Royal Caribbean Insurance: Peace of Mind for Your Caribbean Getaway – apklas.com

Royal Caribbean Insurance: Peace of Mind for Your Caribbean Getaway

In the vibrant realm of maritime travel, Royal Caribbean International stands as a beacon of unparalleled luxury and adventure. Renowned for its awe-inspiring fleet of cruise ships that traverse the globe, the company’s unwavering commitment to guest safety and well-being extends to its comprehensive insurance policies. Tailored to meet the diverse needs of discerning travelers, Royal Caribbean’s insurance options empower passengers to embark on their journeys with confidence, knowing that they are protected against unforeseen circumstances.

From comprehensive medical coverage to trip cancellation and interruption protection, Royal Caribbean’s insurance policies provide peace of mind and financial safeguards. Travelers can choose from a range of plans that align with their specific requirements and budget. By selecting the appropriate coverage, guests can enjoy their vacation experiences without the worry of unexpected expenses or disruptions. Royal Caribbean’s insurance partners, industry leaders known for their reliability and expertise, ensure that claims are processed swiftly and efficiently.

Moreover, Royal Caribbean’s insurance offerings seamlessly complement its exceptional services. The company’s experienced and dedicated staff is available to provide personalized guidance and support throughout the insurance selection process. Passengers can rest assured that they are receiving the most suitable coverage for their unique needs. As a result, travelers can focus on creating lasting memories aboard Royal Caribbean’s magnificent ships, knowing that they are well-protected against unforeseen events.

Navigating Royal Caribbean Insurance Options

Royal Caribbean offers a range of insurance policies to protect its passengers and their belongings during their cruise vacation. Understanding these options can help you make informed decisions about the coverage that’s right for you.

Deciphering Travel Protection Plans

Royal Caribbean offers three levels of travel protection plans:

CruiseCare

  • Benefits:
    • Trip cancellation and interruption coverage up to $10,000
    • Medical and dental expenses up to $100,000
    • Emergency medical evacuation and transportation up to $250,000
    • Baggage and personal effects coverage up to $2,500
    • Missed connection protection up to $500
    • Trip delay coverage up to $500
    • Travel assistance services

CruiseCare Plus

  • Additional benefits over CruiseCare:
    • Rental car damage protection up to $25,000
    • Identity theft protection for $100,000
    • Accidental death and dismemberment coverage up to $25,000

CruiseCare Premium

  • Additional benefits over CruiseCare Plus:
    • Trip cancellation and interruption coverage up to $15,000
    • Medical and dental expenses up to $150,000
    • Emergency medical evacuation and transportation up to $500,000
    • Baggage and personal effects coverage up to $5,000
    • Travel assistance services with concierge level support

Comparing Plans at a Glance

Feature CruiseCare CruiseCare Plus CruiseCare Premium
Trip cancellation and interruption coverage $10,000 $10,000 $15,000
Medical and dental expenses $100,000 $100,000 $150,000
Emergency medical evacuation and transportation $250,000 $250,000 $500,000
Baggage and personal effects coverage $2,500 $2,500 $5,000
Rental car damage protection Not included $25,000 $25,000
Identity theft protection Not included $100,000 $100,000
Accidental death and dismemberment coverage Not included $25,000 $25,000
Concierge level support Not included Not included Included

Determining What’s Best for You

The right travel protection plan for you depends on your specific needs and circumstances. Consider the following factors:

  • Destination: Some destinations require additional coverage, such as medical evacuation from remote locations.
  • Duration of trip: Longer trips may warrant more coverage.
  • Age and health: Older passengers or those with pre-existing medical conditions may require more comprehensive coverage.
  • Value of belongings: If you’re carrying expensive jewelry or electronics, you may want higher baggage coverage limits.
  • Budget: Compare the cost of each plan to your budget.

Additional Insurance Options

In addition to the travel protection plans offered by Royal Caribbean, you may also want to consider the following insurance options:

  • Trip cancellation insurance: In case you need to cancel your cruise for covered reasons, this insurance can reimburse you for prepaid expenses.
  • Baggage insurance: Provides coverage for lost, stolen, or damaged luggage.
  • Medical travel insurance: Covers medical expenses and emergency medical transportation in case of an illness or injury while traveling.

