How to Buy Travel Insurance After Departure

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Can I buy travel insurance after departure? Yes, you can but only with a few insurance companies. 

Finding travel insurance when you’re already travelling is challenging. As digital nomads, we started out with a one year long term travel insurance policy, like many round the world travellers, but unlike them, after a year we carried on travelling.

We discovered that we couldn’t extend our insurance and new policies required us to be living in the UK at the time of purchase. As we were overseas, we didn’t know what to do and went uninsured for months—not a good idea. 

Thankfully, we discovered it is possible to buy travel insurance when you’re already abroad—whether you forgot to buy insurance before departure or you want to travel for more than a year. 

While most companies don’t allow you to buy travel insurance after departure, there are a few reliable insurers that do.

The best we’ve found are True Traveller (UK and EU residents), World Nomads (available worldwide), and SafetyWing (worldwide). 

We now always make sure we’re insured because if anything went wrong it could cost us thousands to be evacuated in a medical emergency. 

This post was originally published in June 2014 and was last updated in April 2020 with information about insurance coverage of coronavirus. 

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Coronavirus Update

In April 2020, coronavirus (COVID-19) is spreading around the world and will affect many travellers this year. 

Will your travel insurance cover coronavirus? Here are the policies of three travel insurance companies that allow buying travel insurance during a trip (more general details on them are found below). 

Note that most travel insurance companies do not cover pandemics so be very careful about purchasing a policy that claims to cover COVID-19 and make sure they are a reputable company.

It is very unlikely that you will be covered for COVID-19 if you purchase a travel insurance policy now.

The best option we’ve found is the Remote Health plan from SafetyWing (see below for details) which does cover coronavirus but is a global health insurance plan rather than travel insurance (it won’t cover baggage or cancellation).

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True Traveller Coronavirus Policy

True Traveller will cover coronavirus if you purchased your policy before 13:00 GMT on 16 March 2020 except if you travel to a country that the FCO advises against travel to. 

This includes Hubei Province in China and the cities of Daegu, Cheongdo, and Gyeongsan in South Korea. Your True Traveller insurance is not valid in these places. 

The FCO also advises against all but essential travel to mainland China (not including Hong Kong and Macao), Italy, San Marino and Iran. If you travel to these places, True Traveller insurance will not cover you for coronavirus, but it will cover you for unrelated issues (lost baggage, illness, accidents, etc). 

The situation is changing fast so I recommend you check the FCO travel advisory page and search for the country you are travelling to. 

You can also check the True Traveller coronavirus page which has more information about what you’ll be covered for. 

Note that the insurance will only cover the costs of cancelling a trip if you have a True Traveller Plus policy and the FCO advises against all travel to your destination. 

If you get caught in a quarantine while travelling, True Traveller will automatically extend your policy for up to 31 days, at no extra cost to you. 

If you purchased your insurance after 16 March 2020, True Traveller will not provide cover for coronavirus but other unrelated medical expenses are covered as usual. 

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World Nomads Coronavirus Policy

As of 1 April 2020, World Nomads has temporarily suspended sales on International plans for travellers from all countries except for World Nomads USA and Brazil.

If you already have a World Nomads policy, coverage depends on which country you are resident in.

You can check whether you are covered for coronavirus by going to the World Nomads coronavirus FAQ page and choosing your country of residence from the dropdown. 

Unfortunately, World Nomads insurance policies will not cover coronavirus for most people, even if you bought your policy before your trip. 

The notable exception is World Nomad policies for US residents—this policy does not have a pandemic exclusion and will cover COVID-19. 

For example, for the residents of the United Kingdom, World Nomads says: 

Unfortunately, for policies purchased after 6:00am UTC/GMT on Thursday, 23 January 2020 for trips to/from China or after 6.00am AEDT 31 January for other destinations there’s no coverage for any travel expenses or cancellations impacted by COVID-19 as the policy is not designed to cover expenses which are directly or indirectly caused by known epidemics under the control of public authorities.

SafetyWing Coronavirus Policy

SafetyWing nomad insurance no longer covers COVID-19 since the CDC issued a global travel warning on 27 March 2020 (coverage only applied for 10 days after that date). If you are already abroad, you are still covered for non-coronavirus medical issues.

SafetyWing does offer a Remote Health plan which covers coronavirus as there is no pandemic exclusion.

This is global health insurance rather than travel insurance, so it won’t cover baggage or cancellation, but if you are worried about medical expenses if you catch COVID-19, this is the best option we’ve found. See below for more details. 

