Can you buy travel insurance while abroad?

Can you buy travel insurance while travelling?

In the past, travel insurance has required you to return home in order to extend insurance. If you are a nomad who might be travelling for one, two, or even three years abroad, you need to be able to extend your travel insurance without making a costly flight home. Some travelers on extended stays have been forced to travel completely uninsured due to the difficulties and costs of renewal.
However, there are more and more options for longterm travelers sprouting up.
For those under 40, True Traveller is a godsend for longterm travel. It is designed for the longterm, nomadic backpacker and offers both single and multi-trip coverage. But one of the biggest selling points is that it is available if you are already abroad.

Why do travel insurance companies refuse to offer insurance while abroad?

The main reason that insurance companies are hesitant to offer insurance for travellers already on vacation is fraud. Anyone who has lost a valuable item or got in an expensive accident while abroad thanks their lucky stars that they have insurance. But what happens if they don’t? Often, fraudsters will attempt to get a policy after the fact and claim items lost or stolen before the insurance policy, or pretend that a medical emergency occurred after the fact.

How does buying travel insurance while abroad work with True Traveller?

Forget to buy travel insurance in the rush to leave the country? Want to extend a year long trip to be even longer? True Traveller has your back. The travel insurance is limited to a single trip once you have been travelling already. The way that it works to counter the fraud associated with buying travel insurance while abroad is that it explicitly does not cover anything that happens before the coverage has been purchased. It is available for resident’s of the UK or EEA countries.

You are limited in that you cannot claim anything two days after renewing. This is to prevent fraud, and to stop injured people from buying the insurance and then visiting a hospital. As well, if you are in an accident in the two day period, you must have a witness willing to testify that the incident occurred while under the coverage period.

Are there other options for buying travel insurance while already abroad?

UK citizen’s are quite fortunate in that they have more than one option. World Nomads is an insurance agency which allows you to purchase additional travel insurance policies while already travelling, whether it is for leisure, work, or study. The waiting period is longer than with True Traveller. Rather than a two day period, there is a 72 hour period before coverage kicks in. They also have the anti-fraud device of requiring a witness to any medical emergencies within the three day period.

Those who are not citizens but only permanent resident’s of the UK are not so lucky. UK and Irish resident’s who do not have citizenship status must return to their country of residence in order to extend, renew, and book travel insurance.

I forgot to buy travel insurance, what can I do?

If you are not a longterm traveller and you simply forgot travel insurance, there are some additional options for you. If you are within a generous 17 days of departure, you can get a maximum of 31 days of insurance from Tower Gate Insurance.

Read the fine print!

Buying insurance while abroad is more tightly managed than buying before your trip as companies must face higher risks of fraud. Therefore, the fine print is likely to be more onerous. Make sure that you take the time to fully read through your policy before you book it.

Common misconceptions and myths about travel insurance

Common misconceptions and myths about travel insurance

Travel insurance can be had for very reasonable prices. And yet, many travelers skip insurance, thinking that nothing will happen to them! Travel insurance is one of the key steps you can take to avoid a holiday nightmare. Travel insurance covers both emergencies and inconveniences. At one end of the spectrum, policies can reimburse you for lost baggage, and at the other end policies can keep you from paying millions in medical expenses.

Despite this, many people misunderstand how it all works. With that in mind, let’s clear up some of the most common myths in the industry.

  1. I can’t get travel insurance because I have pre-existing insurance

This is a common myth that many older people believe. It can actually stop some travelers from booking their vacation due to fear that they will be denied travel insurance. While it is true that some recent incidents can make travel insurance more difficult to obtain, there are travel insurance policies which cover pre-existing conditions. With this sort of travel insurance, you will want to speak with the agent personally in order to clarify your exact situation and whether you can be covered. If you have pre-existing conditions, do not despair – there will be a travel insurance plan for you.

Whatever you do, do not hide a pre-existing condition. This completely defeats the purpose of travel insurance. Not only is your entire coverage at risk, you do not get the peace of mind that comes from knowing you are fully covered.

  1. I don’t need travel insurance because I don’t plan on cancelling my trip

While trip cancellation insurance is one of the benefits of many travel insurance plans, travel insurance covers much more than just cancellation. Medical expenses, especially in countries like the United States of America, can be astronomic and purchasing a travel insurance plan with generous medical coverage will keep your mind at rest while you are on vacation.

