Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

Don’t Wait Until the Last Minute to Buy Travel Insurance

Don’t Wait Until the Last Minute to Buy Travel Insurance

Some travelers make the mistake of waiting until the last minute to purchase travel or trip insurance for their business and leisure trips. This is understandable. After all, buying insurance takes time and your focus may be on getting the best ticket prices. Nevertheless, it’s a mistake to wait until the last minute to buy your travel medical insurance. Here are some of the top reasons why you don’t want to wait until the last minute to buy travel insurance.

It Takes Time to Research and Compare Travel Insurance Plans

Travel insurance can be complicated and you’ll make a more informed choice if you give yourself more time. By starting early, you’re giving yourself the time to research travel insurance plans, compare travel coverage options and buy the travel insurance policy that best suits your needs.

Depending on where you’re traveling to, you may need a higher-than-average medical limit and for that, youll need to research the plans to be sure the coverage applies to the countries on your itinerary. Buying the right coverage can mean the difference between having the support you need in a travel emergency and being forced to handle the emergency on your own.

You’ll Also Need Time to Read the Plan Documents

Purchasing your travel insurance plan early means that youll have the time you need to read the plan and policy documents. This gives you the time you’ll need to understand your insurance rights, know the exclusions, and contact the insurance provider with your questions. If you wait until the last minute, you won’t be able to change your plans or get more clarification about how the plan works.

It Gives you Time to Find the Best Cancellation Coverage

Trip insurance comes with basic cancellation protections. This means that if you have to cancel your trip for a covered reason, you’ll be able to recoup some prepaid travel expenses. But this coverage is limited to things beyond the insured’s control like natural disasters and airline issues. If you purchase travel insurance when you’re pressed for time, you might expect that this cancellation coverage is the best you can get.

But if you give yourself more time to explore your options, you’ll discover benefits like Cancel For Any Reason insurance. This add-on benefit gives you the flexibility to cancel your plans for literally any reason and still recoup your prepaid expenses.

When you purchase a travel insurance plan with trip cancellation coverage early, you have the plan in place in case you need to cancel your trip. While you may not think youll have to cancel, unfortunate things like illnesses, death in the family, car accidents, and more can happen anywhere, anytime.

It’s unfortunate to have to cancel your travel plans or if an emergency calls you back home in the middle of your vacation. But knowing you can cancel your trip and get your prepaid expenses returned to you is an excellent benefit.

Some Coverage Requires Early Purchase

Travel insurance plans typically exclude medical charges related to a sudden onset of a pre-existing medical condition, but some also include coverage for pre-existing conditions if you purchase your plan soon after making your initial trip deposit (usually 10-14 days).

When you start planning a trip, take the time to buy your travel insurance as soon as you start making your trip reservations. This way, youll have the longest amount of time to be sure the coverage is right for you and the opportunity to use those benefits if you need them.

Readmoretravel insurance tipsfor buyinginternational travel insuranceonline that may help them you choose the right travel health insurance policy.

Related Articles

Understanding Your Travel Insurance Benefit Period

A benefit period is the specific amount of time for which medical services and treatments…

Emergency Room Coverage – When to Use It

Emergency room (ER) Visits in the U.S. are extremely expensive. This is true even for…

Do Not Rely on Free Travel Insurance Protection Offered by Credit Cards

Many credit companies may offer you free travel insurance or flight insurance. But, have…

Acute Onset Vs. Pre-Existing Conditions

Shopping around for insurance for visitors to the U.S. involves a lot of thought and…

Best Ways to Beat the Heat on Your European Trip

Heat waves can catch many travelers off guard and unprepared. Temperatures reaching 109 F (43…

How to Reduce Risk on Your Hong Kong Trip in 2019

Civil unrest in Hong Kong has caused the U.S. and a number of other countries…

Your Ultimate Guide to Road Trip Safety

It’s time for The Great American Road Trip. Exploring locally before you travel farther from…

A Parent’s Checklist for Successful Travel During COVID-19

If you’re traveling with your family and are anxious about travel in light of the…

Travel Gear for Safe Travels in 2021

Are we there yet? Its a question frustratingly familiar to parents of small children setting…

The Four Most Common Travel Emergencies

Although traveling can be an incredibly rewarding and fun experience, theres always a possibility that…

Top Ten Reasons to Buy Travel Insurance

Students studying abroad, international businesspeople, holiday makers, families vacationing in DisneyWorld, cruise-goers. What do these…

Travel Insurance Plans: Why Name Recognition is Important

My hospital didnt recognize my travel insurance. This is one of the concerns you might…

Most Common Travel Accidents

We are surrounded by potential risks everywhere we go, but when we’re traveling, there are…

Travel Insurance – Even More Important for Business Travelers Than Other Travelers

Travel medical insurance benefits anyone traveling outside their home country, but it may be the…

How Group Travel Insurance Helps Tour Operators and Travel Consultants

As a tour operator or travel consultant planning leisure trips for groups of vacationers, there…


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.