Planning a trip? You’ve probably considered travel insurance—but when is the right time to buy it?
Purchasing at the right moment can mean the difference between full coverage and missed protection. Here’s what you need to know.
When Is the Best Time to Buy Travel Insurance?
The ideal time to purchase travel insurance is right before booking your trip. Doing so ensures you’re covered for unexpected events like trip cancellations, medical emergencies, or airline disruptions before your departure.
Many policies offer extra benefits, like cancel for any reason (CFAR) coverage, but only if purchased within a specific window—often within 14-21 days of your initial deposit.
Can You Buy Travel Insurance After Booking Your Trip?
Yes, you can still buy travel insurance after booking, but coverage options may be limited. If you wait too long, you might lose access to pre-departure benefits like trip cancellation or interruption coverage.
However, policies covering medical emergencies, baggage loss, and trip delays can usually be purchased up until the day before departure.
Is It Ever Too Late to Get Travel Insurance?
While some policies allow last-minute purchases, it’s too late to buy travel insurance once an issue arises. If you’ve already fallen ill, experienced a flight cancellation, or lost luggage, you can’t retroactively purchase coverage.
Additionally, waiting until the last minute may limit your options for pre-existing condition waivers or add-ons like cancel for any reason.
Factors to Consider When Timing Your Travel Insurance Purchase
To make the most of your coverage, consider:
✅ Pre-existing Condition Coverage – Buy early if you need this benefit, as many policies require purchase within a set timeframe.
✅ Hurricane & Natural Disaster Protection – Once a storm is named, it’s too late to get coverage for trip disruptions caused by that event.
✅ Trip Cost & Non-Refundable Expenses – If you’ve paid a large deposit, purchasing insurance early protects your investment.
✅ Visa Requirements – Some destinations require travel insurance, so plan ahead to meet entry requirements.
Timing Travel Insurance for Maximum Protection
For full protection, buy travel insurance as soon as you book your trip. While you can still get coverage later, early purchase ensures access to the most benefits, including trip cancellation, pre-existing condition waivers, and CFAR coverage.
Don’t wait until it’s too late—secure your trip today: https://ipg.sg/travel
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Still unsure about the right time to purchase? Let’s chat! We can help you find the best travel insurance plan for your next adventure: https://ipg.sg/travel