When will my travel insurance coverage become effective? Published by Chris Harvey October 5, 2007 Cancellation coverage generally begins at 12:01 AM the day after you purchase a travel insurance policy. Most other benefits are effective on your departure date. 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? 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?