travel medical insurance after departure

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• Safety & Insurance

How To Buy Travel Insurance After Departure (w/ COVID Cover)

Published: September 9, 2023

Modified: December 27, 2023

by Eugenia Mckenzie

• Travel Essentials & Accessories
• Travel Tips

Introduction

Traveling is an exhilarating experience that allows us to explore new destinations, immerse ourselves in different cultures, and create lasting memories. However, unforeseen events can occur, putting a damper on our plans and resulting in unexpected expenses. That’s where travel insurance comes in.

While many travelers opt to purchase travel insurance before their departure, there are instances where circumstances may lead us to purchase coverage after we’ve already started our journey. Whether it’s a last-minute decision, a change in travel plans, or simply forgetting to purchase insurance beforehand, buying travel insurance after departure is still possible.

In this article, we will explore the need for travel insurance post-departure, the benefits it offers, factors to consider when buying insurance after departure, the types of COVID cover available, how to choose the right travel insurance provider, steps to purchase insurance after departure, and answer some frequently asked questions.

It’s important to note that while the process of buying travel insurance after departure may vary depending on the provider and policy, this guide will provide you with a general understanding of the steps involved and the considerations to keep in mind.

So, whether you’re already exploring a new city, or you have plans to depart soon, continue reading to learn how you can protect yourself with travel insurance even after the journey has begun.

Understanding the Need for Travel Insurance Post Departure

While travel insurance is commonly purchased before embarking on a trip, there are situations where the need for coverage arises after departure. Understanding why travel insurance is important post-departure can help you make an informed decision about purchasing coverage.

One of the primary reasons for considering travel insurance after departure is to protect yourself against the unexpected. Even the most well-planned trips can encounter unforeseen circumstances such as medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and other mishaps that can disrupt your travel experience.

Medical emergencies are a significant concern for travelers, especially when in unfamiliar territories. In the unfortunate event of an illness or injury, having travel insurance with medical coverage can provide you with financial assistance for medical treatments, hospital stays, emergency medical evacuations, and repatriation of remains if necessary.

Another reason to consider travel insurance post-departure is trip cancellation or interruption. Life is unpredictable, and situations like family emergencies, natural disasters, or unforeseen events can force you to cut short or cancel your trip. Having travel insurance that offers trip cancellation or interruption coverage can reimburse you for non-refundable expenses like flights, accommodations, tours, and other prepaid expenses.

Lost or delayed baggage is another concern that travelers often encounter. Arriving at your destination without your luggage can be frustrating, and it can disrupt your plans. Travel insurance can provide coverage for lost, stolen, or damaged baggage, giving you peace of mind and financial recourse to replace necessary items.

In addition to these common scenarios, travel insurance can also cover expenses related to travel delays, missed connections, personal liability, and emergency assistance services. These benefits can vary depending on the specific policy and provider you choose, so it’s essential to review the terms and conditions of the policy before making a purchase.

By understanding the potential risks and challenges that can arise during your travels, you can see why having travel insurance post-departure is valuable. It provides a safety net that can safeguard your finances and provide support in times of need, allowing you to focus on enjoying your trip with peace of mind.

Benefits of Buying Travel Insurance After Departure

While purchasing travel insurance before your trip is ideal, there are still several benefits to buying it after departure. Here are some advantages of buying travel insurance after you’ve already started your journey:

• Emergency Coverage: One of the primary benefits of buying travel insurance after departure is that you can still avail emergency coverage. This includes medical expenses, emergency medical evacuation, and repatriation of remains, ensuring that you’re protected in case of unexpected medical emergencies.
• Trip Interruption Coverage: If your trip gets interrupted due to unexpected circumstances such as the death of a family member, illness, or natural disasters, having travel insurance can help reimburse your non-refundable expenses, including flights, accommodations, and prepaid activities.
• Lost or Delayed Baggage Coverage: Travel insurance purchased after departure can provide coverage for lost or delayed baggage. If your luggage goes missing or is delayed, the insurance can help cover the cost of replacing essential items and compensate you for the inconvenience caused.
• Travel Delay Coverage: If you experience a significant travel delay due to unforeseen circumstances like weather conditions, strikes, or mechanical breakdowns, travel insurance can reimburse you for the additional expenses incurred, such as accommodation, meals, and transportation.
• Coverage for Missed Connections: If you miss a connecting flight or transportation due to circumstances beyond your control, such as a delay or cancellation of your initial flight, travel insurance can help cover the additional costs associated with rebooking or rescheduling your travel plans.
• Personal Liability Coverage: Travel insurance can also provide personal liability coverage, protecting you in case you accidentally cause damage to property or injure someone while traveling.
• Peace of Mind: Perhaps the most significant benefit of buying travel insurance after departure is the peace of mind it offers. Knowing that you have coverage in case of emergencies or unforeseen events can alleviate stress and allow you to fully enjoy your trip.

It’s important to note that the specific coverage and benefits may vary depending on the travel insurance policy you choose and the provider. Take the time to thoroughly review the policy terms and conditions to ensure it meets your specific needs.

Factors to Consider When Buying Travel Insurance After Departure

When buying travel insurance after departure, there are several important factors to consider to ensure you choose the right coverage for your needs. Here are some key factors to keep in mind:

• Coverage and Benefits: Carefully review the coverage and benefits offered by the insurance policy. Ensure that it includes the necessary coverage for medical expenses, trip interruption, lost baggage, travel delays, and other potential risks you may encounter.
• Policy Duration: Check the maximum duration for which the policy can be purchased post-departure. Some insurance providers may only allow post-departure purchases within a specific time frame, so make sure you buy the insurance within the allowed period.
• COVID-19 Coverage: Given the ongoing pandemic, it’s crucial to consider the COVID-19 coverage provided by the insurance policy. Look for coverage for medical expenses related to COVID-19, trip cancellations due to COVID-19-related reasons, and other benefits specific to the current situation.
• Pre-existing Conditions: If you have any pre-existing medical conditions, carefully review the policy to ensure that it covers them. Some insurance policies offer coverage for pre-existing conditions, while others may have certain exclusions or limitations.
• Claim Process: Understand the procedure for filing claims and the documentation required. Ensure that the insurance provider has a straightforward and accessible process for submitting claims, and that their customer support is readily available to assist you if needed.
• Provider Reputation: Research the reputation of the insurance provider to ensure they have a good track record of promptly processing claims and providing reliable customer service. Look for reviews and ratings by other travelers to gauge the credibility and reliability of the provider.
• Cost: Consider the cost of the travel insurance policy and compare it with the coverage and benefits it offers. However, remember that the cheapest option may not always provide comprehensive coverage or meet your specific needs, so balance cost with coverage when making a decision.
• Policy Exclusions: Pay attention to the policy exclusions, limitations, and terms and conditions. Understand what is not covered by the insurance policy, such as high-risk activities, certain destinations, or specific circumstances, to avoid any surprises or disappointments later.

Remember to carefully read the policy documents and ask questions to the insurance provider if you have any doubts or need clarification. By considering these factors, you can make an informed decision and choose the most suitable travel insurance coverage even after departing on your trip.

