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: Can I get live assistance with a quote or purchase? Are there medical conditions that are not covered by travel insurance? Should I consider extending my return date to accomodate any unforseen delays in my return home? What other coverage is typically included in an AIG Travel Guard travel insurance plan? What is covered under the "Cancel for Work Reasons" benefit?