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What to Look For In Your Travel Insurance Policy

  • Read the small print before buying a policy or you could be wasting your money if they don’t pay out.
  • When you are starting out in your home country you can buy any long term travel insurance policy for the first year. Just check they don’t require you to have a return ticket home.
  • When you need to renew make sure you are allowed to buy the policy when already travelling.
  • Medical coverage is the most important—make sure it includes emergency evacuation and repatriation.
  • Check which activities the policy includes if you are going to be doing things like scuba diving, white water rafting, and horse riding. You often need to pay extra to include high risk activities.
  • Most policies charge extra for skiing and snowboarding. You might just want to purchase a winter sports policy for the time you are in the mountains.
  • It’s unlikely that it will cover valuables like cameras and laptops (or the limit will be low) so you may need to get extra insurance for these (see below).
  • We don’t worry about baggage cover (our clothes and toiletries are hardly valuable) or cancellation cover, but you need to decide if they are important to you.
  • Choose a worldwide policy if you don’t know where you’ll be travelling to. Otherwise it’ll be cheaper to exclude the US or to focus on one region like Europe.
  • Check the excess/deductible (the contribution you’ll have to pay towards a claim). The higher the excess the cheaper the policy, but make sure you can afford it.

True Traveller 

The Best Post Departure Travel Insurance for UK and EU residents. 

We have used True Traveller insurance for seven years now and it’s the best value, most digital nomad and backpacker friendly policy we’ve found for UK and European residents.

It’s also one of the few insurance companies that is covering coronavirus (see above) if you purchased your policy before 16 March 2020. 

True Traveller allows you to buy travel insurance when already travelling and they don’t require a return ticket, so it’s ideal for digital nomads, long term travellers, or anyone who has forgotten to buy insurance before leaving. 

They really understand the needs of long term travellers and you can tailor the policy to suit you, choosing the most basic medical insurance or adding extras like baggage, electronics, cancellation, activities, and winter sports cover. This helps keep costs down as you only buy what you really need. 

Their site is user friendly and easy to understand. True Traveller was originally an adventure travel company, not an insurance company. Their policies are designed by travellers for travellers and it shows.

Making a claim with True Traveller was quick and easy. After visiting the doctors in Bali all I had to do was fill in a simple form, take photos of the doctor’s report and receipts, and send it all by email. Just three working days later I received the money in my bank account!

You can read our detailed True Traveller insurance review here including the claims process. 

How Much Does a True Traveller Policy Cost? 

Currently a one year True Value worldwide (excluding North America) policy without baggage costs £304 per person. It’s the best value insurance I’ve found.

Although this policy excludes the US and Canada, you are covered for 14 days there without any additional cost. 

To include the US for the whole year, the policy would cost £362 for a year. 

We buy the most basic policy to keep costs down and as we’re only interested in the medical coverage (£2,500,000 is covered). We have a £125 excess (deductible) but you can pay slightly more to reduce this to 0.

91 activities are included as standard so we didn’t need to purchase the Adventure or Extreme pack to include high risk activities like scuba diving at lower depths or black water rafting. Check their list to see what activities you are likely to be doing.

Click here to go to True Traveller for a quote.

World Nomads

The Best Travel Insurance When Already Abroad for the USA, Australia, and Worldwide. 

World Nomads is a well respected travel insurance company that we used on our round the world trip in 2007-8. They allow you to get travel insurance while abroad so are popular with many digital nomads and long term travellers we know.

The only reason we no longer use them is that they are more expensive than True Traveller.

Currently, a one year standard policy costs £509. The World Nomads policy is more comprehensive and includes baggage and cancellation, but these aren’t things we really need.

World Nomads covers most nationalities so if you aren’t from the UK or Europe, this is the policy we recommend (unless SafetyWing below suits you better).

Click here to go to World Nomads for a quote.

SafetyWing

Health insurance for nomads worldwide. 

SafetyWing is the world’s first travel medical insurance developed specifically for nomads, by nomads. They cover people from all over the world while they are outside their home country. 

We haven’t tried them ourselves, but they get some excellent reviews. 

They offer two products: 

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SafetyWing Nomad Insurance

SafetyWing insurance for nomads can be purchased while travelling and there’s no cap on the duration of travel.

It includes travel medical cover such as doctor and hospital visits and emergency medical evacuation. They also cover travel delay, lost checked luggage, and personal liability.

The standard policy costs a flat rate of US $37 per 4 weeks which is automatically charged every 4 weeks until you cancel. This is for ages 18-39; other ages are available but will cost more. Travel to the US adds an extra $31 per 4 weeks.

There’s a $250 deductible and a $250,000 maximum limit on payouts.

There is limited coverage in your home country. For every 90 days, you can use your medical coverage for 30 days in your home country (15 days in the US) if something happens while you are there.

Children under 10 (up to 2 per family) can be added with no extra charge.