Types of COVID Cover in Travel Insurance Policies

With the ongoing COVID-19 pandemic, it’s crucial to consider the specific coverage related to the virus when purchasing travel insurance after departure. Here are some common types of COVID cover that you may find in travel insurance policies:

• COVID-19 Medical Expenses: This coverage provides reimbursement for medical expenses incurred due to COVID-19, including testing, treatment, hospitalization, and medications. It can also extend to cover emergency medical evacuation related to COVID-19.
• Trip Cancellation and Interruption due to COVID-19: This coverage reimburses you for non-refundable trip expenses if you need to cancel or interrupt your trip due to COVID-19-related reasons, such as contracting the virus, being placed under quarantine, or travel restrictions imposed by authorities.
• Quarantine Costs: Some travel insurance policies may cover additional expenses incurred if you need to quarantine due to COVID-19 during your trip. This can include the cost of accommodation, meals, and transportation during the quarantine period.
• Travel Advisory Coverage: This type of coverage applies to situations where a government-issued travel advisory is issued for your destination due to COVID-19. If you choose to cancel or change your travel plans based on such advisories, the insurance policy may provide coverage for the associated expenses.
• Travel Delay and Missed Connection due to COVID-19: This coverage is relevant if you experience delays or miss a connecting flight or transportation due to COVID-19-related reasons. It can help cover the additional expenses incurred, such as accommodation, meals, and transportation arrangements.
• Repatriation and Return Home: If you need to return home early due to COVID-19, travel insurance policies may provide coverage for the additional travel expenses incurred to return to your home country.
• Cancel for Any Reason (CFAR) Coverage: CFAR coverage allows you to cancel your trip for any reason, including concerns related to COVID-19, and receive reimbursement for a percentage of your non-refundable expenses. Keep in mind that CFAR coverage may be optional and may come with specific eligibility criteria.

It’s important to carefully review the terms and conditions of the travel insurance policy to fully understand the extent of the COVID-19 coverage provided. The coverage and limitations can vary between insurance providers and policies, so be sure to compare policies and choose the one that best suits your needs and concerns related to COVID-19.

Remember, while travel insurance can provide specific COVID-19 coverage, it’s essential to continue following health and safety guidelines during your travels, including practicing good hygiene, wearing masks, maintaining social distancing, and staying informed about current travel advisories and restrictions.

How to Choose the Right Travel Insurance Provider

Choosing the right travel insurance provider is crucial to ensure you have adequate coverage and a seamless experience when buying travel insurance after departure. Here are some factors to consider when selecting a travel insurance provider:

• Reputation and Financial Stability: Look for an insurance provider with a solid reputation and financial stability. Research their track record, customer reviews, and ratings to ensure they have a history of providing reliable coverage and promptly settling claims.
• Coverage Options: Evaluate the coverage options provided by the insurance provider. Ensure they offer comprehensive coverage that includes medical expenses, trip cancellation/interruption, lost baggage, travel delays, and other essential benefits that align with your needs and travel plans.
• COVID-19 Coverage: Given the ongoing pandemic, it’s crucial to choose a travel insurance provider that offers specific COVID-19 coverage. Check if they provide coverage for medical expenses related to COVID-19, trip cancellation/interruption due to the virus, and any other COVID-related benefits you deem necessary.
• Claims Process: Consider the ease and efficiency of the claims process offered by the insurance provider. Look for transparent information about the process, required documentation, and the availability of customer support to assist you throughout the claims process.
• Policy Exclusions and Limitations: Thoroughly read and understand the policy exclusions and limitations of the insurance provider. Ensure they don’t have excessive exclusions or restrictions that may undermine the coverage you need or render it less effective.
• Price: While cost should not be the sole factor in choosing a travel insurance provider, it’s important to consider the pricing of their policies. Compare the coverage benefits against the premium to ensure you’re getting a fair price for the coverage provided.
• Additional Benefits: Some insurance providers offer additional benefits such as 24/7 emergency assistance, concierge services, travel alerts, or access to medical providers. Assess these additional benefits to see if they align with your needs and preferences.
• Customer Support: Evaluate the quality of customer support provided by the insurance provider. Check if they have a dedicated customer service team that can assist you with any inquiries or issues you may have, both before and during your trip.
• Recommendations and Referrals: Seek recommendations and referrals from friends, family, or travel professionals who have had positive experiences with travel insurance providers. Their personal experiences can provide valuable insights and help you make an informed decision.

Taking the time to research and compare different travel insurance providers will ensure you choose a reputable and reliable company that offers the coverage and support you need. Remember, the right travel insurance provider can give you peace of mind and financial protection when you need it most.

Steps to Buy Travel Insurance After Departure

Buying travel insurance after departure may sound challenging, but with these steps, you can navigate the process smoothly:

• Research Insurance Providers: Start by researching insurance providers that offer travel insurance after departure. Look for reputable companies that have positive reviews, strong customer support, and the specific coverage you need.
• Compare Coverage Options: Evaluate the coverage options offered by different insurance providers. Compare the benefits, limits, and exclusions to find a policy that aligns with your travel plans and provides the necessary coverage, including COVID-19-related benefits if applicable.
• Get a Quote: Get a quote from the insurance providers you are considering. Provide the necessary information, such as your travel details, age, destination, and any pre-existing medical conditions, to receive an accurate quote.
• Review Policy Details: Once you’ve selected an insurance provider and received a quote, carefully review the policy details. Pay close attention to the coverage, terms and conditions, and any limitations or exclusions. Ensure the policy meets your specific needs.
• Understand the Claims Process: Familiarize yourself with the claims process outlined by the insurance provider. Understand what documentation you may need in case of an emergency or claim, and ensure it is easily accessible during your trip.
• Make the Purchase: Once you are satisfied with the policy and confident in your choice of insurance provider, proceed with the purchase. Provide the required personal and payment information to finalize the transaction.
• Keep Policy Documents Handy: After purchasing the travel insurance, keep the policy documents, including the policy number and emergency contact information, easily accessible. It’s a good idea to have both digital and printed copies.
• Know the Effective Date and Coverage Period: Note the effective date and the duration of coverage for the policy. Be clear on when the policy starts providing coverage and its validity period to ensure you are protected during your travels.
• Carry Proof of Insurance: Carry proof of your travel insurance with you, such as a copy of the policy confirmation or insurance card. Some insurance providers may provide a dedicated app or digital platform where you can access your policy details on the go.
• Stay Informed and Contact Support: Stay informed about any updates regarding your travel insurance coverage and travel advisories. If you have any questions or need assistance while traveling, contact the customer support of your insurance provider for guidance.

While the process of buying travel insurance after departure may vary slightly depending on the insurance provider, following these general steps will help you navigate the process and ensure that you have the necessary coverage to protect yourself during your travels.

Frequently Asked Questions (FAQs) about Buying Travel Insurance After Departure

Here are answers to some commonly asked questions about buying travel insurance after departure:

• Can I buy travel insurance after I have already started my trip?

Yes, it is possible to buy travel insurance after you have already started your trip. While most people purchase travel insurance before their departure, there are options available for purchasing coverage after you’ve begun your journey.

• What coverage can I expect when buying travel insurance after departure?

You can still expect coverage for various aspects such as emergency medical expenses, trip interruption, lost baggage, travel delays, and more. However, the coverage may vary depending on the policy and provider you choose.

• Is COVID-19 covered in travel insurance purchased after departure?

Yes, many insurance providers offer specific COVID-19 coverage in their travel insurance policies. This coverage can include medical expenses related to COVID-19, trip cancellation/interruption due to the virus, and other COVID-related benefits. Be sure to check the policy details for the extent of COVID-19 coverage.

• Can I purchase travel insurance after departure if I have pre-existing medical conditions?

Yes, some insurance providers offer coverage for pre-existing medical conditions even if you buy travel insurance after departure. However, it’s important to review the policy terms and conditions to ensure your specific conditions are covered.

• What information do I need to provide when purchasing travel insurance after departure?

When buying travel insurance after departure, you will generally need to provide your travel details, including your destination, duration of the trip, age, and information about any pre-existing medical conditions. The insurance provider will use this information to calculate your premium and provide you with the appropriate coverage.

• How do I file a claim for travel insurance purchased after departure?

