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How to Buy Travel Insurance If You’re Already Traveling

Figuring out how to buy travel insurance if you’re already traveling isn’t as easy as you might think. Fortunately, World Nomads came to our rescue—twice.

Preparing for 7 months out of the country got the best of us. Despite having 2 months to plan and prepare for our South American journey, there simply wasn’t enough time to take care of everything. Months turned to weeks. Weeks turned to days. And then, we were off. Many of you have probably been there before.

Now, most of the important tasks were checked off the to-do list before we left. But somehow, travel insurance—one of THE most important—wasn’t.

The travel insurance landscape is intimidating.

Every time we said “today’s the day!”…we found ourselves confused and frustrated. Then we said “enough of this; maybe tomorrow.”

Fast forward three weeks.

We had just spent 10 days in Curaçao—an incredible trip that included our first (and second…and third…and fourth) scuba diving experiences post-certification—without travel insurance. Not smart.

Now, we find ourselves in Ecuador, again researching travel insurance. There’s only one problem: we’re well into our trip, and we’re thousands of miles away from home. After 10 minutes of research, we realize: hardly any major travel insurance companies will sell you a policy if you’ve already left for your trip.

World Nomads is one of the few that will.


How to Buy Travel Insurance If You’re Already Traveling

When you’re on the road, your travel insurance options are surprisingly limited. Below are a few companies that do offer policies if you’re already away from home:

  • Big Cat
  • 1Cover
  • Downunder
  • TID

Each of these companies has its own restrictions based on age, home country and other factors. You’ll need to check with them directly to see if they’ll cover you.

After going through the options, World Nomads was the clear choice. Their benefits offer great value for the price, and they’ve got a phenomenal reputation for customer service. Endorsements from Lonely Planet and National Geographic certainly don’t hurt!

The process of securing a policy from World Nomads was a breeze:

  1. List the countries you’re visiting (including the one you’re already in)
  2. List the start and end dates of your trip
  3. Enter your country of residence
  4. Enter your age
  5. Generate a quote

About 10 seconds later, World Nomads will display quotes for their 2 plan options: the Standard Plan and the Explorer Plan.

You’ll pay more for the Explorer Plan (30-50% depending on the length of your trip), as it offers a larger cushion on the existing benefits, as well as a few additional benefits.

World Nomads Standard vs. Explorer—side-by-side comparison of primary plan benefits:


Cost comparison for a 78-day policy:

This is the second policy I’ve secured through World Nomads, while already on the road:


Here’s the cost breakdown on a per-day basis:

  • Standard Plan – $291.36 ÷ 78 days = $3.74/day
  • Explorer Plan – $434.66 ÷ 78 days = $5.57/day

For my needs, the Standard Plan offers what I considered to be great coverage. Minutes after making the purchase, I received an email with all of my policy information. Tomorrow, the policy will be active.

Are you somewhere out there in the world…trying to figure out how to buy travel insurance if you’re already traveling?

Generate a World Nomads travel insurance quote…right now.

World Nomads: travel insurance for the adventurous traveler

Skiing in Slovenia? Canyoning in Montenegro? World Nomads covers a wide range of adventure sports and activities (probably the widest we found).

Here are a few more highlights:

  • Available to people from 140 countries
  • Expand your existing coverage or claim online while traveling
  • Give a little back and support a community development project
  • Includes coverage for overseas medical, evacuation, lost baggage, etc.
  • And the best feature: you can buy and claim online, even after you’ve left home.

Want to learn more about World Nomads, or the world of travel insurance in general?

We’ve got you covered.


Like many of you, we’ve had our fair share of negative experiences with travel insurance companies. After hours of research spread across multiple frustrating sessions, World Nomads came to our rescue—as they have for thousands of other travelers that dropped the ball on this very important piece of travel prep.

But we encourage you to do your homework. World Nomads made the most sense for us, but it may not be right for you. Do some research and compare options to find the provider that makes the most sense for you.



Disclaimer: travelhelix is part of the World Nomads Partner Program, meaning we do receive compensation if you purchase a World Nomads policy by clicking through from our website. However, we have not been compensated for this article, and we have paid in full for both policies that we’ve secured through World Nomads. We endorse World Nomads because we use their product and believe in their service.

If you’ve found this article useful and are considering buying a World Nomads policy, please consider booking via the links on our site—it will help us keep the lights on and the travelhelix dream alive!

Travel planning doesn’t need to be time consuming, stressful or complex. Check out our Resources page for some of the best trip-planning tools we use daily.

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