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Can I Buy Travel Insurance After Departure? [Costs, Coverage, and More]

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Limitations of Post-Departure Travel Insurance

Costs of post-departure travel insurance, medical-only travel insurance after departure, pros of buying travel insurance after departure, cons of buying travel insurance after departure, when is it too late to buy travel insurance, final thoughts.

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The best time to buy travel insurance is shortly after you book your travel, but it’s still a good idea to buy travel insurance even if you’ve already started your trip.

While your coverage and policy options will be more limited than they would have been if you’d purchased travel insurance at — or soon after — booking, you can still get great travel insurance coverage when you’re already abroad.

Let’s explore your travel insurance options after departure and what’s covered.

How To Get Travel Insurance When You’re Already Abroad

You can buy travel insurance after departure. The trick is finding a travel insurance company that offers a post-departure policy . Most travel insurance companies only allow travel insurance purchases up to the day before departure. 

Still, some reputable travel insurance companies, such as Allianz Global Assistance and World Nomads , issue travel insurance after departure. If you’re simply looking for travel health insurance, Genki or SafetyWing are options, too.

When you purchase travel insurance after departure, your coverage is limited. You should expect waiting periods, fewer policy choices, and less overall coverage than with travel insurance you buy at or shortly after booking.

Generally, post-departure travel insurance coverage focuses on medical emergencies , not trip cancellation or interruption benefits. And you’re not likely to get coverage for preexisting conditions, as most travel insurance companies only cover preexisting conditions if you buy coverage shortly after you start booking your trip.

How much you’ll pay for post-departure travel insurance depends on the travel insurance company, policy, coverages, and risk factors such as your age and destination. Expect to pay about $45 for a month of travel health insurance and $100 or more for a comprehensive travel insurance policy that includes trip interruption, emergency medical, and other travel insurance benefits.

Options for Post-Departure Travel Insurance

Comprehensive post-departure travel insurance plans are hard to come by, but you can generally get medical emergency travel insurance after your trip departure. Consider these post-departure travel insurance options:

The only comprehensive post-departure travel insurance plan we could find is with World Nomads. With a World Nomads Explorer or Standard plan, you can get coverage for trip cancellation or interruption, emergency medical treatment or evacuation, baggage delay or loss, rental car damage, a 24-hour travel assistance hotline , and more.

While World Nomads offers comprehensive post-departure travel insurance, some benefits have a waiting period. For example, you may have to wait up to 24 hours for your trip cancellation benefit to become effective. However, you’re usually covered right away for medical benefits.

Allianz Global Assistance, in comparison, offers the OneTrip Emergency Medical Plan , which doesn’t insure the cost of your trip but offers emergency medical expense benefits and other post-departure coverages. Additional coverage benefits include trip delays, missed connections, baggage delays, and 24-hour emergency assistance.

Once you’ve reached your destination, you may be less concerned about trip cancellation but still want coverage for medical emergencies. You can get post-departure travel health insurance from providers including Genki and SafetyWing.

Genki’s travel health insurance is a monthly insurance subscription for up to 2 years designed for frequent travelers . With no citizenship or residency requirements, all travelers up to age 69 can get a Genki Explorer travel health insurance policy — even if you’re already traveling.

A Genki Explorer plan offers coverage for medical treatment, including emergency medical transportation and sports injuries, and limited dental and mental health treatment. However, there are exclusions : preexisting conditions, dangerous activities, professional sports, consequences of drug or excessive alcohol consumption, active participation in war, and medical tourism. There is no coverage for trip cancellation, interruption, flight delays, lost luggage, or other common travel insurance benefits beyond medical coverage.

Similar to Genki Explorer, SafetyWing’s Nomad Insurance is good for 28 days at a time and is available for travelers up to 69 years old. You can buy it whether you’re at home or already traveling. You’re covered for medical costs anywhere outside of your home country except for sanctioned areas or countries.

SafetyWing Nomad Insurance covers unexpected illnesses or injuries, including eligible expenses for hospitals, doctors, and prescription drugs. It doesn’t cover routine checkups or preventive care, but it offers emergency travel-related benefits such as evacuation from local unrest, unplanned overnight stays, and lost checked luggage. 

Check your credit card’s travel insurance benefits. While credit card travel insurance generally offers limited coverage benefits when compared to comprehensive travel insurance plans, your credit card’s travel protection benefits may be competitive with post-departure travel insurance options.

Why It Might Make Sense To Buy Travel Insurance After Departure

Though it’s best to buy travel insurance soon after you book, and ideally before your trip starts, you can still get a lot of value from post-departure travel insurance. 

One of the most valuable aspects of travel insurance is coverage for medical emergencies , a benefit you’ll get with post-departure travel insurance. You can also take advantage of the insurance policy’s emergency medical evacuation benefit if you need it. And your post-departure travel insurance policy may offer additional benefits such as lost or delayed baggage coverage and 24-hour emergency assistance.

• You can still get valuable travel insurance coverage
• Costly emergency medical expenses are covered
• Some benefits are immediately active
• Waiting periods before some coverages become effective
• No pre-departure benefits, including trip cancellation coverage
• No time-sensitive benefits such as a preexisting condition waiver or cancel for any reason coverage

As long as you’re on your trip, you can benefit from buying travel insurance. For example, if you’ve reached your destination, you might not benefit from trip cancellation coverage anymore, but you can still use your emergency medical benefits.