The process for filing a claim will depend on the insurance provider. Typically, you will need to contact the claims department of your insurance provider and provide the necessary documentation, such as medical reports, receipts, and any other required information to support your claim. It’s important to familiarize yourself with the claims process outlined in your policy and follow the instructions provided.

• Can I cancel or change my travel insurance policy after purchase?

Insurance policies typically have a grace period for cancellation or changes, usually within a set number of days from the purchase date. However, the specific terms and conditions for cancellations and changes may vary between insurance providers, so it’s important to review the policy details before making a purchase.

• Can I renew my travel insurance if I decide to extend my trip?

Yes, some insurance providers offer the option to renew or extend your travel insurance policy if you decide to extend your trip. This will typically require contacting the insurance provider and providing the necessary information to adjust the policy’s duration.

• Is it more expensive to buy travel insurance after departure?

The cost of travel insurance purchased after departure may vary depending on the insurance provider and the specifics of your trip. While it’s possible that it may be slightly more expensive, it’s essential to compare different policies and providers to find the best coverage at a competitive price.

Remember, the answers provided here are general guidelines, and it’s important to review the terms and conditions specific to the travel insurance policy you choose. If you have further questions or concerns, reach out to the insurance provider directly for clarification.

While it’s always recommended to purchase travel insurance before your trip, buying it after departure is still possible and can provide valuable protection during your travels. Understanding the need for travel insurance post-departure and the benefits it offers is essential in making an informed decision.

When buying travel insurance after departure, consider factors such as coverage options, COVID-19 coverage, reputation of the insurance provider, claims process, and cost. These factors will help you choose the right travel insurance policy that suits your specific needs and provides the necessary coverage.

Remember to thoroughly review the policy details, including coverage limits, exclusions, and terms and conditions. This ensures that you are fully aware of the benefits and limitations of your chosen policy.

By following the steps to purchase travel insurance after departure, you can navigate the process seamlessly. Keep your policy documents handy and stay informed about any updates or travel advisories during your trip.

While travel insurance provides financial protection, it’s important to continue practicing caution and adhere to health and safety guidelines, especially during the ongoing COVID-19 pandemic.

Traveling can be an exciting adventure, and with the right travel insurance, you can have peace of mind knowing that you are protected against unexpected circumstances that may arise during your journey. So, whether you’re already on your trip or planning to depart soon, consider purchasing travel insurance after departure to ensure a safe and worry-free travel experience.

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• Tourism & Hospitality

Can Travel Insurance Be Bought After Departure

• August 15, 2023

Can Travel Insurance Be Bought After Departure?

Travel plans can be unpredictable, and sometimes circumstances may arise that lead you to consider purchasing travel insurance after you’ve already departed. Whether you forgot to secure coverage before your trip or your plans changed unexpectedly, the question remains: can you buy travel insurance after departure? Let’s delve into the nuances of this situation, exploring the possibilities, limitations, and factors to consider.

Understanding Travel Insurance Types

Travel Insurance vs. Travel Health Insurance

Before addressing the possibility of purchasing travel insurance after departure, it’s crucial to understand the different types available. Travel insurance typically covers a broader range of situations, including trip cancellations, delays, baggage loss, and more. On the other hand, travel health insurance primarily focuses on medical coverage while abroad. Knowing these distinctions will help you make an informed decision based on your specific needs.

Buying Travel Insurance After Departure

Is It Possible?

In most cases, the window of opportunity to buy comprehensive travel insurance closes once your trip begins. Many insurance providers require travelers to purchase coverage before departing to ensure adequate protection. However, some companies may offer options for limited coverage even after departure. It’s important to note that post-departure policies might come with certain restrictions and higher premiums.

Considerations and Limitations

If you find yourself in a situation where you need insurance mid-trip, be prepared for limitations. Post-departure coverage options are likely to be more restricted in terms of what they cover. Pre-existing medical conditions, trip interruptions already in progress, and certain activities might not be eligible for coverage. Additionally, the premium for such policies tends to be higher due to increased risk factors.

Tips for Securing Post-Departure Coverage

Research and contact providers.

Begin by researching insurance companies that offer post-departure coverage. Contact them directly to understand their policies, limitations, and costs.

Assess Your Needs

Evaluate the specific coverage you require. If your primary concern is medical emergencies, consider travel health insurance for the remainder of your trip.

Document Everything

If you’re purchasing insurance due to unforeseen circumstances, document these events thoroughly. This documentation will be essential when filing a claim.

Read the Fine Print

Carefully review the terms and conditions of the policy. Pay close attention to what is covered and what is excluded from the coverage.

The Bottom Line

While purchasing comprehensive travel insurance after departure is generally challenging, limited options do exist. It’s always best to plan ahead and secure coverage before your trip. However, if you find yourself in a bind, researching reputable providers and thoroughly understanding the terms can help you make the best decision based on your situation. Remember that post-departure coverage may come with higher costs and more restrictions, so it’s crucial to weigh the benefits against the potential drawbacks.

Namaste Travel

Namaste, a common greeting in many South Asian countries, reflects a warm and respectful welcome. Namaste Travel aims to embody this sentiment as a travel agency. Specializing in journeys to the Indian subcontinent, Namaste Travel offers immersive cultural experiences, spiritual retreats, and tailored adventures. With a focus on authenticity and local connections, they strive to create meaningful travel memories.

Deira Travel and Tourist Agency Co LLC

Deira Travel and Tourist Agency Co LLC stands as a prominent player in the travel industry. Known for its comprehensive range of services, Deira Travel provides everything from flight bookings and hotel accommodations to tour packages and visa assistance. With years of experience, the agency has established a reputation for reliability and customer-centric offerings, ensuring travelers have seamless and enjoyable journeys.

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Can I Buy Travel Insurance After Departure? What You Need To Know

by Melissa Giroux | Last updated Jun 7, 2023 | Travel Tips

Already abroad? Did you realize you left without travel insurance? Or did you forget to renew your travel insurance? Finding travel insurance after departure can be tricky.

Many travel insurance companies don’t allow you to buy insurance once you have left. We found two companies that allow you to buy insurance after departure. 

Note that there are more than two, but most companies are restricted to a region, and since you guys come from different countries, I thought I should focus on the global ones.

In this guide, we’ll talk about SafetyWing, Genki, and Heymondo.

Buying post-departure travel insurance could not be any easier with SafetyWing .

In fact, if you are from Canada, Australia, or the states of Washington, Maryland, or New York; you can ONLY purchase SafetyWing Insurance after you have left the country.

As I said, many companies don’t allow you to purchase insurance after departure.

How Much Does It Cost? 

SafetyWing medical insurance starts at $45.08 for 4 weeks(28 days), and you can either put an end date on your coverage OR subscribe for automatic monthly renewals so that you won’t go a day without your insurance.

Children under the age of 10 can be added to a group plan for free (limited to 2 children per group).

How To Sign Up

Once you have created an account with SafetyWing and filled in your personal information, such as your name, home address, and country; you can register for travel insurance easily for all of your future adventures.

Signing up for SafetyWing travel insurance is done in five easy steps:

• Insurance – Choose whether you need coverage up until a specific date or indefinitely
• Destinations – Select all of the countries that you plan on visiting if you are not sure where your travels are going to take you, no worries! Just choose your first stop and any others if you need to prove you have travel insurance for a visa to those countries.
• Group members – If you are making a group trip with friends with matching passports, you can get SafetyWing travel insurance for the whole group all at once. The price doesn’t change, but it is much more convenient to have your insurance details all in one place. 
• Summary – Double-check all of your information to avoid any complications if you need to make a claim.
• Payment – SafetyWing accepts Visa, Mastercard, American Express, and Discover Card through their secure web-payment system.

Why Choose SafetyWing

SafetyWing is easy to understand, sign up for, and file a claim.

