller under age 60. The cost for Plan A trip interruption insurance is three times the premium for the oldest traveller under age 60.

Questions about our plans for students

Your client can call the Assistance Centre to request an extension as long as the plan has not expired and:

• The period of coverage does not extend beyond 365 days
• The client remains eligible for insurance under this plan
• The plan is not changing from single to family coverage 

If your client has a medical condition or pending claim, the Assistance Centre must evaluate and approve the extension. 

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Trip interruption and travel health insurance

If you plan to travel outside Canada—even for a day in the United States—you should buy trip interruption and travel health insurance before you leave.

On this page

Where you can get trip interruption and travel health insurance, why you should buy travel health insurance, choose the best insurance based on your needs, if you need to make a claim, if you live or work outside canada, if you need help while outside canada.

You can buy trip interruption and travel health insurance directly with an insurance company or through:

• a travel agent
• an insurance broker
• an employer’s insurance provider
• a credit card company

If you encounter a medical emergency while abroad, you should know the following:

• Your medical bills may not be paid by your personal Canadian health insurance
• Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad including a medical evacuation, if needed. It will never pay your bills up front
• Hospitals and clinics in other countries can be very expensive and may require immediate cash payment
• In some countries, hospitals and clinics will not treat you if you don’t have enough insurance or money to pay your bills
• The Government of Canada will not pay your medical bills

What your travel health insurance should cover

No matter where you’re travelling, your travel health insurance policy should always cover 3 things:

1. Medical evacuation

Make sure your policy covers medical evacuation to Canada or to the nearest place with medical care. The policy should also cover the costs of a medical escort to travel with you to your destination.

2. Pre-existing medical conditions

Ask the insurance provider to explain the definition of and the limitations and restrictions on any pre-existing conditions and tests and treatments you may have had:

• Make sure you get a written agreement that your insurance covers your pre-existing medical condition, otherwise you could find your claim “null and void” under a pre-existing condition clause.
• no changes to your medical condition
• no new medical conditions, symptoms or medications during the stability period before your trip.
• a compassion clause saying that an inaccurate statement may not invalidate the entire policy
• a change-of-health clause.

3. Repatriation in case of death

Make sure that your plan includes everything to help your loved ones if you die outside Canada as the result of an accident or a sudden and unexpected illness.

Your insurance should cover:

• the preparation and return of your remains
• local cremation or burial outside Canada
• additional expenses if someone needs to travel to identify your body

Learn more about what to do if a Canadian dies outside Canada.

Why you should buy trip interruption insurance

Trip interruption insurance is different from medical travel insurance. Trip interruption insurance provides coverage for situations that lead you to have to cancel a part of your trip once you’ve departed. It will reimburse the unused portion of your trip if you must return early, due to an unforeseen incident.

It’s also different from trip cancellation coverage, which applies only when you cancel your trip before it starts.

Research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions:

• Plans with 100% coverage are more expensive but may save you money in the long run
• Does the plan offer continuous coverage for the length of your stay outside Canada and after your return?
• Does the plan exclude or limit coverage for certain regions or countries you may visit?
• Travel health insurance rarely covers routine health checkups, non-emergency care or cosmetic surgery.
• It may not cover mental health disorders.
• Does the plan cover drug or alcohol-related incidents? 
• Does the plan exclude coverage for activities such as mountaineering, skiing, scuba diving or extreme sports?
• Does it offer coverage that is renewable from abroad and for the maximum period of stay?
• Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
• Does it pay for hospitalization for illness or injury and related medical costs at your destination?
• Does it pay your bills or provide cash advances up front, so you don’t have to pay them?

If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.

If you’re flying, make sure you get insurance for trip interruption, lost luggage and document replacement. You may also want to consider trip cancellation insurance.

Meet the terms of your policy

It’s your responsibility to know and understand the terms of your insurance policy. Read the fine print and ask for help if you need it.

The information you provide must be accurate and complete. If you have any questions, contact the insurance company. Ask them to send you a written explanation.

Carry your insurance information with you and leave a copy with a friend or relative at home.

Get a detailed report and invoice from your doctor or hospital before leaving the country where you received medical treatment. Trying to get the proper paperwork from thousands of kilometres away can be frustrating.

Always submit the original receipts for medical services or prescriptions you received abroad. Keep a copy of the documents for your files.

Effects of travel advisories on travel insurance policies

Many travel insurance policies will not cover you if you travel to regions where the Government of Canada has issued a travel advisory to “avoid all non-essential travel” or “avoid all travel.”

The Government of Canada is not responsible for travel insurance policies nor how Travel Advice and Advisories may affect travel insurance policies. The Government of Canada does not issue its Travel Advice and Advisories for the purpose of travel insurance coverage or refunds.

Canada’s Travel Advice and Advisories provide information and recommendations about safety and security conditions in destinations around the world to help you make informed decisions.

We issue travel advisories when the security or health situation in a country or region may pose a significant threat to the personal safety and security of Canadians travelling or living there.

As new information becomes available, we review the level of risk. A travel advisory for a destination may be issued, upgraded, downgraded or removed.

Before you book your trip and buy insurance, check the details of any insurance policy you’re considering and the travel advice and advisories for your destination.

Travel insurance is not intended to be used when you are living outside Canada for an extended period, or permanently.

If you live abroad or you’re planning to, consider your insurance needs. Local laws may require that you have medical insurance, and you may have to include proof of medical insurance with your visa application.

If you study outside Canada

If you study or plan to study outside Canada, contact your educational institution or program administrator for advice on the insurance coverage you need.

The Government of Canada is limited in the help it can provide you when you are outside Canada.

See the services available at our consular offices outside Canada.

Our travel advice and advisories provide recommendations about safety and security conditions outside Canada to help you make informed decisions. The decision to travel is yours and you’re responsible for your personal safety abroad.

Whether you are planning a vacation or living outside Canada, sign up for the free Registration of Canadians Abroad service so that we can notify you in case of an emergency outside Canada.

For help with emergencies outside Canada, contact the:

• nearest Canadian office abroad
• Emergency Watch and Response Centre in Ottawa

Related links

• Say yes to travel insurance
• Bon voyage, but…
• Well on your way
• A guide to travel health insurance (Canadian Life and Health Insurance Association)
• Guide to travel health insurance (International Association for Medical Assistance to Travellers)