Can Changes Be Made Once Travel Insurance Has Been Purchased?

11 Feb 2020 by Olga Brighton

Travel Insurance Tips

Most of the time, travel insurance companies will allow customers to make insurance changes after they’ve purchased their travel insurance policy, and Globelink is no exception.

Especially as the best time to buy travel insurance is as soon as you have paid for any part of your trip and this might be several months before you travel and long before all of your plans are finalised. You may secure flights long before you choose accommodation, or vice versa, you may add excursions, change dates, add travel companies and more. This means that things are prone to change before the final travel date arrives. And that’s OK. It’s still best to get your insurance in place as soon as you pay your first trip costs, so you’re covered in case something unexpected happens.

How to make changes?

Insurance policy changes

If you need to make a change to your travel insurance policy after you’ve purchased, it's usually very simple. Just contact the customer services team of your insurance provider with your name and details of your insurance, such as your certificate number. In the case of Globelink, just email or call +44 (0) 1353 699082. You may be charged an administration fee depending on the change, but it’s worth it for the peace of mind.

When to make policy changes?

Changes to your travel insurance policy should be made as soon as you become aware of the change – and before your trip starts – especially if there is a change in your medical condition or that of one of your travel companions as this could affect your cover.

Read also: When Should You Buy Travel Insurance?

What changes can be made?

Changes customers often make to travel insurance include:

Who’s travelling

You may have an additional travel companion, or a new member of the family. It’s simple to add a traveller. You will purely be charged the appropriate additional premium and your certificate updated, or an additional one issued.

Where you’re travelling

If you have an Annual Multi-Trip Policy that covers Europe, and you then decide to splash out on trip further afield, that’s fine! You just need to upgrade your geographical coverage before you travel. The same usually applies to Single Trip Policies as long as your trip hasn’t started yet. You will be charged the relevant additional premium for your chosen area of travel.

Change in your medical condition

Changing medical insurance

It’s essential to tell your Travel Insurance provider about any change in your medical condition in case this impacts on your insurance coverage. Get in touch as soon as you are aware of a change and follow the advice provided.

Extending your trip

You can usually extend a Single Trip Policy as long as you do so either before your trip has started, or in the case where you are already travelling - before the policy expires. Beware that policies will have a maximum period of coverage. With Globelink it’s up to 18 months! If you have an Annual Multi Trip policy with a maximum trip duration that no longer suits your travel plans, you may be able to upgrade to one with a longer trip duration. Globelink offers policies up to 120 days Per Trip for the under 65’s and 90 days Per Trip for 65-79 yrs (for travel in Europe).

Personal details

Need your name or address altered on your Travel Insurance? Or have you changed your country of residence since purchasing? That’s OK, it’s a simple change to make. Globelink can still cover you as long as you live within the EU.

What if you change your mind about cover?

Travel insurance details

All travel insurance policies should have a ‘cooling off period’ – that’s a period in which you can review and get a full refund if you change your mind. This is usually provided that no one insured has travelled yet and no claims have been made. With Globelink, if the insurance does not meet your requirements you can cancel up to 14 days from the date of purchase.

If you’ve already bought travel insurance you are already a savvy traveller. Keep it up by making sure you advise your insurance company of any changes, so you can carry on travelling with total peace of mind. Wherever you travel always check FCO’s travel advice to help you stay safe and travel aware.

Read also: What 6 Aspects Do You Need to Check Before Choosing a Policy?

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