The policy covers many sports and activities, but it’s best to check their website if you are interested in a particular activity.

Unusually, they do cover moped or scooter accidents as long as the accident does not fall under any exclusions, such as the exclusions for racing and intoxication.

Remote Health

SafetyWing also offers a global health insurance plan called Remote Health. This is aimed at teams of remote workers, but you can purchase cover for individuals. 

It does not exclude pandemics, so it’s a good option if you are looking for a policy that will include coverage of COVID-19 medical expenses.

It also covers cancer treatments which the SafetyWing Nomad Insurance doesn’t.

Note that this is not a travel insurance policy, so there is no coverage for non-health expenses such as baggage, cancellation, etc. 

It is significantly more expensive than the Nomad Insurance and you need to commit to a year contract.

Costs depend on the extras you decide to add, but a standard policy for one person aged 18-39 costs $153 a month or $287 including USA, Hong Kong and Singapore. 

Visit the SafetyWing website for more details on the Nomad Insurance and Remote Health plans.

Camera and Laptop Insurance

Most travel insurance policies don’t cover valuables or have a low limit, so we used to have a separate policy with Photoguard that covered our cameras and laptops for accidental damage and theft. 

They only cover UK citizens and the cost depends on the value of your items—when we last renewed ours was £263 a year. 

In 2017 we stopped using Photoguard as they no longer cover long term travellers, so it’s only a good option for shorter trips.

We struggled to find an electronics insurance policy that would cover us for a whole year, so we no longer have insurance for our camera and electronics. We make sure we have savings to cover their replacement if necessary. 

Another option we’ve heard of is to get your electronics added to a family member’s home insurance policy.

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USA Insurance Options

In addition to World Nomads we also know US citizens who have used these policies:

  • IMG Global—Medical insurance if you spend less than six months a year in the US. It also provides cover when you are in the US which most travel insurance policies don’t.
  • Clements—An option for covering your electronics.

Whatever you decide, make sure you do buy travel insurance. If the worst happens you’ll want to be covered or it could end up costing you more than you can afford.

Let us know if you’ve heard of other companies that allow you to buy travel insurance whilst already abroad. 

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Learn how to choose travel insurance and the best travel insurance when already abroad for long-term travellers and digital nomads.

 

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37 Comments (10 pingbacks)

  1. Hello
    We are also long time travelers has been for almost 6 years. We had a good travel insurance from New Zealand that covered us all those years. When we needed a letter from them for getting our Russian visa we had got an message that they will not renew us because of age. When you are 70 plus they don’t insure you anymore. We have been trying to get insurance all over the world but 70 plus is the limit. We found one in New Zealand while we were still in the Netherlands but you had to be in the country. So that we did flew back to New Zealand to get the insurance activated. We arrived just in time before they closed the borders so we are b ack in New Zealand lucky we are in our own house. Our Abel(1957 Mercedes) and Zambezi (Tent trailer) left in the Netherlands not sure when we can get back. Take care love from Fred and Elisabeth, Classicstriders. Facebook, Classicstrider.

    Reply ↓

    • That’s annoying that it’s hard to find insurance when you reach 70. It sounds like it’s just as well you returned to New Zealand though. We’re also here right now and it seems to be one of the safest places to be.

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  2. For those who suspect the UK insurance companies don’t tell you all up front.
    Thank you for making this info available.
    03 04 20 I have just found that SAGA travel and health insurance does not cover me for cancellation – they refer to pre paid trips. Abandonment seems to refer only to going back home before the holiday is due to finish.
    I cannot make another insurance contract whilst I am abroad.
    The 2 month insurance that I had finished yesterday it cost about £400 AUE, Thailand, Malaysia and Indonesia. Last year was about £600 for two months. I had also put China and Singapore on that one. Years ago it was Europe, middle east and far east one did not specify which countries. SAGA does NOT have an email contact. The phone number is NOT FREE from overseas. My home number is blocked and the local sim is pay as you go so it could easily run out whilst they ask me questions. Some years ago I used STAYSURE and found that their prices changed even though it was much the same trip.
    I am denied access to the Middle East and British Isles, the airline has cancelled the flights and I cannot enter the place where I live.
    Seems to me it’s cancellation and abandonment. A few weeks ago I could not access the BARCLAYS bank account due to a new requirement. I have been offered help to get money but I need to transfer money which I cannot do due to the bank wanting me to use a debit card and a machine to get a number so as to make a new payee. The bank messages cannot be accessed without the machine.

    Reply ↓

    • I’m sorry for everything you are going through, Frank. That sounds very stressful. Unfortunately most insurance companies are not covering pandemics which is leaving many travellers in difficult positions.

      Reply ↓

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