If you’re already on your trip and start to feel ill, then yes, it’s probably too late to get travel insurance that covers medical expenses for your illness. Or if you’re in the last few days of traveling and nearly home, you might decide it’s not worth having coverage for a short period — especially if insurance waiting periods limit how much time you’ll have active coverage.

Buying travel insurance soon after you book your travel gives you the most policy options, comprehensive coverage, and time-sensitive benefits. But if you’re already traveling and want to add travel insurance coverage, you still have worthy options, especially for emergency medical expenses.

Getting travel insurance post-departure is still a good idea because it can protect you during unexpected emergencies. But coverage limitations and waiting periods may apply, so be sure to read the fine print to understand what’s covered or not. And if you primarily seek emergency medical coverage, post-departure travel insurance can be valuable.

Frequently Asked Questions

When is it too late to buy travel insurance.

For some travel insurance providers, it’s too late to buy travel insurance once your trip has started, as many only allow you to purchase travel insurance up to a day before departure. However, some travel insurance companies do offer post-departure policies.

When should you buy travel insurance?

Buying travel insurance immediately after booking your trip is best, as you’ll have the most coverage options and can maximize your trip cancellation benefits the sooner your trip is covered.

Is it best to buy travel insurance before or after you book?

Buying travel insurance after booking is best, as most travel insurance companies ask about your first trip deposit when you get a travel insurance policy quote. You’ll need to know or at least be able to estimate your total travel costs to get coverage, and it’s easier to do so after you’ve booked travel.

Is travel insurance valid if obtained after departure?

Travel insurance obtained after departure is valid but usually limited compared to comprehensive travel insurance policies available prior to departure. Generally, post-departure travel insurance is limited to medical emergencies and related expenses rather than trip cancellation benefits.

How late can I buy travel insurance for a cruise?

Most travel insurance companies only offer policies up to the day before your cruise departure. However, some travel insurance companies offer post-departure policies subject to limitations and waiting periods.

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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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• Plan Your Trip
• 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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What does Travelex Insurance Services cover?

Travelex comprehensive plans, travelex flight insurance plans, travelex plan costs, which travelex insurance services plan is best for me, how to choose a travelex insurance services plan online, what isn't covered by travelex travel insurance, is travelex travel insurance worth it.

Travelex Insurance Services is a U.S.-based insurance company that has been in the insurance industry for more than 25 years. Headquartered in Omaha, Nebraska, it’s owned by Zurich Insurance Group and is a part of the Cover-More Group, which has a global presence in travel insurance plan offerings.

But what does this all mean to you? In short, Travelex is a company that can help you travel with peace of mind by offering numerous travel insurance plans to protect you, your money and your belongings on your next trip.

This Travelex Insurance Services review will help you decide whether it's the right provider for you. Let's take a look at Travelex, what it is all about and offer more insight into the various customizable plans offered by the insurer.

Travelex Insurance Services offers six types of travel insurance plans. There are three types of comprehensive plans, two flight plan options and a post-departure plan. Its policies are underwritten by Berkshire Hathaway Specialty Insurance Company and Zurich Insurance Group.

Travelex’s primary goal is to provide travel insurance protection that’s personalized to the type of trip you’re taking and the style of traveler you are. And regardless of which plan you choose, you’ll always have 24/7 access to travel assistance.

In addition to offering plans with primary coverage, some plans let you choose optional coverage add-ons or enhancements to offer you more peace of mind.

» Learn more: What to know before buying travel insurance

The three comprehensive plans from Travelex are Travel Select, Travel Basic and Travel America.

Travel Select

The Travel Select plan provides travelers with the most comprehensive primary coverage option across Travelex Insurance Services’ suite of plans. Its primary coverage:

Applies to domestic and international trips.

Requires no deductible.

Allows a pre-existing condition waiver if you purchase your Travel Select plan within 15 days of your first trip payment.

You can also choose optional coverage upgrades, like:

Cancel for Any Reason protection.

Accidental death & dismemberment common carrier coverage.

Adventure sports coverage.

Additional medical coverage.

Car rental collision coverage.

It also includes coverage for kids, ages 17 years old and under, who are traveling with you.

Travel Basic

If you’re traveling on a budget, Travelex Insurance Services’ Travel Basic plan offers an option with lower maximum coverages and a lower cost. Its emergency medical expenses coverage, for example, covers up to $15,000 while the Travel Select plan provides up to $50,000 in coverage. However, Travel Basic doesn’t offer coverage for kid companions and doesn’t offer an exclusion waiver for pre-existing conditions.

Travel America

For travelers exploring the U.S., Travelex’s Travel America plan provides various trip coverages with limits that can be split among the primary policyholder and up to seven additional companion travelers. It covers U.S. trips that are up to 14 days in duration. Your destination must also be at least 100 miles away from where you live.

This plan allows pre-existing medical condition coverage as long as your plan is purchased within three days of making the last payment for your trip.

If you don’t need or want insurance for pre-purchases during your trip, but want protection relating to your flights, Travelex offers two types of flight insurance:

Flight Insure. Includes trip delay coverage and 24/7 travel assistance.

Flight Insure Plus. Includes features of Flight Insure, plus:

Emergency medical and dental coverage.

Emergency transportation.

Baggage loss/damage.

Baggage delay.

These plans can be purchased as standalone protection. Neither of Travelex’s flight insurance plans offer exclusion waivers for pre-existing conditions.

Travelex travel medical plan

The Travel Med plan offers post-departure coverages, like emergency medical, AD&D and more. It’s available for domestic and international travel, and can be purchased at the last minute. The plan also covers up to 10 travelers.

