If you’ve ever planned an international trip, you’ve probably wondered:  “Should I buy travel insurance right before I leave, or now?” It’s a simple question, but an important one. The Short Answer: You can buy your travel insurance anytime before your trip begins.  Your premium is calculated based on: The start and end dates  of your travel Your destination Your age The coverage amount  you choose Even if you purchase your policy a month in advance, the cost won’t increase