Can I Buy Travel Insurance After The Departure From India?

You have planned everything for your big vacation that leaves in two weeks, but you suddenly remember you still need to purchase a travel insurance coverage*. Is it possible to purchase?

The quick response is: There’s still time! Yes, you can purchase travel insurance after making your reservation. However, buying insurance as early as possible is usually recommended.

Advantages of purchasing travel insurance right away:-

1.     You have a longer cancellation window for the trip

Can you purchase travel cancellation insurance after making your reservation? Absolutely, as long as the company receives your premium payment before you cancel your trip or file a claim. Trip cancellation coverage starts on the day your policy becomes effective.

As a result, if you purchase trip cancellation insurance, you are covered if your trip is cancelled for a covered reason between the date of purchase and the departure date.

2.     You can’t cancel a trip for a foreseeable reason

A traveller is protected by travel insurance against specific unanticipated circumstances, not foreseeable events. A foreseeable event is a result that a sane person would anticipate happening under similar conditions.

For instance, a storm or hurricane is regarded as a predictable occurrence with a known potential to influence your travel. You would not be eligible for a travel claim from storm-related losses if you buy travel insurance after the warning has been issued.

3.     For pre-existing medical conditions to be covered, you must purchase your plan within 14 days of making your initial trip deposit

Many travel insurance policies offer the existing medical condition benefit. This implies that you, a companion, or a relative can have a current medical condition and remain qualified for all available aid and benefits.

Nevertheless, depending on the policy you select, you may need to fulfil certain requirements to qualify for this benefit. One of the requirements is that you must purchase a travel insurance policy within 14 days of completing your initial trip payment.

4.     Your policy choices may be limited if you wait until the last minute

Before your departure date, you can buy travel insurance at any moment. If you wait until the last minute, though, your options for a good coverage can be restricted.

You should buy a travel insurance as soon as possible after making your reservation. You could then get a policy that offers beneficial trip cancellation and interruption benefits, as well as coverage for pre-existing medical problems. Booking an online travel insurance policy immediately after finalising your trip is the smart way to ensure maximum coverage.

5.     You can avoid hassles at the rental car counter

You are hiring a vehicle to travel cross-country. Are you limited to buying the insurance available at the rental counter?

The good news is that you don’t have to choose a more expensive alternative when you book travel insurance in advance. Additionally, it prevents you from needing to use your auto insurance if something unfortunate occurs while driving because it offers primary coverage for covered collision, loss, and damage to your rental.

Conclusion

In the time between you book your trip and the moment you board the plane for your holiday, a lot may go wrong. However, by purchasing a travel insurance at the same time as your initial reservation, you are protected from any unforeseen circumstances and understand the fundamental rationale behind purchasing a travel insurance policy.

*Standard T&C Apply.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.