Knowing when to buy travel insurance can make or break your trip protection. Many travelers wait too long to purchase a policy, not realizing that timing directly affects eligibility and benefits.
The best time to buy is as soon as your first trip deposit is paid. Buying early ensures access to full coverage and avoids denied claims if something goes wrong before your departure.
Buy Right After Booking
Purchasing travel insurance right after you make your first trip payment gives you the most protection. Early buyers can qualify for benefits such as trip cancellation, travel interruption, and pre-existing medical condition waivers. You’ll also be eligible for Cancel for Any Reason (CFAR) coverage, which is usually only available within a specific period after booking.
Buying early means your investment is protected even before your journey begins.
Before Departure: Better Late Than Never
If you forgot earlier, don’t worry—you can still buy travel insurance before departure. Coverage will protect you from travel delays, medical emergencies, and lost baggage. However, claims linked to known events, such as named storms or airline strikes, won’t apply.
While it’s possible to buy travel insurance at the airport, last-minute policies often cost more and exclude key protections.
Final Tip
Understanding when to buy travel insurance is just as important as choosing the right policy. Purchase it early to ensure your trip, your health, and your expenses stay protected from unexpected disruptions.
