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Already Abroad? 3 Companies That Will Still Provide Travel Insurance

You probably think exploring a new country sounds magical. Learning new languages . Trying exotic food. Taking in epic scenery.

And you’re right!

However, you should also remember that being overseas can become a nightmare if you should get the flu—or worse.

But illness isn’t the only thing that can go wrong on a trip. Sometimes you arrive in another country, but your luggage doesn’t. Or you have to book an earlier flight back home due to a family emergency.

Well, the unexpected can be expected— and taken care of .

That’s where travel insurance comes in.

Most people buy travel insurance while still in their home country, but sometimes we’re so focused on all the fun details of our trip that we just forget.

Not all travel insurance providers allow you to purchase their services when your trip has already started. But thankfully, there are a few companies that do!

Download: This blog post is available as a convenient and portable PDF that you can take anywhere. Click here to get a copy. (Download)

What to Keep in Mind Before Buying Travel Insurance Already Abroad

Waiting periods.

Depending on which insurer you choose, your coverage might not kick in the second you confirm your purchase. Some insurers have a waiting period until they approve your request and your policy starts running.

In some cases, the waiting period can take up to 36 hours. Before purchasing travel insurance when you’re already overseas, make sure you understand all the policy wording on the contract and how long it will take to receive coverage. You won’t be able to make a claim before this period starts.

What Your Policy Covers

You must thoroughly understand a company’s policy before purchasing any sort of travel insurance.

Some travel insurance policies don’t cover any pre-existing conditions. Those conditions include any types of injury, illness or disease that happened prior to your trip, such as a broken bone or infection you still need treatment for.

Travel insurance policies usually only last for 12 months. If you think you might need to extend your policy while abroad, ask the insurer if doing so is possible before you purchase anything.

Full Coverage When Already Overseas—Is It Possible?

If you select the right travel insurance, you can absolutely receive full coverage. In theory, all travel insurers that allow people who are already overseas to purchase their services offer the same level of coverage from their other plans—unless stated otherwise.

The most important things to keep in mind are the following:

Overseas Medical Assistance and Hospital Expenses

This includes medical costs, ambulance fees, repatriation to your home country and other things you’d need in case of an emergency.

These expenses vary by country, so check that the amount they’re covering is enough for the country you’re traveling to.

Hospitalization or Death

I know it’s not the most pleasant thought, but make sure everything will be covered by your travel insurance if unforeseen circumstances end your trip, either to you or a family member you’re traveling with.

Coverage of Valuable Belongings

When it comes to travel insurance, one of the most essential things to cover is… well, your stuff.

You want to be covered if your personal items or luggage are stolen, lost or damaged. It also comes in handy if someone steals your cash or credit card.

There’s nothing worse than losing everything you own with nothing to rely on. That’s when your travel insurance needs to step up.

Cancellation

If you need to cut your trip short for any reason, your policy should be able to cover pre-paid travel expenses and accommodation. This coverage will make cancelling your trip a little less upsetting.

Getting a Refund

If you’re purchasing your travel insurance abroad, don’t expect to get the option to cancel it afterward. Make sure you’re purchasing the best travel insurance before clicking “confirm”— because it’s usually non-refundable.

World Nomads

travel insurance already abroad

These days, World Nomads might be the most famous travel insurance company out there. And for good reason!

Not only do they provide instant confirmation of your policy, they also cover 150 different activities among their various plans. Aerial safari? Sailing? Tobogganing? Hot air ballooning? They’ve got you covered.

World Nomads has 24/7 customer support online and will be able to help you with any emergency assistance.

This insurance company is highly popular among long-term travelers and digital nomads. I’ve personally used World Nomads ever since I started traveling the world, because they’re one of the few companies that allow me to renew my insurance on the road. Many other providers require you to purchase insurance in your home country, which means you have to spend money on a ticket home just to renew a policy.

World Nomads also gives you the option to cover your gadgets up to a certain limit. Even though you’re purchasing your travel insurance a bit later than expected, you might feel safer by just covering as much as you can through them.

Atlas Travel® Insurance

travel insurance already abroad

Atlas Travel® Insurance is perfect for those who want to purchase or renew their policy while abroad, because their process is even easier than most. No hassle!

The company also covers emergency medical evacuation, lost checked baggage, emergency dental and all the basic requirements for your peace of mind —including translation assistance during treatment and hospital referrals.

The only downside of using Atlas is that it isn’t available to people in New York, Washington or Maryland. You also can’t buy it while in Canada or Australia. Remember, folks, always read the fine print!

True Traveller

travel insurance already abroad

True Traveller is an insurance provider specifically for Europeans.

True Traveller started out as a travel company, not an insurance company. Little by little, they became interested in the safety aspect of travel. And here they are today, offering travel insurance for Europeans traveling all over the world.

Their maxim is something every traveler should keep in mind: “If you can’t afford travel insurance, you can’t afford to travel.”

Maybe you wish someone had told you that before you went abroad. Oh well, it’s still not too late!

True Traveller offers medical cover, optional baggage cover and four different activity packs to choose from: Traveller, Adventure, Extreme and Ultimate Activity, depending on how you plan to spend your free time on your trip.

The company doesn’t require a return ticket, and your coverage kicks in immediately after you purchase it.

Their staff in London is multilingual and on duty 24/7, which brings me—and probably all of us—a sense of comfort.

To fully enjoy your time overseas, you should make sure the most important thing is covered: your health. And it’s not too late!

So buy the best insurance package for your needs, don’t take too many risks and have some fun!

Debbie Corrano is a digital strategist and writer. She works remotely while traveling the world full-time with her two dogs. Over the past few years, Debbie has lived in more than 10 countries, learned a few languages and worked with dozens of agencies and brands.

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Can I Buy Travel Insurance If I’m Already Abroad?

Already overseas and forgot to buy travel insurance before you left?

Has your travel insurance run out while you’re on vacation and you want to extend your stay or, heading to an area where it might be a really, really good idea to have travel insurance and you never bothered to buy any before? No matter the reason, buying travel insurance while you’re already abroad happens a lot more often than you’d think.

If you find yourself without travel insurance, and you’re already on the open road, don’t worry, we have the solution.

Can I buy travel insurance if I’m already abroad?

Whether you’re a classic procrastinator and forgot, or if your travel plans have changed: the good news is you can probably get travel insurance when already abroad for the remainder of your trip. Even better, the coverage you get will likely be similar to a policy you’d have purchased before you left.

This is important : No matter which policy you buy, you won’t be covered for injuries or accidents that happened before you buy your policy. So waiting until you’re on the way to the hospital isn’t the best time to buy travel insurance.

Not all travel insurance companies offer travel insurance if you’re already out of the country. In fact, many require that you haven’t already left on your trip. That said, there are some companies that let you get travel insurance after departure.

