Can I Add Travel Insurance After Booking?

Shawn Plummer

CEO, The Annuity Expert

Can I Add Travel Insurance After Booking?

Yes, you can add travel insurance after booking a trip.

Key Points to Know:

  • Time Frame for Purchase: Generally, you can buy travel insurance up to the day before your trip starts. However, earlier is better, especially for certain benefits.
  • Pre-Existing Conditions: If you want coverage for pre-existing medical conditions, purchase insurance within a set period after making your initial trip deposit (often 14-21 days).
  • Cancel for Any Reason (CFAR) Coverage: To get CFAR coverage, you usually need to buy the policy within 14-21 days of your first trip payment.
  • Cost and Coverage: The cost of travel insurance depends on the trip cost, duration, destination, and your age. Coverage can include trip cancellation, medical emergencies, travel delays, and lost luggage.

Travel Insurance Breakdown

Insurance Purchase TimeAvailable BenefitsIdeal For
Within 14-21 days of bookingCFAR, Pre-existing condition coverageThose with health concerns, seeking flexibility
After 21 days but before tripBasic coverage (Trip cancellation, medical, luggage)Last-minute decision-makers
Up to day before tripLimited benefits, higher premiumsEmergency or overlooked insurance needs

Conclusion

Purchasing travel insurance after booking is possible and practical, but timing affects available benefits. For comprehensive coverage, buy early. If you realize late that you need insurance, there are still options available. Remember, travel insurance can be a safety net for unexpected trip challenges. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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