Should I use my age at the time of travel when purchasing travel insurance? Published by Chris Harvey September 22, 2008 Most all travel insurance policies use your age at the time of purchase to determine the premium. 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? My travel insurance policy excludes hazardous sports? What is considered a hazardous sport? I have already departed from my primary place of residence. May I purchase cancellation insurance for a return trip home?