Travel Insurance While Already Abroad
- Curtailment - Up to £10,000
- Baggage - Up to £3,500
- Disruption - Up to £1,000
- Medical Expenses - Up to £10 million
- 24/7 Access to an NHS Trained Doctor
5 Options available including:
Winter Sports Cover, Cruise Cover, Gadget Cover, Disaster & Terrorism Disruption Cover...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Already Travelling Travel Insurance
Get Cover Even After Your Trip Has Started
Have you forgotten to buy travel insurance before setting off? Or is your existing travel insurance due to expire while you’re still away?
You may still be able to get cover after your trip has started. Here at Voyager Plus, we offer already travelling travel insurance. This is designed for travellers who have just left home or are now abroad.
Get peace of mind for the rest of your trip with cover for cutting your trip short, unexpected medical expenses, baggage problems, travel delays and more.
Click below to get an instant quote for your Already Departed Travel Insurance
What Does Already Travelling Travel Insurance Cover?
Our travel insurance whilst already abroad provides cover for a range of unexpected situations, including:
Emergency Medical Expenses
Covers emergency medical treatment abroad, including repatriation if medically necessary. Additional terms and conditions apply - see FAQ 4 for more details.
Baggage
Cover against loss, theft, or damage to your belongings.
Missed Departure
Covers extra travel and accommodation costs if you miss your departure.
Travel Delay
Cover if your booked public transport (plane, ship, train, coach) is delayed by 12 hours or more.
Personal Accident
Cover if you suffered life changing injuries during your trip
Please note: Already departed policies don’t include trip cancellation as your trip has already started. However, cover may be available for curtailment, subject to the policy terms and conditions.
Which Already Travelling Travel Insurance Cover Is Right for You?
Realising you’ve started your trip without cover or finding out that your existing cover will expire while you’re overseas can feel stressful.
Choosing the best travel insurance when you’re already abroad or have just started your trip isn’t just about the price. It comes down to choosing a policy that suits your plans and provides the protection you need for the rest of your trip.
That’s why Voyager Plus offers four levels of cover, making it easier to find a policy that matches your plans and personal needs.
| Policy Highlights | Standard (£/€) |
Enhanced (£/€) |
Prime (£/€) |
Supreme (£/€)* |
| Curtailment | 1,000 | 2,500 | 5,000 | 10,000 |
| Baggage Cover | 1,000 | 1,500 | 2,500 | 3,500 |
| Missed Departure | 250 | 500 | 750 | 1,000 |
| Travel Delay (per 12 hours) |
100 (20) |
200 (25) |
250 (25) |
500 (50) |
| Emergency Medical Expenses | 5 million | 7.5 million | 10 million | 10 million |
*This level of cover isn’t available with the “Long Stay” policy type when purchasing your already travelling insurance
The table above highlights some of the benefits included with our already travelling insurance. For a full comparison of our policy, please refer to the policy wording.
Click below to get an instant quote for your already departed travel insurance
What Our Customers Are Saying About Us
We understand that choosing holiday insurance when you’re already abroad can feel overwhelming. That’s why we’ve made it simple and flexible for you to arrange the cover you need. We have received the Platinum Trusted Service Award for more than five consecutive years.
See what our customers have to say about their experience with Voyager Plus.
Tailor Your Already Travelling Travel Insurance with Optional Add-Ons
You can add optional extras to your already abroad travel insurance to suit your travel style:
- Winter Sports Cover – For skiers and snowboarders heading to the slopes (up to a maximum of 31 days)
- Cruise Cover – For travellers planning a one-off relaxing cruise holiday
- Golf Cover – Includes cover for your clubs and other equipment, plus green fees
- Gadget Cover – Protect up to 4 devices against theft, loss, or accidental damage (up to 120 days on long stay)
- Disaster & Terrorism Disruption Cover – Extra cover for delays caused by natural disasters or acts of terrorism
Ready to Get Started?
Get started today with Voyager Plus already departed travel insurance and arrange cover for the rest of your trip. So, you can get back to enjoying your travels with greater peace of mind.
Travel Insurance Whilst Already Abroad Options
Winter Sports Cover
Cover for lost, damaged or stolen ski equipment, unused ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.
Cruise Cover
Cover for added protection against cruise interruptions, missed port departures, and many other unexpected cruise-related events.
Gadget Cover
Cover to protect your gadgets if it gets stolen, lost or damaged while abroad. This cover is available for up to 4 gadgets per person.
Golf Cover
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.
Disaster & Terrorism Disruption Cover
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.
