General Information

Can I Buy Travel Insurance if I’m Already Traveling?

Can I Buy Travel Insurance if I’m Already Traveling?

Last Updated:

Many travelers wonder when the best time is to buy travel insurance, and often put off buying until the last minute. Is it better to buy it as soon as you book your trip, or can you wait until your trip is closer? And what if you forget to buy it before you leave but still want to be covered during the remainder of your trip?

Most travel insurance policies are available for you to purchase up until the day before you leave for your trip, and in general, cannot be purchased after you have already left. This is the case for the travel insurance policies available through Squaremouth.

However, some travel insurance providers do offer travel insurance policies for travelers who have already left home for their trip. In order to buy one of these policies, you must contact the provider directly. Typically, travel insurance policies become effective the day after you purchase. If you are already traveling and buy a policy today, the policy will cover you starting tomorrow and will be effective for the duration of your trip.

Are There Advantages to Buying a Policy Early?

Travel insurance is designed to cover unforeseen events. The main advantage of buying early is an extended period of coverage between your purchase date and your trip. This is because once you buy a policy, you can be covered for any covered unexpected events that occur after the date of purchase. However, if you wait and something occurs that impacts your trip, it is too late to buy coverage for that event.

For example, if you have already purchased a policy with Trip Cancellation coverage for inclement weather, and a storm develops a week before your trip that forces you to cancel, you can be reimbursed for 100% of your prepaid and non-refundable trip costs. However, if the storm is named and then you try to buy a policy, you will not be covered for the storm.