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Can I Still Buy Insurance If My Trip Is Soon?

Yes, you can usually buy travel insurance even if your departure is right around the corner. The key is knowing the deadlines for each type of coverage.

⏰ General Rule

You can purchase most travel insurance up until the day before your departure date.

  • Example: If your trip starts October 1, you can still buy insurance on September 30.

  • Once you depart, you can no longer purchase coverage that includes trip cancellation.

🩺 Medical-Only Coverage

If you only need emergency medical and evacuation benefits:

  • You can purchase medical-only plans even after you’ve departed.

  • This option works well for travelers who forgot to insure their trip cost but still want protection abroad.

 

❌ Cancellation Coverage

If you want your trip cost protected, timing matters:

  • You must buy before you leave home.

  • Insurance only reimburses non-refundable, prepaid expenses if purchased in advance.

 

⚠️ Special Time-Sensitive Benefits

Some benefits have stricter windows:

  • Pre-Existing Condition Waiver: Must buy within 20 days of your first trip deposit (varies by plan).

  • Cancel For Any Reason (CFAR): Must be purchased within 21 days of your first trip deposit.

Miss those deadlines? You can still buy insurance, but those optional benefits won’t apply.

 

🛡️ Bottom Line

  • Last-minute? You can still get coverage right up to the day before departure.

  • Already on your trip? Medical-only plans may still be available.

  • Want CFAR or pre-existing condition coverage? Purchase within the 20–21 day window from your initial deposit.

👉 If you’re not sure what fits your situation, fill out the right quote form and our team will confirm the best options.

 

⚖️ Disclaimer

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.