Can I take out travel insurance after departure?

Global Courant

If you are going on a trip, you should preferably take out travel insurance just before you leave. However, it is completely understandable that this may not be the case for some people. Many travelers ask if they can take out travel insurance after departure. This can happen when your travel insurance has expired because you stayed too long in a certain place, your policy has expired or you simply forgot to take out travel insurance.

If you are already abroad and you decide to take out insurance, you can still get cover. Look for a reputable insurance company that offers a Already Traveling Policy. The good news is that some insurance companies already offer this to travelers.

There are certain conditions for taking out this type of travel insurance. Leading travel insurers offer this cover subject to conditions. If you are younger than 65, you may not stay outside your country of residence for more than 18 months. If you are between 66 and 74 years old, you are not allowed to stay outside your country of residence for more than 6 months. You can also get this type of insurance if no damage has occurred before or an event has occurred that led to a damage. Here’s an example of the last scenario: If you lost your laptop yesterday, you’re not allowed to buy this insurance or make a claim on it.

What cover do you actually get if you take out a Traveling Traveling policy?

• 24/7 emergency medical assistance

If you get sick or injured, you can get emergency medical care 24/7, 365 days a year. Simply call the emergency hotline listed on your policy. This also covers medical expenses and emergency patient transport.

• Coverage for adventure activities

There is standard cover for adventure activities listed in the policy. Make sure you read what types of activities are covered and understand the terms and conditions.

• Valuables

You can add this extension option to your Already Traveling policy. You can get protection for your belongings while you travel, including your bags, technological equipment, jewelery and important travel documents.

Cancellation prior to the trip is of course not covered by this type of insurance. This is because you have already left your home country. We feel we should emphasize this because some travelers still ask this question even though insurance is specifically designed for people who are already travelling.

It is possible to take out travel insurance after departure. You can still get the coverage you need as a traveler. This is a convenient way to purchase travel insurance while you are already traveling. Please note, however, that if you purchase a policy while you are travelling, waiting times and certain conditions will apply. Many travel insurance companies have 36 hours before full coverage can apply after the policy is purchased. However, some policies offer immediate cover. Check the policy and make sure you know when cover applies.

Can I take out travel insurance after departure?

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