Costs vary for most Travelex insurance plans based on your age, length of trip, cost of trip and state of residence.

As an example, we looked at a one-week trip to Italy in March for a 40-year-old traveler from Texas. Here is what they would pay for a Travelex plan:

$66 for Travel Basic.

$93 for Travel Select.

$41 for a post-departure Travel Medical plan.

$17 for Flight Insure.

$39 for Flight Insure Plus.

Since the Travel America plan option is expressly for domestic trips and doesn't offer add-on upgrade options, the plan costs a flat $60.

When deciding which Travelex Insurance Services plan is right for your upcoming trip, consider the insurance coverages you already have through other sources, like your credit card , directly through your airline carrier and other sources. Also, review the coverage limits of those alternative insurance sources to find gaps or lack of coverage for certain details of your trip.

For example, if your credit card only covers trip interruption and trip delays, but you’re traveling with your kids, you might want to have emergency medical and dental coverage for them.

» Learn more: The best travel credit cards right now

To select a plan online, visit TravelexInsurance.com and enter a few details regarding your trip:

Destination.

Departure and return dates.

Date of your first trip payment.

State you reside in.

Trip cost for one traveler.

Then, select the type of plan you want. Choose your preferred upgrades, if desired, and enter your basic information (name, birth date, address, email, etc.), travel carrier, cruise line or tour operator and proceed to payment.

We’d be remiss if we didn’t acknowledge what’s not included in your coverage in our Travelex Insurance Services review. This policy won’t be reliable for:

Pre-existing medical conditions (exclusion applies to some plans).

Events that were foreseeable.

Events due to intoxication or under the influence of drugs.

Events due to a terrorist incident (applies to Travel Basic).

» Learn more: Can I get travel insurance for pre-existing medical conditions?

Yes, Travelex is a reputable company. Its policies are underwritten by Berkshire Hathaway Specialty Insurance Company and Zurich Insurance Group.

Travelex is available to travelers who live in the U.S., and who are traveling domestically or internationally.

Travelex Insurance Services is owned by Zurich Insurance Group.

If you don’t have travel insurance as a credit card benefit, or if you want additional protection when unexpected mishaps occur while you’re traveling, Travelex Insurance Services provides a variety of tailored options.

Although its comprehensive coverage is priced slightly higher than the average of other providers, it does provide coverage for kids traveling with you and relatively affordable flight insurance.

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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WHY TRAVEL PROTECTION? Your vacation is an investment of time and money. Delta Vacations, in conjunction with Trip Mate, the foremost provider of travel protection plans and travel insurance, help assure your investment, yourself, and your family are protected from the unexpected.

PLAN OPTIONS AT A GLANCE

We offer two travel protection options for you to choose from:

• Travel Protection Plan — offering basic coverage
• Travel Protection Plan PLUS  — a more extensive option — including all of the benefits with the Travel Protection Plan — PLUS a lowest-price guarantee and more convenient method of payment on your refund

Travel Protection Plan

With the Travel Protection Plan, you're provided with pre- and post-departure coverage.

Lowest price guarantee

Cancel for any reason

Refund of cancellation fees

Documentation required

Purchase period

For Complete Details go to: 

Travel Protection Plan PLUS

Received in the original form of payment 1

May be purchased any time prior to final payment 1

www.tripmate.com/wpF409N  , opens in a new window

Received in the form of a Delta Vacations voucher 2

May be purchased any time prior to final payment 2

www.tripmate.com/wpF409B , opens in a new window

1 The Cash Back refund option, coverage of pre-existing conditions and Price Protection only applies if the Travel Protection Plan Plus is purchased within seven (7) days of your initial deposit for your trip (and for pre-existing conditions, must not be disabled from travel at the time the plan is purchased). 2 The Cancel For Any Reason Waiver and coverage of pre-existing conditions applies only if the Travel Protection Plan is purchased within seven (7) days of your initial deposit for your trip, and must not be disabled from travel at the time the plan is purchased.

Cancel For Any Reason Waiver (provided by Delta Vacations)

• The standard coverage of the Travel Protection Plan protects the cost of your vacation and protects you from most cancellation penalties. Also, you can cancel for any reason, and have comfort in knowing that your travel investment is protected. You must cancel before your scheduled departure.
• The Cancel For Any Reason Waiver is provided by Delta Vacations, and is not an insurance benefit underwritten by United States Fire Insurance Company.

In addition to Pre-Departure Trip Cancellation, the plan includes other benefits to help protect you from the unexpected during your vacation, such as:

• Medical and emergency assistance — includes benefits up to $25,000 for medical expenses, emergency medical transportation and 24-hour emergency assistance service for illness or injury during the trip.
• Post-departure trip interruption — covers you up to the original cost of your trip, when you must interrupt your trip or return home early for covered reasons, such as sickness, injury or other covered reasons.
• Travel delay — pays up to $100 per day for meals and accommodations when you are delayed on your trip for 12 hours or more.
• Baggage delay — reimburses you up to $250 for clothing and personal items if your luggage is delayed more than 24 hours.
• Loss or damage to baggage or personal effects — covers up to $2,500 for loss or damage to baggage or personal effects that occur during the trip.

Please Note: 

• If purchased, everyone on the booking must purchase the Travel Protection Plan. 
• The cost of the Travel Protection Plan is only refunded for cancellations covered by the hurricane policy (or within the state required free look period).
• Refer to Delta Vacations Cancellation & Change Policy  for penalty and refund details. 
• Certain restrictions apply to groups booked with our Group Department. 
• Certain items may not be refundable, such as show or event tickets, theme park passes, etc. 

