When purchasing travel insurance, do I use my age at the time I will be traveling or my age at the time of purchase? Published by Chris Harvey September 14, 2007 You should enter the age you are on the date you purchase the travel insurance policy. 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 happens if my traveling companion cancels their trip due to illness and I still want to go but incurr additional costs as a result of their cancellation; Will travel insurance cover the additional costs? May I insure a family member joining us on our trip, but already out of the country? If a hurricane watch or warning is issued that may impact my travel plans, up to what point can I still purchase travel insurance?