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Travel Insurance for Colombia

Find out more about buying Travel Insurance for Colombia for Aussie travellers
Whether you're tandem paragliding over the Chicamocha Canyon, trekking to the Lost City or enjoying the nightlife of Medellín, Fast Cover’s Colombia travel insurance offers different levels of cover to suit many types of travel in Colombia. 

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal circumstances.

What does Fast Cover’s Colombia Travel Insurance Cover?

This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always review the PDS before deciding.

Overseas Emergency Medical Evacuation and Repatriation Expenses in Colombia

In case you are seriously injured or sick whilst in Colombia, cover is available to cover the costs for the flight home or to get to the nearest hospital. ^

24 Hour Emergency Medical Assistance

Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call wherever you are in Colombia, at any time. ^

Overseas Emergency Medical and Hospital Expenses in Colombia

This benefit is available to provide protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you during your trip to Colombia. ^

Trip Cancellation Expenses

You can take out a Colombia travel insurance policy with cancellation cover up to 12 months before you travel. This can come in handy if you want to take measures to help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Colombia due to an unexpected emergency that is covered under the policy. ^

Travel Delay Expenses

Bad weather or airline operational issues can throw a spanner in the works on your holiday to Colombia. This benefit is available to provide cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^

Luggage and Personal Effects

This benefit is available to provide cover for loss, theft or damage to your luggage and personal belongings such as phones, cameras and laptops while you travel around Colombia. Conditions including maximum cover limits, sub-limits on how much you can claim for each type of item and the situations in which we would provide cover apply. ^

Optional Extras for your Colombia Travel Insurance

Fast Cover's optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures in Colombia.

Person kayaking on lake with mountains

Adventure Pack

Travellers aged 74 and under at the date of policy issue embarking on adventures throughout Colombia's unique landscapes and locations can add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities such as hiking between 3000m and 6000m, rafting and kayaking in rivers and rapids graded IV or V, zip lining, tandem paragliding and more. ^

man with a helmet riding a yellow scooter

Motorcycle Pack

Riding a motorbike in Colombia is a thrilling way to explore the coffee region’s scenic backroads and the winding routes through the Andes. Travellers aged 74 and under at the date of policy issue who want to ride or be a passenger on a scooter, moped or motorcycle, will need to add the Motorcycle Pack to their Colombia travel insurance policy. ^

cruise ship on ocean

Cruise Cover

If you’re embarking on a cruise holiday in Colombia's waters for 4 nights or more, add our cruise cover to your Colombia travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions. ^ 

people walking on snow

Ski and Snow Sports

Travellers aged 69 and under at the date of policy issue planning to ski or snowboard in Colombia can apply for Fast Cover's ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide cover for costs associated with ski and snow sports. ^

Person typing on laptop

Specified High Value Items

If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^ 

Person inside van by the ocean

Rental Vehicle Insurance Excess

Renting a car is a great way to explore Colombia at your own pace. If your rental vehicle is in an accident, damaged or stolen during your trip to Colombia, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Do I Need Travel Insurance for Colombia?

Depending on the policy chosen, travel insurance for Colombia can help to better prepare you to deal with unexpected and unforeseen circumstances such as injury or sickness as well as trip cancellation and disruption expenses. One way to prepare for this is by making international travel insurance for Colombia a priority. ^

Insurance Cover Options for your Trip to Colombia

At Fast Cover, we have a range of coverage options available for your trip to Colombia. The below options are a summary of some of the benefits available under the various policy options, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is Fast Cover's most popular policy option. It provides the highest level of cover for the widest range of unexpected situations like medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy but usually lower limits, such as trip cancellation and trip disruption, as well as relating to your health and luggage and personal belongings when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basic Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.^

More than one trip? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you travel to Colombia frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance for Colombia. We can provide cover for an unlimited number of trips in a 12 month period up to a specified number of days each trip. ^

What is the Best Travel Insurance for Colombia?

The best travel insurance policy for your trip to Colombia is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for Colombia, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip to Colombia, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip. 

Here are some examples of things you may wish to consider when reviewing travel insurance policy options for Colombia: 

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked your Colombian tour, accommodation or flights?

You may wish to consider whether the policy includes cancellation cover in case you can’t travel to Colombia due to an unforeseen circumstance such as an unexpected illness or injury. 

Consider Your Luggage and Personal Effects

Consider Your Luggage and Personal Effects

Have you just bought a new phone, camera or laptop and you’re worried that it will be stolen in Colombia?

You may wish to consider whether the policy includes cover for luggage and personal effects, including any applicable limits, sub-limits or conditions.    

Consider How You Will Get Around

Consider How You Will Get Around

Will you be riding or being a passenger on a motorcycle, moped or scooter in Colombia?

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licencing requirements or helmet use) may apply.

Consider What Activities You Will Be Doing

Consider What Activities You Will Be Doing

Will you be doing adventurous activities like water skiing or tandem paragliding in Colombia?

