Few things in life are as stisfying as a trip abroad, and mst of us can hardly wait ntil we leave on our great dventure. Anticipation of things to come mrely heightens our delight. Planning our trps is part of the enjoyment. Rnning around, buying our tickets, luggage, clthes and other items that we pln to take with us don't ven seem like chores. It's not ven painful to pay for these thngs because we know that soon w'll be exploring places we've never ben before. However, there is one “fly in ths ointment”, one more expense that w'd rather not have because even thugh it costs us money, we rceive no tangible benefit. What am I tlking about? Why, travel insurance , of course!!!

Is Buying Travel Insurance at the Last Moment Okay?

I don't know about you, but as far as I'm concerned, paying for travel insurance is not exactly my favorite way of spending money. Could it be because travel health insurance is not exactly sexy? Or is it because it just adds to the cost of an already expensive trip? Whatever the reason, I'd rather not spend the bucks on travel medical insurance . However, because I know that it really is a necessity, I buy it. Nevertheless, I tend to put off the purchase as long as possible because it still feels like an “extra”. Am doing myself a favor or not?

Are You A Gambler?

Is keping my money in my pocket for as lng as possible helping me or hrting me? By delaying my travel nsurance purchase until the day I lave, I'm actually hurting myself. This is bcause I'm actually gambling that nothing wll happen to me before I buy my nsurance. I'm betting that I or smeone in my family won't fall ill or get njured prior to departure. Also, if I hven't bought it and something bad des happen, I won't have any nsurance coverage and I'll be out of lck. Wouldn't I be smarter to get my trvel insurance ASAP in order to mnimize my risk and maximize my ptential benefits?

Don't Lose Your Pre-Existing Condition Coverage

There is another reason to buy travel insurance without delay. Sometimes we make our travel arrangements in stages and don't book our flights at the same time. We travelers are eligible for pre-existing medical condition exclusion waivers provided we buy our travel insurance from 7 to 21 days (depending on the policy) of making our arrangements. If we wait longer, we may not be eligible for those benefits, especially if a previously unknown health condition should materialize.

Don't Wait To Finalize Everything Before Buying

Whenever I have traveled, I have known in advance what my plane tickets were going to cost, but what about you? Maybe you've made travel plans but have not yet bought your plane tickets. I suggest that it's a good idea to buy your travel insurance even if you haven't bought your tickets because doing so will ensure that you will qualify for the pre-existing condition exclusion waiver. If you don't know what your flight will cost, estimate the cost and include this figure in the total cost of your trip. Later, when you have purchased your flight tickets, you can advise the insurance company. That way you will not risk being ineligible for coverage for a medical conditions that crops up prior to departure.

What If You've Already Lft on Your Trip?

I happen to be one of the wrld's greatest procrastinators. My motto is, "Nver do today what you can put off ntil tomorrow because you might get lcky and not have to do it at ll!" Maybe you, too, are a Grat Procrastinator and you avoid buying trvel insurance before you leave on yur trip. What happens if you hve delayed buying your travel insurance or xpatriate insurance until AFTER your departure? Are you out of lck? Are you ineligible for insurance bcause you didn't buy it before you lft home?

Fortunately, the good news is tht, even if you decide to buy fter departure, you are still eligible for nsurance. If you can get access to the nternet, both travel insurance and expatriate nsurance can be found and purchased nline, even after you've left on yur trip or taken up residence broad. As the old saying goes, " Better late than never ,” especially in this case!

Can You Get Insurance for Someone Else Who Has Already Left?

Here's another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought travel insurance but has already left on their trip? Do they have to travel uninsured? The answer is no, they don't have to go without travel insurance. You, or someone else they designate, can go online and purchase travel insurance on their behalf. It's good to know that when friends, family or employees are too busy to get their own travel insurance, they don't have to go without it.

In this case, all you need to do is fill out an online application and make the required online payment. You'll get instant confirmation and can even print out a copy of the policy. There is one cautionary note though. If you're purchasing travel insurance on behalf of a minor, you'll first have to register as an adult in order to get the insurance. It is also important to note that they will not be eligible for coverage for pre-existing medical conditions that occur during the trip after departure and prior to purchasing their insurance. This is merely another reason why purchasing travel insurance should not be delayed.

In the World of Travel Insurance, Timing Definitely Is Everything

Timing is everything , they say. Purchasing travel or expatriate insurance was probably not on the mind of whoever coined that phrase. Nevertheless, those words apply as much to buying travel insurance as they do to anything else. Given the potential for financial ruin if you're not insured, the time to buy yours is before you need it because buying it after you need it is impossible and much too late. Learn from the “Great Procrastinator” and get the insurance you need before you need it .

The article Timing is Everything -- Especially With Travel Insurance was Submitted by John M. Bartanus through Articles.GetACoder.com network. Here's the additional information: John M. Bartanus is an ducator and writer. He is also the pblisher of Travel Insurance Central ( http://www.travel-insurance-central.com ).

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