Already Abroad Travel Insurance
Already abroad without travel insurance, or has your previous policy expired? You may still be able to arrange specialist already departed travel insurance for the remainder of your trip.
Cover cannot be backdated. It will not cover any illness, injury, loss, damage or other incident that happened, began or was known about before the policy started. Eligibility requirements, waiting periods, destination restrictions, age limits and maximum trip durations apply.
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Already abroad travel insurance is a specialist policy designed for travellers who have:
Already abroad travel insurance, also known as already departed, after departure or post departure travel insurance is specialist cover for eligible travellers who have already left their home country. It provides cover only for new insured events that happen after the policy and any applicable waiting period have started.
Why arrange already abroad travel insurance through Insure Smart?
What Can Already Departed Travel Insurance Cover?
Depending on the policy level you select, already-departed travel insurance may provide cover for the following new insured events that occur after your cover has started:
- Emergency medical expenses and hospital treatment
- Medically necessary repatriation to your home country
- Emergency dental treatment
- Trip curtailment if you need to return home early for an insured reason
- Travel delay, missed departure and journey disruption
- Lost, stolen or damaged baggage and personal belongings
- Loss of passport and travel documents
- Personal accident, personal liability and legal expenses
Cover limits, excesses, optional benefits, exclusions and waiting periods vary according to the policy selected. The currently linked Voyager Plus product offers up to £10 million in emergency medical expenses, depending on the selected level of cover. Please read the Insurance Product Information Document and full policy wording before purchasing.
Who May Be Eligible?
Already departed cover may be suitable if:
- You forgot to arrange travel insurance before leaving your home country
- Your previous policy has expired or will expire before you return home
- You extended your trip beyond the period covered by your original policy
- You meet the insurer’s residency and medical-registration requirements
- Your total trip duration, including the time already spent abroad, is within the maximum permitted for your age
- You arrange cover for the entire remainder of your trip until you return to your home country
The person purchasing the policy must be at least 18. You must be a resident of an eligible UK or EEA country and registered with a medical practitioner in your home country. Full eligibility requirements are provided during the quotation process.
Why Arrange Your Cover with Insure Smart?
- Insure Smart Limited is a UK insurance broker authorised and regulated by the Financial Conduct Authority
- Direct access to a specialist already-departed quotation route
- Online quotations for eligible individuals, couples and families
- Telephone support if you need help understanding the quotation process
- Direct access to the current Insurance Product Information Document and policy wording
- Clear information about eligibility, waiting periods, cover limits and important exclusions
Our team can help you understand the quotation process, but your eligibility and cover will depend on the answers you provide, the insurer’s acceptance criteria and the terms shown in your policy documents.
How to Get Already Abroad Travel Insurance
Visit our office
342 High Street, Kirkcaldy, KY1 1LD
FAQ
Yes – that’s exactly what already abroad travel insurance is for. While not every insurer offers this option, Insure Smart can arrange specialist policies that begin after departure.
Some insurers may apply a short waiting period (e.g., 24–48 hours) before certain benefits take effect, but medical emergency cover usually starts straight away.
We work with insurers who can consider pre-existing medical conditions. You’ll just need to declare them during your application.
Yes – many post-departure travel insurance policies can be extended if your plans change.
The cost depends on your age, destination, length of trip, and medical history. Contact us for a tailored quote.
Last-minute policies are arranged just before departure, while already abroad insurance is designed for travellers who have already started their trip.