World Nomads

Safetywing nomads insurance.

SafetyWing Nomad Insurance offers flexible medical insurance while traveling.

If you’re on a budget, SafetyWing lets travelers pay for insurance on a monthly basis, as opposed to all at once in the beginning. 

Travel medical coverage starts from $42/4 weeks.

You can buy Nomad Insurance from SafetyWing in 180 countries. You can also by it while already traveling, in case you forgot to purchase insurance before leaving on your trip.

Learn more about SafetyWing Nomad Insurance here.

Waiting periods before coverage starts

Some insurers have a waiting period before coverage starts, which is usually just a few days, before your travel insurance coverage takes effect. This is more common for Australian and New Zealand companies, but we’ve also heard it happens with Canadian, UK and US companies. So, the answer to “Can you get travel insurance when already abroad?” is yes, but you may have to wait a few days.

If you get sick or have an accident during this waiting period, you likely won’t be covered. Insurance companies add this waiting period to protect themselves from fraud from people who’ve gotten sick or injured, and then buy insurance to cover the now existing injury or illness.

That said, check your policy because some insurers have a waiting period, but they’ll also cover you for emergency overseas medical expenses and emergency transport expenses for a sudden illness or serious injury that results from an accident during that waiting period. Every travel insurance company handles the waiting period differently, so talk with your travel insurance agent to see what they do and don’t cover during this waiting period.

Travel insurance coverage for people already abroad

Just like regular travel insurance, the costs and what’s covered under your policy varies a lot for travel insurance if you’re already overseas.

The exact eligibility requirements to buy travel insurance after departure, and cover you get, will depend on the specific insurer you choose for post departure travel insurance. Talk to an insurance agent to make sure you’re covered for every activity you plan on doing while you travel. The  best travel insurance for backpackers  can include insurance for standard backpacker activities like snorkeling, and hiking, but always make sure your plan includes the activities you’re interested in!

Depending on the travel insurance company you choose, age limits may apply. This is common for both standard travel insurance, as well as health insurance you buy when already on a trip. There are some travel insurance policies with no age limit, but some insurance policies have age limits as low as under 60 years of age. Read the fine print to make sure you qualify.

Pre-existing medical conditions

Just like standard travel insurance, depending on the plan you choose, you may also not be covered for pre-existing medical conditions. Of course this depends on your policy, as some travel insurance policies do cover some pre-existing medical conditions like stable high blood pressure.

It’s very important that no matter whether you’re buying your travel insurance before you leave or while you’re already on the road, to always tell your travel insurer about any pre-existing medical conditions when you buy your policy. Otherwise, you might be surprised when you submit your bills that they’re declined.

If you’re over the age of 60, pre-existing conditions get more common, and also more complex. We get a lot of questions from Canadian seniors heading south in the winter (called snowbirds) about pre-existing conditions and travel insurance. However, any good snowbird travel insurance coverage should include pre-existing conditions – just be sure to check your policy to make sure that you’re covered.

Tip: Always check your travel insurance policy to know exactly what your coverage offers, and if there are any exemptions. At the end of the day, your policy is your contract and generally supersedes everything else.

It’s probably non-refundable

Of course, each insurer is different, buy many travel insurers don’t offer you a cooling off period if you buy travel insurance once you’ve already left your home country. Instead, these policies are typically non-refundable. If you have any doubt, check your own policy to make sure.

Need some more help?

Have you ever wondered “ do I  need travel insurance “?

If you’re a Canadian, and looking for travel insurance, check out our  Canadian travel insurance review .

Have you bought travel insurance whilst already abroad? Let us know in the comments – we’d love to hear from you!

Super helpful info! I wonder why companies make it so difficult to get insurance once your’re abroad. Sadly could have saved over $100CAD by getting it when I was still in Canada, but plans change. Thanks for this info 🙂

Lynne, they probably do that to make sure you aren’t already hurt once abroad. They know that if you’re still in Canada you’ll likely get it taken care of here for free but they have no way of knowing that you didn’t hurt yourself once you were gone and wanted to now get travel insurance to cover you not getting it in the first place.

Hello, I am a healthy 70 year old Canadian and forgot to get travel health insurance before flying to Florida. I would like to get insurance for approximately 46 days. Can you please recommend companies that will do this. Many thanks

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Already Overseas Travel Insurance

Need travel insurance but already holidaying overseas? Compare with Savvy and get the best deal. 

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You'll have a lot on your mind when planning an international holiday. Bags, tick. Passport, tick. Airfares, tick. If you've left home without your travel insurance and you're already overseas, though, Savvy can help you find a policy suitable for you.

Australians already overseas can compare policies and providers who cover those already abroad to find the best for them. You'll get to weigh the pros and cons of each to narrow your choices, saving you both time and money. So, if you're already on holiday, compare with Savvy and get protected today.

Can I buy travel insurance if I’m already overseas?

Certain travel insurance providers on the market allow Australian residents to purchase a travel insurance policy if they’ve already made the trek overseas on a holiday. Usually, these providers require you to have a return ticket booked and be a permanent Australian resident, citizen or relevant temporary visa holder.

Buying travel insurance in this way will come with a waiting period, meaning your cover won’t kick in as soon as you purchase it. These waiting periods range from 48 to 96 hours from the moment you buy a policy but vary from one insurer to the next.

In most cases, you’ll be required to purchase your travel insurance within 30 days of leaving Australia if you’re already overseas. You are also likely going to be limited to 90 days of travel.

Policies tailored to those already overseas often come with age limits, much like standard travel insurance packages. It’s worth comparing travel insurance policies to help you find age restrictions which are suitable for you, as most policies start restricting coverage to those over 70 years old (though many travel insurers can offer cover to those up to 100 or older).

What does my travel insurance cover if I’m already overseas?

Usually, travel insurance purchased as an Australian resident whilst already overseas offers the same benefits as if you bought it before you departed on your holiday. However, double-check with your insurer’s Product Disclosure Statement so you can find a policy which offers you the right protection when you’re travelling.

