Extending Your Trip & Buying More Travel Insurance Cover (2024)

FAQs

Can I extend my travel insurance? ›

Yes, the trip extensions option can be added to your annual multi-trip travel insurance policy either when you take it out or at later date. If you're adding it later, this will need to be before you embark on a trip you need the extended cover for.

Unlike airfare or hotels, travel insurance premiums do not typically increase as you get closer to your departure date. While the cost of some plans may change slightly, quotes will stay relatively stable leading up to your trip.

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll have protection and the more benefits you may be eligible to receive.

Having the right amount of insurance is hassle enough. Here's the thing, though: Excess insurance is not a bad thing when it comes to travel medical insurance. In fact, excess travel medical insurance as included in a Generali travel protection plan is something you should definitely consider for your next vacation.

Many travel insurance companies that offer Extension of Coverage will allow policyholders to extend their policy for a variety of different reasons. While eligibility requirements often vary by policy, most plans will allow coverage extensions if the follow scenarios apply: Unexpected medical emergency.

Technically, you can buy travel insurance at any point -–even when you're already traveling. However, the policy and the amount of coverage available will be more limited the longer you wait. The only time coverage becomes impossible is when an “unforeseen circ*mstance” becomes foreseen or evident.

According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. Solo travelers can expect to pay around $60-$100 for coverage. Travel insurance provides a range of protection before and during your trip.

You can buy travel insurance up to 12 months prior to your departure date, including before you've purchased flights or booked your accommodation. This may be of interest if there is a sale on travel insurance.

There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).

What should the coverage limit be for travel insurance? ›

Policy maximums can typically range between $10,000 and $8 million, but will vary from plan to plan. If you need to use your coverage during your travels, the travel insurance policy will cover eligible expenses detailed in the policy's documentation up to the policy maximum amount.

Below are some typical conditions you might see (but always be sure to check your plan for specifics!): You must purchase your plan within 14 days of making your first trip payment or first trip deposit. On the policy purchase date, you must insure the full non-refundable cost of your trip with us.

Policies can be extended by logging into your policy online or contacting Fast Cover via email to request the extension. You will need to pay the additional premium and receive written approval. Your total trip can't exceed 24 months. Pre-existing conditions that aren't automatically included can't be covered.

The more costly your trip, the more your provider will need to reimburse you for a valid claim, which increases the cost of your policy. In addition, plan costs will generally increase with age, as younger travelers may be less likely to file a claim than senior travelers based on overall health.

Travel insurance may have different excess amounts for different types of claims. For example, the excess for personal possessions might be £75, while the excess for personal liability might be £100. And policies may include an additional excess for claims for emergency medical expenses.

Subject to eligibility criteria, we are also able to add additional weeks to an existing policy should you find that you need to travel for longer, providing unparalleled flexibility.

Whether you're a student backpacker travelling for a year abroad, or planning to work overseas, we understand that plans might change. And if you travel for longer than initially planned, you can usually extend the cover of your insurance from wherever you are in the world.

Yes, you can usually make a change to your holiday dates, but if you do decide to amend the length of your holiday during your trip, this will be at an extra cost to yourself.

All travel insurance claims must be made within the specified timeframe detailed in your policy. Most companies state you must register a claim within 28 to 31 days of returning home, otherwise a claim cannot be considered.