You’re all set to schedule your next vacation, or maybe you’ve already done so. But when is the ideal moment to get travel insurance to safeguard your vacation? The time may vary depending on your demands and circumstances, so we’ll break it down for you below.

Extra Advantages for Early Purchasers

When you acquire your comprehensive travel insurance plan within a certain time frame after placing your first trip deposit, you will often get some early purchase benefits. This applies to single trip plans that contain trip cancellation coverage as well. The most well-liked comprehensive plan offered by USI Travel Insurance Services is the Travel Insurance Select plan. When you buy this plan during the early purchase period (21 days from the date of your first trip deposit), you may be able to access the following:*

• Optional upgrade: Cancel For Any Reason (CFAR)
• Optional upgrade: Interruption For Any Reason (IFAR)
• Revocation of the Exclusion for Pre-existing Medical Conditions

There are other firms that provide similar early purchase advantages on their travel insurance products. The early purchase window may vary according on the provider and plan, but it usually opens 14–21 days following the first trip deposit.

What does this early purchasing period really mean?

Even if you’re simply making a modest deposit up front and paying the remainder of the trip cost later, you must acquire your travel insurance within 21 days of your first trip deposit if you want the early purchase advantages to be included in your plan. For instance, the day you pay the $200 hotel deposit counts as your initial trip deposit if you intend to schedule the remainder of your trip later.

In order to modify your travel insurance coverage after purchasing your plan, you must get in touch with our Customer Service department during the same early purchase period for any further trip payments (within 21 days of any additional payments). It’s crucial to keep track of your travel insurance while you organize your trip since you will forfeit all early purchase advantages if you don’t add your following trip expenses to your plan within 21 days of payment! To retain your early purchase advantages, such as CFAR coverage if chosen, you must call within 21 days of booking the ticket to raise your insured trip cost amount, for instance, if you book your flight for $1,500 after paying the $200 first hotel deposit.

What happens if the early purchase window has already passed?

It’s always crucial to acquire your travel insurance coverage as soon as possible, even if the early purchase period has passed since you made your first trip deposit. Your plan becomes operative the day after purchase, and you may start taking use of your Trip Cancellation benefit right away. Should a covered event arise and you have to cancel your trip, you may be eligible for reimbursement.

Make sure to purchase the plan far in advance of any potential storm if you’re worried about how hurricanes or other weather conditions may affect your trip. If you purchase your plan after a hurricane, blizzard, or other storm is designated as such, you will no longer be covered for that storm since it will be deemed “foreseen.”

Additionally, bear in mind that you may often purchase your plan up to the day of departure if you’re not the kind to prepare ahead.