Travel Insurance Already Abroad
Travelling without insurance? Get travel insurance even if you’re already abroad with Rise & Shield. Quick & easy.
Are you looking for travel insurance when already abroad?
We’ve got you covered. Our Already Travelling add-on lets you enjoy full cover while you’re abroad. No phone calls, just a quick online top-up and a 48-hour activation window.
Here’s what you’ll have once that window closes:
✅ Emergency medical treatment
✅ Medical evacuation & helicopter rescue
✅ Trip interruption
✅ Baggage & personal belongings
✅ Personal liability insurance
✅ 24/7 Worldwide assistance & repatriation
Buy in minutes, add the Already Abroad policy, wait out the short 48 hours, and get back to making stories.
What’s included in our Already Travelling cover?
You’re covered for:
- Worldwide emergency medical expenses.
- Trip cancellation & interruption.
- Evacuation and repatriation.
- Equipment loss.
What’s not included in this policy?
Our Already Travelling add-on will not cover:
- Incidents that began before purchase or during the first 48-hour waiting period (unless it’s a sudden, independently-verified accident).
- Any pre-existing medical conditions or ongoing treatment.
- Annual multi-trip policies. This add-on is single-trip only.
- Cooling-off refunds. Once you buy abroad, the premium is non-refundable.
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What does our Already Travelling insurance cover?
Left home without cover or let an old policy lapse? No drama.
We built this add-on to plug the gap while you’re mid-journey, so you can keep moving without second-guessing every airport announcement.
Medical Emergencies and Evacuation
We settle overseas hospital bills and, when a doctor orders it, organise helicopter lift-outs or stretcher transfers, anywhere from Kathmandu to Cancún.
Lost or Delayed Baggage
Safeguard your belongings against loss, theft, or damage, even after your trip has started.
Travel Inconvenience Benefit
Grounded flights, family emergencies, sudden border closure? If plans implode, we pick up the cost of replacement transport and extra accommodation.
Plus loads more benefits...
Who is this cover for?
If you're already travelling and forgot to buy insurance, or your original policy ran out and you're extending your trip, this cover is for you.
Our Already Abroad option ensures you can still access emergency medical protection, even if your journey is already underway.
You must meet a few simple conditions:
- You haven’t already experienced an incident you want to claim for.
- You’re in good health and not currently receiving medical treatment.
- You’re travelling on a single-trip basis (this add-on doesn’t apply to annual multi-trip policies).
What am I covered for?
You’ll get the same strong emergency medical coverage that comes with our standard single-trip policies, including:
- Hospital stays and medical treatment for illness or injury
- Emergency dental care to relieve pain
- Medical evacuation or repatriation, if needed
Note: This cover does not apply to routine check-ups, pre-existing conditions, or anything that happened before your policy started.
Why is there a 48-hour waiting period?
If you’re taking out travel insurance after your trip has already started, there’s one important rule to know: for the first 48 hours, your cover is limited to accidents only.
That means if you slip on a trail or injure yourself while out exploring, you're still protected, but the incident must be independently verified (for example, confirmed by a medical report or witness statement).
During this window, you won’t be covered for illnesses or medical issues that begin in that time.
Once those initial 48 hours have passed, your full emergency medical cover kicks in.
It’s a small buffer to protect the system from claims on issues that might have already been brewing before you hit “buy.”
More importantly, it helps us keep premiums affordable and fair for all travellers, without cutting corners on quality protection.
Why choose Already Abroad cover?
Sometimes travel plans shift and your insurance needs to shift with them.
Our Already Abroad policy is designed to give you essential protection, even after you’ve left home.
- Covers you for emergency medical treatment and hospital stays
- Designed for travellers who are already on their trip
- Quick and easy to activate with minimal hassle
It’s smart, flexible cover that helps you keep moving forward safely and confidently.
How do I buy insurance when already overseas?
Getting covered with Rise & Shield is easy. Follow these simple steps to secure your trip:
Get a Quote: Start by entering your trip details to receive a personalised quote.
Customise Your Plan: Tailor the coverage options to meet your specific needs.
Receive Instant Confirmation: Purchase and instantly receive your policy details via email.
Travel insurance already abroad FAQs
Yes! Rise & Shield offers travel insurance for travellers who are already overseas. Our policies provide quick, reliable coverage no matter where you are.
No. This policy only covers unexpected events that happen after you’ve purchased it. Claims for incidents that occurred before your cover started will be declined.
An accident must be sudden, unexpected, and caused by an external event (like slipping and breaking a wrist).
You’ll need evidence from an independent witness or medical provider to support your claim.
Yes, there’s an additional premium to activate Already Abroad cover.
It’s a small price for big peace of mind and it ensures you’re protected without needing to cut your trip short or hope for the best.
This upgrade is non-refundable and must be added when purchasing your policy.
Filing a claim is easy. Simply contact our 24/7 customer support team, provide the necessary documentation, and we’ll guide you through the process.
Yes! We offer optional coverage for adventure activities like hiking, diving, or skiing, so you can enjoy your travels with confidence.
You can’t extend the policy itself, but you can take out a new policy if your situation changes. Just be sure you’re still eligible under the “Already Abroad” criteria at the time.
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Rise and Shield is a trading style of Optimum Global Limited, which is authorised and regulated by the Financial Conduct Authority. Optimum Global Limited’s Firm Reference Number is 453654, you can check these details at https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768. . Registered address: Optimum Global Limited, 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, UK. Optimum Global Limited is registered in England and Wales. Company Registration number 05347793.