Any Travel Insurance package with cancellation benefits has to be purchased for the full value of your travel arrangements. We recommend to purchase the policy at the time of initial payment.
If you have not booked the travel insurance within two days of the initial payment, you can still get travel insurance; in this case your travel insurance policy will have an endorsement stating that under no circumstances will the travel insurance policy respond to losses or claims which arose prior to the date of issue.

Yes. You can get emergency health family coverage and save money. Your children are covered when they travel together with you, or when they join you during your trip.

Due to unexpected circumstances, you might need to cancel your trip (you or a relative become sick, lose your employment, etc.)
Cancellation and Interruption insurance covers you for those risks and protects your financial investment.
It also covers you if you need to return home because of an emergency, for example: a relative becoming seriously sick at home, while you are on vacation abroad.

Yes, you can still purchase travel insurance. Your premium can be a little higher depending on your medical condition and your age.
Your premium and coverage will be determined by taking into consuderation your answers to a questionnaire.
You may not be covered for pre-existing medical conditions you have prior to your departure.

Your insurance policy includes all the terms of your Plan.
Some of these terms can limit your benefits, it's important to be familiar with your insurance policy.
Remember to take the policy with you on your trip.

Trip insurance offered by credit cards is quite limited; emergency health coverage on many cards stops at a certain duration of your trip or age, credit cards rarely cover trip cancellation. Inquire with your credit card company to verify coverage.

Group plans rarely cover cancellation insurance, travel interruption or lost luggage.
Group plans can limit the maximum coverage for emergency health expenditures.