Depending on the level of cover you purchase and who you purchase with, you should be covered for the following:

  • Medical and hospital expenses: if you’re asking yourself why you need travel insurance , coverage for any medical treatment is a good reason to purchase it when you’re already overseas. Most providers offer you unlimited coverage for maladies such as injuries or illness. Most comprehensive travel insurance policies will also cover you for any emergency dental procedures while you’re out of the country.
  • Lost or damaged luggage: having your personal items , such as your luggage, go missing or sustain damage can be frustrating. Your travel insurer can reimburse or replace your baggage and worldly belongings if they are lost, damaged or stolen under a covered event.
  • Cancellation: even the most well-organised holiday can be thrown off course, so when you need to cancel your trip due to a sudden illness or injury or the death of a loved one, your travel insurance provider can cover the costs.
  • Travel delays: whether your flight is delayed due to bad weather or your cruise ship misses a port, delays can be a real bummer when you just want to get to where you are going. Your insurance company will pay for a night’s accommodation, food, any transport and the bare necessities (toiletries and clothes) if your means of travel is delayed by more than 24 hours.
  • Personal liability: being embroiled in a messy and complicated lawsuit overseas can seem like a nightmare. If you have travel insurance whilst you’re overseas, you can be covered for up to $5 million if an accident happens and you’re found liable. For example, if you’ve travelled to Italy and crashed your Vespa into another scooter, it’ll pay to be protected as personal liability expenses can be costly.
  • Theft of money: if you’re targeted by pickpockets and lose some cash, most insurers allow you to claim up to $250 so you can get at least some of your hard-earned money back. Remember, insurers will want to see proof of the theft such as a report from the police or relevant authority.
  • Car rental excess: renting a car can be a great way to get around when you’re already overseas, whether you’re driving through the mountains on holiday in Phuket or taking a road trip across America. However, the cost of covering your vehicle’s excess can be steep if something goes wrong. Luckily, your travel insurance provider will cover the cost if car rental excess cover is included in your policy.
  • Accidental death: if you die whilst you’re already overseas and you have travel insurance, your provider will cover any costs associated with bringing your body home and arranging a funeral.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about travel insurance already overseas

There’s no universal rule on how late you can purchase your travel insurance. However, most people will tell you it’s wise to purchase your policy before you’re wheels up and heading out of Australia. Buying as soon as you know your travel dates could allow you to be covered for more pre-paid bookings if you do need to cancel for whatever reason down the track. If you accidentally depart without it, though, buying as soon as you realise will help you access the cover you need sooner (given the waiting period).

Yes – certain providers will let you extend your travel insurance policy when you’re already overseas. Some will allow you to add 12 months onto your policy, but others may require you to purchase a new one. However, if you’re planning on being away from home for longer, it may be worth taking out a long-term travel insurance policy.

Certain travel insurance companies will allow you to purchase a one-way policy if you’re already overseas and want to come home. For example, if you’ve been living overseas for years and need cover to come home, you can purchase a one-way policy. However, most travel insurance companies won’t allow you to purchase travel insurance if you’re already overseas and don’t have a return flight booked.

Comparing travel insurance with Savvy is one of the best ways to find a deal that’s tailormade to your travel needs. If you’re doing a bit of window shopping online for a policy, you may want to take the following factors into account:

  • The price of your premium
  • The type of coverage you want (such as annual, single-trip or one-way)
  • The level of cover you need (basic or comprehensive)
  • Inclusions and exclusions
  • Benefit limits
  • Cover for pre-existing conditions
  • Cooling-off periods
  • COVID-19 cover

If you’re a non-resident looking for travel insurance , your options could be quite limited. Most insurers in Australia will only offer already overseas coverage to permanent residents or those who are citizens. Therefore, if you live in Australia but aren’t a permanent resident, you probably won’t be able to get cover.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here , as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use .

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How Can I Buy Travel Insurance When Already Overseas

Already left the country without travel insurance? Fast Cover has a policy to cover you while you travel even if you leave Australia without any travel insurance.

How Can I Buy Travel Insurance When Already Overseas

  • Buying Travel Insurance When Already Oversees

Fast Cover - Margretta

Purchasing travel insurance from Fast Cover is not restricted to when you have not yet left Australia. We offer policies to people who have already embarked on their journey and don’t have insurance for some reason. At Fast Cover, we understand that there are some circumstances that may lead you to taking a policy out once you have already left Australia. These may include:

  • Being covered by another insurance company and the policy running out
  • Having travel cover for the country you are travelling to but not for other countries
  • Not having cover for a transit country
  • Being covered by your credit card but wanting extra cover
  • Seeking cover for a specific unplanned activity like skiing for part of your trip

Getting competitively priced already overseas travel insurance is now as easy as clicking a mouse. At Fast Cover, you simply tick the appropriate answers to get an accurate quote that suits your budget.

If you are an Australian citizen, you may qualify for already overseas travel insurance with us. 

All sorts of travellers - backpackers, students, families, skiers and senior citizens^ may purchase already overseas travel insurance from us. Just like most policies, there are some conditions and some eligibility criteria that needs to be met before a policy can be purchased. Please see below.

Can I buy travel insurance while I am overseas?

Australian residents can purchase an already overseas policy if they have left Australia or your travel insurance policy has expired.

You can purchase a Comprehensive, Standard Saver or Snow Sports plus policy, provided you meet the following criteria.

  • You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and
  • You are an Australian citizen or permanent resident normally residing in Australia. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing Australia); and
  • You hold a valid Australian Medicare card; and
  • You have a home to which you intend to return; and
  • Your trip ends in Australia; and
  • You are aged 65 years and under at time of purchase; and
  • You declare to us at the time of purchase that you are already overseas; and
  • We agree to issue you a policy and specify your status as 'already overseas' on your Certificate of Insurance.

Our already overseas policies are subject to:

  • A 48-hour no-cover period which applies to all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy).
  • A $500 excess for all claims.

Please note, you cannot purchase a Basics or Frequent Traveller Saver policy if you are already overseas.

Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia.

Is there a cooling off period for an already overseas travel insurance policy?

We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the policy (e.g. you have not made a claim or used your policy to obtain a visa). We have extended this money back guarantee to circumstances where you cannot go on your trip for a reason related to COVID-19 that is not covered under this policy.

If you need to cancel your Already Overseas policy, you should contact us before your cooling off period ends, and we will be able to cancel and refund the premium that you have paid, provided you haven’t made a claim or exercised any of your rights under the policy.

Please be aware, there is no cover   under any section of the policy for any event that arises within the first 48 hours of purchasing your policy .

Can I reduce the excess on an already overseas travel insurance policy?

No, you can’t reduce the excess on policies purchased while already overseas. A fixed $500 excess applies to all claims.

Can I extend my travel insurance policy if I am 80 years of age and already overseas?

We cannot extend policies to travellers who are over the age of 80 unless your trip is extended due to a claimable event, in which case your policy will be extended free of charge until you are able to travel home safely and directly or for a period of up to six months – whichever occurs first. Any extension must be approved by the Emergency Assistance team. Any persons over the age of 64 are not eligible for an already overseas policy.

What exactly am I covered for on an already overseas travel insurance policy?

