Effective Date for a Travel Insurance Plan

In the simplest terms: the start date for travel insurance coverage.

The day your policy goes into effect is what travel insurance companies (and us!) refer to as the Effective Date. This date will vary based on the dates of your insured trip and the type of plan you purchased.

Comprehensive Plan

These plans offer all inclusive coverage, from trip cancellation to medical evacuation. Because of this, the effective date of the plan will be one minute after midnight the day after you bought the plan.

If you purchased your travel insurance on April 26th at 4:13pm, your plan will go into effect on April 27th at 12:01am. This will allow you to utilize your trip cancellation coverage if needed.

The remaining benefits, or post-departure benefits, included in your plan will not be available for use until you actually leave on your trip.

Travel Medical Plan, Medical Evacuation Plan or Accidental Death Plan

None of these plans have trip cancellation coverage, therefore they will not go into effect until the day of departure for your trip. If you purchased a plan on April 26th for a trip beginning on May 15th , your coverage will commence on May 15th .

Multi-Trip Plans

The effective date for multi-trip insurance plans typically coincide with the departure date of the first scheduled trip the plan includes. This can vary by company, so we recommend clarifying this with the insurance company you choose.

Still a little confused? You can clarify this date one of two ways. First, you can double check with the insurance company you chose. Or, you can read the plan information that InsureMyTrip sends out post-purchase; it will be in that documentation.

Written by on 4/28/15.
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Question:


How close to the departure date can we get a policy with cancellation?
David,
12/10/2013

Answer:


You can purchase a policy at least 24 hours before departure. However, we do not recommend that. As soon as you put any money down towards your trip you can purchase a comprehensive policy. Once you purchase a policy it will go into affect the next day for trip cancellation up till your departure date.
MattM,
Customer Care insureMyTrip
12/10/2013
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Responses

How can you know how many nonrefundable expenses you'll incur for a trip until you make ALL of the reservations -- not just the airfare? (In my case, I'll have airfare, lodging, train fares, a rental car or two, etc. At this point, I have the airfare but don't know the grand total of nonrefundable expenses because I haven't made all the reservations yet.) Isn't the price of a trip insurance policy based on that total?
Linda,
03/05/2014
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It is, but you can add expenses to the trip insurance as you go. So if you need a benefit that is time sensitive or want to get protection in place as soon as possible, you can purchase for what you have paid thus far and then contact us to add other expenses on as you pay them.
David M.,
Customer Care insureMyTrip
03/05/2014
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