They also have an agreement with multiple hospitals both outside and inside the US where you can file a claim directly through your insurance, which means you won’t have to pay upfront for your medical services.

They also include coverage for your short visits home. For all countries except the United States, you will be secure for 30 days within a 90-day period, whereas American citizens are insured for 15 days.

If you wish to learn more, you can read our complete review of SafetyWing .

Some Downsides To SafetyWing

There are not many downsides to choosing SafetyWing, but the key thing to note is that they do not service the countries of North Korea, Cuba, and Iran.

They also only provide insurance for people up to the age of 69.

Go To SafetyWing

Genki World Explorer

Genki provides health insurance for long-term travelers such as digital nomads and backpackers.

You can get coverage from one month up to two years with a monthly subscription that you can cancel anytime.

Their pricing depends on three main things:

• The region you’re visiting
• The deductible you choose

Let’s dive deeper into their coverage options.

Genki covers medical treatment, Covid-19 treatments, sports injuries (take a look at the exclusions), assistance, hospital visits, medical transport, repatriation, pregnancy, emergency dental treatment, initial mental issue treatment, etc.

You can learn more by reading the conditions and coverage on their website .

How Much Does It Cost?

Genki offers monthly subscriptions starting at €35.70 per month.

Your age, destination, and plan chosen will influence the price.

You can cancel anytime, which is great if you don’t know how long your trip will be.

To sign up on Genki, head to their website and enter your information. You’ll be able to choose a few options.

Regarding deductibles, you’ll get two options:

• Everything will be paid in full.
• A deductible of €50 will apply per case.

When it comes to destinations, let’s take a look at your options:

• Worldwide: You are covered everywhere, but the coverage in your home country is limited.
• Worldwide excluding Canada & USA: Like the Worldwide option but with cover in Canada and the USA limited to 6 weeks per 180 days.

Why Choose Genki

I like how Genki offers you options to curate a plan that suits your budget and needs.

In the end, Genki might be a cheaper option if you’re less than 30 years old.

I believe their coverage might even be better than Safety Wing, but it’s still a new company, so it’s worth comparing both to see what suits you better.

Some Downsides To Genki

As I just mentioned, Genki is a newer health insurance provider, and while it looks promising, it doesn’t have the same popularity as SafetyWing.

That said, it’s worth comparing both products to find one that suits you.

Go To Genki

Heymondo provides tailor-made travel insurance for short-term and long-term travelers.

They offer different types of insurance:

• Single trip
• Annual multi-trip

The price can change depending on your home country, destination, and plan type chosen.

You can get a free quote on Heymondo by picking a plan and entering your country of residence, destination, and departure dates.

You can learn more by reading the conditions and coverage on their website or our Heymondo review .

The pricing depends on your trip, regions covered, and chosen options. The cost can change from one trip to another depending on your nationality, and so on.

So, the best way to find the correct pricing is to go to their website and calculate the quote for your specific needs.

The good news is that our readers get 5% off on their plans. By using our links, you’ll get the discount automatically.

To purchase a plan on Heymondo, head to their website and enter your information. You’ll be able to choose between different plans, so make sure to pick the one that suits your needs.

When it comes to coverage, you get to choose between different options:

• Specific country
• World, including Canada and USA
• World, excluding Canada and USA

Why Choose Heymondo

I like that Heymondo offers different plans to suit different types of travelers. You can find an option that suits your budget and trip even if you’re already abroad.

You’ll also get access to an exclusive app so that you can get the help you need during your trip.

Some Downsides To Heymondo

Heymondo only offers coverage abroad, so you won’t be covered in your home country. While this may be an issue for some people, it might be okay with you.

Go To Heymondo

Final Thoughts On Travel Insurance After Departure

Travel insurance is a must for any traveler. It can provide peace of mind if something goes wrong while you are on your trip.

Make sure to purchase travel insurance before you leave, and read the policy carefully to understand what is covered.

That said, if you forget to buy it before your trip, you’ll be able to buy it after departure.

If something does happen while you are away, make sure to contact the insurance company as soon as possible.

That said, if you forgot to purchase insurance before your departure, don’t worry. You still have options like the ones mentioned above.

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

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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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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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Make payment history, travel insurance after departure: stand out for your journey.

Travel is an exhilarating experience, expanding our horizons, immersing us in diverse cultures, and crafting unforgettable memories. Amid the excitement, it's crucial to remember post departure travel insurance , ensuring peace of mind throughout your journey. Let’s explores the significance of post-departure travel insurance and highlighting its essential benefits with Travelner .

Post departure travel insurance provides peace of mind during your journey and ensures you are protected against unexpected expenses.

1. What is travel insurance after departure?

Travel insurance after departure refers to purchasing travel insurance coverage for a trip after you have already begun your journey or after your departure date.

The travel insurance after departure stands out for these key below:

1.1. Peace of mind:

One of the key reasons why post-departure travel insurance stands out is the peace of mind it offers. Knowing that you have a safety net in case of unforeseen events can significantly enhance your travel experience. It allows you to focus on exploring new destinations and creating memories, rather than worrying about what might go wrong.

1.2. Flexibility:

Post departure travel insurance provides a level of flexibility that is invaluable to travelers. It allows you to make changes to your travel plans without the fear of losing money. Whether you need to extend your trip, change your itinerary, or even return home unexpectedly, your insurance can adapt to your needs.

Post-departure travel insurance offers allow you to adjust your plans without fear.

1.3. Expert assistance:

At this point, having access to expert assistance can make all the difference. Many post-departure travel insurance policies offer 24/7 support lines staffed by professionals who can help you navigate challenging situations. Whether it's a medical emergency or a travel-related issue, knowing that help is just a phone call away can be incredibly reassuring.

Travel insurance after departure is a wise investment for any traveler. It provides comprehensive coverage, ensures peace of mind, and offers the flexibility and expert assistance needed to navigate the unexpected situation of a journey. So, before you embark on your next adventure, make sure you have the protection of travel insurance post departure.

Travel insurance post departure is a wise investment for travelers that providing comprehensive coverage.

2. Can i buy travel insurance after departure?

In certain situations, it is possible to buy travel insurance after departure. However, you need to review the policy because some travel insurance plans offer post departure coverage and some plans are not.

Moreover, while it is possible to buy travel insurance after departure, it's generally recommended to secure coverage well in advance of your trip. Planning ahead ensures you have comprehensive protection and allows you to tailor your policy to your specific needs. Remember that the availability and terms of post departure coverage can vary among insurance plans, so it's essential to do your research and choose the option that best suits your circumstances.

Travel insurance can be purchased post-departure, but it's recommended to secure coverage well in advance.

3. How to buying travel insurance after departure?

Travel plans can change, and sometimes, you might realize the importance of travel insurance after you've already embarked on your journey. Fortunately, it's still possible to secure travel insurance even after your departure. 

3.1. Check if it's still possible:

The first step is to determine if you can still purchase travel insurance after departure. Many travel insurance providers require you to buy a policy before you leave for your trip. However, some may offer options for late purchase or coverage extensions. Therefore, you can review the travel insurance plans that you are interested in and contact customer service to check the policy on purchasing coverage after departure.

3.2. Research travel insurance plans:

If you find that it's possible to buy travel insurance after departure, research various insurance plans to find one that suits your needs.

You should review plans and contact customer service to check the post departure travel insurance policy.

3.3. Get a quote:

Utilize the data you've obtained to gather a price estimate for your travel insurance coverage. Verify that the insurance includes coverage for both the period of your trip and the particular dangers you are worried about.

Besides that, it is important to note that post departure travel insurance policies typically have certain exclusions. For example, they may not cover pre-existing medical conditions, claims that arise from activities that are considered to be dangerous, or claims that are related to events that occurred before the policy start date.

