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We offer Already Travelling Insurance on the strict understanding that:

• nothing has already occurred which has led to, or could lead to a claim
• you cannot claim for anything relating directly or indirectly to a pre-existing medical condition (unless the condition falls within the terms that we cover as standard).
• you are not away from your home country for more than 18 months (or 6 months for customers aged 66yrs or over).
• This policy automatically expires and cover ceases when you return to your country of residence in the UK/EU.
• COVID-19 (CORONAVIRUS) COVER: Already Travelling policies cover Emergency Medical and Repatriation Expenses AND Curtailment if you contract Coronavirus during your trip. Coronavirus cover only applies if you are not travelling contrary to the advice of your local Government, or for UK residents - the Foreign Commonwealth and Development Office (FCDO).

There is a 48 hour waiting period from the date of policy issue before the insurance takes effect as a fraud prevention measure. New Claims requiring inpatient treatment which can be independently verified, can be made within the first 48 hours.

There is no 14 day cooling off period when you are already travelling, so no refund is available in the event you cancel your policy, or return home early.