What dates to enter when purchasing travel insurance?
I'm getting quotes on travel insurance, specifically a one-way trip from Estonia to Australia (as we're moving there), and am a bit confused by what dates I should enter for the 'dates of cover'...
The obvious answer would be the travel dates (e.g. 1st Mar 2020 - 3rd Mar 2020), but would we still be covered if something happened before March and we had to cancel the trip?
Or should I enter dates like 20th Nov 2019 - 3rd Mar 2020 to cover everything from when we purchase the insurance until we arrive in Australia?
Best Answer
So I found this FAQ on https://www.travelinsuranz.com.au/page/FAQs:
What dates should I enter when getting a quote?
Your policy start date is the date that you leave your home in Australia. You will be covered under the cancellation section of your travel insurance from the moment you buy your policy until the date you leave Australia.
The end date is the date that you arrive back to your home in Australia or your nominated expiry date whichever is the sooner.
That seems to answer my question (i.e. enter the dates of travel (e.g. 1st Mar 2020 - 3rd Mar 2020), and you're still covered for cancellation from the date of purchase). I assume the same is true of other insurance companies.
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What date do I put on my travel insurance?
When it comes to choosing the start date for your annual policy, the best approach would be to have the policy start on the same day you book your travel arrangements for your first holiday of the year, which would mean you should be covered if you had to cancel that trip before the date of travel.Does travel insurance cover change of dates?
Yes, you can adjust travel dates for most travel insurance plans. If the policy has not yet gone into effect, you can change the date without any administration fees and may also be able to receive a prorated refund. If the policy has already gone into effect, there may be a fee for early termination or date changes.Does travel insurance have a time limit?
\u201cTypically, it ranges from 20 to 90 days from the date the covered loss occurs, although some plans don't list a time limit at all,\u201d says Jason Schreier, chief executive officer of GoReady Insurance. \u201cHowever, what is consistent is that all plans typically have the caveat of 'or as soon as is reasonably possible.Travel Insurance Tips: 7 Things to Know Before You Buy
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Answer 2
Your travel is apt to begin in the departure date, but if you are delayed en route, it could end a day or two later. I'd choose a insurance end date a day or three after your planned arrival.
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