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Can you buy travel insurance (before leaving home) for one leg of a journey, where that leg takes place after visiting another country first? (self.asklemmy)

submitted 8 months ago* (last edited 8 months ago) by jimmycrackcrack to c/asklemmy

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Planning a trip to 2 countries. Want to buy travel insurance for the leg of the trip taking place in the second country, after the first.

As far as I understand, this should be fine, I specify the dates of the trip to the insurance company from the day I arrive in the 2nd country to the day I leave it and if need be I'll be able provide proof that I was there (boarding passes, tickets, passport stamps) if needing to make a claim. I'd also buy the insurance prior to leaving my home country, which I know is important. It all sounds theoretically fine but I'm just worried there's going to be some unexpected gotcha in doing this.

Obviously this will depend on the fine print of my specific chosen insurance and I'm reading through all 100+ pages of it, but nevertheless the ability for this to somehow contravene something in a counterintuitive or unexpected manner even if I don't see it explicitly spelled out worries me given how tricky insurance companies can be and I wondered if this was something generally known to be a problem.

UPDATE: called the insurance company I was considering. They said there was no problem with this, as long as I bought the insurance prior to leaving my home country, which was always the plan anyway. Otherwise, it doesn't matter if the 'journey' as they define it begins after departing from a different country to my home country.

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[–] papalonian 2 points 8 months ago

Seconding having a chat with a rep and getting a name or document of some sort. I'm definitely outside your country, and things 100% work differently with insurance where I'm at, but even if you read in plain text "this scenario will be covered" unless you've got some documentation that your specific case is covered the insurance company can pull whatever kind of legal whoopty-doo they want (and you can't afford to fight) to say it's not covered. Call someone up, get their supervisor to tell you your claim will be taken care of, and ask for them when it's not. Otherwise, you're one person against an entire company that only exists because it pays out as little as possible.