By carefully considering your insurance options, you can protect your investment and enjoy your Royal Caribbean cruise with peace of mind.

Essential Protection for Adventure and Peace of Mind

When embarking on a breathtaking adventure with Royal Caribbean, securing proper insurance can provide you with the peace of mind and essential protection you deserve. Our comprehensive insurance options offer a safety net for your trip, ensuring you can focus on creating unforgettable memories without worrying about unexpected events.

Comprehensive Coverage for a Worry-Free Journey

Our comprehensive insurance plans have been carefully designed to provide maximum protection during your cruise. These plans include coverage for a wide range of scenarios, including:

  • Trip cancellation and interruption
  • Medical expenses and emergency evacuation
  • Baggage loss and damage
  • Travel delay
  • Accidental death and dismemberment

By purchasing comprehensive insurance, you can rest assured that you are protected against unforeseen circumstances that could potentially disrupt your trip or result in significant financial losses.

Understanding Your Insurance Options

To help you make an informed decision about your insurance needs, we offer a variety of plans tailored to different risk profiles and budgets. Here is an overview of our key insurance options:

Basic Plan

The Basic Plan provides a solid foundation of coverage, including protection against trip cancellation and interruption, medical expenses, baggage loss and damage, and travel delay. This plan is ideal for those who want a budget-friendly option without compromising essential protection.

Enhanced Plan

The Enhanced Plan offers a more comprehensive level of protection compared to the Basic Plan. In addition to the coverage provided by the Basic Plan, the Enhanced Plan includes accidental death and dismemberment coverage, as well as increased limits for medical expenses and baggage loss. This plan is suitable for those seeking more robust protection for their trip.

Premium Plan

The Premium Plan is our most comprehensive insurance option, providing the ultimate peace of mind for adventurers. This plan includes all the benefits of the Enhanced Plan, plus additional coverage for lost and stolen cash, missed connections, and emergency transportation. The Premium Plan is ideal for those who want the highest level of protection possible.

To help you compare the coverage levels of our plans, here is a detailed table:

Coverage Basic Enhanced Premium
Trip cancellation and interruption
Medical expenses and emergency evacuation
Baggage loss and damage
Travel delay
Accidental death and dismemberment
Lost and stolen cash
Missed connections
Emergency transportation

Enjoy Your Adventure with Confidence

With Royal Caribbean insurance, you can embark on your adventure knowing that you are protected against unforeseen events. Our comprehensive plans provide you with the peace of mind you need to focus on creating lasting memories and making the most of your time away from home. Don’t let the fear of the unknown hold you back – secure your trip today with Royal Caribbean insurance and experience the ultimate adventure with confidence.

Planning for Medical Expenses Abroad

When embarking on an international cruise with Royal Caribbean, it’s crucial to ensure that you have adequate coverage for potential medical expenses that may arise during your trip. Here’s a comprehensive guide to help you plan for such expenses:

1. Check Your Primary Health Insurance

Most domestic health insurance plans do not provide coverage outside the United States. Verify with your provider to determine the extent of your coverage and whether it includes medical services received while cruising.

2. Purchase Travel Health Insurance

To supplement your primary health insurance, consider purchasing a dedicated travel health insurance policy. This type of insurance typically covers medical expenses, trip cancelations, lost luggage, and other travel-related incidents.

3. Compare Policies and Coverage

Research different travel health insurance providers and compare their plans carefully. Consider factors such as the coverage amount, deductible, co-pays, and exclusions. Some plans may also offer additional benefits, such as trip delay insurance or emergency evacuation coverage.

4. Consider Royal Caribbean’s Insurance Options

Royal Caribbean offers its own travel protection plan, called “CruiseCare.” This plan provides medical coverage, trip interruption protection, baggage coverage, and more. Review the plan details and determine if it aligns with your needs.