With this option, you receive all of the benefits with the Travel Protection Plan (listed in the chart above) PLUS you:

• Receive the refund of the cost of your vacation package AND cancellation fees in the form of your original payment, should you need to cancel your vacation for any reason (less the cost of the protection plan)
• Receive the lowest price guarantee

Lowest Price Guarantee (Provided by Delta Vacations)

If Delta Vacations advertises an identical vacation at a lower price, Delta Vacations will guarantee that price. The advertised vacation must be available and include the same air components (including air fare class), hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS. Refunds for the difference in the package price will be issued in the original form of payment.

Below, you'll find information on how to request the lowest price guarantee along with lowest price guarantee terms and conditions.

To request the Lowest Price Guarantee 10 days or more before departure:

• Create a new reservation with lower price and place on hold.
• Note: Some reservations may require confirmation with a credit card.
• Contact Delta Vacations at 1-800-800-1504, 6:00 am - 11:00 pm CST.
• If the new reservation qualifies, the travelers will receive confirmation of the new reservation at the adjusted price. Previous reservation will be refunded to the original form of payment.

To request the Lowest Price Guarantee within 10 days of departure:

• Create a new reservation and confirm with credit card.

Travel Protection PLUS and Lowest Price Guarantee Terms and Conditions

• The Travel Protection Plan PLUS cannot be applied to Miles to Go or upgraded bookings.
• Lowest Price Guarantee is on the total package price, not component to component.
• All components must be available at the time of the new reservation.
• Lowest price guarantee must be on the exact same vacation package including the same dates, air components, hotel and room category, and any other previously purchased components, including the Travel Protection Plan PLUS.
• Lowest price guarantee is allowed to be used only one time per booking, and may be exercised up to the time of departure.
• Promotional codes applied to the original reservation must be valid at the time of the lowest price guarantee request to maintain promotional code discount. If the promotional code is no longer valid, a new promotional code can be applied, as long as all terms and conditions are met.
• Lowest price guarantee does not apply to group reservations.
• Lowest price guarantee cannot be purchased separately, and is only available through the Travel Protection Plan PLUS program.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these terms and conditions without prior notice.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions

Redemption Instructions

• Contact Delta Vacations at 1-800-800-1504 or online at delta.com/vacations.
• Enter/provide the 12-digit travel certificate number printed on the front of the travel certificate document during the payment step.
• Provide additional form of payment, if necessary.
• Delta Vacations will issue and send your travel documents via the delivery method requested during the booking process.

Redemption Terms and Conditions

• Travel certificate is valid for the value indicated on the front of the travel certificate document when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Travel certificate can be redeemed in its entirety or in increments up to the value or balance remaining on the certificate.
• If the price of the booking is more than the value of the travel certificate, an additional form of payment for the remaining balance will be necessary to complete the transaction.
• Travel documents for the redeemed travel certificate will be issued, and sent via the delivery method identified during the booking process.
• Purchases with this travel certificate will be deducted from the balance until the value reaches zero or until the expiration date is reached, whichever occurs first.
• No refunds or credits will be issued for any unused portion of the travel certificate.
• Travel certificate is not valid for use toward the purchase of Group bookings, ski bookings, gift cards or another travel certificate.
• The expiration date for this travel certificate is printed on the front of the travel certificate document; the travel certificate is valid for payments made prior to the expiration date.
• Extensions to the expiration date will not be permitted, and travel certificate is not rechargeable.
• Lost, stolen or destroyed travel certificates will not be replaced.
• Travel certificate is void if altered or sold, is nontransferable, nonrefundable, may not be redeemed for cash, has no resale value, and is valid for use only by the person(s) indicated on the front of the travel certificate document.
• Travel certificate is not retroactive, and cannot be applied as alternative payment to reservations already paid in full.
• If a booking using a travel certificate as payment is cancelled, any remaining value after applicable cancellation fees have been deducted will be refunded back to the original travel certificate, and all terms of the original travel certificate, including original expiration date, will apply.
• Travel certificate cannot be redeemed for an Delta Vacations reservation with the same origin and destination and the same departure and arrival dates as the original trip that the travel certificate was issued for.
• Must be redeemed through Delta Vacations, and is not valid for redemption through Delta Air Lines or its website, delta.com.
• Delta Vacations must issue all airline tickets and travel documents.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply.
• Delta Vacations is the final authority on the interpretation of these rules, and reserves the right to change these Terms and Conditions without prior notice.
• Travel Agents: Travel certificate can be redeemed via our agent website or Reservations.

For balance and expiration date inquiries, refer to the contact information on the front of the travel certificate document.

Travel Protection Plan Travel Certificate Redemption Terms and Conditions           

• Contact Delta Vacations at 1-800-800-1504 or online at deltavacations.com.
• Travel certificate is valid for the value indicated on the front of the travel certificate document, when redeemed toward the purchase of any Delta Vacations air and hotel package; air, hotel and car package; hotel-only; or hotel and car or ground transportation package purchase.
• Standard Terms and Conditions and cancellation policies apply, which are outlined during the booking process; other restrictions apply. A $20 charge applies to new bookings made over the phone.