Post-departure travel insurance policies often have exclusions, so you should check it carefully.

While your journey may have already commenced, it's essential to recognize that the quest for protection is a timeless endeavor. In fact, it's never too late to take proactive steps to safeguard yourself, your loved ones, and your valuable assets with travel insurance after departure. If you are looking for a tailored travel insurance for your trip, visit the Travelner website, we offer a wide range of plans and a 24/7 assistance team to support you in exploring the right plan with detailed information.

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Table of Contents

When can you buy travel insurance?

When is the best time to buy travel insurance, when is it too late to buy travel insurance, if you want to buy travel insurance after booking.

When you’re planning a trip away from home, travel insurance provides peace of mind, especially for pricey vacations. Maybe you’ve already started booking a trip and only now realized travel insurance might be a good idea. You may be wondering, “Can I buy travel insurance after booking my trip or purchasing plane tickets?”

The short answer is: Yes, you can.

However, timing is everything when it comes to buying travel insurance — and some options won’t be available if you wait too long. Here's a look at buying travel insurance, the best times to purchase it and when it’s too late to get it.

Depending on what you’re doing, travel insurance can provide coverage for a variety of situations, including medical care, trip delays, lost luggage and even trip cancellation.

If travel insurance is something you’re considering, you’ll want to purchase it sooner rather than later — but not before booking your travel.

Many travel credit cards come with complimentary travel insurance .

Before booking

You won’t want to buy insurance before you book any travel, especially if you aren’t firm on your plans. Policies such as trip cancellation insurance are meant to protect you against nonrefundable losses that you have incurred. If you haven’t booked your travel yet, you won’t know your out-of-pocket costs or how much coverage you’ll need.

After booking

While it’s not recommended to purchase travel insurance before booking travel, you’ll want to do so as soon as your reservations are made. At this point, you can expect to see the greatest number of options to choose from, including Cancel For Any Reason insurance .

It is possible to purchase travel insurance up until the very last minute — most insurance companies will allow you to buy a policy until the day before departure. Keep in mind that your options will be limited if you wait, however, and some benefits such as trip cancellation and interruption may no longer be available.

» Learn more: How to find the best travel insurance

The best time to purchase travel insurance is as soon as your reservations have been made. Waiting a long period of time after booking your trip can make you ineligible for certain types of insurance. Examples of this include:

Pre-existing medical condition insurance. This is time-sensitive insurance and allows for treatment for existing medical conditions if they’re aggravated by travel. You’ll need to be medically fit to travel at the time you purchase this coverage. You must also insure 100% of your trip. Finally, the time period you have to buy the insurance will vary according to the provider; generally, you’ll be expected to purchase this 10 to 21 days after first putting down a deposit.

Cancel For Any Reason insurance. As the name suggests, this insurance allows you to cancel your trip and receive a portion of your nonrefundable costs back, no matter the reason why you’re canceling. Typically, you’ll need to purchase CFAR insurance 10 to 21 days after putting down your initial deposit. Providers may also require you to cancel your trip earlier than 48 to 72 hours before your scheduled departure.

Finally, your ability to buy travel insurance evaporates if you aren’t already covered when an event arises. Just like you are unable to buy cell phone insurance when you’ve already cracked your screen, you can’t buy most types of travel insurance if your trip has already been affected.

Let’s say that you booked a trip to France last June. You’ve been intending to buy trip cancellation insurance but have been putting it off. However, just two weeks before you’re set to leave, you slip down a set of stairs and break your leg. Now you’re rocking a set of crutches and there’s no way you’re fitting in that economy class seat you’d booked.

Trip cancellation insurance would have covered you for any nonrefundable purchases you’d made due to your unforeseen injury. But now that your leg is already broken, it’s no longer an option. Because trip cancellation insurance isn’t retroactive, you’ll just have to absorb the cost.

» Learn more: Trip cancellation insurance explained

How close to a trip can you buy insurance? We’ve outlined some specific situations above in which you’re no longer able to buy travel insurance, including time-sensitive policies that must be purchased soon after you make your reservations.

Otherwise, you’re able to buy most types of travel insurance all the way until the day before you begin traveling. Any time after that — even 12:01 a.m. on your departure date — and it’s too late to insure your trip.

Can you buy travel insurance at the airport?

No, you can’t buy travel insurance at the airport. You also can’t buy it when you’ve already boarded your cruise, you’ve chosen not to attend a tour or your flight is so late it causes you to miss your connection.

» Learn more: What does travel insurance cover?

Travel insurance can be a good idea for many reasons, especially if you’re worried about anything going wrong during your trip or if you’ve invested a lot of money into a vacation. Happily, for procrastinators, most types of travel insurance are available after you’ve already booked your travel. You’ll simply need to make the purchase at least one day before travel.

However, there are some types of coverage that you’ll need to buy soon after booking or they won’t be available. These include Cancel for Any Reason insurance as well as pre-existing medical condition insurance. So if you are interested in buying travel insurance, purchasing a policy soon after booking your trip is the best way to go.

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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Medical, Life and Travel Plans!

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Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.

Learn more about travel medical policies in this article and get to know which plans for traveling abroad fit your needs.

What is International Travel Health Insurance?

When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.

What Does Travelers' Medical Insurance Cover?

Depending on the plan you choose, your travel insurance policy can offer:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum limits from $50,000 to up to $8,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to up to $25,000
• Renewable for up to 36 months
• Other benefits like travel delay/cancellation, baggage loss/delay
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Is Travel Health Insurance Worth It?

The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.

Recommended Medical Travel Insurance Plans

We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue's Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick's Safe Travel USA is designed specifically for foreigners visiting the USA .

Pro Tip: Visit our Travel Insurance Guide to find which type of plan is best for your situation.

Recommended Plan for US Citizens Traveling Abroad

GeoBlue's Voyager Travel Insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Option for All International Travelers

Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition
• Coverage from 5 days to 364 days - extensions are available

Recommended Plan for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and "acute onset of pre-existing conditions".

Trawick Safe Travels USA

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage

Affordable Plans with Great Coverage and Benefits

Our suggested plan based on affordability, benefits, and service is the Atlas Travel Insurance Plan. Don't be fooled by the price - the benefits are very comparable to those offered by more expensive insurers.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Or See for Yourself: Compare Travel Medical Insurance Plans

Frequently Asked Questions

How much does travel health insurance cost.

You can see in the table below that plans can cost from as low as $0.80 per day to as high as $5 a day , sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.

Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.

Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower. Travel health policies also do not cover trip cancellations , so their premiums are lower than usual.

Costs and Benefits of a Travel Medical Insurance Plan

The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation, and more.

How Optional Coverage Adds to the Cost of Your Policy

Many plans offer additional optional benefits for an additional cost. For example, you can add coverage for adventure trips, mountaineering, or Accidental Death and Disability (AD&D). Each additional benefit will increase the price of your plan. In general, the increase in premiums is affordable and worth the added expense if you feel you need that additional coverage.

What Are the Different Levels of Health Insurance for Traveling Abroad?

There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.

• The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
• You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered. 
• You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle. 
• Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.

Among our most popular plans for US citizens is the GeoBlue Voyager Plan , which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.

Atlas Travel Insurance is a comprehensive travel medical policy that includes hospitalization and doctor coverage. It also includes coverage for lost luggage. You can customize the policy to include optional coverage for extreme sports .

The Patriot Platinum Insurance provides optional coverage for extra riders, including personal belongings and and extreme sports. This is perhaps the best medical policy for traveling abroad because it provides world-class coverage and access to the best service and assistance for traveling outside your home country.

You can review the list we made of the Best Travel Insurance Companies to get a better idea of which provider to choose.

