Passport? Check. Visas? Check. Vaccines? Check. You’ve planned everything for your two-week trip. You realise you forgot travel insurance. Oh no! Too late? It’s not too late! Travel insurance is available after booking. Buying insurance early is best.
Five reasons to buy travel insurance right after booking:
1. Trip cancellation benefits last longer
You know you should get trip cancellation insurance for your southern Italy culinary tour, but you delay it. Your wife is rear-ended a week before you leave, causing a debilitating back injury. You need to postpone your trip, but now it’s too late to get trip cancellation benefits.
Post-booking trip cancellation insurance?
Absolutely. If we receive your premium before you cancel or claim, trip cancellation protection begins on your plan’s effective date.
Trip cancellation insurance covers cancellations from your effective date to your departure for covered reasons. Benefits aren’t retroactive, so your wife’s accident won’t be covered. Trip cancellation insurance should be purchased immediately.
2. Preventable reasons cannot cancel a trip
You reserve a week in Montego Bay starting October 1 on June 1. You wait to buy travel insurance until five months before your trip. On the 27th of September, Hurricane Heidi formed in the Caribbean and headed toward Jamaica. Is it too late to get travel insurance?
Travel insurance protects against unforeseeable events. A storm or hurricane warning from the National Weather Service is a foreseeable event that could affect your travel. After the warning, travel insurance won’t cover storm losses. Your plan can cover losses from unrelated covered reasons.
3. Pre-existing medical conditions can be covered within 14 days of making your initial trip deposit
With regular treatments, you’ve managed to stay active and travel for years with rheumatoid arthritis. Travel health insurance with pre-existing medical conditions is a must. After booking your Morocco trip, you wait two months to buy insurance. While visiting Chefchaouen, your symptoms flare, causing severe joint and back pain. Doctors confirm you can’t continue the trip. You bought travel insurance too late to cover the trip interruption.
You, a travelling companion, or a family member can have a medical condition and still could receive all benefits and assistance services. An existing medical condition is an illness or injury that you, a travelling companion, or a family member was getting treatment for or showed symptoms of on the day you bought your plan or in the 120 days prior. The plan you choose may have eligibility requirements for this benefit.
Here are some typical conditions (check your plan for details):
Purchase your plan within 14 days of your first trip payment or deposit.
We must insure the total non-refundable trip cost on the travel insurance international policy purchase date. Between policy purchase and departure, trip arrangements may become non-refundable or subject to cancellation penalties. (You must insure any additional non-refundable trip expenses with us within 14 days of their purchase. If not, the pre-existing medical condition exclusion applies to those expenses.
4. Last-minute plans may be limited
You forget to buy travel insurance for Cambodia while packing at home. Tomorrow’s the flight! Is travel insurance available late?
Travel insurance can be purchased before departure. Last-minute plan selection may be limited. Travel insurance international should be purchased immediately after booking if you want trip cancellation, interruption, and medical condition benefits.
5. Avoid rental car hassles.
Cross-country road trip requires a car rental. You’ve heard the rental counter’s insurance options are expensive, but you’ve been too busy planning your route to research them. Are you using the rental counter or your car insurance?
You don’t want to make that decision last minute. That’s why it’s always better to buy travel insurance online as soon as your travel bookings are done.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.