INFORMATION YOU NEED TO KNOW:

Benefits on this page are described on a general basis only. There are certain restrictions, exclusions (including a Pre-Existing Conditions Exclusion) and limitations that apply to all insurance coverages. This advertisement does not constitute or form any part of the Plan description or any other contract of any kind. Plan benefits, limits and provisions may vary by state jurisdiction. To review full plan details online, go to:  www.tripmate.com/wpF409B , opens in a new window for the Travel Protection Plan or www.tripmate.com/wpF409N , opens in a new window for the Travel Protection Plan Plus. Plan Payments are made up of Insurance Benefits and Non-Insurance Services.

Louisiana, Maryland, and Oklahoma residents looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate at 1-833-210-0676.

Insurance Benefits are underwritten by: United States Fire Insurance Company, 5 Christopher Way, 2nd Flr, Eatontown, NJ 07724 under Policy Form Series T210.The Cancellation Fee Waiver is not insurance underwritten by US Fire and is provided by Delta Vacations. Non-Insurance Services are not insurance benefits underwritten by United States Fire Insurance Company. One Call 24-Hour Assistance Services are provided by One Call Worldwide Travel Services Network, Global Xpi Medical Records Services are provided by Trip Mate.

Plan Administrator: Trip Mate, Inc. (in CA & UT, dba Trip Mate Insurance Agency) 9225 Ward Parkway, Suite 200, Kansas City, MO 64114, 1-833-210-0676.

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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.

Traveling soon? Read one of the following guides:

• Is Revolut good for traveling
• Wise or Paypal
• iVisa review

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Travel Protection Plus

For peace of mind every time, add our trip protection to your ALG Vacations ® bookings.

Industry-Leading Coverage

From pre-departure benefits to post-departure protection, our Travel Protection Plus (TPP) helps ensure your vacation investment will be fully protected. Available with Apple Vacations, Funjet Vacations, Travel Impressions, United Vacations ® , or Blue Sky Tours.

Cancel for Any Reason

No matter the cause, it's covered up to 2 hours prior to scheduled departure. Get full cash or travel credit back, minus the plan cost.

The Best Pre-Departure Coverage in the Industry

If you see a lower price, if a hurricane disrupts your plans, or if you need to make a change to your reservation, you're protected.

Choice of Plans

A selection of two plans with simple refund options, full travel credit or a cash refund, offers more flexibility to suit more needs.

Even Lower Deposits

When you add the Travel Protection Plus travel credit option, you can reserve your vacation package for as little as a $250 deposit. 1

Two Plan Options with Pricing Starting from $79.99

With travel credit.

With Travel Protection Plus, if your vacation gets cancelled you can be reimbursed with a travel credit to invest in your next getaway.

With Cash Refund

Waiting until another rainy day to schedule your next vacation? With Travel Protection Plus, you can be reimbursed with a cash refund when your trip gets cancelled.

*Price per person. Valid for all vacation packages and destinations (except scheduled air only vacations). Holiday Pricing (departures 12/18-12/30): Add $30 per adult ages 13+; add $15 per child 12 and under (maximum $114.99). Purchase Information: Plan payment includes: 1) a fee for Part A Non-Insurance Cancel For Any Reason Waiver; 2) Part B Insurance Benefits, and; 3) a fee for non-insurance assistance services. You may obtain information on the Part A fees and/or plan fees by emailing Trip Mate . View plan details and important disclosures .

What's Included with Travel Protection Plus?

You may cancel your vacation for ANY reason up to two hours prior to scheduled departure 2 and receive a full refund for your vacation, less the cost of the Travel Protection Plan-including nonrefundable airfare booked through ALG Vacations brands. (Nonrefundable hotel rates are not included.) The refund will be in the form of travel credit 3 or the original form of payment, based on the plan type purchased.

Lowest Price Guarantee

If the price of your hotel or Exclusive Nonstop Vacation Flight or package drops after booking the reservation, just let us know and we'll adjust the reservation to the lower price. Valid on Mexico, Caribbean, Hawaii, Europe, and Central America vacations. For the Price Guarantee to apply to the hotel portion of the reservation, the price adjustment must be made while the lower rate is available. 4

Hurricane Travel Credit

If a Category One or greater hurricane disrupts your vacation for 24 hours or more, you'll receive a refund for any unused or interrupted vacation nights plus a future vacation discount certificate. Valid for reservations departing June through November. 5

Making Changes to Your Trip

No penalties.

For changes to bookings where no penalties were assessed, your TPP benefits are considered unused in the first instance and can be moved to a revised reservation without a reactivation fee.

Penalties Applied

For changes to bookings with Travel Protection Plus where penalties were assessed, the penalties are covered but a plan reactivation fee (75% of the original price) applies if you wish to have TPP coverage on the revised booking.

Rebooking a Vacation

If a canceled reservation is rebooked within 7 days, brand penalties will be waived; however, supplier penalties may apply. Additionally, the Travel Protection Plus plan benefits are considered unused and can be moved to the new reservation without a reactivation fee. When rebooking 8 days or more after the initial cancellation, normal fees apply and the TPP is considered used.

Post-Departure Travel Insurance

Underwritten by Generali U.S. Branch

Missed Connection

The plan reimburses you up to $1,000 for unused land or water arrangements and additional transportation should you miss your Cruise or tour departure due to a delay of at least 3* hours due to a covered reason, such as a flight delay from adverse weather.

: Reimburses you up to $1,000 per person for expenses such as meals, lodging, and local transportation costs should you be delayed 6* or more hours due to a covered event, such as a Common Carrier Delay, lost or stolen passport or other covered events.