Frequently Asked Questions About Already Departed Travel Insurance
1. What is Post Departure Travel Insurance?
Post-departure travel insurance is specialist travel insurance for travellers who have already started their trip. At Voyager Plus, we refer to this as Already Departed Cover.
When it comes to “starting your trip”, we consider this to be the moment you leave your home, not the moment you leave the UK.
Post-departure travel insurance can provide cover for a range of unexpected situations that could disrupt your travel plans.
2. Why Would You Need Travel Insurance After Departure If You Have a GHIC?
With a GHIC (Global Health Insurance Card), you can access state-provided healthcare in EU countries on the same terms as a local resident. However, a GHIC should not be considered a replacement for travel insurance.
This is because a GHIC has limitations on what it covers while you're abroad. For example, it does not cover private medical treatment if this is the most suitable option for you.
It also does not cover the cost of being brought back to the UK where medically necessary, known as repatriation.
Travel insurance can also provide other important benefits, such as cover for travel delays, lost or damaged baggage and other unexpected events during your trip.
3. Who Is Post Departure Travel Insurance for?
Our post departure holiday insurance may be suitable for:
- Travellers who forgot to buy travel insurance before their departure
- Long-term travellers such as backpackers and those taking a gap year who need cover for an extended trip
- Those who need travel insurance whilst already abroad and want to arrange cover quickly
Please note: if you’re looking for post departure holiday insurance to cover an extended trip while you’re already abroad, cover is subject to the policy terms, conditions and exclusions.
4. What Should I Know About Buying Travel Insurance While Already Travelling?
If you’re already abroad and looking to purchase travel insurance, there are some important conditions and limitations you should be aware of:
- Cover Starts the Day After Purchase: Your cover starts the day after you buy the policy or your previous policy expires.
- Waiting Periods Apply: A 14-day waiting period applies to cover for illness-related medical expenses.
- No Cover for Pre-Existing Conditions: Any medical condition you had before taking out the policy won’t be covered.
- Trip Duration Limits Apply: Your policy must cover the remainder of your trip. Your total trip length must also stay within the maximum duration allowed for your age and policy type.
- No Cooling-Off Period: The usual 14-day cancellation window or cooling-off period doesn’t apply when buying a policy after your trip has started
Please refer to the policy wording for the full conditions and limitations for Voyager Plus already departed cover.
5. Which Type of Policy Should You Choose When Buying Travel Insurance While Already Abroad?
When buying Already Departed Cover, you can choose between Short Stay and Long Stay policies. Annual multi-trip cover is not available.
- Short Stay Policy: If your entire trip is 62 days or fewer, a Short Stay policy is likely the most suitable option.
- Long Stay Policy: If your trip is longer than three months but less than 18 months, a Long Stay policy may be suitable.
Be sure to choose the policy type that matches the duration of your remaining time abroad when getting a quote.
6. What Destinations Are Covered Under Travel Insurance for Already Overseas?
Our Voyager Plus travel insurance for already overseas are available for trips to Europe and worldwide destinations. We’ve categorised destinations into four areas:
UK Only Coverage (Area 1)
- Includes England, Scotland, Wales and Northern Ireland.
- Only for UK residents looking for already travelling insurance for a UK trip that has already started
Europe Coverage (Area 2)
- Includes the UK, destinations across Europe, the Channel Islands, Isle of Man, Canary Islands, Madeira and Iceland.
- Some countries and territories are excluded, including Algeria, Libya, Syria and Israel.
Worldwide Coverage
If you're trip involves travelling beyond Europe, you’ll need worldwide travel insurance. There are two options:
Area 3
- Includes all countries in Areas 1 & 2
- Includes worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda)
Area 4
- Includes all countries in Areas 1, 2 & 3
- Includes worldwide (plus North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda)
7. How Do I Get a Quote for Travel Insurance If I’m Already Overseas?
Getting post-departure travel insurance with Voyager Plus is quick and straightforward. Just follow these steps:
- Click the “Get a Quote” button
- When asked “Have you already departed on your trip?”, select Yes
- Enter your details about yourself and our travel plans in the quote system
- Choose the appropriate level of cover and tailor your policy to your travel needs
- Receive your already abroad travel insurance quote
This allows you to arrange cover quickly—even after your trip has started.
GP on Demand Remote Service
Going abroad on your holiday 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 that all Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you 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 practitioners on this service are able cover a wide range of subjects including:
- Advice for managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
- Answer general questions about prescriptions, travel, and lifestyle
Once you've booked an appointment through the GP on Demand app, you'll 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.
* Video appointments are available 7 days a week, between 8am and 10pm
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.