When to Buy Travel Insurance
We tell travelers the sooner they purchase travel insurance, the better off they’ll be. You can purchase travel insurance up until the day before departure. But the best time to purchase coverage is immediately after you make that first payment on your trip.
Here’s why. When it comes to travel insurance, only unforeseen events are covered. For example, if a hurricane is already starting to form in your area of travel, it’s too late to get insurance for that storm.
Also, to be eligible for pre-existing conditions waiver, which yes, will enable the policy to cover pre-existing conditions, you need to purchase the policy within 7-30 days of your initial trip deposit.
Just remember, if you buy early, you’ll be better protected.