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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 or EU. Just follow the Quote form to get a price and complete your purchase.

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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.

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No Return Ticket Required

You don't need to know when you'll be returning home to get cover. So if you're on an open ended trip, or emigrating, we can cover you.

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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.

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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
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24 hour Emergency
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Up to £10m Medical
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Travel Insurance after leaving

It’s not uncommon for people to head off on their travels without taking out insurance, 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 single trip cover even though you’re already abroad, or we can extend your existing insurance to cover the remainder of your travels.

The 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 or EEA passport holder and normally resident in the UK or an EEA member state. 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.Travel Insurance after leaving

If you purchased your original travel insurance from Big Cat and want to extend it or add activities which aren't covered in your existing policy, just go to extend your travel insurance page and fill in the form.

Please note the above information is only a summary of the cover provided.  Full details may be found in the policy document.

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

Key benefits for Travel Insurance after leaving include:

  • Worldwide cover for trips up to 24 months.
  • Emergency Medical and Repatriation Expenses up to £10 million on Premier policy.
  • Baggage & personal effects up to £2,000.
  • Gadgets & valuables cover up to £1000.
  • Legal expenses up to £15,000.
  • Personal money up to £500.
  • Tickets up to £1,000.
  • Passport and visa up to £300.
  • Personal Liability up to £2 million.
  • No requirement to have a pre-booked itinerary.
  • Cover if you wish to undertake light-manual or volunteer work.
  • Adventure activities cover with our Activity Packs.
  • Facility to arrange or extend Insurance when already travelling.

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.


6 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.


21 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.


8 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.