5. Read the Fine Print

Before purchasing any insurance policy, thoroughly read the terms and conditions. Pay attention to coverage limitations, exclusions, and any pre-existing condition disclosures that may affect your claim.

6. Declare Pre-Existing Conditions

If you have any pre-existing medical conditions, be sure to disclose them to your insurance provider. Failure to do so may result in denied claims or reduced benefits.

7. Carry Relevant Documents

Keep a copy of your insurance policy, ID card, and any other relevant medical documents with you during your cruise. This will facilitate claim processing in case of an emergency.

8. Contact Your Insurance Company Immediately

In the event of a medical emergency during your cruise, contact your insurance company immediately. They will provide guidance on accessing medical services and filing a claim.

9. Keep Records and Receipts

Thoroughly document all medical expenses incurred during your trip. Collect receipts, invoices, and medical records for reimbursement purposes.

10. File a Claim Promptly

After returning from your cruise, submit your insurance claim as soon as possible. Most policies have a time limit for filing claims. Be thorough in your submission and provide all necessary documentation.

11. Estimate Costs to Avoid Surprises

To avoid unexpected medical expenses abroad, research the potential costs of common medical services in your destination. This will help you determine the appropriate level of insurance coverage to purchase.

12. Consider Cruise Line Medical Centers

Royal Caribbean has medical centers on board all its ships. These centers are staffed by qualified medical professionals and can provide basic medical care for a fee. While they may not replace the need for travel health insurance, they can offer some peace of mind.

13. Be Prepared for Pharmaceutical Costs

Prescription drugs can be expensive in foreign countries. Pack enough medication to cover your entire trip and consult with your doctor about potential refills or alternatives.

14. Protect Yourself from Wireless Communication Charges

If you need to use your cell phone or Wi-Fi for medical emergencies, be aware that roaming charges can be significant. Consider activating an international data plan or purchasing a local SIM card to avoid unexpected bills.

15. Immunization and Preventive Measures

Before your cruise, consult with your doctor about necessary immunizations and preventative measures based on your destination. These steps can help reduce the risk of contracting illnesses and minimize potential medical expenses.

16. Access to Cash in Medical Emergencies

Carry a sufficient amount of cash to cover potential medical expenses, as some countries may not accept credit cards or foreign currency at all clinics.

17. Keep an Emergency Contact List

Create a list of emergency contacts, including your doctor, family members, and the US Embassy in your destination country. Keep this list in an easily accessible location.

18. Review Your Coverage Before Sailing

Prior to sailing, review your insurance policy and contact your provider with any questions. Ensure that your coverage meets your specific needs and provides you with the peace of mind you deserve while enjoying your cruise.

19. Be Aware of Insurance Exclusions

Be aware of any exclusions in your insurance policy, such as coverage for pre-existing conditions, extreme sports, or alcohol-related incidents.

20. Consider a Group Policy

If traveling with a group, consider purchasing a group travel health insurance policy. This can often result in lower premiums and broader coverage compared to individual policies.

21. Check for Cruise Line Perks

Some cruise lines, including Royal Caribbean, offer perks and discounts on travel health insurance for their passengers. Explore these options and compare them with external providers.

22. Pack Essential Medications

Pack an adequate supply of essential medications, including any prescription drugs, over-the-counter medications, and pain relievers. This will help you avoid potential medical expenses for purchasing these items abroad.

23. Purchase Travel Insurance Through Royal Caribbean

Royal Caribbean offers a range of travel insurance options designed specifically for cruise passengers. These plans provide comprehensive coverage, including medical expenses, trip cancelations, and baggage loss.

24. Other Ways to Save Money on Medical Expenses

Consider visiting a doctor in advance of your cruise to obtain prescriptions for potential medications. This can save you money compared to purchasing them abroad.

25. Bring a First-Aid Kit

Pack a basic first-aid kit to treat minor injuries and illnesses. This can help you avoid the potential expense of seeking medical attention for minor ailments.

26. Enroll in a Cruise Line Loyalty Program

Cruise line loyalty programs often offer discounts and benefits, including reduced rates on travel insurance. Enrolling in these programs can help you save money on your overall travel expenses.

