We are able to offer travel insurance for you if you’ve left home and already travelling but only on the strict understanding that nothing has occurred yet which has led to a claim or may lead to a potential claim.
This means, for example, that if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then this policy will not pay for any part of any claim, and any claim attempted in such situations may be treated as fraud, which is a criminal offence.
There is a 48 hour waiting period before the insurance takes effect as an anti-fraud measure. However, in the event of an injury sustained in an accident which is verifiable, then you are covered from the date cover commenced.
Note there is no 14 day cooling off period when already travelling overseas so no refund of premium will be made in the event you cancel the policy.