How To Buy Travel Insurance After Departure (w/ COVID Cover)

Introduction

Traveling is an exhilarating experience that allows us to explore new destinations, immerse ourselves in different cultures, and create lasting memories. However, unforeseen events can occur, putting a damper on our plans and resulting in unexpected expenses. That’s where travel insurance comes in.

While many travelers opt to purchase travel insurance before their departure, there are instances where circumstances may lead us to purchase coverage after we’ve already started our journey. Whether it’s a last-minute decision, a change in travel plans, or simply forgetting to purchase insurance beforehand, buying travel insurance after departure is still possible.

In this article, we will explore the need for travel insurance post-departure, the benefits it offers, factors to consider when buying insurance after departure, the types of COVID cover available, how to choose the right travel insurance provider, steps to purchase insurance after departure, and answer some frequently asked questions.

It’s important to note that while the process of buying travel insurance after departure may vary depending on the provider and policy, this guide will provide you with a general understanding of the steps involved and the considerations to keep in mind.

So, whether you’re already exploring a new city, or you have plans to depart soon, continue reading to learn how you can protect yourself with travel insurance even after the journey has begun.

Understanding the Need for Travel Insurance Post Departure

While travel insurance is commonly purchased before embarking on a trip, there are situations where the need for coverage arises after departure. Understanding why travel insurance is important post-departure can help you make an informed decision about purchasing coverage.

One of the primary reasons for considering travel insurance after departure is to protect yourself against the unexpected. Even the most well-planned trips can encounter unforeseen circumstances such as medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and other mishaps that can disrupt your travel experience.

Medical emergencies are a significant concern for travelers, especially when in unfamiliar territories. In the unfortunate event of an illness or injury, having travel insurance with medical coverage can provide you with financial assistance for medical treatments, hospital stays, emergency medical evacuations, and repatriation of remains if necessary.

Another reason to consider travel insurance post-departure is trip cancellation or interruption. Life is unpredictable, and situations like family emergencies, natural disasters, or unforeseen events can force you to cut short or cancel your trip. Having travel insurance that offers trip cancellation or interruption coverage can reimburse you for non-refundable expenses like flights, accommodations, tours, and other prepaid expenses.

Lost or delayed baggage is another concern that travelers often encounter. Arriving at your destination without your luggage can be frustrating, and it can disrupt your plans. Travel insurance can provide coverage for lost, stolen, or damaged baggage, giving you peace of mind and financial recourse to replace necessary items.

In addition to these common scenarios, travel insurance can also cover expenses related to travel delays, missed connections, personal liability, and emergency assistance services. These benefits can vary depending on the specific policy and provider you choose, so it’s essential to review the terms and conditions of the policy before making a purchase.

By understanding the potential risks and challenges that can arise during your travels, you can see why having travel insurance post-departure is valuable. It provides a safety net that can safeguard your finances and provide support in times of need, allowing you to focus on enjoying your trip with peace of mind.

Benefits of Buying Travel Insurance After Departure

While purchasing travel insurance before your trip is ideal, there are still several benefits to buying it after departure. Here are some advantages of buying travel insurance after you’ve already started your journey:

1. Emergency Coverage: One of the primary benefits of buying travel insurance after departure is that you can still avail emergency coverage. This includes medical expenses, emergency medical evacuation, and repatriation of remains, ensuring that you’re protected in case of unexpected medical emergencies.
2. Trip Interruption Coverage: If your trip gets interrupted due to unexpected circumstances such as the death of a family member, illness, or natural disasters, having travel insurance can help reimburse your non-refundable expenses, including flights, accommodations, and prepaid activities.
3. Lost or Delayed Baggage Coverage: Travel insurance purchased after departure can provide coverage for lost or delayed baggage. If your luggage goes missing or is delayed, the insurance can help cover the cost of replacing essential items and compensate you for the inconvenience caused.
4. Travel Delay Coverage: If you experience a significant travel delay due to unforeseen circumstances like weather conditions, strikes, or mechanical breakdowns, travel insurance can reimburse you for the additional expenses incurred, such as accommodation, meals, and transportation.
5. Coverage for Missed Connections: If you miss a connecting flight or transportation due to circumstances beyond your control, such as a delay or cancellation of your initial flight, travel insurance can help cover the additional costs associated with rebooking or rescheduling your travel plans.
6. Personal Liability Coverage: Travel insurance can also provide personal liability coverage, protecting you in case you accidentally cause damage to property or injure someone while traveling.
7. Peace of Mind: Perhaps the most significant benefit of buying travel insurance after departure is the peace of mind it offers. Knowing that you have coverage in case of emergencies or unforeseen events can alleviate stress and allow you to fully enjoy your trip.