27. Common Medical Expenses on a Cruise

Here’s a table of common medical expenses that you may encounter on a cruise, along with estimated costs in US dollars:

Medical Service Estimated Cost
Doctor’s Office Visit $150-$250
Emergency Room Visit $1,000-$2,000
X-Ray $150-$300
Prescription Medication $50-$200 per prescription
Surgery (Appendectomy) $20,000-$50,000
Hospitalization (Per Day) $1,000-$2,000

Note that these costs are estimates and can vary significantly based on the destination, severity of the medical issue, and the specific medical facility used.

The Impact of Age and Pre-Existing Conditions on Coverage

### What Is Covered?

Royal Caribbean insurance covers a wide range of medical expenses incurred during your cruise, including:

* Hospitalization
* Doctor’s visits
* Prescriptions
* Dental treatments
* Emergency medical transportation

Note: Some specific treatments and services may not be covered, so it’s important to review the policy details carefully before purchasing.

### Age Restrictions

There are no age restrictions for purchasing Royal Caribbean insurance. However, coverage may be limited for certain pre-existing conditions, as discussed below.

### Pre-Existing Conditions

Pre-existing conditions are medical conditions that you have before purchasing the insurance policy. Royal Caribbean insurance does not cover pre-existing conditions unless they are stable and controlled.

Stable and controlled means that the condition has not required any significant medical treatment or medication for the past six months.

### How to Determine if a Pre-Existing Condition Is Stable

To determine if a pre-existing condition is stable, you will need to provide documentation from your doctor. This documentation should include:

* A diagnosis of the condition
* The date of diagnosis
* A description of the current symptoms
* A list of all medications you are taking for the condition

### Coverage for Stable Pre-Existing Conditions

If you can provide documentation showing that your pre-existing condition is stable, Royal Caribbean insurance will cover any emergency medical treatment you receive for that condition during your cruise. However, there may be some limitations to coverage, such as:

* You may have to pay a higher deductible for coverage.
* You may have a lower coverage limit for certain treatments.
* You may not be covered for certain complications that arise from your pre-existing condition.

### Coverage for Unstable Pre-Existing Conditions

If you cannot provide documentation showing that your pre-existing condition is stable, Royal Caribbean insurance will not cover any medical treatment you receive for that condition during your cruise.

### Exclusions

Royal Caribbean insurance does not cover the following:

* Treatment for elective procedures
* Cosmetic surgery
* Dental care that is not related to an emergency
* Prescription drugs that are not prescribed by a doctor during your cruise
* Expenses related to mental health treatment
* Expenses related to alcohol or drug abuse
* Expenses related to pregnancy or childbirth

### How to Purchase Royal Caribbean Insurance

You can purchase Royal Caribbean insurance online or through a travel agent. The cost of the insurance will vary depending on your age, the length of your cruise, and the coverage you choose.

### Benefits of Purchasing Royal Caribbean Insurance

There are several benefits to purchasing Royal Caribbean insurance, including:

* Peace of mind knowing that you are covered for unexpected medical expenses
* Reduced out-of-pocket costs if you need medical treatment during your cruise
* Access to a 24-hour emergency hotline
* Reimbursement for trip cancellation or interruption if you are unable to travel due to a covered illness or injury

### Optional Coverage

In addition to the base coverage, you can also purchase optional coverage for the following:

* Trip cancellation and interruption
* Lost luggage
* Travel delay
* Emergency medical evacuation

### Claims Process

If you need to file a claim, you can do so online or by calling the claims hotline. You will need to provide documentation of your medical expenses, as well as any other relevant information.

### Conclusion

Royal Caribbean insurance can provide you with peace of mind and financial protection in the event of a medical emergency during your cruise.

Managing Cruise Insurance Costs

1. Comparing Policies

Start by researching and comparing policies from different insurance companies. Consider the coverage limits, deductibles, and any exclusions that may apply.

2. Bundling Coverage

If you frequently cruise with Royal Caribbean, consider purchasing a bundled policy that covers multiple cruises over a set period.

