Do not edit the PDF or buy a second policy blindly. Whether a policy can be moved, extended, cancelled, or refunded depends on when you ask, its current status, and the insurer's terms.
In this guide+
First identify the exact change
Moving the whole trip, entering earlier, staying longer, shortening the visit, replacing a traveller, and correcting a passport typo are different requests. Prepare the order and policy numbers, old and new dates, insured details, and a short explanation. A precise request is much easier to resolve correctly.
If the trip has not started
Contact the seller or insurer immediately and ask for the available option in writing. Some details may be corrected or a policy cancelled before it starts; other cases require a replacement, and refund rights may be limited by the terms. Treat nothing as changed until you receive a revised document or explicit confirmation.
If you need to stay longer
A policy does not extend itself when a flight changes. Arrange the extra period before current cover ends so there is no uninsured gap. An event that has already happened cannot be insured retrospectively, and any new policy may have its own start time and restrictions.
If the trip is shorter or cancelled
Send written notice as early as possible. Cancellation and any refund depend on the specific wording, start date, whether an insured event occurred, and costs already incurred. Keep the original emails, payment evidence, and issued PDF until you receive a final response.
What you should never do
Do not alter names or dates inside a PDF, use somebody else's policy, or make a duplicate purchase before checking the first order. Border checks and medical assistance rely on insurer-confirmed data. After any correction, read the whole replacement document, not only the changed line.

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Use the issued policy document for exact benefits, limits, dates, exclusions, and insurer terms.



