No, once you have begun your trip you are generally unable to take out a policy, however there may be exceptions, such as traveling to an airport, where you will be able to take out your policy before boarding your transport.

This will vary from product to product, in most circumstances you will not be able to, but there may be instances where you can for an additional fee. If your plans are flexible and may change then an annual policy is often the better option for you as it will give you wider and longer cover.

We would always advise that you plan your trip, and any activities, in advance to ensure your holiday insurance is appropriate. If a change is possible there will likely be additional costs involved. Any changes will exclude any pre-existing incidents.

There will be various limits and excesses for each product and your experienced adviser will talk you through these before making a purchase. Inevitably, cheaper products will have higher excesses and lower limits and it is worth considering if you could afford to pay a higher excess should a claim occur.

This depends on the medical condition. Some insurance products will completely exclude any pre-existing conditions no matter how minor and some products will cover even the most serious medical conditions. Failure to declare any medical conditions no matter how trivial could result in significant issues should a medical issue occur while on your travels and the condition has not been declared.