3. Increasing Deductibles

To reduce premiums, you can opt for a higher deductible. However, ensure you can comfortably cover the deductible amount in case of a claim.

4. Negotiating with the Cruise Line

Sometimes, cruise lines may offer discounted insurance rates. Contact Royal Caribbean directly and inquire about any available promotions or discounts.

5. Travel Insurance vs. Cruise Insurance

Travel insurance typically covers a wider range of incidents, including lost luggage and trip delays, while cruise insurance focuses specifically on risks associated with cruises.

6. Trip Protection Plans

Some cruise lines, including Royal Caribbean, offer trip protection plans that provide coverage for trip cancellation, interruption, and other emergencies.

7. Pre-Existing Conditions

If you have pre-existing medical conditions, disclose them to your insurance provider to determine if the policy covers any potential complications.

8. Shore Excursions

Ensure your insurance policy extends coverage to shore excursions, as some activities may involve higher risks.

9. Emergency Medical Evacuation

Consider purchasing coverage for emergency medical evacuation if you plan to visit remote or isolated destinations.

10. Repatriations and Burial

In the unfortunate event of a fatality, make sure your insurance policy covers the costs of repatriation and burial.

11. Baggage and Personal Belongings

Check the policy for coverage limits on baggage and personal belongings, including theft or loss.

12. Cruise Cancellation and Interruption

Select a policy that covers cruise cancellations or interruptions due to unforeseen circumstances, such as weather events or medical emergencies.

13. Travel Delays

Ensure your insurance policy provides reimbursement for expenses incurred due to travel delays, such as hotel stays or meals.

14. Missed Port Departures

Determine if the policy covers the costs of rejoining the cruise at a subsequent port if you miss the ship at the original departure port.

15. Onboard Medical Expenses

Check if the policy includes coverage for medical expenses incurred onboard the ship, which may exceed the coverage provided by your regular health insurance.

16. Theft and Loss Protection

Protect your valuables against theft or loss by ensuring your insurance policy covers such incidents.

17. Cancellation for Any Reason

Some cruise insurance policies offer “cancel for any reason” coverage, allowing you to cancel your trip and receive a partial refund for any reason, regardless of the circumstances.

18. Financial Protection

Consider purchasing coverage that protects you against financial losses incurred due to trip cancellations or interruptions, such as non-refundable deposits or prepaid expenses.

19. Emergency Assistance

Ensure your insurance policy provides access to 24/7 emergency assistance, which can be invaluable in case of unexpected situations.

20. Pre-Existing Conditions

If you have pre-existing medical conditions, check if the policy covers any potential complications that may arise during your cruise.

21. Shore Excursions

Determine if the insurance policy extends coverage to shore excursions, as some activities may involve higher risks.

22. Emergency Medical Evacuation

Consider purchasing coverage for emergency medical evacuation if you plan to visit remote or isolated destinations.

23. Repatriations and Burial

In the unfortunate event of a fatality, make sure your insurance policy covers the costs of repatriation and burial.

24. Baggage and Personal Belongings

Check the policy for coverage limits on baggage and personal belongings, including theft or loss.

25. Cruise Cancellation and Interruption

Select a policy that covers cruise cancellations or interruptions due to unforeseen circumstances, such as weather events or medical emergencies.

26. Travel Delays

Ensure your insurance policy provides reimbursement for expenses incurred due to travel delays, such as hotel stays or meals.

27. Missed Port Departures

Determine if the policy covers the costs of rejoining the cruise at a subsequent port if you miss the ship at the original departure port.

28. Onboard Medical Expenses

Check if the policy includes coverage for medical expenses incurred onboard the ship, which may exceed the coverage provided by your regular health insurance.

29. Theft and Loss Protection

Protect your valuables against theft or loss by ensuring your insurance policy covers such incidents.

30. Cancellation for Any Reason

Some cruise insurance policies offer “cancel for any reason” coverage, allowing you to cancel your trip and receive a partial refund for any reason, regardless of the circumstances.

31. Financial Protection

Consider purchasing coverage that protects you against financial losses incurred due to trip cancellations or interruptions, such as non-refundable deposits or prepaid expenses.