When you purchase one of our already overseas policy you would be covered for the same benefits as if you purchased the policy whilst in Australia, including:

  • 24/7 Emergency Medical Assistance
  • Medical Expenses
  • Emergency Evacuations
  • Overseas Emergency Dental^
  • Personal Liability
  • If your trip is disrupted
  • If you need to return home for reasons outside of your control
  • Delay of luggage^
  • Luggage coverage^
  • Travel delays ^
  • Alternative transport ^

Important, please read and remember

Not all situations guarantee coverage while you have already embarked on your journey. It is important to do your research to find the best level of cover for your particular trip. Though Fast Cover have different policies you can choose from, not all situations are equal and not all policies will suit your situation. If in doubt, call or email us for a comprehensive breakdown of what is covered and not covered for already overseas policies.

^ Benefits subject to limits and exclusions of the insurance policy and may vary depending on policy type. Read the   Product Disclosure Statement   for further details

Fast Cover - Margretta

About the author

Margretta is a content writer at Fast Cover. Having a background in Design and Fashion, Mags uses her unique flair to educate customers on travel and insurance. You can trust her. She's a 'writer'.

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* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.

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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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Compare International Travel Insurance 2024 | CHOICE

Is Travel Insurance Worth It? Evaluating the Value and Benefits

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • Travel insurance covers risks like trip cancellations, health emergencies, and lost luggage.
  • Travel insurance costs can range from 4% to 12% of your total trip cost.
  • Travel insurance is best for trips that are long, expensive, nonrefundable, and international.

Vacations can be very expensive. If you're paying a lot for yours, you might wonder if you should purchase travel insurance, especially when some costs are nonrefundable.

The answer isn't always cut-and-dried. Travel insurance isn't necessary for everyone. Whether you need it will depend on a variety of factors. Here are some key points to consider when deciding if travel insurance suits you.

Introduction to travel insurance

When planning a trip, it's essential to think about how you'll protect yourself from the unexpected. That's where travel insurance comes in. It can cover various risks like loss of personal belongings, checked baggage, and more. With the appropriate coverage, you can nullify or mitigate the potential losses. "Plain and simple, travel insurance is a layer of protection against financial loss," says Brad Cummins, owner and principal agent for Insurance Geek , an insurance comparison platform. "Whether it be lost luggage or a lost passport, travel insurance will cover the extra costs during these unfortunate events."

Benefits of travel insurance

Protection against unforeseen cancellation.

One of the top reasons to acquire travel insurance is to cover potential losses from trip cancellations. When canceling a trip due to a covered cause, travel insurance will reimburse you for prepaid, nonrefundable expenses. 

Some covered causes for travel cancellations include:

  • Sickness, injury, or death of traveler or family member of traveler
  • Inclement weather
  • Unexpected work or layoffs
  • Terrorist incidents in a travel location

Some travel insurance covers trip cancellations regardless of the reason. However, you make certain trade-offs when you enroll in a  "Cancel for Any Reason" (CFAR) insurance policy . These policies are more expensive and may only refund a percentage of your trip's cost. You can find our guide on the best CFAR travel insurance  here.

Financial security and peace of mind

While your travel insurance covers any unforeseen issues before your trip, it continues to cover you even after your flight has taken off.

For example, you don't have to be as anxious at baggage claim when your fellow passengers have claimed their luggage and yours hasn't come out yet. Travel insurance offers lost luggage protection and can cover any necessary purchases while you wait for your late luggage to arrive, such as toiletries and a change of clothes.

Medical coverage on travel insurance  can also offer peace of mind as most US health insurers don't provide coverage when you're abroad. A comprehensive travel insurance plan will cover you in an unexpected accident or emergency so you can seek medical attention for an injury sustained while traveling without worrying about mounting medical bills.

Evaluating the cost of travel insurance

The average cost of travel insurance is 5%-6% of your total trip cost. However, the exact cost will vary based on factors such as your age, travel destination, and where you live, and can be as little as 4% of your trip cost or as high as 12% of your trip cost.

If you're wondering whether travel insurance is worth it, you're not alone. There are a few things to consider. If an emergency arises on your trip, travel insurance can reimburse part or all of your vacation expenditure. However, this will depend on factors such as your trip type and whether it's refundable.

Cost vs. potential savings

In general, travel insurance is worth it if you're concerned about losing money if your trip is called off or delayed or if you're worried about medical bills while traveling. However, conducting thorough research and understanding the costs and coverage provided is critical before purchasing a policy.

For example, older travelers or those with pre-existing medical conditions may pay more for their insurance. Similarly, those traveling to high-risk destinations or participating in high-risk activities may also face higher premiums. 

Ultimately, it's important to shop around and compare quotes from different travel insurance companies to find the best coverage and rate for your needs. You can find our picks for the best travel insurance companies here. 

Cost-benefit analysis for different trip types

Travel insurance may be a wise investment if you've already paid for your and can't change or cancel your trip without penalty. Suppose your trip is canceled or disrupted due to a covered cause. In that case, travel insurance will cover the trip's cost and any other nonrefundable expenditures up to a pre-determined amount.

If you're heading to a country where your health coverage doesn't apply, or if you don't have any health insurance at all, travel insurance might provide the protection you need. Travel insurance can also assist you in case of medical emergencies. It's vital to understand that not all travel insurance policies are created equal. Be sure to carefully study the details and understand what is and isn't covered before purchasing one.

Scenarios where travel insurance is essential

Expensive vacations and long-term travel.

It's a good idea to insure trips with a high, nonrefundable price tag because you'll never forgive yourself if your expensive, once-in-a-lifetime trip gets canceled and your money and planning go down the drain. For these vacations, you'll want to find a policy that covers 100% of expenses.

Similarly, if you have long-term travel plans, you'll want to have a policy that protects against travel interruption in case something cuts your plans short. You'll also want medical coverage during extended stay outside the country.

High-risk destinations and activities

High-risk destinations include regions facing political instability, war zones, and areas prone to natural disasters. Travelers headed to these areas should look into travel insurance in case their trip is canceled due to an unforeseen event. 

Additionally, certain areas are known for the thrilling activities they offer, like skydiving and bungee jumping. If you have extreme sports on your itinerary or believe you might build up the courage to plunge down a canyon, you may want to invest in a travel insurance policy. Keep in mind that some travel insurance policies don't cover high-risk activities, so shop carefully.

When travel insurance may not be necessary

Low-risk, short, or domestic trips.

There are also some situations in which you might not need travel insurance. If you are traveling within the US, you do not need travel insurance for health reasons since most health insurance plans will cover you even if you're not in your home state. 

Additionally, travel insurance may not be necessary if you're only traveling over the weekend or exclusively booked refundable experiences.

Making an informed decision

There are a few key considerations when buying a travel insurance policy. The cost of the policy is one factor, but it's also important to look at the coverage limits and what is included and excluded in the policy. Be sure to read the fine print carefully and compare policies between different companies. 

