Travel Insurance Already Abroad

Our already travelling insurance product is currently unavailable. We apologise for any inconvenience.

  • If you’re an existing Towergate customer and need to make a claim, see the claims information below.
  • If you’re an existing Towergate customer and have a query, please call 0800 389 5904 to speak to one of our team.

Travel Insurance Already Abroad Claims

24-hour number for medical emergencies

When you are in hospital, ring our 24-hour emergency assistance service on +44 (0)1473 351757.

Other claims

For other non-emergency claims such as lost baggage, cancellation or claiming for medical expenses when you are back in the UK, call +44 (0) 345 850 5193 Monday-Friday 8am-6pm and Saturday 9am-12pm.

Travel insurance already abroad FAQs

What happens if I miss my flight home due to illness?

Don’t worry, if you contact us then your policy can be automatically extended to cover you for medical expenses until it’s agreed you’re fit to travel home. Our 24-hour helpline service on +44 (0)1473 351757 will liaise with you, and your treating doctor, and once you’re fit to travel they will make the appropriate alternative arrangements. Cover applies only if you or your family travelling with you become ill. If you are unsure whether you'll be covered by the policy to travel home, just contact the travel team.

What happens if I need to travel home early due to illness?

We’ll provide cover if you fall unwell and treatment isn't available locally however, first you should call the 24-hour emergency assistance service on +44 (0)1473 351757.

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.