Can I buy a travel insurance policy if I'm already overseas?

If you're a UK resident then you are most welcome to buy a policy while already travelling. You can buy a policy even if you’re already travelling, working, living or studying in another country. 

If you buy a policy away from home, there is a time excess (some policies refer to this as a “waiting period”) of 3 days (72 hours) before the insurance takes effect. 

In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party. 

You can also keep buying more cover while away from home to extend your trip by signing into your World Nomads membership as long as you extend it before the policy end date (before midnight GMT on the date shown on your policy and the same product is available).

You should read the policy wording for full details on your eligibility to buy a policy and when cover starts and ends. You must ensure you understand what's included and what's not, as well as the terms, conditions, limitations an exclusions. If you have any questions get in touch.

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Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us


For policies purchased on or after 1 November 2018:

0800 260 5081

+353 21 237 8000


For policies purchased before 1 November 2018:

0330 660 0738

+44 (0) 330 660 0738