For long-term travelers, expats, or individuals moving abroad for a year or longer, an international medical insurance plan might be a better option. These plans provide more comprehensive medical benefits but lack some of the coverage offered in travel health plans, such as trip interruption.

What Is the Cheapest Travel Medical Insurance Plan?

We offer a variety of medical plans for traveling abroad, and they come at a range of different price points.

When it comes to medical coverage, the best value travel insurance plan is one that covers specific benefits you need at a price you can afford. Some inexpensive plans do not cover the most important benefits or cover them with limited value. Other low-cost policies provide considerable travelers' medical insurance coverage, but their service is not as good, so it will be frustrating to use it in emergencies.

International Citizens Insurance has filtered the best insurance providers that offer affordable plans with good coverage and excellent service. For the most affordable and reliable plans, we recommend the following options:

How Do I Purchase an International Travel Medical Policy?

Applying for a travel health plan is easy. Just answer a few questions about yourself and the planned trip to get the initial quote. From there, you can refine the plan and see how much the travelers' medical insurance will cost by selecting and deselecting different benefits and their maximum coverage amounts. You can also tweak the deductibles, optional add-on features, and other portions of the policy, if possible.

Use our Plan Picker to get started!

When you are satisfied with the quote after adjusting the cost and benefits of the plan, you can proceed with the online application and pay for the plan using your credit card. A confirmation email will be sent along with policy documentation and relevant contact details should you need emergency medical assistance on your next trip.

We have listed some of the best medical insurance for international travel. Just follow the links on each one to learn more about the plan.

Do These Plans Cover My Visa Requirements?

In most cases, they do. The short term medical insurance plans we offer are designed to meet, and even exceed, most visa requirements of most countries. We also have plans that can meet Schengen Visa Insurance requirements.

Before traveling to a country, check the visa requirements to ensure you purchase the maximum benefit and deductible amounts required. Most countries require at least $50,000 of coverage in medical benefits, along with a specific deductible amount.

Check the visa requirements for the country you are traveling to, and then when purchasing your policy, you can select the level and benefits that meet those requirements.

Read More: Insurance for Your Travel Visa

Can You Buy Just Travel Medical Insurance?

Yes, definitely.

International travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. Suppose you are in an accident and need medical care. In that case, these plans are designed to help you find a doctor, get you treated in the best facilities available, cover necessary medical prescriptions, and provide continuous care.

Note: These plans will typically not cover any pre-existing conditions you might have. Before you sign up for a policy, check the part pertaining to pre-existing conditions to clarify any questions or concerns regarding that portion.

Your policy may not cover treatment for accidents or illnesses that occur while participating in certain dangerous activities. Some plans offer adventure sports coverage as an optional add-on. If you plan to partake in hazardous activities or sports events that pose a high risk of getting injured, it is best to get this add-on on top of your base-level coverage.

Some policies, known as trip cancellation plans , also cover the cost of your trip if you have to cancel, and are typically more expensive. If you only want coverage for medical emergencies, a travel medical plan is right for you.

Not sure where to start? Use our Pick a Plan tool.

How Does International Travel Medical Insurance Compare to Trip Insurance?

With the wide variety in names and coverage of travel, trip, and medical plans, it can be confusing to select which one is the most appropriate for your needs. Different service providers offer several levels of coverage, so a travel insurance plan provided by one insurer could be completely different from those offered by competitors.

Trip insurance is a short-term solution that covers trip cancellation, protection, and limited emergency medical coverage. This type of policy is usually available only for up to 62 days.

A travel health insurance plan is more comprehensive. It provides increased medical coverage from what a regular trip or travel insurance policy does. This type of policy is best for travel periods lasting from 5 days up to a year.

If you are considering longer-term coverage or more comprehensive medical benefits, read these guides to help you see the available options:

• Expatriate Insurance or Travel Insurance: What is the Difference?
• Overseas Health Insurance Coverage

Do I Need to Buy Health Insurance for Traveling Abroad?

Travel health insurance is a short-term solution for those who are traveling outside their home country anywhere between 5 days and a year. Whether it is for business or pleasure purposes, getting adequate coverage is an essential part of ensuring safe travels.

Having a health plan at home will not guarantee you coverage when you travel to other countries. And usually, if it does provide coverage, it will be limited and will not cover the most important areas that need to be addressed.

The plans we offer can work for a broad range of traveling individuals, including international vacationers, immigrants, relatives visiting from overseas, and foreign au pairs and nannies.

The best part about global travel health insurance policies is that they are available to all nationalities traveling abroad.

Which Countries Require Travel Medical Insurance to Enter?

Most countries that were requiring medical travel insurance with COVID-19 coverage at the height of the pandemic are no longer requiring it. However, it is still highly recommended. (Read our guide for more specific details on the latest travel insurance requirements.) Double-check all requirements before booking your travel policy. Below is a list of countries that still require travel medical insurance as of December 2023.

• Saudi Arabia
• the Czech Republic
• Liechtenstein
• the Netherlands
• Switzerland

Recommended Travel Medical Plan Options for US Citizens

The following rate tables below show the cost per day for U.S. citizens traveling outside of the U.S.

GeoBlue Voyager Choice

IMG Patriot International

WorldTrips Atlas International

Trawick Safe Travels Outbound

Rates were last updated on March 4, 2024

Recommended Travel Medical Plan Options for All Nationalities

The following rate tables below show the cost per day for international (non-U.S.) citizens traveling abroad, including trips to the U.S.

The plans, IMG Patriot America, WorldTrips Atlas America and Seven Corners Travel Medical, provide coverage worldwide, including inside the U.S. and outside the U.S.

Trawick Safe Travels USA only provides coverage inside the U.S.

IMG Patriot America

WorldTrips Atlas America

Seven Corners Travel Medical Plus

Pro Tip: Visit our Plan Picker to find the best plan at the right price for your trip.

How Much Travel Medical Insurance Do I Need?

It depends on where you’re going, what your home coverage is like, and what you plan to get up to!

• For shorter trips, you can probably get away with less coverage. But if you’re traveling extensively, you might think about a more thorough policy. If you are taking several trips throughout the year, consider annual travel insurance so you’re always covered.
• How’s your health? If you have conditions that need regular treatment or medications, make sure your policy is up to the level of care you need while abroad. Most plans will exclude coverage for pre-existing conditions, so be aware of that. 
• If you’re going somewhere with a high level of medical care easily available, you probably don’t need medical evacuation or repatriation. Consider adding it if you’re going into the wilderness, staying somewhere rural and far from care, or making an adventure trip.
• Speaking of, what are you planning to do on your vacation? You might be surprised by some things insurance companies consider “extreme sports.” If you’re planning anything outdoorsy, check if your activity requires special coverage.
• Some countries require a travel policy to get a visa. For instance, the Schengen visa requires a minimum of $50,000 in medical coverage. Check the visa rules for the place you’re traveling to.

Different Types of Health Plans for Travelers

Here at International Citizens Insurance, we provide a wide range of travel health plans from some of the leading insurers. Among our most popular plans are the Atlas and Patriot Plans, which have different levels to choose from, each designed to suit the needs of various travelers.

Atlas Travel Insurance is a comprehensive policy that includes hospitalization and doctor coverage. It can also include insurance on lost luggage. You can customize the policy to include optional coverage for extreme sports .

With Patriot Platinum Insurance , you can get coverage for extra riders and extreme sports when you add them. This is one of the best travel medical insurance plans for traveling abroad, providing world-class coverage and access to the best service and assistance for traveling outside your home country.

Annual, Multi-Trip Travel Insurance Plans for Frequent Travelers

International coverage for travel is available as a single-trip plan that covers a specific trip for a specified number of days.