It's also important to consider the purpose of your travel insurance policy. If you're going on a trip where you'll be doing adventurous activities, ensure your policy covers those activities. Finally, remember that travel insurance is there to protect you in case something goes wrong on your trip, so don't hesitate to use it if you need to.

If you decide that you need travel insurance, here are a few things to keep in mind when shopping for a policy:

  • Read the fine print of any policy you are considering to understand what is and is not covered. This is especially important for those who want to add special coverage options. 
  • Compare policies from different providers to find the best coverage at the best price.
  • Purchase your policy well in advance of your trip so that you are covered in case of any unforeseen circumstances.
  • Ensure you're covered for pre-existing conditions because a number of policies will exclude pre-existing conditions if you don't pay extra for a waiver or additional coverage. 

Buying travel insurance can be a pretty quick and painless process, thanks to insurance aggregator sites like SquareMouth .

Using SquareMouth is one of the easiest ways to see multiple coverage options simultaneously. Once you've entered some personal details and information regarding your trip, you'll see a variety of insurance providers and plans from which to choose.

Assessing personal and trip risks

The first consideration you should factor into travel insurance is how much of your trip is already paid for. If you've prepaid for most or all of your travel expenses, you may want to purchase travel insurance if you have to cancel.

Another thing to consider is where you will be traveling. If you are visiting multiple countries, getting insurance that covers you in all of them might be a good idea.

Your age and overall health can also determine whether you need travel insurance. Suppose you are older or have pre-existing medical conditions, for example. In that case, it might be a good idea to purchase travel insurance if you need to cancel your trip or incur unexpected medical expenses.

Lastly, the value of your luggage can also be a factor to consider. If you plan to bring expensive items with you on your trip, it might be worth purchasing travel insurance to cover lost or stolen luggage.

Reviewing policy options and exclusions

When it comes to travel insurance, the ease of use will depend on the provider you choose. If you're working with a reputable insurer, then the process should be relatively straightforward. However, it's still important to understand what is and isn't included in your policy before you purchase it. This way, you can be sure that you're getting the coverage you need and that you won't be caught off guard by any fine print.

Travel insurance isn't necessary for everyone or every trip. But it can bring a lot of peace of mind during your travels and can certainly translate into significant savings if you're faced with a medical emergency while on your trip. It's best to do your research, compare plans, and understand your own level of risk when it comes to deciding whether or not to purchase coverage.

Travel insurance frequently asked questions

Travel insurance is highly recommended for trips that are long and expensive. For example, you should buy travel insurance for any international trips, cruises, adventure travels, and trips with significant pre-paid expenses.

To say that travel insurance will save you money in the long run isn't entirely accurate. Travel insurance will save you money when things go wrong, but it won't save you any money if your trip goes smoothly.

Short domestic trips don't necessitate travel insurance. Most health insurance policies cover you from state to state, so unless you're worried about unexpected cancellations, travel insurance isn't a must-have.

Travel insurance policies commonly exclude coverage for pre-existing medical conditions, extreme sports injuries, and travel to high-risk countries.

Cost-benefit considerations should include the total cost of your trip, the refundability of your expenses, your destination's healthcare costs, and your personal health and travel risks.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Tick Insurance Reviews Reviews

Tick Insurance Reviews reviews

Tick Travel Insurance provides fast, affordable travel insurance, so you can tick one thing off your list when it comes to planning your next holiday. Policies are available to Australian residents under 100 years of age. Dependants travel for free with parent or grandparent. Their 24/7 emergency assistance is provided by Mapfre assistance and they are underwritten by Mitsui Sumitomo Insurance Company.

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Customer Experience

Claims experience, value for money.

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This insurance is useless Do Not Purchase

After 40 yrs of worldwide travel I finally needed it when I collapsed in Bali from double pneumonia. ...  Read more

After 40 yrs of worldwide travel I finally needed it when I collapsed in Bali from double pneumonia. They are refusing to pay and I am still 'being reviewed '. After 5 weeks and much distress we are out close to $20 thousand AUD...I bought it through Insureandgo.com. don't buy online..... [email protected]

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DO NOT use this company

We used this company recently and had to use their services ( never had to in the past) the process t...  Read more

We used this company recently and had to use their services ( never had to in the past) the process took so long, there was never any understanding to any of what we had informed them and wanted a receipt for every item missing. This is not usually possible as some items were gifts, one item we had purchased from duty free on the flight over and the receipt was in the bag. Absolute waste of time and money, be warned they're not in it to help at all but for themselves. NEVER again.

1 comment on this review

Do not use Tick - terrible

Tick Travel Insurance took over 5 weeks to reject a simple delay of travel claim. Reasonable expectat...  Read more

Tick Travel Insurance took over 5 weeks to reject a simple delay of travel claim. Reasonable expectation that if your flight is delayed/cancelled it would be covered but fine print says only return trips covered and cutting a trip short does not cover this either.

They DO NOT PAY when something happens

To make a claim, you need "ALL ORIGINAL receipts as a proof of ownership/value for the items that you...  Read more

To make a claim, you need "ALL ORIGINAL receipts as a proof of ownership/value for the items that you intend to claim - Unfortunately, as per the PDS we cannot accept photographs". I don't think many people would have ALL ORIGINAL receipts of their luggage

TICK INSURANCE IS A SCAM

it may seem like a cheap insurance- but it is so much paper work, they take ages and its a $200 exces...  Read more

it may seem like a cheap insurance- but it is so much paper work, they take ages and its a $200 excess!!! Absolutely not worth it!

Travel Insurance

We had a good experience with Tick travel Insurance, made a small claim on our last trip with no prob...  Read more

We had a good experience with Tick travel Insurance, made a small claim on our last trip with no problems and have used Tick travel insurance again for our next trip coming up.

Helpful staff and good value cover

I had to postpone my travel back to Australia due to getting sick in the US. Once I got in touch with...  Read more

I had to postpone my travel back to Australia due to getting sick in the US. Once I got in touch with Tick and telling them about my changed travel plans, they were kind enough to extend my cover by a week and told me to get a medical certificate that proves my condition. After getting back to Australia, I lodged a claim to recover some of the extra hotel/flights costs that I had to pay for myself, whilst being sick overseas. To my surprise, I almost got a full refund minus the excess obviously ($200). The claiming process took a bit long as it's all paper based and sort of manual via emails, but overall, I am very happy with Tick and I will arrange a cover with them next time again.

Avoid at all costs!

I took out a policy with Tick, went to hospital in Thailand in July & made a claim. They wanted a...  Read more

I took out a policy with Tick, went to hospital in Thailand in July & made a claim. They wanted a ridiculous amount of paperwork (flights, accommodation, expenses etc.). I provided them with everything & in late August they approved my claim. It’s now mid September & they never sent me a refund. They are now not replying to my emails anymore. These guys are a complete scam. Avoid at all costs!

