20 Jan Travel Insurance After Departure: Can you Purchase it After Leaving?
(The short answer: yes you can but only with a handful of companies)
When I first started travel blogging I was constantly traveling, often for long periods of time. Sometimes a trip would start out as a month-long journey, then end up being a year. My nomadic life was unpredictable – I would book last minute flights and often have no idea when I was coming home.
When you go abroad people always talk about the importance of travel insurance but the issue was that most travel insurance companies only cover you for trips of a certain length of time, often up to 3 months. They also require you to purchase the policy before you leave, otherwise any claim will be invalid.
After having a scooter accident in Bali (and having no insurance because I forgot about it) I never took the risk of traveling without insurance again.
I purchased backpacker policies that covered me up to a year, but again, those become useless if you end up staying away longer than a year. And again, many of those require you to purchase the policy before you leave and they often don’t allow you to make visits to your home country in between.
If you want to purchase travel travel insurance after departure then I highly recommend using Safetywing.
About SafetyWing Nomad Insurance
As of August 1st, Nomad Insurance covers Coronavirus Disease (COVID-19)! Coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation.
Testing for COVID-19 will only be covered if deemed medically necessary by a physician. The antibody test is not covered, as it is not medically necessary.
SafetyWing Nomad Insurance in my opinion is the best insurance for digital nomads and long term travelers. It costs $40 per month for travel excluding the US and $73 for travel including the US. If you’re between the ages of 18 and 39 years old your policy will have a $250 deductible and a $250,000 limit. Although it can be used by anyone, it’s specifically targeted at remote workers and digital nomads.
The best thing about their Nomad Insurance is that you can purchase it after your journey has already started. So if you forgot, you can buy your travel insurance after leaving and you’ll still be covered.
The policy includes travel medical insurance, covering you if you have an accident or fall sick while outside your home country, plus it also covers things like travel delay, lost checked luggage, emergency response, natural disasters and personal liability. Benefits include the following:
As you can see from the table above, you are fully covered for hospital visits and intensive care up to the overall maximum limit. for unexpected illness or injury, including eligible expenses for hospital, doctor or prescription drugs.
Allows you to pay monthly – One of the issues I found with backpacker insurance policies was that I was required to pay hundreds of dollars in one lump sum. If you don’t have much money, that can seem like a lot all in one go.
Works like a subscription – Your policy will renew every 28 days from the date you start your coverage. Cancel at any time. Subscription coverage runs for 364 days, after which you have to re-purchase new coverage if you’ll continue to be away from your home country. There’s no limit to how many years you can keep re-purchasing.
COVID-19 illness is covered – Coverage works the same as any other illness as long as it was not contracted before your coverage start date, and does not fall under any other policy exclusion or limitation. Testing for COVID-19 will only be covered if deemed medically necessary by a physician.
Home visits are covered – After being abroad for 90 days, you can keep your medical coverage for 30 days in your home country if something happens while there. (15 days if your home country is the U.S.)
Children can be included – If you’re traveling with your kids, you can add up to two children under the age of ten per family (one per adult) free of charge.
Not the cheapest insurance out there – SafetyWing Nomad Insurance costs $40 per month excluding travel in the USA. There are definitely cheaper travel insurance policies out there if you’re going on shorter trips.
Geared towards long term travelers –
Cuba, Iran, and North Korea not included – You are covered for travel anywhere in the world outside of your home country, unless your home country is Iran, North Korea or Cuba (or have Cuba as your citizenship).
Certain exclusions – Cancer treatment, routine check-ups and pre-existing conditions not included
Age limit – There’s a maximum age limit of 69 years of age.
Want to learn more about SafetyWing? You can learn all about their Nomad Insurance here.