  1. I am covered for all medical emergencies with travel insurance

This is an interesting point that more adventurous travelers need to keep in mind. While medical insurance covers a broad range of medical needs, most insurance policies do not allow for higher risk activities such as sky-diving, cliff jumping, or even skiing. Feeling adventurous? Read our guide to travel insurance for winter sports.

  1. My credit card has me covered

It is true that some premium credit cards offer travel insurance. However, the scope of the terms can vary widely. Some may have insufficient medical coverage, while other credit cards may lack cancellation insurance altogether.

  1. I don’t need to read the fine print

You do. While it might seem like a burden, you absolutely need to read the fine print of your policy if you want to be covered sufficiently. You need to know who to call, and the time frame you have to call them after an incident in order to be covered.

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Single Trip Travel Insurance

Single trip travel insurance is simple and affordable

Single trip travel insurance is the simplest, most affordable form of travel insurance available. It is perfect for those who are going on a business trip or are getting away in the cold winter months to that tropical paradise. The reality of most of our lives is that we are lucky if we get even one vacation a year! Why pay more for insurance than you have to if you are not a frequent vacationer?

Why get single trip travel insurance?

There are plenty of other options available for travellers. For those who are going on a gap year for instance, backpackers insurance, is usually the best bet. For those who are planning on visiting multiple countries in a year, annual insurance is usually the option for them. What do these options have in common? They are generally more expensive. If you are only leaving Ireland once or twice a year, single trip travel insurance could be the simplest, cheapest option for you. Generally, you do not even have to do a medical health questionnaire as long as you are below a certain age, which in most cases is 60.

What does insurance for single trips cover?

You can get different levels of coverage for your trips. Generally, you can get coverage for cancellation, medical, and lost baggage. There are also add ons for almost any event that you could think of this. This includes ski insurance, and other adventurous sports. It can also include coverage for when your flight is delayed for over 4 hours so that you can get coverage for your airfaire!
Travel insurance usually have a maximum amount of medical expense coverage around €10 million. You can get reasonably priced coverage up to €20 million. While this may seem like an excessive amount, doing a little research into medical systems around the world and the cost of flying you back to Ireland safely will show you that these amounts are not out of the realm of possibility. Still, you may find that you are quite comfortable with a smaller amount of travel insurance medical coverage for your personal needs.

How can you get cheap single trip travel insurance?

The best way to get the cheapest options are online. Companies don’t really want to have to pay for employees to work the phone lines. You can usually get the best options online. As well, you can get only the most basic insurance. This will not cover you in the event of something like a volcanic eruption throwing ash into the air and preventing you from flying. If you truly want peace of mind, you can find cheap single travel insurance without scraping the bottom of the barrel. Obviously, the shorter the duration of your trip, the cheaper the travel insurance will be!

Single trip Travel insurance lets you have the most relaxing vacation possible

Why worry about getting sick on your vacation? Why have the additional stress of not knowing if you will have your baggage replaced if a careless airline employee sends your luggage halfway across the world? Vacations are about adventure and seeing new things, and they should not be about extra stress. Single trip travel insurance is an investment in peace of mind and allows you to have a plan in place in case the worst happens.

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Backpacker insurance guide

What exactly is backpacker insurance?

Backpackers insurance is suited for people who are taking long trips out of the country. There is a difference between backpacking insurance and multi-trip insurance, as multi-trip insurance has limits on how long you can stay in each geographic location of your visit. These limits are imposed in a time period between 31-60 days. This is not long enough for extended backpacking. This form of insurance is synonymous with gap year insurance and is suitable for long stretches of time in a foreign country.

What it all boils down to is being able to go to many different countries in a single year without being tied down. That means less worries and more spontaneity.

Finding the best travel insurance for backpackers

The best backpacking insurance for you won’t be the same as for the next person. If you have pre-existing medical conditions, for instance, you may find that some companies are better than others in terms of the rates that you receive. As well, if you except you will want to return to Ireland before the year is up, you need to pick a flexible plan that will allow you to return for events such as a wedding or family emergency. Different plans will come with different restrictions. If you plan on visiting a more dangerous location, you probably won’t qualify for most plans.

How long does backpacker insurance last?

There’s a reason it’s called gap year insurance. Almost all of these policies allow you to pack up your bag and traipse around the world for a year. However, there are some different policies if you have other needs. Some of these policies can actually last up to a year and a half. For those who are cramming in a bunch of countries in a short time period annual insurance is probably better suited to your needs.

Is there cheap backpacker travel insurance?