Shouldn't be able to continue business

This so called insurance outfit are no good, I've had no correspondence in regards to my claim. RIP ...  Read more

This so called insurance outfit are no good, I've had no correspondence in regards to my claim. RIP OFF! Business needs to be audited and shut down

AVOID, PROVIDE FALSE INFORMATION AND DENY CLAIM

Airline stranded us due to cancelled flights, spoke to Tick insurance who confirmed I can book altern...  Read more

Airline stranded us due to cancelled flights, spoke to Tick insurance who confirmed I can book alternative flights and they will cover these. Submitted claim once got home using alternative flights and all they covered was 20% of meals and accomm. Absolute disgrace, no chance am I ever using TICK again. Will be reporting them to AFCA

I got a quote online. Received an email with price and link. Top international insurance with extras....  Read more

I got a quote online. Received an email with price and link. Top international insurance with extras. Link was valid for 2 weeks (from their email). Next day clicked on the link to pay- price is over $100 higher! Emailed them, they said- oh, well... Called- same answer. Escalated, spoke to a 'manager'- no explanation why is it, no desire to rectify... Very dissapointing!!! Of course went with some other insurance....

AVOID THIS COMPANY

This company screams dodgy. I purchased travel insurance through them and then received an email...  Read more

This company screams dodgy. I purchased travel insurance through them and then received an email asking to submit a review on my experience. (you literally haven't done anything, but explains how they have some good reviews on here) One of my flights got cancelled etc, so I logged in to submit a claim. Portal just goes to an error message page. this kept happening for the new few days. I finally emailed them on two occasions and have not heard a peep back. AVOID this company.

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Tick Insurance FAQ

How many people can i include in my policy.

The more the merrier right? Tick allows you to buy a policy up to 10 adults online.

Am I covered if I go on a cruise?

Yes you are. Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific.

Am I covered for skiing and my equipment?

Yes as long as you pay for their winter sports package. You’re covered for unlimited medical evacuation from the slopes, $600 for your pre-booked Lift Passes and Ski Packs and $1,250 cover for damage to your winter sports equipment.

Can I pay to reduce or cancel my excess?

Yes if you pay an additional premium with their excess eliminator when you purchase your policy.

Am I covered if my tour company collapses?

Yes, they cover for the financial default of a travel insurance service provider. T&C's apply.

I’m not an Australian resident- can I buy cover?

No, only available to residents.

What size moped or motorbike am I covered to ride overseas?

No limit on bike engine size, however different conditions apply to bikes over 250cc and more.

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? No problems! You can extend your policy as long as your initial policy has not expired. Just give them a call on 0293333964.

Do they cover for my rental vehicle excess?

Yes, for up to $4000 in their Top policy.

What is their cooling off period?

Who underwrites them.

This insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816. Mitsui Sumitomo has appointed Mapfre Insurance Services Australia Pty Ltd, ACN 140 219 594 (Tick Travel Insurance) as its authorized Representative to deal with this insurance product.

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  • United Kingdom

Travel insurance for volunteers

Many insurers will cover you for volunteer work overseas. the conditions can vary by insurer though, so compare your options below..

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In this guide

Do I really need cover?

What is my obligation to my volunteers, what am i covered for, what is generally excluded, what other insurances do i need, i need some tips before i go, got any, how do i find a good placement, ready to compare policies.

Destinations

Are you planning on volunteering? Has the NGO or not-for-profit you are working with requested you get travel insurance?

Many insurers will cover you for volunteer work overseas. However, there will be conditions – the most common condition being you are not permitted to engage in any manual labour. Below are the conditions for a number of the travel insurance brands in the Finder panel and how they treat overseas volunteer work and travel insurance.

Note: This information was last updated August 2022

Apply for travel insurance for volunteers

Find out more about travel insurance for volunteers

  • Who covers overseas volunteer work?

If you're being sent overseas by a not-for-profit organisation, the company may have travel insurance that covers you. If you are heading off on a voluntary working holiday or a private trip, you will need to take out travel insurance for yourself.

Travel insurance for volunteers is similar to regular travel insurance, in that it covers the 3 main areas of risk:

  • Medical and hospital
  • Theft or loss of belongings
  • Trip cancellations or delays

Because it's more than just a holiday, with your participation in activities that have an impact upon others, you may also wish to consider additional cover such as personal accident, public liability and, if you are providing a service or giving advice to others, professional indemnity insurance.

Not-for-profit organisations that send volunteers overseas need to have travel insurance for them as a matter of course. They have an obligation to ensure the people who are helping them are covered against every eventuality.

As well as a moral obligation to protect its volunteers, having insurance should also be part of an organisation’s normal risk management procedures. After all, if a volunteer were to do something on behalf of the organisation that led to a lawsuit, the organisation could be facing a crippling claim that could lead to its demise.

As mentioned previously, travel insurance for volunteers should cover the 3 main areas of risk. Whether it is domestic or international travel insurance, it should protect against loss of deposits and additional expenses associated with flight cancellations and delays. It should also cover lost, stolen or damaged baggage and personal items.

As with most insurance policies, all areas of cover are contingent upon the insured being a participant in an approved activity at the time of any incident. In the case of a volunteer, that would mean performing tasks associated with their voluntary work.

A good policy should protect you in the following ways:

  • 24-hour assistance
  • Accidental death & permanent total disablement
  • Alternative therapies
  • Baggage delay over 12 hours
  • Cancellation costs
  • Clinical psychology after assault or trauma
  • Compassionate emergency visit home
  • Credit repayment for full-time students
  • Emergency dental treatment
  • Emergency medical transport & repatriation
  • Hire of sporting equipment
  • Kidnap or hijack
  • Local funeral expenses or repatriation of remains
  • Out-of-pocket expenses in hospital
  • Overseas medical costs
  • Personal liability
  • Rental vehicle insurance excess
  • Resumption of trip
  • Return of rental vehicle
  • Theft or damage to baggage & personal items
  • Trip interruption costs

Some exclusions apply to volunteer travel insurance, as they do in any travel insurance policy. Exclusions are instances in which the insurer will not cover the insured and these include:

  • War or terrorism
  • While under the influence of alcohol or drugs
  • While training or competing in an organised sport
  • While flying in any craft, other than as a passenger on a commercial airline
  • Suicide or attempted suicide
  • Driving or riding in a race
  • Childbirth or pregnancy
  • Maintenance of a pre-existing medical condition
  • While travelling against medical advice
  • Non-emergency dental treatment
  • Precautionary measures such as vaccinations
  • Loss of personal property left unattended or unsupervised
  • Sexually transmitted diseases
  • Radioactive contamination
  • Irresponsible or illegal activity

Volunteer and not-for profit organisations need a range of different types of insurance, just as for-profit organisations do. The fact that they have workers representing them and for whom they are responsible dictates this, regardless of whether they are being paid by the organisation or not.

