You’ve planned everything for your big trip that leaves in two weeks, but you suddenly remember you didn’t buy travel insurance from India. Oh no! Is there still time?
The quick response is: There’s still time! Yes, you can purchase travel insurance after making your reservation. However, it’s always preferable to buy travel insurance online as early as possible in the process. You might lose out on some advantages if you put off doing something. We’ll explain why below.
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5 Reasons to buy travel insurance immediately after booking
1. The duration of your coverage period for trip cancellation compensation is extended.
To safeguard your future culinary tour of southern Italy, you are aware that you need to purchase flight travel insurance with trip cancellation benefits. You’ve spent a lot of money on it, and you don’t want to lose it. But you keep postponing it. Then, a week before you depart, someone rear-ends your wife’s car, leaving her with a crippling back injury. Your vacation must be delayed, but it’s too late to purchase travel cancellation insurance.
Can you purchase travel insurance after making your reservation? Absolutely. As long as we receive your premium payment before you cancel your trip or file a claim, trip cancellation coverage starts on the day your plan becomes effective.
2. You can’t cancel a trip due to foreseeable reasons.
A traveller is protected by travel insurance against specific unanticipated circumstances, not foreseeable events. Why does that matter? 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 having a known potential to influence your travel after the National Weather Service issues a warning for it.
3. Pre-existing medical issues must be covered for the duration of the plan, which must be purchased within 14 days after the initial trip payment.
A sickness or injury that you, a travelling companion, or a family member were pursuing or receiving treatment for, or had developed symptoms of on the day you bought your plan or at any time in the 120 days before purchasing it, is deemed to be an “existing medical condition” by definition.
Nevertheless, depending on the travel insurance in India plan you select, you may need to fulfil certain requirements in order to be qualified for this benefit. The following are some typical circumstances you can encounter (but always double-check your strategy for details!)
4. If you wait until the last minute, your options for a strategy can be restricted.
Before your departure date, you can buy travel insurance at any moment. If you wait until the last minute, though, your options for a strategy can be restricted. You should acquire flight travel insurance as soon as you can after making your reservation if you want a plan that offers trip cancellation and trip interruption benefits, as well as travel insurance cover for pre-existing medical problems.
5. You can avoid hassles at the rental car counter.
You are hiring a vehicle to travel cross-country. You’ve been meaning to look into alternative possibilities because you’ve heard the insurance options at the rental counter might be pricey, but you’ve been too preoccupied with planning your trip to complete your homework.
You don’t have to choose a more expensive alternative because it might be significantly less expensive than what you receive at many rental counters.
Additionally, it prevents you from needing to use your personal auto insurance if something unfortunate occurs while you’re driving because it offers primary travel insurance cover for covered collision, loss, and damage to your rental.
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