TRAVEL\nINSURANCE<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t Updated 3\/4\/20<\/strong><\/span><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t Dear H+A:\u00a0\u00a0<\/span><\/strong><\/em><\/p> I just put down a deposit on a European river cruise (with airfare included) worth a total of $9,500 for this coming summer.\u00a0 I have no reason to think that we\u2019d need to cancel the trip other than heightened fear about the coronavirus, which is now starting to spread outside of China.\u00a0 I wonder if I really need additional travel insurance (and, if so, see the attached cruise line\u2019s policy) or if my credit card and employer-provided health insurance are enough.\u00a0<\/strong><\/em><\/p> Can you give me any quick tips as to what my considerations should be to make this decision?\u00a0 If I cancel my trip tonight, I will only be out $200 and able to wait out the potential coronavirus pandemic<\/a>.\u00a0 Otherwise, I need to pay for my trip and make a decision about whether to buy insurance this week.<\/strong><\/em><\/p> Thanks for your help!<\/strong><\/em><\/p> Scott<\/strong><\/em><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t Dear Scott: <\/b>\u00a0<\/b><\/p> Thanks for your question!\u00a0 We know how confusing travel insurance policy options can be, especially when you\u2019re in a hurry to make a decision, and hope our research below can help.<\/span><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t First, you are correct that making the decision to purchase travel insurance should be made soon after making your initial trip deposit.\u00a0\u00a0<\/span><\/p> According to our research, the best time to consider purchasing travel insurance is at the time of making your deposit or <\/span>within 14 to 21 days<\/span><\/a> thereafter because (1) some policies allow pre-existing medical conditions if you purchase your travel insurance within <\/span>7 to <\/span>14 days<\/span><\/a> (depending on the policy) of the initial trip deposit, (2) some policies provide financial default coverage only if purchased within <\/span>10 to 21 days<\/span><\/a> after the initial trip deposit date, (3) some policies only cover losses due to events occurring <\/span>after the policy is purchased<\/span><\/a>, and (4) some policies allow for a cancel-for-any-reason upgrade if purchased upgrade within <\/span>7 to 21 days<\/span><\/a> of making the initial trip deposit.\u00a0\u00a0<\/span><\/p> Note that your cruise line\u2019s plan is available if purchased 120 days or more before your departure (or at the time of your initial payment if less than 120 days) and covers pre-existing conditions if purchased within 14 days of your initial payment.\u00a0\u00a0\u00a0<\/span><\/p> \u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\tWhen Should I Buy Travel Insurance or Cancel My Trip?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
1.<\/b> Make a Decision on Purchasing Travel Insurance Promptly Before The Deadlines Expire<\/b><\/h2>
2.<\/b> Protect Your Savings By Getting Coverage for Massive Unanticipated Costs<\/b><\/h2>
![\"\"](\"https:\/\/i0.wp.com\/handaathomeandaway.com\/wp-content\/uploads\/2020\/03\/HA-Insurance-Graphic2.png?fit=768%2C593&ssl=1\")
\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t