Adding or Removing a Traveler
Last updated on 02/11/2020
Generally speaking, it's not possible to add or replace travelers on an existing policy, so if you've bought your coverage and still have other traveling companions who need insurance they're going to need to purchase their own policy. In most cases, they will still be considered your traveling companions as long as they share travel arrangements with you.
The reasoning behind this is that most policy information (such as eligibility for a waiver of pre-existing conditions, or being considered fit to travel as of purchasing the policy) is based upon the day when the policy was first purchased. Changing travelers after the policy is already in effect can lead to problems if a claim should arise.
This leads to another point. Most policies will have regulations regarding who can be insured under one policy. So if you do purchase a policy insuring a traveler who does not meet those requirements, you'll need to cancel the original policy and purchase a new plan to insure the appropriate travelers. Many policies offer a review period, which is a grace period of generally 10 calendar days in which travelers can review the terms of their insurance policies after purchasing. Not all policies offer this benefit, so it is best to contact our Customer Care center if you have further questions regarding who should and should not be listed on a policy.