Can I buy a travel insurance policy if I'm already overseas?

Yes, it is possible to buy a policy while travelling. However, as we’ve recently changed our insurer, please select the date you bought your policy to understand the full details:

Policies purchased on or after 1 August 2019

Policies purchased between 1 Nov 2018 and 31 July 2019 (GMT)

Policies purchased before 1 Nov 2018 (GMT)


 

For policies purchased on or after 1 August 2019:

If you're a UK resident then you are most welcome to buy a policy while already travelling... no problem at all!  
 
You can buy a policy even if you’re already travelling, working, living or studying in another country. 
If you buy a policy away from home, there is a time excess (some policies refer to this as a “waiting period”) of 3 days (72 hours) before the insurance takes effect. In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party. 
 
You can also keep buying more cover while away from home to extend your trip by signing into your World Nomads membership as long as you extend it before the policy end date (before midnight GMT on the date shown on your policy and the same product is available).


Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited.
 

For policies purchased between 1 Nov 2018 and 31 July 2019:

If you're an UK citizen or resident then you are most welcome to buy a policy while already travelling...no problem at all! 

You can buy a policy even if you’re already travelling, working, living or studying in another country.
If you buy a policy away from home, there is a waiting period of 3 days (72 hours) before the insurance takes effect. In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party.

You can also keep buying more cover while away from home to extend your trip by signing into your World Nomads membership as long as you extend it before the policy end date (before midnight GMT on the date shown on your policy and the same product is available).

Note: For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd's.

For policies purchased before 1 Nov 2018:

If you're a UK citizen then you are most welcome to buy a policy while already travelling...no problem at all! 

BUT if you're NOT a citizen of the UK (even if you're a permanent resident) then unfortunately it's not possible to buy a policy while already travelling.

Citizens:

As a citizen, you can buy a policy even if you’re already travelling, working, living or studying in another country.

If you buy a policy away from home, there is a waiting period of 3 days (72 hours) before the insurance takes effect. In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party.

You can also keep buying more cover while away from home to extend your trip by signing into your World Nomads membership as long as you extend it before the policy end date (before midnight Australian Eastern time) and the same product is available.

Permanent Residents:

You must be within your country of residence to be able to buy a policy. If you are a UK permanent resident travelling or living away from home in another country, you cannot be covered under this policy.

You should read the policy wording for full details on your eligibility to buy a policy and when cover starts and ends.

Important note for policyholders who purchased a policy before 1 November 2018 GMT
You can buy  more cover under your existing policy through your World Nomads membership as long as you extend it before the policy end date (before midnight GMT) and only up until a maximum total trip duration of 550 days. You can also buy a new policy, however it will be under new terms and conditions of coverage.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


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Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738