It’s important to note that the specific coverage and benefits may vary depending on the travel insurance policy you choose and the provider. Take the time to thoroughly review the policy terms and conditions to ensure it meets your specific needs.

While it’s always recommended to purchase travel insurance before your trip, buying it after departure can still provide valuable protection and financial support, ensuring a smoother travel experience.

Factors to Consider When Buying Travel Insurance After Departure

When buying travel insurance after departure, there are several important factors to consider to ensure you choose the right coverage for your needs. Here are some key factors to keep in mind:

1. Coverage and Benefits: Carefully review the coverage and benefits offered by the insurance policy. Ensure that it includes the necessary coverage for medical expenses, trip interruption, lost baggage, travel delays, and other potential risks you may encounter.
2. Policy Duration: Check the maximum duration for which the policy can be purchased post-departure. Some insurance providers may only allow post-departure purchases within a specific time frame, so make sure you buy the insurance within the allowed period.
3. COVID-19 Coverage: Given the ongoing pandemic, it’s crucial to consider the COVID-19 coverage provided by the insurance policy. Look for coverage for medical expenses related to COVID-19, trip cancellations due to COVID-19-related reasons, and other benefits specific to the current situation.
4. Pre-existing Conditions: If you have any pre-existing medical conditions, carefully review the policy to ensure that it covers them. Some insurance policies offer coverage for pre-existing conditions, while others may have certain exclusions or limitations.
5. Claim Process: Understand the procedure for filing claims and the documentation required. Ensure that the insurance provider has a straightforward and accessible process for submitting claims, and that their customer support is readily available to assist you if needed.
6. Provider Reputation: Research the reputation of the insurance provider to ensure they have a good track record of promptly processing claims and providing reliable customer service. Look for reviews and ratings by other travelers to gauge the credibility and reliability of the provider.
7. Cost: Consider the cost of the travel insurance policy and compare it with the coverage and benefits it offers. However, remember that the cheapest option may not always provide comprehensive coverage or meet your specific needs, so balance cost with coverage when making a decision.
8. Policy Exclusions: Pay attention to the policy exclusions, limitations, and terms and conditions. Understand what is not covered by the insurance policy, such as high-risk activities, certain destinations, or specific circumstances, to avoid any surprises or disappointments later.

Remember to carefully read the policy documents and ask questions to the insurance provider if you have any doubts or need clarification. By considering these factors, you can make an informed decision and choose the most suitable travel insurance coverage even after departing on your trip.

Types of COVID Cover in Travel Insurance Policies

With the ongoing COVID-19 pandemic, it’s crucial to consider the specific coverage related to the virus when purchasing travel insurance after departure. Here are some common types of COVID cover that you may find in travel insurance policies:

1. COVID-19 Medical Expenses: This coverage provides reimbursement for medical expenses incurred due to COVID-19, including testing, treatment, hospitalization, and medications. It can also extend to cover emergency medical evacuation related to COVID-19.
2. Trip Cancellation and Interruption due to COVID-19: This coverage reimburses you for non-refundable trip expenses if you need to cancel or interrupt your trip due to COVID-19-related reasons, such as contracting the virus, being placed under quarantine, or travel restrictions imposed by authorities.
3. Quarantine Costs: Some travel insurance policies may cover additional expenses incurred if you need to quarantine due to COVID-19 during your trip. This can include the cost of accommodation, meals, and transportation during the quarantine period.
4. Travel Advisory Coverage: This type of coverage applies to situations where a government-issued travel advisory is issued for your destination due to COVID-19. If you choose to cancel or change your travel plans based on such advisories, the insurance policy may provide coverage for the associated expenses.
5. Travel Delay and Missed Connection due to COVID-19: This coverage is relevant if you experience delays or miss a connecting flight or transportation due to COVID-19-related reasons. It can help cover the additional expenses incurred, such as accommodation, meals, and transportation arrangements.
6. Repatriation and Return Home: If you need to return home early due to COVID-19, travel insurance policies may provide coverage for the additional travel expenses incurred to return to your home country.
7. Cancel for Any Reason (CFAR) Coverage: CFAR coverage allows you to cancel your trip for any reason, including concerns related to COVID-19, and receive reimbursement for a percentage of your non-refundable expenses. Keep in mind that CFAR coverage may be optional and may come with specific eligibility criteria.