But a multi-trip or annual travel insurance plan can cover all trips outside your home country during the year. This is usually valid for a year and up to a certain number of days per trip. This is a more cost-effective medical insurance for traveling abroad, especially if you are a frequent traveler.

If you are looking for one of the best travel health insurance policies we offer, consider the GeoBlue Trekker annual travel insurance plan. See the link below for more details on the policy and how you can get a quote before your purchase online.

Annual Plan for any Nationality

Seven Corners Travel Medical Annual Multi-Trip

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

GeoBlue Trekker Plan for US citizens

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Buy One of Our Recommended Travel Medical Plans

Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

GeoBlue Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

A message from the Center for Disease Control : Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

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Dream ◇ Create ◇ Travel

Popular categories, how to buy travel insurance when you’re already abroad (after departure).

By: Charlotte · Last updated 16. November 2023 · In: Travel

Are you wondering whether or not you can buy travel insurance when you’re already abroad ? Fear not, there are a few companies that offer travel insurance that you can buy or extend even after departure. Let’s take a look at a subscription-based travel insurance for digital nomads and long-term travelers.

Watching the sunrise over the clouds looking out the tiny airplane window, you are ecstatic that in just two hours you will reach your next pin on the map. The sun is bright, and the anticipation of all the new experiences your next adventure will bring is keeping you on the edge of your seat. There is just one problem. You can’t help feeling as if you are forgetting something.

Is it my phone? No. My extra camera battery? No. My Passport? No. A quick inspection of your carry-on bag eases your mind, but it’s a feeling that just won’t go away.

Then it finally hits you. You forgot to buy travel insurance before you left. The panic sets in and you think is it too late? I’m already halfway around the globe.

Or you might realize when you’re already abroad that your current insurance only covers a certain amount of days of travel. Been there done that!

Disclosure: I’ve written this SafetyWing Nomad Insurance review to the best of my knowledge and understanding, however, changes to insurance policy terms can happen. Use the information within this article at your own discretion. Before purchasing a policy do your own research and make sure all your personal travel needs are covered!

Article overview

Do I really need travel insurance?

How to choose the right travel insurance, purchase a policy with safetywing, remember to pin this for later 😉, travel insurance when you’re already abroad.

Travel plans can change very quickly. You might fall in love with a person or a place or discover that you’re supposed to live out of a backpack for at least another year.

The ability to make spontaneous decisions on the road is one of the main reasons why many of us love to travel. I live for the feeling of freedom when I don’t have any set plans and know I can go wherever I want whenever I want. However, deciding to extend your time overseas can sometimes be a bit tricky. Especially when it comes to travel insurance.

The good news is that it’s NEVER too late to buy or extend your travel insurance , even when you’re already abroad . The trick is finding the right company to suit you and your travel needs.

While many companies offer travel insurance, a select few let you buy a policy when you’re already abroad or if you don’t know the exact length of your trip. Some of these include World Nomads, True Traveller (for UK residents) and SafetyWing .

One travel insurance you can buy when you’re already abroad is SafetyWing Nomad Insurance . A travel and medical incident insurance built specifically for digital nomads by digital nomads.

At least, that’s my personal choice. SafetyWing is a Norwegian and United States-based company with remote team members all over the globe. They offer exactly the type of coverage needed for long-term travelers and digital nomads, even if you’re already abroad .

SafetyWing says “we’re here to remove the role of geographical borders as a barrier to equal opportunities and freedom for everyone.”

I’m so happy to now know that a company like SafetyWing exists as I’ve wasted so much money in the past on ridiculously expensive plans for long-term travel. When I moved to Indonesia at the beginning of 2019, I had so much trouble finding an insurance provider in Norway willing to cover me over the standard 70 days.

I could literally have saved hundreds of dollars and so much time had I known about SafetyWing back then!

You can find my full review of SafetyWing here .

For those of you who might be thinking, is travel insurance really all that necessary? I’m healthy, young and plan on taking in the sites at a leisurely pace. Or maybe not?

Maybe you are planning on ziplining over the Amazon Rainforest, sand surfing in the Sahara Desert, scuba diving on the Great Barrier Reef or riding in a hot air balloon over Turkey. Either way, the answer is YES!

Travel insurance is always a good idea because the reality is, anything can happen. With the SafetyWing Nomad Insurance (travel and medical insurance), you can have peace of mind that your next adventure is covered. Let’s put it this way if you can’t afford travel insurance you can’t afford to travel!

• Lost luggage: We’ve all known at least one person who has lost their luggage while traveling and what a true nightmare it can be. For a nomad, especially those without a permanent address, your luggage is your lifeline. When traveling away from home, your possessions are everything and being without them can be nerve-wracking. Don’t let the fear of losing luggage stop you from living out your dreams.
• Risky Business: Secretly an adrenaline junkie? If you have an adventure-seeking soul and plan to take in the sights with fast-paced, exhilarating thrill activities, medical coverage is definitely necessary. Safety Wing nomad insurance covers anything from ambulance rides to hospital stays (including intensive care). Some exclusions do apply so make sure to check the fine print on all SafetyWing nomad insurance policies .
• Cough, cough, achoo: Dancing in the rain in Tuscany was 100% worth it, but the cold you got in return will just not go away. In fact, it turns into pretty serious No problem. Safety Wing has you covered. As long as your medical issues do not stem from a pre-existing condition (see policies for more detailed information), you can receive medical care and get back to your adventures as a happy, healthy nomad.
• COVID-19: This is one we can not forget to mention. A new policy for COVID-19 coverage from SafetyWing can be found on their website. Their coverage may include testing and quarantine if deemed necessary by a medical professional. Please check all policies, terms, and conditions for more detailed information.
• Monkey or snake bite: Ok, that’s a little extreme, but you get the point. Anything can happen from natural disasters to political strife and serious injury. Sometimes what you least expect to happen, happens. No one ever wants their travel to abruptly come to an end, but sometimes in severe cases evacuation or relocation is necessary. Having nomad insurance in your back pocket (or your fanny pack) lets your breath easy, knowing that you will be covered if disaster strikes.
• Always read the small print before buying a policy and make sure that everything you might need is covered.
• When you need to renew make sure you are allowed to buy the policy when already traveling. With SafetyWing your insurance automatically extends every 28 days until you pick an end date. It’s just like a subscription so you never have to pay for coverage you don’t need.
• Medical coverage is the most important part of travel insurance, nothing else matters if you don’t have your health. Make sure the policy you buy includes emergency evacuation and repatriation.
• Are you covered in your home country as well? With SafetyWing you keep your medical coverage for 30 days in your home country after being abroad for 90 days. (15 days if your home country is the U.S.)
• Double-check which activities and sports your insurance covers, especially if you are going to be doing things like quad biking, spelunking and white water rafting. You might need to pay extra to include high-risk activities. You can find a list of the sports and activities covered by SafetyWing here .
• If you travel with expensive electronics like a camera or laptop you might need to buy additional coverage. The same goes for expensive clothes and accessories, make sure to check how much the policy you consider covers if your luggage is lost or destroyed.
• It’s often cheaper to exclude the US, so only choose a worldwide policy if you don’t know where you’ll be traveling to or you don’t want to limit yourself.
• Check the deductible (the amount of money that you are responsible for paying toward an insurance claim). The higher the deductible the cheaper the policy, but make sure you can actually afford the deductible.

Convinced yet that you need to acquire travel insurance?

If so, follow this link to the SafetyWing Nomad Insurance page. Here you can easily sign-up and find information on their current insurance policies including Nomad Insurance and Remote Health. Read through the Nomad Insurance specifics , even the small print and decide if SafetyWing covers everything you need in a travel insurance.

The best part about the SafetyWing Nomad Insurance is that it can be customizable to your needs as far as when to start and end. Like a subscription-based service, your insurance will be automatically extended every 28 days.

