Voyager Plus Already Departed Cover
Get Travel Insurance for trips you have Already Departed on with Voyager Plus
Already Departed Travel Insurance at a great price - for peace of mind when you've already left on your trip.
Voyager Plus Already Departed Cover
We’ve all been in this situation. You’ve packed your bags and are on the way to the airport, or worse still you’ve arrived at your holiday destination, and you realise there’s something really important that you’ve forgotten to pack.
If the thing you’ve forgotten to pack is your travel insurance, the worry and anxiety this may cause could end up ruining your whole trip. Perhaps your previous travel insurance policy expired, or you just forgot to buy a policy for this trip. With all the planning, booking, and packing, it’s easy for things to slip your mind, such as getting Travel Insurance to cover you for things like Emergency Medical Expenses or protecting your baggage.
The short answer to this question is YES YOU CAN! Whilst most Travel Insurance policies require you to purchase your policy prior to departing on your trip. Here at Voyager Plus Travel insurance, we’re in the unique position of being able offer you travel insurance after your trip has started. This is known as ‘Already Departed Travel Insurance’.
Our Already Departed cover will provide you with many of the same benefits as if you’d bought the policy prior to departing once an additional premium has been paid. Some of the benefits included as standard are:
- Curtailment Cover – up to £10,000
- Emergency medical Expenses (including repatriation)– up to £10,000,000
- Baggage – up to £3,500
- Journey Disruption – up to £1,000
- And much more!
And if you suddenly feel unwell on your holiday, you may be wondering how to see a doctor when away from home, especially if you’re abroad. Our Voyager Plus Travel Insurance with Already Departed cover now includes a service where you can speak to a 24/7 doctor while abroad as standard*.
To purchase a Voyager Plus Already Departed Travel Insurance policy, click the 'Get a Quote' button.
Frequently Asked Questions
1. What is Already Departed Travel Insurance?
Technically your trip begins the moment you leave your home. Already Departed Travel Insurance is a policy designed for travellers who need travel insurance but have already started their trip or need travel insurance but are already abroad.
2. Are there any restrictions to getting a Voyager Plus Already Departed Cove
Yes, there are some policy restrictions when taking out Travel Insurance when you are already abroad or have just started your trip. The restrictions are:
- Unfortunately, we are unable to offer cover for ANY Pre-Existing Medical Conditions as medical screening is not available on an already departed basis.
- Cover is only available on a Single Trip basis (Already Departed cover is not available on an Annual Multi-Trip basis, if you do want cover for pre-existing medical conditions on an annual basis you can purchase a policy after you have returned and travel throughout the year with the knowledge that you are covered)
- The start date of cover must be the day following the purchase of your policy.
- Cover must be arranged for the remaining period of your trip so long as your trip does not exceed the maximum duration allowed for your age on a Voyager Plus policy - see the policy wording.
- The usual 14 day ‘cooling off period’ for cancelling your policy will not apply and there is a 14-day waiting period before medical expenses cover commences in respect of illness.
For full details on our policies, please click here to view the policy wording
Policy Summary:
Medical Expenses - Up to £10 million
Curtailment - Up to £10,000
Financial Protection - Up to £3,000
Personal Possessions - Up to £3,500
Disruption - Up to £1,000
Abandonment - Up to £10,000
Personal Liability - Up to £3 million
8 Options available including:
Action Activities Cover, Cruise Travel Insurance Option, Business Travel Insurance – Business Plus Option, Enhanced Travel or Terrorism Disruption Cover...see all
Already Departed Travel Insurance Options
This Travel Insurance product offers a range of different options.
Action Activities Cover
Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.
Cruise Travel Insurance Option
Going on a cruise? Make sure you add our Cruise Insurance option to your Voyager Plus Travel Insurance policy so that you are covered on your cruise. Enjoy all the standard cover such as Cancellation and Emergency Medical Expenses specifically for your cruise as well as including extra cruise specific cover to Re-join your Cruise, Missed Port Departure cover, Cabin/Stateroom Confinement cover, Itinerary Change cover, Unused Excursion cover and Cruise Interruption cover.
Business Travel Insurance – Business Plus Option
Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.
Enhanced Travel or Terrorism Disruption Cover
Add Enhanced Travel or Terrorism Disruption cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.
Winter Sports Cover
Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.
Sports Equipment and Cycle Insurance Cover
Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.
Gadget Insurance Option
Add Travel Gadget Insurance to your Voyager Plus Travel Insurance policy to cover up to 4 gadgets per policy including, mobile phones, smart phones, smart watches, tablets, laptops, games consoles, headphones and much more!
Golf Travel Insurance
Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged
GP on Demand
Going abroad on your trip should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad. The good news is our Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you can access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.
What is GP on Demand and What Service does it provide?
Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.
The medical practitioner on this service can cover a wide range of subjects including:
- advice on managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
- general questions about prescriptions, travel, and lifestyle
Once you book an appointment on the GP on Demand app, you will receive a call back from a GP within 15 minutes of the appointed time.
For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.
Please note: video appointments are only available between 8am and 10pm, 7 days a week.
What is Travel Insurance and What Does it Cover?
While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Voyager Plus Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.
Travel Insurance Benefits
The following summary of Travel Insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Voyager Plus Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.
Cancellation or Curtailment
A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.
This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay, if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording.
Emergency Medical Expenses
Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.
Please Note: If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.
Baggage
Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording.
Please Note: Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.
Personal Accident
In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.
Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.
Travel Delay
No one likes to be delayed when travelling!
So with Voyager Plus Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.
Missed Departure / Journey Disruption
Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording.
This section also covers, in the event of a Catastrophe (as defined in the policy wording), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.
These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Voyager Plus Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.
Important Information for Customers with Serious Medical Conditions - For UK Residents Only
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.
Short Stay Travel Insurance
If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.
Long Stay Travel Insurance
A Voyager Plus long stay policy can provide cover for trips up to 18 months (extendable to 24 months upon referral) so it is perfect for backpacking, gap years and other longer trips such as sabbaticals.
Annual Multi Trip Insurance
If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.