Aug 5, 2023

Last minute travel insurance

Need Travel Insurance at the last minute? We can help.


At Travel Defend, we have access to every travel insurance policy in North America and we will find you a policy that allows you to purchase last minute travel insurance until 11:59 p.m. the day before your flight leaves, regardless of your flight time. Or even day of. Give us a call, we are here to help you.


Is buying a policy at the last-minute even allowed?

Well, can you purchase travel insurance last-minute? Yes, you can. But be aware that travel insurance is only meant for unplanned events. If you buy it last-minute because you know you are feeling ill or a big storm is approaching, that is known as a little thing called “insurance fraud” – so we’d advise you to stay away from that. However, if you are legitimately going on your trip, then yes you can buy it at the last minute if you know the correct policies to purchase that allow it.

What are the coverages you lose out on if you buy at the last moment?

Some types of insurance are not available if you buy at the last moment. If you’re interested in the following travel insurance, it is best to plan ahead.

Insurance “Cancel for Any Reason”

Cancel for any reason (CFAR) allows travelers to cancel their plans at any time and receive a partial refund of nonrefundable expenses. This plan must be purchased within two to three weeks of your initial trip deposit date (depending on the policy). Cancel for any reason policies are extremely popular due to the powerful protection they offer.

Pre-existing medical conditions 

It is important to be protected if you have pre-existing medical condition which could cause a trip to be disrupted. You will have insurance in case a medical issue arises before or during your trip.

Most insurance companies offer coverage for preexisting conditions. However, most of them require that you qualify for a waiver for preexisting medical conditions. These waivers require that you purchase your policy within a certain time period following your booking. This is usually within two or three weeks, depending on the policy.

If you did not qualify for a pre-existing medical condition waiver, you may not be covered if your medical condition requires treatment while you are traveling.

Trip cancellation

Trip cancelation coverage is most valuable when purchased soon after booking. You may not be covered for trip cancellation if you wait to buy travel insurance until the last moment.

You may also not be able use trip cancellation insurance in other situations if you delay purchasing it. Be aware, once a hurricane is named, it’s impossible to buy travel insurance to cover any loss you might incur if you have to alter your travel plans. If you break your leg before you leave, you cannot buy travel insurance to cover cancellation of your trip.

The only way to truly know which are the best policies to buy if you are at the last minute is to speak to an expert who can guide you.

At Travel Defend, our brokerage has access to every travel insurance policy in America and we are experts at all of them. Our concierge service will answer all your questions, ensure you receive the perfect policy for your precise situation, take care of all the paperwork, and most importantly, ensure you get paid if you have a problem

The best part? You never pay a penny more to work with Travel Defend. All our benefits, with no downside- the ultimate win-win.



Welcome to the Quote Optimizer

Travel Insurance Powered by Artificial Intelligence

If you’re more comfortable purchasing a policy online – our revolutionary quote optimizer is for you. Our quote optimizer uses proprietary AI to automatically search through every policy in the country and immediately provide you with the ideal policy for your situation. It weighs your state of residence, the dollar amount of the trip, destination, dates involved and travelers ages to immediately determine which would be the best policy – SPECIFICALLY for you.


Travel insurance does a number of things. It can protect the trip cost, as well as provide medical coverage on the trip, trip delay, baggage delay, baggage loss and a number of other important coverages.

Any time you leave the country, travel insurance is a must. This would apply to any person of any age and on any trip. Traveling to a foreign country with no medical coverage can be a life altering devastating experience. The cost of travel insurance (when the trip cost is low) is typically very cheap but critical. Medicare and many US based health insurance plans will not provide adequate medical coverage while traveling outside of the U.S.

The Final Word

If you are traveling overseas then travel insurance is a must because it has medical coverage built in. In most cases, the health insurance you may have in America, will not be of much help in a foreign country. Even if you don’t care necessarily about trip cancelation, trip delay, baggage delay, baggage loss etc- then get it just for the medical. It’s cheap and can be literally lifesaving.


We are available inmediately to assist you.

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This is where Travel Defend steps in.

We are your Travel Insurance Experts.

We have access to every policy in America and will ensure you are protected with the best policy for your specific situation.

Our brokerage provides a personalized, one on one concierge service that is immediately ready to assist. We don’t just send you to a link to figure it out for yourself – we are here to answer all your questions, guide you to the best policies for your precise situation and we will even do all the paperwork for your.

We are available inmediately to assist you.

Since we bring thousands and thousands of policies to the insurance companies – they take care of our people.

Give us a call at


We are the ultimate win-win.

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