If you want cheap, then you better fit the criteria. Often the cheapest travel insurance for backpackers is aimed right at the young and healthy sorts who are more likely to be taking a gap year or roaming around the world. Many of these gap year insurance policies have a maximum age of 35 years. If you want addons like winter sports and ski insurance, be prepared to shell out a little more cash.

Does backpacking insurance cover adventurous sports?

This is an area where you will have to compare the specifics of the plans. In general, travel insurance companies understand that the young, adventurous crowd that takes backpacking policies out want to have fun. Often, even cheap backpacker travel insurance can cover sports such as bungee jumping and zip-lining. Other sports such as scuba diving are generally considered too dangerous and come with additional fees.

Make sure you check with your broker before assuming. While taking a few seconds to think before jumping off the edge attached only to a bungee cord might make you lose your nerve and is probably not a great idea, taking time to think before choosing your policy can save you headache in the future.

Read the fine print

Travel insurance is not a process where you want to just instantly chose the first option you see out of convenience. You need to choose the right policy for your trip. There are restrictions on areas, length of trips and more, and you need to do your research first.

 

 

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Annual Travel Insurance

Annual Travel Insurance Ireland

Sometimes, you just have to get away from the rain and fog and relax on the beach. If you find yourself needing more than one getaway a year, annual travel insurance is the way to go. Whether it be stress, a craving for sun or a sense of adventure, when the travel bug hits you it hits hard. How do you know if annual insurance is right for you?

If you are one of the fortunate global travelers who has multiple trips planned for a single year, annual travel insurance can be a great way to save money.  Annual travel insurance often comes with the added benefit of flight cancellation and natural catastrophe coverage. When you are visiting different parts of the world, you need to be aware that your risk of encountering an act of god that throws a wrench in your plans in increased. This could be anything from a tropical storm to political unrest or volcanic ash. When you are booking multiple expensive trips, you have more than just comprehensive medical insurance to think about.

Annual travel insurance can be as affordable as in the range of €15 – €30 for the most economical, basic levels of coverage. There are also of course higher levels of coverage for those who require a more extensive option.

If you are planning on participating in higher risk activities and spots, you may have to purchase a higher level of coverage. Generally, coverage will include accident and liability, airline failure, baggage, medical expenses, cancellation, a limited amount of sports and activities, and an online documentation option. You can even purchase additional strike coverage on some policy options.

Multi Trip Insurance

You can absolutely save money by booking insurance for multiple trips. The most important factor in deciding which insurance provider to use is medical insurance. While lost baggage and cancellation are both serious concerns, the worst case scenario is always a health crisis. Health care varies in cost wildly worldwide, and you need to protect your assets and peace of mind that you will be able to get top healthcare without going bankrupt.

Freedom to change plans on the fly

Annual insurance is the perfect option for those who love to travel but do not have plans set in stone. You do not have to plan out your vacations before purchasing the policy. Policies will cover you for the entire year either for a geographic region, such as North America or the EU, or worldwide global coverage for the truly adventurous. You can update your insurance halfway through the year if needed with almost all annual insurance brokers.

Multi trip insurance for business

Ensure that when you book your travel insurance that you are doing so for business purposes as coverage can differ for work related trips compared to holidays. This can get more complicated when you have multiple business and pleasure trips scheduled for a year. At this point, the best decision you can make is to speak with insurance agents personally to compare your options.

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Things to be aware of when booking travel cover

Booking cover is perhaps one of the most important aspects of planning your trip. We give you an array of options so that you can make the best choice for you and your companions. We take all of your needs into consideration and focus on pre-existing medical conditions so that you can have a safe and healthy journey.

There are some obvious ways to pick a travel insurance plan that is right for you.

If you will be holidaying with your family, then it makes sense to go with the Family plan because it covers your spouse and children.

If you are over 65 and will be taking a trip, then the Over 65s plan is the right choice for you, taking care of your pre-existing conditions and focusing on your well-being.

trekking-147968If you will be backpacking for an extended period of time, then the Backpackers Insurance is a great choice and will give you coverage for up to 18 months. This means you can move freely without worrying about updating your plan or purchasing a new one.
For duration, there are two different plans:

Single Trip Insurance

– This will cover you for a single trip and is ideal for the occasional traveller.

