When it comes to obtaining travel insurance, the ideal scenario is to secure it before embarking on your trip. However, circumstances may arise where you realize the need for coverage after you’ve already started your journey. Whether it’s due to exceeding the duration of your current policy, your coverage expiring, or simply forgetting to purchase travel insurance in advance, the good news is that you can still obtain coverage even while abroad.
To acquire travel insurance after departure, seek out reputable insurance providers that offer an ‘Already Traveling Policy.’ Some insurers now offer this option to cater to travelers facing such situations.
Certain conditions typically apply when obtaining this type of travel insurance. For individuals under 65 years of age, the general requirement is not to exceed 18 months outside their country of residence. If you’re in the age bracket of 66 to 74, your coverage duration should not surpass 6 months. Additionally, it’s essential to note that this type of insurance is only available if no claims or claim-related incidents have occurred before purchasing the policy. For example, if you lost your laptop yesterday, you would not be eligible to purchase this insurance and make a claim for it.
What coverage can you anticipate with an Already Traveling policy?
24/7 Emergency Medical Assistance:
In the event of illness or injury while traveling, you can access 24/7 emergency medical assistance by contacting the provided hotline. This coverage includes medical expenses and emergency medical transportation.
Coverage for Adventure Activities:
The policy includes standard coverage for specified adventure activities. It’s crucial to carefully review the covered activities and understand the associated terms and conditions.
Valuables:
You have the option to extend your Already Traveling policy to protect your belongings, such as bags, tech gadgets, jewelry items, and essential travel documents.
It’s important to note that pre-trip cancellation is not covered under this type of insurance since you’ve already departed from your home country. This distinction is worth emphasizing as some travelers still inquire about it despite this insurance being specifically designed for those already on their journey.
While purchasing travel insurance after departure is feasible, it’s vital to be aware that waiting periods and specific conditions may apply. Many insurance companies impose a 36-hour waiting period before full coverage takes effect after policy purchase. However, some policies offer immediate coverage. Ensure you thoroughly review the policy to understand when coverage becomes active.
In conclusion, if you ever find yourself in need of travel insurance after starting your journey, rest assured that obtaining the necessary coverage is possible. Keep in mind that conditions and waiting periods may apply, but with the right policy, you can still protect yourself and enjoy your travels with peace of mind.
