I am in the USA from the UK on business and have used the opportunity to take some holiday in the US before the work related part of the trip. There was a mix-up before I travelled and I was mistakenly told by an administrator in my company that I would be covered by the business's travel insurance for the whole trip, but now while already in the US I have been informed that in fact I am only covered for the part that is directly business. I didn't buy insurance before I travelled because of this and so now I am in the US without travel insurance. Can I still purchase travel insurance now I have already begun the trip?

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    the question could be edited to remove the part about recommending any particular provider, and just answer the "can insurance be purchased for travelers who have started their travel?" or "purchasing travel insurance abroad" Mar 8, 2016 at 7:29
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    Voting to reopen following the edit suggested by @EdmundYeung99.
    – JoErNanO
    Mar 8, 2016 at 14:49

3 Answers 3


A couple from the UK have a blog post dedicated to travel insurance for digital nomads. They share some tips and make some recommendations (note they are affiliate links).

It was difficult to find travel insurance policies that can be bought when you are already travelling but we did manage to find a few options and now always make sure we’re insured.

So yes it is possible to get travel insurance while already travelling, it may cost more and offer different levels of cover. But shop around to see what level of cover suits you.

I suggest you perform a search for "travel insurance while abroad" to get a list of possible providers. Then you can compare coverage and prices. Also search for reviews to see if anything negative appears (for example blog posts of travellers having a bad experience with them).


I had good luck with Allianz Global but... buying insurance after you already started on your trip? I don't think that is going to fly. Kind of like telling the roulette croupier, "Oh, yeah, that was the number I meant to put my money on."

Call them and ask.

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    Not really a good analogy, because the insurance policy will cover you for a particular period. They won't cover you for things that have happened in the past but they can certainly cover you for the future. Mar 8, 2016 at 7:31
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    @EdmundYeung99 indeed, if the price structure includes coverage for flight cancellation, the company would come out ahead in this case, since the probability of the first flight being cancelled is zero: the traveler has already taken that flight and is already in the US.
    – phoog
    Mar 8, 2016 at 13:46
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    You guys are being very, very optimistic. If you apply for travel insurance after your trip is underway, the underwriting is going to assume you are standing outside the emergency room with a sucking chest wound. Mar 8, 2016 at 15:07
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    My bank advertises with that you can get a travel insurance when you have already left the house having forgotten to arrange it before leaving. and indeed they do start the insurance the moment you want, also on the day you buy it. I would just call, or have someone call from home, your normal travel insurance or theirs, and explain, if asked, that through misunderstanding you are abroad without insurance.
    – Willeke
    Mar 8, 2016 at 17:41
  • @Willeke -- that moment? Why does anybody buy insurance in advance, instead of just waiting until they have a loss and then buy it? (I bet they get extremely suspicious if you file a claim in the first few days of coverage.) OP, given the above, it sounds like there are at least some companies willing to write a policy even after the trip has commenced. Start calling around. Mar 8, 2016 at 21:24

I bought a policy from Globelink when I was already abroad and realized I forgot to take out insurance. They used to provide this option only via phone calls but this year they announced it can be bought as any other policy online on their website.

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    Jul 4, 2017 at 12:47

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