What is a Coverage Period?

A Coverage Period is the duration of time you’ll be protected by a travel insurance policy. This period is calculated using your plan’s effective date and the date your insurance contract expires.

The length of your coverage period will depend on a variety of factors, including your travel dates, the type of policy you purchased, and the date you purchased your policy. Any incidents or disruptions that happen outside of your coverage period are not eligible for reimbursement.

When Does A Coverage Period Begin?

Your coverage period will begin on your policy’s effective date. This date can vary based on the type of travel insurance policy you purchased:

  • Comprehensive: Your coverage period will begin at 12:00 A.M. on the day after your purchase date
  • Travel Medical: Your coverage period will begin at 12:00 A.M. on your trip’s departure date
  • Annual: Your coverage period will typically begin at 12:00 A.M. on the departure date of your first scheduled trip

When Does A Coverage Period End?

A coverage period ends when the insurance contract with your provider expires. In most cases, this will be the same as your return date. If, however, you purchased an annual policy, your coverage period will end exactly 12 months after your plan’s effective date.

How To Make A Change During The Coverage Period

There are a wide range of reasons why you may need to adjust your coverage period. If you need to make changes to your plan, it’s important to contact your travel insurance provider as soon as possible to discuss your options.

  • Pre-Departure: It’s much easier to adjust your coverage period before you depart for your trip. If your travel dates have changed, your provider will likely be able to modify your policy to accommodate your new itinerary. If you are increasing your coverage period by lengthening your trip, you may be charged additional fees in exchange for longer trip protection. Decreasing your coverage period by making your trip shorter may result in a prorated refund.
  • While Traveling: Modifying your coverage period while traveling, typically by changing your return date, can be complicated. Some travel insurance providers may be able to extend your coverage if reasons beyond your control prevent you from returning home as scheduled. If you’re unable to extend your coverage period, you may be able to purchase an additional policy that will cover you for the remainder of your trip once your original plan expires.
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