You can purchase a policy up to the day before you travel. However we recommend that you purchase the insurance as soon as possible. Purchasing early will prevent situations where something can happen before you buy your insurance which will not be covered.
To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of making your initial trip payment. If the insurance is purchased within the 7 - 21 day period may you receive two significant enhancements (varies by company and plan) to the policy.
Please note that most companies count the day you make the first trip payment as day one and not the day when the check is cashed.
A detailed guide explaining the best time to buy travel insurance, including how early purchase can help travelers qualify for benefits such as pre-existing condition waivers and financial protection.
The First Trip Payment Date is the date that you first made a payment for the trip you want to insure. This is the date the check is written not the date it is cashed.
To determine the insurable cost of the trip, add together the cost of all of your non-refundable pre-paid trip arrangements.
Coverage begins at 12:01AM the day after you purchase a policy.
The easiest and the best way to buy travel insurance is online through a trusted comparison marketplace like American Visitor Insurance. We offer online best trip cancellation insurance comparison tools that allow you to review multiple plans, compare benefits, coverage limits, and prices, and choose the policy that best fits your travel needs.
Add up all prepaid, non-refundable trip costs such as flights, hotels, tours, and deposits, then divide the total by the number of travelers. Each traveler should insure their individual share of the trip cost. For example, if a family of four has $8,000 in non-refundable bookings, each person would insure $2,000. Do not include fully refundable expenses, since they carry no financial risk and generally do not need a tip cancellation coverage.
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