Travel Insurance After Departure

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Travel Insurance After Departure

Already overseas and need travel insurance? It is a condition of most travel insurance policies in the UK, that they are purchased prior to your departure from home. 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 departure, is that it is quite common for people to not bother with insurance, then encounter a problem overseas and try to put cover in place quickly 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.

IMPORTANT

If you are already overseas, do not just buy a policy from this website. Policies bought online MUST commence in the UK. You must always contact us on 0161 973 6435 or by email and we will approach the insurers for agreement to cover you, but there are important conditions attached to this type of cover, and policies bought online by people already overseas, without prior agreement, are INVALID.

Navigator’s Cover

At Navigator Travel Insurance, we recognise that there are often occasions when this situation can arise and in many cases, we will be able to help. If you are a UK resident and need to start a policy from overseas, simply call us on 0161 973 6435 or email  us from this website and we will consider your circumstances. Each situation is considered on it’s 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 a number of 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.

Extend Your 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, though it will depend on how long you have been out of the UK for 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 individual trip duration 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 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 the employment contract is over. We can often help with these, as the person is clearly and genuinely travelling, not taking up residency abroad.

Get in Touch

Some people simply forget to arrange cover, or thought that someone else had done it on their behalf, and suddenly realise that they have arrived at their destination with no travel insurance cover. We can usually issue cover in this situation.

IMPORTANT

If you are already overseas, do not just buy a policy from this website. Policies bought online MUST commence in the UK. You must always contact us on 0161 973 6435 or by email and we will approach the insurers for agreement to cover you, but there are important conditions attached to this type of cover, and policies bought online by people already overseas, without prior agreement, are INVALID.

Travel insurance policies issued after departure always exclude any claim that arises from any situation, illness, theft etc, 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.