May I insure a family member joining us on our trip, but already out of the country? Published by Chris Harvey February 21, 2008 Most travel insurance policies require that insurance be purchased prior to the insured’s departure date from home and for the entire trip length. Related articles: One of the members of our family is much older than the rest of us. Does that effect the premium? What does "baggage delay" cover? What is "International Medical" travel insurance? If a hurricane watch or warning is issued that may impact my travel plans, up to what point can I still purchase travel insurance? Will travel insurance protect me if I must cancel my trip due to the death or illness of a traveling companion’s family member?