## Don’t Wait Until You’re at the Airport: The When and Why of Travel Insurance
Planning a trip is exciting! You’re dreaming of sun-drenched beaches, exploring ancient ruins, or skiing down pristine slopes. The last thing you want to think about is… well, things going wrong. But that’s precisely why travel insurance needs to be on your radar, and critically, why you need to buy it **early** in the planning process.
So, when is the right time to snag that policy? **Ideally, as soon as you book your flights and accommodation.** This is crucial for a few key reasons:
* **Pre-Trip Cancellation Coverage:** Imagine booking a dream vacation six months in advance, only to have a family emergency pop up a week before departure. If you’ve waited until the last minute to get insurance, you likely won’t be covered for cancellation related to this unexpected event. Buying early ensures you’re protected against unforeseen circumstances that might force you to cancel your trip *before* it even begins.
* **Existing Medical Conditions:** Some travel insurance policies may have waiting periods or require documentation for pre-existing medical conditions. Purchasing your policy sooner rather than later gives you ample time to address these requirements and ensure you’re fully covered.
* **Maximizing Coverage Benefits:** Early purchase allows you to take full advantage of all the benefits offered. Some policies include coverage for lost luggage or delays that can occur well before you actually leave home.
Think of travel insurance as an investment in peace of mind. While you hope you’ll never need to use it, knowing you have a safety net in place can significantly reduce stress and financial risk. Don’t leave it until the last minute; protect your trip from the get-go and enjoy your travels with confidence!