Annual Multi Trip Travel Insurance

– This covers you for all trips taken during a year and is ideal for more frequent holidayer.
There are many things to take into consideration when you are booking cover including:

Medical Expenses
If you have health issues or pre-existing conditions, you need to know that you will be taken care of while away from home. Most of our plans give you coverage for emergency medical expenses, ambulance fees, hospital allowance, and emergency dental treatment. This means that if you have the misfortune of falling ill or having an emergency while abroad, you won’t have to worry about outrageous fees.

Baggage cover
If you’ve ever lost your luggage while on a trip, you will know just how much it ruins your experience. Most of our insurance plans include baggage coverage and this coverage can easily be added to any plan you purchase. In the off chance you do lose your luggage, you will be reimbursed and will be able to purchase new items.

Cancellation cover
You never know what is going to happen while abroad. If you need to cancel your trip or hotel stay, you will be covered for any extra fees. We will also cover you in a case where you have to return home due to an emergency. You can have peace of mind knowing that if things take an unexpected turn, you will be covered financially.

Strike coverage
Sometimes a strike can occur in the airport or destination you are going to. This can hinder your experience and strike coverage will protect you from any extra costs you might have to pay related to your journey.

Dangerous activities coverage
Our Winter Sports Insurance will cover you for skiing and snowboarding, as long as you are on a recognized resort and taking necessary precautions. Other dangerous hobbies including rock climbing or sky diving are normally not covered by our  plans. If you choose to partake in these activities, you are doing so at your own risk.

We do our best to offer you superior coverage so that you can enjoy your trip without the worry of unexpected fees. If you have any more questions or concerns, and would like to be more aware of what our plans cover, then please contact us.

holiday-nightmare

Avoiding that holiday nightmare

Whether you get sick, need to return home quickly, or lose your luggage, taking a holiday can quickly become a nightmare. There are many things you can do in order to stay healthy, safe and happy while making a trip abroad. There is nothing worse than having unexpected circumstances ruin your trip, and you should try to avoid this at all costs.

Tips when on holiday
No matter where you are going, there are things you can do to keep yourself organized, healthy, and safe.

Before leaving:
– Make sure your home will be protected while you are away. Lock the doors and perhaps find a trusted friend or family member who can house sit.
– Research your destination. If you will be visiting a new country for the first time, have some idea of their customs and culture. It is easy to find information online.
– Give a copy of important information to a trusted friend or family member. This can include credit card numbers or a scanned image of your passport. In case you lose these important documents, you can contact your friend and get the passport mailed to you.
– Have a list of telephone numbers with you; don’t rely too much on your cell phone as this can easily be lost.
– Research the current exchange rate for the local currency so that you can avoid being overcharged and will have a better financial understanding.
– Book Travel cover. Use a travel insurance comparison site like ours to find cheap cover and be protected while abroad.

Packing:
– Stay organized. Make sure all of your most essential belongings are where you know they will be. Take important documents and expensive belongings with you in your carry-on luggage to avoid theft.
– Do not over pack. Only bring the essentials. You will most likely buy clothing and souvenirs from your destinations

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– Arrive at the airport early. There is nothing worse than rushing and almost missing/missing your flight!
– Never leave your luggage unattended; it could be stolen or individuals could slip contraband inside it.
– Keep any confidential/propriety documents out of view from other passengers.

Travelling on the ground:
– Once you’ve arrived at your destination, you need to be safe while accepting ground transportation. Aim to use pre-arranged transportation. Many hotels can also arrange transportation for you.
– Be careful when choosing cabs or buses. Make sure they are marked and ask your hotel which cabs are safe to use.
– When moving, keep windows rolled up and doors locked.

Other tips:
– Be careful with how you carry money. Do not carry large sums with you, and purchase a money pouch that can be worn inside your shirt.
– Do not wear flashy jewelry and clothing.
– Dress modestly, especially if you are a woman.
– Wear purses and satchels slung diagonally across the chest; this lessens the chance of it being snatched.
– Avoid any back alleys, areas you are unfamiliar with, or areas that feel unsafe.
– If you need help or directions, ask a woman with children.
– Stay in well-known chain hotels.
– Never open your door to strangers; identify the visitor before you allow them into your hotel room.
– When leaving your room, put important belongings in a locked suitcase or a safe (if available).
– Never let anyone know what room you are staying in.
– NEVER drink tap water and try to avoid eating too much street food.
More advice on avoiding an unpleasant holiday.

It is important to be wary and cautious when exploring an unknown place. Developing countries in Africa, South Asia and other parts of the world pose serious risks for scams and robberies. Please trust your instincts and make sure you are always aware of your surroundings. Trust only official figures and ask other experienced travellers for advice.