Identity of the documentPage 01
Travel insurance, eligibility first

Can I get cover in Tokyo

Comparison sites answer “how cheap?” We answer the question that actually decides everything: which insurers will take you at all. Already left home, turned 74, booked one-way, or stopped having an address? Someone still covers you. This passport finds them.

In the spirit of the world’s politest travel document: the operator of this site requests and requires, in the name of every awkward traveller, that each insurer state plainly whom it will and will not cover, and that the bearer be allowed to shortlist them without let, hindrance, or a 40-page PDF.

Type
Directory, not an insurer
Code
CIGC
Rulebooks read
34 researched · 14 policies live
Last verified
3 Aug 2026
Open the checker → How it works

90 seconds · no email · no personal data stored · you buy direct from the insurer

Page 02 · Official observations
“You haven’t left home yet.” Declined
“You live where your passport says.” Declined
“You’re under 65.” Declined
“Your trip has a return date.” Declined

Break one assumption and the quote engines go blank. You’re not the edge case. You’re the customer they forgot. Someone will still insure you. The job is finding them.

Conditions of cover-findingPage 03
The flip

Eligibility first. Price second.

Price only matters for policies you can actually buy, from insurers who would actually pay out. So we sort the market the other way round.

Art. 1

Who will take you

Residence, nationality, age, trip status, one-way, activities. We match your answers against each insurer’s published eligibility rules, not their marketing.

Art. 2

Why, or why not

Every verdict comes with the reason and the receipt: the rule, the source document, and the day we last checked it. “Not eligible” is an answer too. It saves you a claim denial.

Art. 3

Then you buy direct

We don’t sell insurance, quote prices or take your data. You finish on the insurer’s own site. Some links pay us a commission; it never changes who we show or in what order.

Entries & departuresPage 04
How it works

Three stamps to yes.

Entry one · 90 seconds

Tell us who’s travelling, honestly

Where you legally live, where you are right now, whether the trip already started, how old you are, what you’ll ride, climb or dive. The awkward questions are the whole point. They’re what insurers decide on.

01
Boarding · Questions
Entry two · instant

We check the rulebooks

Your answers run against eligibility rules pulled from policy wordings and official FAQs, each with a source link, a confidence level and the date we last verified it. Grouped into strong match, worth checking, specialist and not eligible (with the reason).

02
Screening · Rules
Entry three · on their site, not ours

Confirm and buy with the insurer

You leave with a short list and a checklist of things to confirm. The insurer’s quote flow has the final say. We show you what still needs their confirmation, so there are no surprises at claim time.

03
Departure · Direct

So… can you get cover?

Thirty-four insurers researched. Fourteen policies live in the checker so far. Zero of them pay to rank higher.

Run the check →
Visas · insurers on filePage 05
The rulebook shelf

Insurers we’ve actually read.

Hover a card for the fact most sites won’t tell you. Every rule in our engine links to the policy wording or official FAQ it came from.

Cards show a sample of each provider’s eligibility profile, condensed. “Checked” dates are real verification dates. This is information about published eligibility rules. It is not advice, a recommendation, or a guarantee of cover; insurers change rules and have the final say. Found something stale? Tell us and we’ll re-verify it.

Endorsements & amendmentsPage 06
Receipts included

We show our homework.

  • Every fact has a source and a date. Policy wording beats FAQ, FAQ beats marketing page, and we tell you which one we used.
  • Confidence is graded, not hidden. Verified-today facts rank above reported ones; anything unverified is flagged for you to confirm with the insurer.
  • Commissions never touch the order. Results sort by eligibility confidence and fit. Providers with no affiliate deal appear identically. Several of our best matches pay us nothing.
  • “We don’t know” is an allowed answer. When a rule can’t be verified, the card says so, and tells you exactly what to ask the insurer.
WorldTrips · Atlas Travel
Rule verified
Rule
Can you buy after leaving home?
Finding
Yes. The effective date can be “the moment you depart from your home country”.
Source
Atlas Description of Coverage (policy document)
Confidence
High. Primary document read in full.
Checked 3 Aug 2026Re-verified monthly
Notes of the issuing authorityPage 07
Fair questions

Asked and answered.

No. We’re an information service: a directory of who covers whom, built from insurers’ own published documents. We don’t give advice, produce quotes, handle payments or touch claims. You buy directly from the insurer, on their site, under their rules. Think of us as the person who’s already read all the rulebooks.
Usually not. That’s the myth. Of the 13 insurers we’ve deep-checked, 7 will start cover after departure, from SafetyWing (“at any point during your travels”) to battleface’s dedicated already-abroad product. The catch is waiting periods, typically 24 hours to 3 days before full cover, which the results screen shows plainly.
Some insurers pay us a commission when you buy after clicking through. Those links are marked. That’s the whole model: no sponsored placements, no selling your data (we don’t collect it), no pay-to-rank. Ordering is by eligibility confidence and fit to your trip, and we list providers who pay us nothing right alongside those who do.
No, and anyone who guarantees that is selling something. Insurers change eligibility rules without notice. What we promise instead: every fact is dated, sourced and confidence-graded; rules get re-verified on a schedule; and anything we couldn’t verify is flagged as a question to ask the insurer, not buried. Final eligibility is always the insurer’s decision at purchase.
They run through a rules engine in your browser and never leave it. No account, no email wall, no answers stored on a server: refresh the page and we’ve forgotten you existed, which we think is exactly how much an insurance directory needs to know about you. Our affiliate network does load a script that tags outbound clicks so insurers know we sent you: that is how we get paid. It never sees your questionnaire answers, and it is the only third-party code on the site.