So, no trying to remember to re-enroll. You can keep exploring without having the nagging feeling that you have forgotten something yet again. Completely focus on your travels with peace of mind that you are covered with SafetyWing Nomad Insurance.

Again, you can find my complete SafetyWing review here where I talk about the positives but also the limitations of the Nomad Insurance.

Have you bought travel insurance when you were already abroad before?

About Charlotte

Charlotte is the passionate traveler and online business coach behind Sunshine Seeker. She started working as a content creator on Instagram in 2014, before social media was even a thing, and as a travel blogger in 2015. Over the past 14 years she has explored 45+ countries and lived in Oslo, Kraków, Bali and Lombok. Every month she helps more than 50,000 people plan their adventures and learn how to create more freedom by working online.

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When To Buy Travel Insurance and How To Best Time Your Purchase

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What Is Travel Insurance?

Benefits of buying travel insurance when you book, drawbacks of buying travel insurance when you book, pre-travel insurance benefits, how early you can purchase travel insurance, how late you can purchase travel insurance, what happens if you buy travel insurance after departure, is credit card travel insurance enough, final thoughts.

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Timing is key when buying travel insurance. It’s best to buy travel insurance within 2 weeks of making your first trip payment . You can buy travel insurance at any time, even after departure with some travel insurance providers. Still, the coverage and policy pricing is better when you buy travel insurance shortly after booking .

The sooner you buy travel insurance, the sooner you’re covered for your travel insurance policy, whether the tour company goes out of business or you get sick before your trip.

Let’s look at the best time to buy travel insurance and the advantages you get when you purchase your travel insurance policy right after booking.

Travel insurance is a type of insurance coverage that offers financial protection and assistance when you’re traveling . Benefits often include trip cancellation, trip interruptions, medical emergencies, baggage loss or delay, and rental car coverage.

When To Buy Travel Insurance

The best time to buy travel insurance is within 2 weeks of making your first travel payment , whether that’s booking a flight or putting down a cruise deposit. Generally, any time you make a nonrefundable travel deposit, it’s a good idea to get travel insurance shortly thereafter. 

For example, you should get travel insurance after you buy nonrefundable airfare, or when cancellation penalties kick in for cruises or tours.

Buying travel insurance shortly after booking gives you immediate coverage for your nonrefundable travel expenses . While you don’t have to get travel insurance right at the booking process, earlier is better. Once you get travel insurance, you’re covered when a trip has to be canceled due to covered reasons. 

When you buy travel insurance at booking, you’ll maximize your coverage period for trip cancellation insurance. As long as your trip cancellation insurance is active, you’re covered if you need to cancel your travel due to a covered reason such as illness, injury, death of a family member, natural disaster, or job loss.

Also, your coverage options are usually better when you purchase travel insurance shortly after booking. Some travel insurance companies consider the 2 weeks after booking travel arrangements an advantage period and offer additional coverage or options during this period. 

For example, some travel insurance policies offer preexisting medical condition coverage if purchased shortly after booking. If you want preexisting medical condition coverage, you may need to purchase your travel insurance either before or within a day of your final trip payment. 

In an advantage period, insurance providers may also offer coverage for the financial default of travel suppliers and may allow you to add optional coverage such as cancellation insurance.

You also lock in pricing when you purchase travel insurance early. Your premium rate won’t increase if you’ve locked it in when you buy travel insurance. But rates could change if you wait until later to secure your travel insurance policy.

Coverage and maximum benefits aside, buying travel insurance when you book just makes sense so you don’t forget to buy it later.

Paying for a travel insurance policy at booking could strain your travel budget , as it adds another expense on top of the cost of your trip. It could be a lot to pay for at the same time as trip deposits. While you get the most value from your coverage when you buy it early, it could be easier on your budget if you wait and spread out the expense .

You’ll have to estimate the total trip cost you want to cover when you buy your travel insurance policy. If you’re not done booking everything before you buy travel insurance, you might estimate wrong. That means you could have too much or too little coverage for your actual travel costs.

When you buy travel insurance before your trip departure, you’re covered for cancellation due to covered reasons such as illness or injury before your trip, the death of a family member, job loss, or the airline or tour operator going out of business.

Timing varies between insurance companies, but you can generally get travel insurance up to 12 to 18 months prior to departure . On an annual plan, you can get 12 months of coverage before you need to renew.

You can buy travel insurance before you’ve made your final payment. Even if you’ve only made a deposit, you can enter the total trip costs when you get your travel insurance policy.

Generally, you can purchase travel insurance up to the day before your departure date, though some policies are available post-departure. When you purchase your coverage that close to departure, you generally can’t use your trip cancellation benefit. And you probably won’t be eligible for preexisting condition coverage or Cancel for Any Reason coverage . But you’ll still have the advantage of other coverages such as trip interruption and emergency medical benefits. 

It’s fine if you need to pick up travel insurance for last-minute bookings . You generally won’t pay more compared to paying weeks earlier, but you may miss out on coverage features.

Some travel insurance companies allow you to buy a policy after departure. However, your coverage will be subject to waiting periods, conditions, and restrictions. For example, you generally have to wait up to 24 hours for your plan’s trip cancellation and interruption benefits to become active.

Travel insurance is available with many credit cards, but it’s generally less comprehensive than a travel insurance policy. When you consider whether your credit card travel insurance benefit is adequate for your trip, check the coverage limits, what’s covered, and how long it’s covered.

You might not need a standalone travel insurance policy if you’re traveling domestically, have health insurance coverage at your destination, and your major costs, such as air travel and hotel bookings, are flexible or refundable.

The timing of buying travel insurance can influence the value and coverage you get from your travel insurance policy. When you buy travel insurance early, ideally at booking or within 2 weeks of your first trip payment , you’ll get additional benefits such as maximizing your trip cancellation coverage period and access to Cancel for Any Reason coverage. Read our guide to find some of the cheapest travel insurance policies available.

Getting travel insurance closer to your trip departure — or even after departure — is still an option and will offer major travel insurance benefits, but you won’t get as much coverage as you could with an early travel insurance purchase.

Frequently Asked Questions

Is it better to buy travel insurance early or late.

It’s best to buy travel insurance as early as you can. The sooner you get travel insurance, the sooner your trip is covered, and you’ll likely be eligible for more benefits.

How far ahead should you get travel insurance?

You should get travel insurance as soon as you’ve booked travel. Generally, travel policies are available as early as 12 to 18 months before departure, but availability depends on the insurance company and policy.

Does travel insurance get more expensive closer to your trip departure date?

Don’t expect your travel insurance costs to increase or decrease as you get closer to your trip departure date. The cost of travel insurance generally stays the same no matter when you buy it, though the value differs because the later you book, the less value you’ll get.

Does it matter when I buy travel insurance?

The timing of buying travel insurance matters because the earlier you buy your coverage, the earlier your trip is protected. This early trip protection is especially important concerning trip cancellation, which reimburses your prepaid nonrefundable trip costs if you need to cancel your trip for a covered reason.

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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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When to Buy Travel Insurance: Timing Your Purchase Perfectly

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• 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.

Ideal timing for travel insurance purchase

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.

Advantages of purchasing travel insurance early

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."

Important: Cancel for any reason coverage is not available on annual travel insurance plans. This add-on can only be purchased for single-trip policies.

When is it too late to buy travel insurance?

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."

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When to buy travel insurance frequently asked questions

How soon after booking a trip should i buy travel insurance.

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

Can I buy travel insurance on the day I leave for my trip?

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. 

Does the length of my trip affect when I should buy travel insurance?

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.

What if I need to add coverage or make changes after purchasing travel insurance?

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

Are there any disadvantages to buying travel insurance too early?

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.

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Travel Insurance After Departure

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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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