Baggage Delay

With TPP, you'll be reimbursed for the purchase of necessary personal items if your bags are delayed by the airline for 6* hours or longer. The plan covers you for the purchase of necessary items up to $300 in the event your luggage is delayed by a common carrier for more than 6* hours en route to your vacation.

Baggage & Personal Property Protection

The plan reimburses you for baggage or items lost, stolen, or damaged during your vacation.

Trip Interruption

Reimburses (up to the total trip cost) unused hotel arrangements plus additional transportation costs such as a new airline ticket if you can't travel due to circumstances such as illness or injury to you, a family member, or traveling companion, jury duty, or a traffic accident on the way to the airport.

Emergency Evacuation

Under certain circumstances detailed in the plan, your coverage can pay for the transportation expenses incurred to evacuate you to the nearest qualified hospital and/or to return you home.

Travel Accident

Accidental Death & Dismemberment – Travel Accident coverage in the event of loss of life, limb, or sight resulting from an injury occurring during your trip is included.

Medical Expenses

Medical costs up to $50,000 per person will be reimbursed should you incur hospital charges or other medical bills as a result of an illness or injury during your vacation.

The following items are not refundable under Travel Protection Plus:

No-show situations where the traveler does not check in or is denied boarding

Non-refundable hotel rates

Nonrefundable travel advisor fees, if included in your package price (please consult your advisor)

Air not purchased from applicable ALG Vacations brands

Costs to change to an alternate airline as a result of an airline schedule change prior to departure

Additional costs incurred as the result of the number of individuals occupying a room decreasing and a subsequent change in the per-person occupancy rate (the remaining travelers will be responsible)

No name changes or substitutions are permitted on Travel Protection Plus plans

The cost of your TPP plan

Other Trip Protection Options

During travel protection.

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Southwest Vacations ® Travel Protection

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Learn more.

Your TPP Questions, Answered

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The Missed Connection coverage was doubled to $1,000 per person; the Trip Delay coverage was reduced to $1,000 per person (since 99% of 2023 claims were under $1,000); and there was a moderate price increase on some tiers (based on package price), from $0 - $10 per person.

No, Southwest Vacations does not. They offer their own Southwest Vacations’ Travel Protection with a few pre-departure benefit changes and a pricing model that is 7.5% of the overall trip cost. For full details, visit Southwest Vacations ®  Travel Protection page  here .

The nonrefundable During Travel Protection option provides the same benefits of the Travel Protection Plus post-departure plan. It does not include the pre-departure penalty waiver. This option can be added up to 2 days prior to departure and since it does not provide the full benefits of Travel Protection Plus, it has a lower price. This is a great option for last-minute type reservations that no longer qualify for the Travel Protection Plus option which must be added within 7 days after the initial deposit.

All brand-imposed revision fees are waived and are available for unlimited use so long as Travel Protection Plus remains on the reservation. Canceling or changing the vacation at any time before departure without costly revision fees does not include nonrefundable properties. Supplier-imposed fees such as airline/hotel revision penalties will be covered for the first revision instance. If used to cover supplier-imposed fees, Travel Protection Plus will need to be reapplied to the reservation at 75% of the original price in order to maintain the program benefits or the traveler is subject to any subsequent revision or cancellation fees. A lap child under the age of 2 who shares a seat with an adult is covered under the adult's policy.

Travel Protection Benefits are underwritten by Generali U.S. Branch, provided through Trip Mate, a Generali Global Assistance & Insurance Services brand, P.O. Box 527, Hazelwood, MO 63042, 1-866-389-5378. Non-insurance Services: are not insurance benefits. Generali Global Assistance 24-Hour Assistance Services are provided by their designated provider and a Personal Portable Health Record Provided by FootprintID ® . *Benefits on this page are described on a general basis only. There are certain restrictions, exclusions, and limitations that apply to all insurance coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction.

1 Low deposits are valid on all scheduled air package bookings made 46+ days prior to departure with Travel Protection Plus Travel Credit option with Apple Vacations, Funjet Vacations, Travel Impressions, or Blue Sky Tours. Bulk-fare tickets must be paid in full in order to be reused or exchanged.

2 Advance cancellation time is based on airline's no-show policy. Some airlines have stricter no-show policies and you must cancel more than two hours in advance of scheduled departure. If you are cancelling a land-only reservation, you must cancel at least two hours prior to your hotel's check-in time.

3 Travel credits are valid for travel commencing within 395 days from the original departure date. Travel credits are nonrefundable, nontransferable, not redeemable for cash, and must be used for travel commencing by the expiration date. Travel credit will be issued in the names of the adult (18+) passengers on the original reservation. Travel credit must be applied to the same ALG Vacations ® brand as the original booking.

4 The Price Guarantee: If the brand's price of the hotel goes down after the booking is made, simply contact ALG Vacations or your travel agent and we will adjust the reservation to the lower price. Lower price adjustments are not automatic and will be done only if requested through Customer Care at 800-558-3060 or your travel advisor. For land-only or scheduled air bookings, the Price Guarantee applies only to the hotel portion of the booking. For Exclusive Nonstop Vacation Flight packages, the Price Guarantee applies to the air and hotel portion of the booking. The price adjustment must be made to the reservation while the lower rate is available through the brand the original reservation was made. The guarantee does not apply to competitors' pricing. Blackout, weekend, holiday, and peak season surcharges apply.

