While you can wait, buying insurance as soon as possible after your first trip deposit is generally recommended for the following reasons:
If you missed the checkbox during your airline checkout, you have several options:
: To qualify for high-value add-ons like "Cancel For Any Reason" (CFAR) or pre-existing medical condition waivers , you usually must purchase the insurance within 14 to 21 days of your initial trip payment.
Can I Buy Travel Insurance After Booking? | Allianz Partners
Yes, you can absolutely buy travel insurance after you have already booked your flights. Most providers allow you to purchase a policy up until the day before you depart. Why Timing Matters
: Insurance only covers "unforeseen" events. If you wait until a major storm is already named or a strike is announced, you can no longer get coverage for disruptions related to that specific event. How to Buy After Booking