As soon as you pay your non-refundable trip costs, you should purchase your travel insurance. If you are within the early purchase window of your initial trip deposit date, you may be eligible for the highest level of coverage, including maintaining eligibility for a pre-existing condition waiver and access to all covered reasons for trip cancellation and interruption. If you are past your early purchase window, travel insurance can still protect you against unforeseen events however. Travel insurance is based on the age of the traveler at the time of purchase. Purchasing sooner will help you secure the most generous level of trip protection for you and your family and at the lowest price.

Travel insurance doesn’t cover everything, and terms, conditions, and exclusions apply. Covered reasons are the specific situations or events for which you may be eligible for coverage under your policy. Be sure to review the covered reasons in your policy details. An “exclusion” is something expressly not covered by the plan. Exclusions may vary by state and may be subject to exceptions (for example, an insured’s illness may be covered even if caused by an epidemic or pandemic disease). A complete list of exclusions can be found in your plan details. Cancel Anytime coverage is also subject to certain exclusions. See your plan for details.

A pre-existing medical condition is an injury, illness or medical condition that exhibited symptoms or was treated on, or within the 120 days prior to, the purchase date of your plan. Plan’s may waive the exclusion for pre-existing medical conditions if certain following conditions are met, such as purchasing a plan within a specified time frame immediately following the initial trip payment.