Most travel insurance policies include a comprehensive package of benefits, and benefits typically cannot be added or removed. However, there are some policy that have optional benefit upgrades that can be added to your policy. Depending on the benefit, this may result in an additional premium.
This includes Cancel For Any Reason and Pre-Existing Condition coverage, among others. These benefits may be time-sensitive and require you purchase within 14-21 days of your initial booking date, or may be available to purchase up until the day before your departure.
While certain benefits may be added, unfortunately you are not able to remove benefits from a travel insurance policy to make is less expensive.
In general, the only benefit that can be regularly added or removed is Trip Cancellation. You have the option to insure a trip cost. If you do, this will be covered within the Trip Cancellation benefit. If you do not, your policy likely won’t include Trip Cancellation.
However, once a traveler decides to insure a trip cost, they are only eligible to remove this benefit within their Money Back Guarantee period.