It’s important to carefully review the terms and conditions of the travel insurance policy to fully understand the extent of the COVID-19 coverage provided. The coverage and limitations can vary between insurance providers and policies, so be sure to compare policies and choose the one that best suits your needs and concerns related to COVID-19.

Remember, while travel insurance can provide specific COVID-19 coverage, it’s essential to continue following health and safety guidelines during your travels, including practicing good hygiene, wearing masks, maintaining social distancing, and staying informed about current travel advisories and restrictions.

How to Choose the Right Travel Insurance Provider

Choosing the right travel insurance provider is crucial to ensure you have adequate coverage and a seamless experience when buying travel insurance after departure. Here are some factors to consider when selecting a travel insurance provider:

1. Reputation and Financial Stability: Look for an insurance provider with a solid reputation and financial stability. Research their track record, customer reviews, and ratings to ensure they have a history of providing reliable coverage and promptly settling claims.
2. Coverage Options: Evaluate the coverage options provided by the insurance provider. Ensure they offer comprehensive coverage that includes medical expenses, trip cancellation/interruption, lost baggage, travel delays, and other essential benefits that align with your needs and travel plans.
3. COVID-19 Coverage: Given the ongoing pandemic, it’s crucial to choose a travel insurance provider that offers specific COVID-19 coverage. Check if they provide coverage for medical expenses related to COVID-19, trip cancellation/interruption due to the virus, and any other COVID-related benefits you deem necessary.
4. Claims Process: Consider the ease and efficiency of the claims process offered by the insurance provider. Look for transparent information about the process, required documentation, and the availability of customer support to assist you throughout the claims process.
5. Policy Exclusions and Limitations: Thoroughly read and understand the policy exclusions and limitations of the insurance provider. Ensure they don’t have excessive exclusions or restrictions that may undermine the coverage you need or render it less effective.
6. Price: While cost should not be the sole factor in choosing a travel insurance provider, it’s important to consider the pricing of their policies. Compare the coverage benefits against the premium to ensure you’re getting a fair price for the coverage provided.
7. Additional Benefits: Some insurance providers offer additional benefits such as 24/7 emergency assistance, concierge services, travel alerts, or access to medical providers. Assess these additional benefits to see if they align with your needs and preferences.
8. Customer Support: Evaluate the quality of customer support provided by the insurance provider. Check if they have a dedicated customer service team that can assist you with any inquiries or issues you may have, both before and during your trip.
9. Recommendations and Referrals: Seek recommendations and referrals from friends, family, or travel professionals who have had positive experiences with travel insurance providers. Their personal experiences can provide valuable insights and help you make an informed decision.

Taking the time to research and compare different travel insurance providers will ensure you choose a reputable and reliable company that offers the coverage and support you need. Remember, the right travel insurance provider can give you peace of mind and financial protection when you need it most.

Steps to Buy Travel Insurance After Departure

Buying travel insurance after departure may sound challenging, but with these steps, you can navigate the process smoothly:

1. Research Insurance Providers: Start by researching insurance providers that offer travel insurance after departure. Look for reputable companies that have positive reviews, strong customer support, and the specific coverage you need.
2. Compare Coverage Options: Evaluate the coverage options offered by different insurance providers. Compare the benefits, limits, and exclusions to find a policy that aligns with your travel plans and provides the necessary coverage, including COVID-19-related benefits if applicable.
3. Get a Quote: Get a quote from the insurance providers you are considering. Provide the necessary information, such as your travel details, age, destination, and any pre-existing medical conditions, to receive an accurate quote.
4. Review Policy Details: Once you’ve selected an insurance provider and received a quote, carefully review the policy details. Pay close attention to the coverage, terms and conditions, and any limitations or exclusions. Ensure the policy meets your specific needs.
5. Understand the Claims Process: Familiarize yourself with the claims process outlined by the insurance provider. Understand what documentation you may need in case of an emergency or claim, and ensure it is easily accessible during your trip.
6. Make the Purchase: Once you are satisfied with the policy and confident in your choice of insurance provider, proceed with the purchase. Provide the required personal and payment information to finalize the transaction.
7. Keep Policy Documents Handy: After purchasing the travel insurance, keep the policy documents, including the policy number and emergency contact information, easily accessible. It’s a good idea to have both digital and printed copies.
8. Know the Effective Date and Coverage Period: Note the effective date and the duration of coverage for the policy. Be clear on when the policy starts providing coverage and its validity period to ensure you are protected during your travels.
9. Carry Proof of Insurance: Carry proof of your travel insurance with you, such as a copy of the policy confirmation or insurance card. Some insurance providers may provide a dedicated app or digital platform where you can access your policy details on the go.
10. Stay Informed and Contact Support: Stay informed about any updates regarding your travel insurance coverage and travel advisories. If you have any questions or need assistance while traveling, contact the customer support of your insurance provider for guidance.