As well as travel insurance for those workers who travel domestically or internationally on their behalf, a not-for-profit organisation may also need insurances such as the following:

  • Public liability insurance to protect against claims of third party injury or property damage
  • Product liability insurance to provide cover if they sell food or products as part of their fundraising efforts
  • Directors and officers liability insurance to protect volunteer committee and board members from being sued for negligence
  • Property insurance to cover contents and to protect property owned by the organisation against storm, fire and theft
  • Fidelity insurance to protect against misappropriation of funds by employees or committee members
  • Personal accident insurance to cover volunteers for expenses incurred following accidental injury, disability or death while carrying out work on the organisation’s behalf
  • Cyber liability insurance to cover losses suffered and legal liability to others arising from system breaches

As well as taking out travel insurance or ensuring that your not-for-profit organisation has taken it out on your behalf, volunteers should also take the following precautions before heading overseas. Due to the political instability and poverty-stricken nature of many countries requiring volunteer assistance, you could find yourself in danger or in trouble with the authorities unless you take certain steps beforehand. These could include:

  • Researching the organisation you intend to volunteer with to ensure it is reputable and that the work you will be doing will be of value
  • Studying the culture and learning the language, laws and customs of the country you plan to visit
  • Obtaining the right paperwork, including visas, work permits and other documentation
  • Reading and taking note of travel warnings issued by the Australian Government Smartraveller website
  • Registering your travel plans with Smartraveller and notifying friends and relatives of your intended movements

Claire didn't forget about travel insurance

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Nothing had been organised by the subsidiary organisation on the ground and there were no students to teach and no school to teach at. Claire returned to Australia out of pocket and thoroughly disillusioned and made a formal complaint to the not-for-profit organisation she had signed up with.

Fortunately, the organisation made some attempt at restitution, sending her on a new volunteer trip free of charge and paying half of her airfares. The moral here is to thoroughly research the organisation you plan to volunteer through and to have adequate travel insurance to cover trip cancellations and additional expenses.

  • What am I in for? Make sure that the program is above board.
  • Should I speak with previous volunteers? Yes, finding out first hand from previous volunteers is a great way of knowing whether or not the organisation does what it says it does.
  • Should I go off the beaten track? Staying away from popular tourist destinations will help you have a more authentic experience and help those truly in need.
  • How can I make sure I'm really helping? Find a program that either handles its own projects or is affiliated with a project you are interested in. Avoid those that outsource volunteers.
  • I like working with children, what about helping in an orphanage? According to Smartraveller, you should steer clear of orphanages unless you are able to spend a lot of time there.

Hopefully this article has shown that, while volunteering can be a rewarding experience, it needs to be undertaken with due care and planning and with adequate protection in place in the form of travel insurance. And that applies regardless of whether you’re an individual or an organisation with a duty of care to look after your volunteers.

  • Volunteer Abroad UBELONG , licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)" target="_blank"> Picture: Volunteer Abroad UBELONG
  • Picture: Shutterstock

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Richard Laycock

Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance.

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Navigator Travel Insurance

Travel Insurance After Departure

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 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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Destination Information

Excluded destinations: TICK Travel Insurance will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.

Included destinations:

The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, Norfolk Island, New Zealand)

Worldwide exc USA:

If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide inc USA:

If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America.

South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas

South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam

East Asia: China, South Korea, Hong Kong, Japan, Taiwan

Please note:

  • If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America.
  • If you will spend more than 48 hours of your trip in the continents of North America, South America, then you should select the Worldwide Including Travel Plan.

Group Types

Policy Types

You have the option to select:

This option provides cover for one adult who is 18 years of age or older and their accompanying dependent children.

This option provides cover for two adults who are in a Partner relationship.

This option provides cover for two adults who are in a Partner relationship and their accompanying dependent children.

Wintersports cover

Add this option and have the peace of mind that if your winter sports equipment is lost, damaged or stolen or if your enjoyment is disrupted due to Piste Closure or Avalanche you will be able to recover prepaid expenses up to the levels detailed in our Table of benefits.

Important – To have cover for any injuries incurred or caused whilst taking part in winter sports activities (e.g. skiing, snowboarding, ice skating etc) you must have purchased this option. Please see our Product Disclosure Statement for full details of the specific winter sports activities which are covered as standard under our policies.

Please note that for One trip policies this option is available on Bare Essentials, Silver and Gold levels of cover but for Annual Multi trip policies this option is only available if you have chosen the Gold level of cover.

Cheap Travel Insurance

Tick Travel Insurance is all about offering you affordable travel insurance without compromising on the benefits. Our cover^ is ideal for a range of overseas travellers, whether you’re treating yourself to a luxury holiday in Europe, a skiing trip in Canada or simply popping to Bali or Bangkok.

Just how cheap is Tick’s travel insurance^?

Our policies^ start from as little as $19. 1

To give you more of an idea, you can cover a week-long trip to Thailand for just $39 2   with Tick’s Standard Cover, and an entire two-week stint in Rio de Janeiro for as little as $50 3   How awesome is that?

See for yourself – grab a Tick quote below!

Considering covering your trip with Tick Travel Insurance? It’s cheap on price*, but not on the benefits. Here’s what you get:

Unlimited medical & hospital expenses when overseas

Up to $20,000 in cancellation cover on Top Policies

Cover for 90+ sports and activities, including bungee jumping, scuba diving and more (make sure you check the PDS to ensure your activities are covered!)

FREE cover for kids when they travel with mum or dad

Cover for travel delays, or cutting your trip short

Consideration of all pre-existing medical conditions online or over the phone

Why get travel insurance with Tick?

At Tick, we believe that insuring your holiday shouldn’t cost you a fortune. We know what it’s like to travel on a budget and we understand that lots of Aussies out there still want top-value travel insurance without having to break the bank.

That’s where Tick comes in! We’ve designed our travel insurance packages to be comprehensive but not costly. We offer great perks and we give you the option to choose from 4 different levels of cover (Basic, Budget, Standard and Top) so that you can find the best policy for your trip.

1   Based on 4 nights in Bali for travellers aged 30

2   Based on 7 nights in Thailand for one traveller, aged 30, with Standard Cover

3   Based on 2 weeks in South America for one traveller, aged 25, with Basic Cover

* We offer 4 tiers of policy (Basic, Budget, Standard and Top) to suit every budget. Our policies provide the cover you need, without the extras that you don’t, to make finding the right policy easy.

