Travel Insurance Already Abroad

Forgot to buy cover before you left? Relax, you can still buy insurance while travelling, providing you’re no more than 17 days into your trip!

  • Travel insurance for those who are already overseas
  • We can provide cover for up to 31 consecutive days from inception
  • Two levels of cover to choose from

Get a quote and buy quick cover online

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Call our team for quotes, questions or to buy a policy:

0330 123 2249
0330 123 2249

We’re here for you Weekdays 9am - 5pm
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What does travel insurance cover when you're already abroad?

Travel insurance after departure

If you've forgotten to purchase cover prior to your trip don’t worry, we can provide travel insurance while abroad as long as you haven’t been out of the country for more than 17 days, and you haven’t purchased another travel insurance policy for the first part of your trip. We’ll be able to give you the peace of mind you need for up to 31 days from inception.

Emergency Assistance Facilities helpline

Sometimes medical emergencies can happen and it’s quite a daunting thought when you’re not in your home country. If you fall ill and require treatment at a hospital, the Emergency Medical Assistance helpline will help you locate the nearest suitable hospital. In addition, if another person is required to travel with you for medical reasons, then we will look at covering those additional travel and accommodation costs. Please note the helpline is only available to aid you in emergency situations.

Cover for your personal possessions

Lost or stolen luggage is an unwelcome thought when you’re on your travels so it’s good to know you’ll have cover in place should you need it. It’s always best to prevent this from happening, so we’d recommend you always keep valuables locked in a safe and out of sight. If something has been stolen, make sure you notify the local police or airline within 24 hours of discovery.

Your personal money

Just like your personal possessions, we’d always recommend you keep your travel money on you or in a safe to prevent theft. However if you find yourself in the unfortunate situation where your travel money has been lost or stolen, ensure you report it to the Police within 24 hours of discovery and obtain a written report to support your claim.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Tim Thornhill

Tim Thornhill

Head of Travel
“ Towergate is proud to offer a great range of Travel Insurance products. We aim to delight our customers at every turn, whether on the phone or through our new online journey which will be evolving throughout this year. Our team in Cheltenham will be happy to assist you to ensure a truly personal service and peace of mind on your travels.”

Travel Insurance Already Abroad Claims

This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, so it's the friendly team at TIF you'll speak to if you need to make a claim.

They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.

We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.

Need to make a claim?

Get the ball rolling, call on:

(+44) 0203 829 6761

The team are available from 9am-5pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

Travel Insurance Already Abroad Articles & Guides

We've got a range of content about all things travel related, have a read here:

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The Falkirk Wheel

Tucked away up in Scotland between Edinburgh and Glasgow and named after the nearby town of Falkirk, stands a one of a kind feat of engineering. Read up on the what, where’s and how’s and why it’s a must-see destination.



Top Five CRaZieSt Caravans

Have you ever scoured the web for the craziest, most expensive and unusual touring caravans? Here at Towergate Insurance, we have made it our job to find them for you and we can only hope they have suitable caravan insurance. Check out our top five crazy touring vehicles below. Which is your favourite?

Buying A Holiday Home

insurance guide

A Guide To Holiday Home Insurance

Holiday homes need special attention when getting the right insurance. For reasons such as being left unoccupied, rented out or located abroad, they need a specific holiday home policy. This quick guide talks you through the main differences.

Travel Insurance Already Abroad FAQs

Can I purchase a policy mid way through my travels if I’ve forgotten to buy travel insurance?

Yes. You can purchase a single trip policy providing you haven’t been out of the country for more than 17 days and you haven’t been insured for the first part of your trip. If you buy online, you’ll just need to tick the box that says ‘already travelling’.

What do I need to do if I fall ill abroad?

The policy provides an Emergency Assistance Facilities service, offering a 24 hour advice line to support you in finding the treatment you need. Contact the advice line on 0203 829 6745. We recommend you keep this number handy when you’re travelling.

Do I need to declare any pre-existing medical conditions?

Yes. It’s really important to declare any pre-existing or reoccurring medical conditions. Use the online quote system or speak to an experienced member of the team to guide you through a quick medical screening process. We may be able to provide cover as this is assessed on a case by case basis with the confidential medical screening team.

What happens if my luggage gets lost or stolen?

Make sure you report it to the police within 24 hours of discovery, making sure you get a written report and crime reference number. If however some of your items are lost or are damaged during transit then retain your luggage tags and report it to the airline/rail company right away. If you find your luggage is delayed for more than 12 hours on your outward journey then you may need to purchase some essential items such as toiletries and a change of clothes – just keep your receipts and you’ll be able to submit a claim for up to £100.

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