Can I Buy Travel Insurance After Departure?

Ideally, if you are going on a trip, you should purchase travel insurance just before departure. However, it is quite understandable that for some people, this may not be the case. There are many travelers who are wondering if they can purchase travel insurance after departure. This may happen when your travel insurance is running out because you have overstayed at a certain location, your policy has expired, or you just forgot to get travel insurance.

If you are already abroad and decide to purchase insurance, you can still get coverage. Look for a reputable insurance company that already offers a travel policy. The good news is that some insurance companies already offer this to travelers.

There are certain conditions for obtaining this type of travel insurance. Leading travel insurance companies offer this type of coverage subject to certain conditions. If you are under 65 years of age, you must not be more than 18 months outside your country of residence. If you are between 66 and 74 years of age, you must not exceed 6 months outside your country of residence. You can also get this type of insurance if no claims or any condition leading to a claim has previously occurred. Here’s an example of the latter scenario: If you lost your laptop yesterday, you are not allowed to take out and claim this type of insurance.

What coverage will you actually get when you actually get the travel policy?

  • 24/7 emergency medical assistance

If you get sick or injured, you can get emergency medical help 24/7, 365 days a year. Simply call the emergency hotline provided in your policy. This also covers medical expenses and emergency medical transportation.

  • Adventurous Activities Cover

There is standard coverage for the adventure activities specified in the document. Make sure you read the types of activities covered and that you understand the terms and conditions.

  • Valuables

You can get this extension option for the travel policy already. You can get protection for your belongings while traveling including your bags, technology equipment, jewelry items, and important travel documents.

Clearly, cancellations before the trip are not covered by this type of insurance. This is because you have already left your country. We feel we need to stress this because some travelers still ask this question even though insurance is specifically for people who are already traveling.

Purchasing travel insurance after departure is possible. You can still get the coverage you need as a traveler. This is a convenient way to get travel insurance while you are already traveling. You have to remember, though, that if you purchase an insurance policy while traveling, certain waiting periods and conditions will apply. Many travel insurance companies have 36 hours before you can apply for full coverage after purchasing the policy. However, some policies provide coverage right away. Check the policy and make sure you know when coverage applies.

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