IMAGES

  1. How to buy travel insurance when you're already abroad (after departure

    tick travel insurance already overseas

  2. Already overseas and need travel insurance?

    tick travel insurance already overseas

  3. Tick Travel Insurance Review

    tick travel insurance already overseas

  4. Review: Review: Tick Insurance travel cover, claims and more [2020

    tick travel insurance already overseas

  5. Planning a Holiday? Save 15% on Tick Travel Insurance from Tick Travel

    tick travel insurance already overseas

  6. Canstar 2022

    tick travel insurance already overseas

COMMENTS

  1. Already Abroad? 3 Companies That Will Still Provide Travel Insurance

    True Traveller. True Traveller is an insurance provider specifically for Europeans. True Traveller started out as a travel company, not an insurance company. Little by little, they became interested in the safety aspect of travel. And here they are today, offering travel insurance for Europeans traveling all over the world.

  2. Can I Buy Travel Insurance If I'm Already Abroad?

    Just like regular travel insurance, the costs and what's covered under your policy varies a lot for travel insurance if you're already overseas. The exact eligibility requirements to buy travel insurance after departure, and cover you get, will depend on the specific insurer you choose for post departure travel insurance.

  3. Already Overseas Travel Insurance

    Compare already overseas travel insurance policies. Get cover if you're already abroad. Medical expenses, cancellations, lost luggage and more ... Tick. Travel Insurance Saver. Travel Insuranz ...

  4. Already Travelling & Abroad Travel Insurance

    Travel Insurance when already abroad. If you're already travelling and need insurance, you can get covered here, right now. £10M Medical Cover. No Return Ticket required. ... So, you can buy travel insurance even if you're already overseas, so get free quote and get covered today!

  5. Travel Insurance Already Overseas

    Airfares, tick. If you've left home without your travel insurance and you're already overseas, though, Savvy can help you find a policy suitable for you. Australians already overseas can compare policies and providers who cover those already abroad to find the best for them. You'll get to weigh the pros and cons of each to narrow your choices ...

  6. Cheap Travel Insurance

    Our policies provide the cover you need, without the extras that you don't, to make finding the right policy easy. *Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium. Get award winning and affordable travel insurance from Tick ...

  7. How Can I Buy Travel Insurance When Already Overseas

    Australian residents can purchase an already overseas policy if they have left Australia or your travel insurance policy has expired. You can purchase a Comprehensive, Standard Saver or Snow Sports plus policy, provided you meet the following criteria. You have been overseas for less than 14 days, or have been insured under a travel insurance ...

  8. Review: Travel insurance by Tick Insurance

    With seven different policies and tougher thresholds to meet for some claims, Tick customers may become ticked off at claim time. By Chris C., August 6 2020. Notes. The Good. The potential to balance cost with coverage. The Bad. Travel delays aren't covered unless they pass 12 hours. X-Factor.

  9. Tick Travel Insurance Top Review

    Limit for travel agent cancellation fees. $1500. Cancellation for insolvency of a travel services provider. View more details. Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency).

  10. Already overseas and need travel insurance?

    48 hours. Australian residents, who usually live in Australia, can purchase if your trip commences overseas and ends in Australia. Cover cannot be purchased if you have been overseas less than 14 days, or your current policy has expired for no more than 14 days. A $500 excess applies for all claims.

  11. Assessing the Value of Travel Insurance for Your Trips

    Travel insurance costs can range from 4% to 12% of your total trip cost. Travel insurance is best for trips that are long, expensive, nonrefundable, and international. Vacations can be very expensive.

  12. Travel Insurance

    ^This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (Mitsui Sumitomo Insurance), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, trading as Tick Travel Insurance and other brands, is an Authorised Representative appointed by Mitsui Sumitomo Insurance to distribute and administer this insurance product.

  13. Tick Travel Insurance Review

    Table updated November 2023. Tick Travel Insurance: Covid-19. Tick Travel Insurance is one of a few providers that offer some Covid-19 cover for both overseas and domestic trips.

  14. Tick Travel Insurance

    Tick Insurance Reviews Reviews. Tick Travel Insurance provides fast, affordable travel insurance, so you can tick one thing off your list when it comes to planning your next holiday. Policies are available to Australian residents under 100 years of age. Dependants travel for free with parent or grandparent. Their 24/7 emergency assistance is ...

  15. Find Travel Insurance for Volunteers Working Abroad

    Already overseas travel insurance. Expat travel insurance. Destinations. ... Tick covers conservation or charity work (educational educational and environmental - working with hand tools only ...

  16. Travel Insurance Benefits

    Baggage Delays. Passports & Money. Personal Accident & Loss of Income. Personal Liability. Pet Care. Excesses. Rental Vehicle Excess Waiver. Children & Dependents. Learn here about what travel insurance policy you are buying and what benefits you can claim if needed.

  17. Travel Insurance After Departure & When Already Abroad

    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 ...

  18. Travel insurance when already overseas

    The travel insurance you get when you're already overseas typically covers the same things as travel insurance purchased before your journey - though there might be some different limits and conditions. Depending on your insurance provider and your level of cover, you could be covered for: Overseas medical expenses. Lost and damaged luggage.

  19. Tick Travel Insurance

    Underwritten by certain underwriters at Lloyd's. Consider the PDS. 4.6 from 2,222 reviews. Ad. Visit Official Website. Tick Travel Insurance - International Standard (Travel Insurance): 4 out of 5 stars from 680 genuine reviews on Australia's largest opinion site ProductReview.com.au.

  20. Tick Travel Insurance

    Get a quote for your next trip with Fast Cover Travel Insurance. Underwritten by certain underwriters at Lloyd's. Consider the PDS. 4.6 from 2,217 reviews. Ad. Visit Official Website. Tick Travel Insurance - International (Travel Insurance): 4 out of 5 stars from 1,611 genuine reviews on Australia's largest opinion site ProductReview.com.au.

  21. Covid-19 Travel Insurance Benefits

    ^This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (Mitsui Sumitomo Insurance), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, trading as Tick Travel Insurance and other brands, is an Authorised Representative appointed by Mitsui Sumitomo Insurance to distribute and administer this insurance product.

  22. Tick Travel Insurance reviews

    Tick Travel Insurance (Travel Insurance): 4 out of 5 stars from 2,812 genuine reviews on Australia's largest opinion site ProductReview.com.au. ... If you haven't already done so, please consider reading our Product Disclosure Statement (PDS) which outlines all the inclusions, exclusions, limits, and other details policy related to determine ...

  23. Cheap Travel Insurance in Australia

    ^This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (Mitsui Sumitomo Insurance), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, trading as Tick Travel Insurance and other brands, is an Authorised Representative appointed by Mitsui Sumitomo Insurance to distribute and administer this insurance product.