5 The Hurricane Travel Credit applies for vacations departing June through November. While in destination, if the trip is interrupted for 24 hours or more due to a Category One or greater hurricane, you will receive a refund for unused or interrupted vacation nights plus a "Fresh Start" certificate for a future vacation. Fresh Start certificate amounts: $100 per adult and $50 per child for Exclusive Nonstop Vacation Flights, and $25 per person for scheduled air vacations. Fresh Start certificates are nontransferable, are not redeemable for cash, and can be used on a vacation with the same brand as originally booked for travel any time (excluding holidays) for one year from the original departure date. A qualifying disruption occurs when your hotel requires you to be displaced from your room for 24 hours or more due to the result of a Category One or greater hurricane and does not apply to hurricane watches, warnings, or tropical storms. The Hurricane Travel Credit Plan applies to the nights you are displaced from your hotel if a comparable hotel of equal or greater hotel rating is not provided.

Travel Protection Plans are administered by Trip Mate, a Generali Global Assistance & Insurance Services brand, located in San Diego, CA. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Generali’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia. For the operating name used in certain states, and other important information about the Travel Protection & Assistance Services Plan, please see https://www.generalitravelinsurance.com/customer/disclosures. The Travel Protection Benefits are underwritten by Generali U.S. Branch, provided through Trip Mate, a Generali Global Assistance & Insurance Services brand, P.O. Box 527, Hazelwood, MO 63042, 1-866-389-5378. Non-insurance Services: are not insurance benefits. Generali Global Assistance 24-Hour Assistance Services are provided by their designated provider and a Personal Portable Health Record Provided by FootprintID ® . Benefits on this page are described on general basis only. There are certain restrictions, exclusions and limitations that apply to all insurance coverages and services. This advertisement does not constitute or form any part of the Plan Description or any other contract of any kind. Plan benefits, limits, and provisions may vary by state jurisdiction. Note to Minnesota, Missouri and New York residents only: If you would like to purchase either the Pre-Departure Penalty Waiver or the Post-Departure Travel Protection contact 1-866-389-5378 for details.

ALG Vacations ® is not responsible for errors or omissions. Bookings are subject to the applicable brand’s current terms and conditions. ALG Vacations materials (including, but not limited to, names, trademark, service marks, logos, marketing materials, etc.) shall not be used,  reproduced, transmitted or distributed in any way, except with the express written consent of ALG Vacations. CST #2139014-20.

Well-rounded Travel Protection: What are Post-departure Coverages and How Can They Help Your Clients?

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Much has changed in the travel insurance industry over the past 10 years. More travelers are purchasing insurance than in years past and, in a risk-laden travel landscape, the demand for trip protection is on the rise . Though the UStiA study suggests Trip Cancellation was once a more widely-known travel protection coverage, many standard travel insurance plans have always included, and continue to include, a number of perhaps lesser-known post-departure coverages that take effect when your clients begin their scheduled trip.

Helping your clients familiarize themselves with these valuable components of a protection plan could help reveal the product’s overall value and also help them decide if insuring their next trip is the right choice for them.

What Post-Departure Coverages Do

Post-departure coverages are designed to reimburse your clients for specific financial losses that they might suffer as a result of travel misfortune. Unlike Trip Cancellation, the post departure coverages don’t take effect until they begin their trip. Many plans include a variety of post-departure coverages and depending on the plan they purchase, multiple coverages could be of use to them if they encounter an unexpected event that interrupts their vacation.

For instance, say one of your clients is out sight-seeing on the second day of a long-awaited family tour package when, the next thing he knows, an extra step backwards to capture the perfect photograph sends him tumbling down an unfamiliar set of stairs. A hurried visit to the nearest Emergency Room (which happens to be by no means “near” his original hotel booking) results in a fractured ankle, a string of medical bills for out-of-network medical treatment, the family’s overnight stay at a hotel near the ER, and a now useless—and completely non-refundable—tour package because it’s medically necessary for him to return home.

In this scenario, Medical and Dental, Travel Delay, and Trip Interruption are three post-departure coverages that could potentially help your client recoup his losses. In addition to seeking reimbursement for the out-of-network emergency room bills that his primary insurance provider may not cover, he can also claim compensation for lodging, meals, local transportation, and telephone calls while he’s delayed; the unused, prepaid portion of his tour package; and even additional transportation costs to return home early. Provided your client insured the entire family’s arrangements when he bought his plan, your client and his family could all return home together and claim for the full remainder of the pre-paid family trip while limiting the stress of having to give up their vacation with no opportunity for reimbursement. Like Trip Cancellation, post-departure coverages are intended to make travelers “whole” again after suffering losses resulting from a listed covered event, like an unexpected injury.

Generally speaking, Medical and Dental typically provides coverage for physician-ordered medical services varying from prescription drugs and medicines to local ambulance services if your clients get sick or injured while on their trip, while Travel Delay aims to reimburse for reasonable additional expenses like lodging, meals, and local transportation while they’re delayed. Trip Interruption provides reimbursement for the prepaid nonrefundable portion of their trip that they had to forfeit due to the unexpected interruption as well as additional transportation costs that they had to pay to return home early or rejoin the rest of their travel party.

But these are just three of several post-departure coverages included with many standard travel insurance plans. Others include Baggage Coverage, Baggage Delay, Emergency Assistance and Transportation, Accidental Death and Dismemberment, Missed Connection, and even Rental Car Damage Coverage.