You might wish to consider whether your policy provides cover for these activities or whether you need to add cover and pay an additional premium to include cover for those activities.    

These are just some of the considerations that should be taken into account when looking for the best travel insurance policy for Colombia, so you know what cover is available to you before and during your trip to Colombia.  
 
Before you decide on the best travel insurance for Colombia, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.  Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best Travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Winner Outstanding Value

2024 Canstar Outstanding Value Award for Seniors Travel Insurance†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

The Benefits of Travel Insurance for Colombia

Depending on the level of cover you take out with our Colombia travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental^

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability~

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess#~

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^~

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure~

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

What is Not Covered in our Colombia Travel Insurance?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of. 
 
Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision.

If you become injured while breaking the law

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. This could include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol. 
 
Remember that possession of certain drugs is illegal in Colombia. Using drugs or selling them can land you in trouble with the law in Colombia. 

If you are intoxicated or have taken illicit drugs

If you are intoxicated or have taken illicit drugs

It may not be illegal to have a drink while in Colombia, but if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy. Keep in mind that the legal drinking age in Colombia is 18. 
 
Certain drugs are illegal in Colombia, and you may not be covered by your Colombia travel insurance policy when you’ve taken drugs. 

If you do an activity that isn’t covered by your policy

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while for example, riding a scooter or quad bike and you didn’t add the Motorcycle Pack or Adventure Pack respectively to your Colombia travel insurance policy, you’ll likely be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy. 
 
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do in Colombia. 

Unsupervised belongings

Unsupervised belongings

If something of yours is stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this will be considered leaving your belongings unattended, in which case you may not be covered.  
 
Make sure you keep your belongings with you at all times or keep them in a secure location. 

Regular medical or dental check-ups

Regular medical or dental check-ups

There are exclusions that apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday to Colombia before you leave Australia. 

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning on Smartraveller that certain areas in Colombia are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase. 

Known events

Known Events

Known events are serious situations, from natural disasters like earthquakes and tsunamis, to disease outbreaks, which can affect your holiday plans and also the cover on your travel insurance policy for Colombia.  
 
If you buy your Colombia travel insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Colombia so you know where you stand with regards to the cover that you will have on your Colombia travel insurance policy. 

Disappointing holidays

Disappointing holidays

Perhaps the weather was bad, you didn’t enjoy your tour, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip to Colombia has shaped up, your travel insurance policy for Colombia is not intended to compensate you because you didn’t enjoy your time there. 

Why Choose Fast Cover?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Ready for Colombia?

What Our Travellers Are Saying

Got a Question?

For customers looking to get a quote or buy a policy for Fast Cover policies underwritten by certain underwriters at Lloyd’s, Colombia is in the Worldwide region.

If you are only in transit through Colombia, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed on your Certificate of insurance. If you change your travel plans and decide to legally enter Colombia, you may not be covered under your policy if Colombia was not selected at the time of purchase and listed on your Certificate of insurance. You can apply to Fast Cover to add Colombia to your policy to include cover and pay an additional premium. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The cost of travel insurance for Colombia will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip to Colombia, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose.  

To determine the cost of travel insurance for your upcoming trip to Colombia, request a quote from Fast Cover today.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Consider purchasing travel insurance for Colombia when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Colombia due to an unexpected emergency that is covered under your policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Regardless of the travel insurance policy that you choose for your overseas trip to Colombia, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Since Australia doesn’t have a Reciprocal Health Care Agreement with Colombia, you’ll likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling in Colombia. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars.   

This benefit provides some protection against the financial burden of unexpected medical emergencies that can happen on your trip to Colombia, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis. You should be aware that cover isn’t available for all medical expenses, and some of these include (but are not limited to):

  • medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance, 
  • planned medical procedures or other non-emergency medical treatments, 
  • routine medical or dental check-ups,  
  • injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and 
  • your medical expenses once you’ve returned to Australia, 

so it’s important to review your policy to understand what is and isn't covered while you're in Colombia and the terms and conditions that apply. 

You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop between the time you purchase your policy and the date you depart on your trip to Colombia through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Existing Medical Conditions page. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply. 

Colombia can experience severe weather events leading to flooding and landslides, particularly in mountainous and rural areas, which can impact travel plans. So, if you’re planning a trip to Colombia, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for Colombia, travel advisories from Smartraveller and travel warnings from the Australian government. 

If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.  

Our trip cancellation expenses benefit is available to provide cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.  

Our trip disruption expenses benefit is available to provide cover for when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

River cruises are automatically included under your travel insurance policy so you won’t need to choose Cruise cover, if you are planning to go on a river cruise in Colombia’s rivers such as the Amazon River. Similarly, short day cruises along bays and lakes are also automatically included under your Fast Cover travel insurance policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

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Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Disclaimer: Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding which policy is right for you and your individual needs.

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).