To maximize your protection, industry experts recommend buying insurance within of making your first trip payment (such as your airfare or cruise deposit). Missing this window typically disqualifies you from the following premium protections:

If you have already missed the initial two-week window, you can still secure "post-departure" and standard cancellation benefits up until . These typically include:

: This optional upgrade lets you cancel for non-covered reasons (like a sudden change of plans) and recoup 50%–75% of costs. It almost always requires early purchase.