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NormallyReside
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Travelling as
NormallyReside


Get Cover if Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK. Just follow the Quote form to get a price and complete your purchase.

Extend your Travel Insurance

If at any point you realise you're not quite ready to return home, you can extend your insurance to include the remainder of your trip. Even if you don't have a Policy with us.

Extend here

Working while abroad

Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Pack can cover you.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose.

Cover for 156+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

Read more...

Winter Sports

Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.


Cancellation & Baggage
Cover


24 hour Emergency
Helpline


Up to £10m Medical
Cover


Claim while you're
Travelling

Already Travelling Insurance

It’s not uncommon for people to head off on their travels only to realise they are not insured after departure, or to find out once they are already overseas that their travel insurance is about to run out. But don’t fret, Big Cat can still provide you with suitable already travelling insurance cover even though you’re already travelling abroad, or we can extend your insurance to cover the remainder of your travels.

Already Travelling InsuranceThe easiest way to do this is to book this on our website, but there are certain conditions that must be met. Firstly, you must be a UK passport holder and normally resident in the UK. Secondly the policy cannot cover incidents that have already happened prior to having taken out the insurance, and no claims can be accepted for 48 hours after the policy has been issued, although in the event of a serious injury in connection with an accident, medical emergency treatment claims requiring in-patient treatment and occurring within the first 48 hours can be accepted if they are witnessed and verified by an independent third party.

Annual Multi-trip policies can not be purchased if you are already travelling.

Key Features of Already Travelling Insurance:

  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Emergency Dental Cover.
  • Cover duration of up to 24 months.
  • Baggage Cover
  • Gadgets & Valuable Cover 
  • One Way Travel.
  • No return ticket requirement.
  • Free Home visits.
  • Policy Extensions whilst still travelling.
  • 156+ Sports and Activities.
  • Winter Sports Cover.
  • Loss of Passport & Visa replacement costs.

Some FAQ's:

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.

5 people found this faq useful.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)

3 people found this faq useful.

Home visits are allowed if your policy duration is 4 months or more. There are no limits, you can come home as many times as you like, for as long as you like.

18 people found this faq useful.

Yes, bar work or working in a chalet is automatically covered with all of our policies.

3 people found this faq useful.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

 

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

 

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

 

Are there other conditions that apply to my EARLY RETURN REFUND?

  1. Only applicable to 24 month IEC policies.
  2. We are not able to offer refunds to cover the first 6 months of the policy.
  3. No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
  4. You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
  5. All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

 

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.

7 people found this faq useful.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

2 people found this faq useful.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)  is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.


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Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.


What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).


b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.


c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.


Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.


Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.


If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.


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