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When should I purchase travel insurance?

Updated Feb 20, 2026
Answer provided by a licensed Insurance advisorLicensed U.S. Insurance Specialist at VisitorsCoverage
The best time to buy travel insurance is right after booking your trip. There are many benefits that you may no longer qualify for if you purchase at the last minute.

So, early purchase secures trip cancellation benefits and may allow for coverage of pre-existing conditions, depending on the plan. Buying early is highly recommended but if you need to purchase last minute, no need to worry.

There are plans you can purchase right before your trip. At minimum you should allow 24 hrs for processing before the policy goes into effect. The cost of your insurance policy would be the same whether you purchase the plan in advance or right before arrival in the USA.

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Luna
VisitorsCoverage Support