What’s Right for Your Clients

Depending on the nature of your clients’ arrangements, their destination, and their unique individual needs and medical histories, many different types of travel insurance plans could be a good fit for their next trip. For instance, when traveling abroad, the U.S. Department of State advises travelers to learn about a protection plan’s health insurance and medical evacuation features to ensure they’re properly protected overseas or in the event of an emergency. Or perhaps they’re scheduling a cruise and intend to bring a variety of jewelry and formal wear on board. In that case, maybe a plan with increased baggage coverage limits appeals.

Wherever their next trip takes them, be sure to look beyond Trip Cancellation and explore what a plan’s post-departure coverages have to offer your clients. To learn more about the post-departure coverages available with CSA Travel Protection’s insurance offerings, contact your dedicated account manager.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance and Insurance Services. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Generali Global Assistance’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.

Travel Insurance After Departure

 Instant Policy Delivery

 Secure Online Purchase

 Range of Working Activities

 Six Different Policies

 Option to Extend Duration

 Cover for UK Residents

 Wide Range of Sports

 24 Hr Medical Assistance

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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How Much Does Travel Insurance Cost?

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• The average travel insurance premium this week is $284.68, about the same compared to last week.
• For travel in the United States, the average premium is $92 to $400.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $284.68
• Average trip cost: $6,819.26
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

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June 1, 2020

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Travel Insurance with Emergency Medical Benefits: The Simple Guide

Do I need emergency medical travel insurance for a U.S. trip?

That depends. If you have a good health insurance plan, you may not need emergency medical insurance while traveling within the U.S.

However, it’s still a good idea! Allianz Travel Insurance’s emergency medical benefits have a few advantages your regular health insurance may not provide:

• There’s no deductible or copay for covered emergency medical expenses. (There is, however, a maximum limit for your emergency medical/dental and emergency transportation benefits, which you’ll find in your plan documents.)
• Depending on the plan you choose, your travel medical insurance may be primary That means it pays your covered medical expenses before any other insurance coverage applies.
• Emergency medical transportation benefits can cover medically necessary medical evacuations. This is a must if you’re traveling to any remote locations—such as fishing in Alaska, or backcountry camping in a national park.
• Your travel insurance also can cover special medical transportation home after an emergency. Your regular insurance may not.

Do I need emergency medical travel insurance if I’m healthy?

Yes! We get more than 4,000 calls each year from travelers who need help with a medical emergency. The most common emergencies we see are things that can happen to anyone, even people who are generally healthy and fit: fractures from falls ; trauma (often from motor vehicle accidents); cardiovascular problems , such as a heart attack or stroke; and pulmonary/respiratory problems , such as a collapsed lung.

Active travelers especially need travel medical insurance, if you plan to participate in activities such as hiking, cycling, skiing, horseback riding, etc. on your trip. Just make sure you read the exclusions in your plan. Certain high-risk activities are excluded from coverage.

Do I need to buy emergency medical travel insurance for my kids?

Yes! Children aren’t immune from medical emergencies while traveling, whether a tummy bug or a fractured wrist. Luckily, two of our plans offer free coverage* for children 17 and under when traveling with a parent or grandparent: OneTrip Prime and OneTrip Premier , which doubles most OneTrip Prime post-departure benefit limits (*not available on policies issued to Pennsylvania residents).

Can emergency medical travel insurance cover my pre-existing medical condition?

Yes, but you have to make sure your plan includes the existing medical condition waiver and meets all the requirements. If you insure your full nonrefundable trip costs within 14 days of paying your first trip deposit, and you’re medically able to travel when you do so, you can be covered for most existing medical conditions.

An existing medical condition is defined as an injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:

• Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor;
• Presented symptoms; or
• Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

Read more: When Does Travel Insurance Cover Existing Medical Conditions?

What happens if I have an emergency while traveling somewhere without high-quality medical facilities?

In situations like these, your emergency transportation benefits can be life-saving. If you suffer a serious illness or injury on your trip and the local medical facilities can’t provide the medical treatment you need, our medical team will arrange and pay to transport you to the closest appropriate facility. Please note, however, that we must make the medical evacuation arrangements — if you do it yourself, your insurance may not pay for it.

What should I do if I have a medical emergency while traveling?

If you need help urgently, call your destination’s equivalent of 911. The free Allianz TravelSmart TM app makes it easy to reach local emergency services with a single tap, wherever you are.

Then, contact 24-hour assistance . Our team of experts can arrange emergency medical transportation, if needed; refer you to pre-screened local medical providers, provide an interpreter, guarantee advance payment for medical care (where accepted), monitor your condition, update relatives back home, and arrange your transportation home. In short, we’ll do everything we can to make sure you’re getting the care you need.

Read more: What To Do In A Medical Emergency

Can I buy affordable emergency medical travel insurance?

Yes! Allianz Travel Insurance offers plans for every budget. Low-cost emergency medical travel insurance plans include:

• OneTrip Basic , an economical plan with limited post-departure benefits
• OneTrip Emergency Medical , a flexible plan that includes only post-departure benefits
• AllTrips Basic , an annual travel insurance plan that provides emergency medical benefits for frequent travelers

If you’re planning more than two trips in the next 365 days, you can save money with an annual travel insurance plan:

• AllTrips Prime , which offers affordable peace of mind for a full 365 days of travel
• AllTrips Executive , an annual plan built for business travelers
• AllTrips Premier , which protects world travelers with multiple tiers of benefits

Wondering which plan is right for you? Get a quote for your next trip .

Related Articles

• Do I Need Travel Insurance If I Have Health Insurance?
• Travel Insurance 101: How Travel Insurance Works
• Travel Insurance 101: Covered Illnesses

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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