While the process of buying travel insurance after departure may vary slightly depending on the insurance provider, following these general steps will help you navigate the process and ensure that you have the necessary coverage to protect yourself during your travels.

Frequently Asked Questions (FAQs) about Buying Travel Insurance After Departure

Here are answers to some commonly asked questions about buying travel insurance after departure:

1. Can I buy travel insurance after I have already started my trip?

Yes, it is possible to buy travel insurance after you have already started your trip. While most people purchase travel insurance before their departure, there are options available for purchasing coverage after you’ve begun your journey.

2. What coverage can I expect when buying travel insurance after departure?

You can still expect coverage for various aspects such as emergency medical expenses, trip interruption, lost baggage, travel delays, and more. However, the coverage may vary depending on the policy and provider you choose.

3. Is COVID-19 covered in travel insurance purchased after departure?

Yes, many insurance providers offer specific COVID-19 coverage in their travel insurance policies. This coverage can include medical expenses related to COVID-19, trip cancellation/interruption due to the virus, and other COVID-related benefits. Be sure to check the policy details for the extent of COVID-19 coverage.

4. Can I purchase travel insurance after departure if I have pre-existing medical conditions?

Yes, some insurance providers offer coverage for pre-existing medical conditions even if you buy travel insurance after departure. However, it’s important to review the policy terms and conditions to ensure your specific conditions are covered.

5. What information do I need to provide when purchasing travel insurance after departure?

When buying travel insurance after departure, you will generally need to provide your travel details, including your destination, duration of the trip, age, and information about any pre-existing medical conditions. The insurance provider will use this information to calculate your premium and provide you with the appropriate coverage.

6. How do I file a claim for travel insurance purchased after departure?

The process for filing a claim will depend on the insurance provider. Typically, you will need to contact the claims department of your insurance provider and provide the necessary documentation, such as medical reports, receipts, and any other required information to support your claim. It’s important to familiarize yourself with the claims process outlined in your policy and follow the instructions provided.

7. Can I cancel or change my travel insurance policy after purchase?

Insurance policies typically have a grace period for cancellation or changes, usually within a set number of days from the purchase date. However, the specific terms and conditions for cancellations and changes may vary between insurance providers, so it’s important to review the policy details before making a purchase.

8. Can I renew my travel insurance if I decide to extend my trip?

Yes, some insurance providers offer the option to renew or extend your travel insurance policy if you decide to extend your trip. This will typically require contacting the insurance provider and providing the necessary information to adjust the policy’s duration.

9. Is it more expensive to buy travel insurance after departure?

The cost of travel insurance purchased after departure may vary depending on the insurance provider and the specifics of your trip. While it’s possible that it may be slightly more expensive, it’s essential to compare different policies and providers to find the best coverage at a competitive price.

Remember, the answers provided here are general guidelines, and it’s important to review the terms and conditions specific to the travel insurance policy you choose. If you have further questions or concerns, reach out to the insurance provider directly for clarification.

Conclusion

While it’s always recommended to purchase travel insurance before your trip, buying it after departure is still possible and can provide valuable protection during your travels. Understanding the need for travel insurance post-departure and the benefits it offers is essential in making an informed decision.

When buying travel insurance after departure, consider factors such as coverage options, COVID-19 coverage, reputation of the insurance provider, claims process, and cost. These factors will help you choose the right travel insurance policy that suits your specific needs and provides the necessary coverage.

Remember to thoroughly review the policy details, including coverage limits, exclusions, and terms and conditions. This ensures that you are fully aware of the benefits and limitations of your chosen policy.

By following the steps to purchase travel insurance after departure, you can navigate the process seamlessly. Keep your policy documents handy and stay informed about any updates or travel advisories during your trip.

While travel insurance provides financial protection, it’s important to continue practicing caution and adhere to health and safety guidelines, especially during the ongoing COVID-19 pandemic.

Traveling can be an exciting adventure, and with the right travel insurance, you can have peace of mind knowing that you are protected against unexpected circumstances that may arise during your journey. So, whether you’re already on your trip or planning to depart soon, consider purchasing travel insurance after departure to ensure a safe and worry-free travel experience.