32. Emergency Assistance

Ensure your insurance policy provides access to 24/7 emergency assistance, which can be invaluable in case of unexpected situations.

33. Pre-Existing Conditions

If you have pre-existing medical conditions, check if the policy covers any potential complications that may arise during your cruise.

34. Shore Excursions

Determine if the insurance policy extends coverage to shore excursions, as some activities may involve higher risks.

35. Emergency Medical Evacuation

Consider purchasing coverage for emergency medical evacuation if you plan to visit remote or isolated destinations.

36. Repatriations and Burial

In the unfortunate event of a fatality, make sure your insurance policy covers the costs of repatriation and burial.

37. Baggage and Personal Belongings

Check the policy for coverage limits on baggage and personal belongings, including theft or loss.

38. Cruise Cancellation and Interruption

Select a policy that covers cruise cancellations or interruptions due to unforeseen circumstances, such as weather events or medical emergencies.

39. Travel Delays

Ensure your insurance policy provides reimbursement for expenses incurred due to travel delays, such as hotel stays or meals.

40. Missed Port Departures

Determine if the policy covers the costs of rejoining the cruise at a subsequent port if you miss the ship at the original departure port.

41. Common Exclusions

Exclusions
Alcohol-related incidents
Pre-existing conditions (unless covered by specific riders)
War and political unrest
Natural disasters beyond the control of the cruise line
Sports activities deemed dangerous or high-risk
Cosmetic procedures
Mental health issues

42. Reading the Fine Print

Thoroughly review the policy wording before purchasing to ensure you understand the coverage details, exclusions, and any potential loopholes.

Travel Insurance for Solo Cruisers

Cruising solo can be an incredibly rewarding experience, but it’s essential to ensure that you’re adequately protected in case of unexpected events. Travel insurance can provide you with peace of mind and financial assistance if something goes wrong during your trip.

What is Travel Insurance?

Travel insurance is a type of insurance that provides coverage for various travel-related risks, including lost luggage, medical emergencies, trip cancellations, and delays.

Why Do Solo Cruisers Need Travel Insurance?

Solo cruisers are particularly vulnerable to certain risks due to the nature of solo travel. For example, if you fall ill or have an accident while cruising alone, you may face significant medical expenses or the need for emergency transportation.

Coverage Options

Travel insurance plans typically offer a range of coverage options, including:

  • Medical expenses
  • Emergency transportation
  • Trip cancellation
  • Trip interruption
  • Lost luggage
  • Personal liability
  • Trip delay
  • Baggage delay
  • missed connections
  • Rental car damage

Choosing a Plan

When selecting a travel insurance plan, consider the following factors:

  • Coverage limits: Determine the amount of coverage you need for each category.
  • Policy exclusions: Understand the activities or events that are not covered by the plan.
  • Deductible: This is the amount you pay out-of-pocket before the insurance coverage begins.
  • Co-insurance: This is the percentage of medical costs you are responsible for paying after the deductible is met.

50. Travelers with Pre-existing Medical Conditions

If you have any pre-existing medical conditions, it’s crucial to inform the insurance provider when purchasing a plan. Some plans may offer coverage for pre-existing conditions for an additional premium, while others may exclude them altogether.

51. Selecting a Royal Caribbean Plan

Royal Caribbean offers several travel insurance plans designed specifically for cruisers. These plans provide varying levels of coverage, from basic to comprehensive.

Here’s a table highlighting the coverage options for Royal Caribbean’s travel insurance plans:

Plan Medical Expenses Trip Cancellation Lost Luggage
Bronze $10,000 $2,000 $1,000
Silver $25,000 $5,000 $2,000
Gold $100,000 $10,000 $5,000

52. Conclusion

Travel insurance can provide solo cruisers with peace of mind and financial support in case of unexpected events during their trip. By carefully considering the coverage options and choosing a plan that meets their specific needs, solo cruisers can protect themselves and enjoy their cruise with confidence.

Royal Caribbean Insurance: A Detailed Analysis

Royal Caribbean International offers a range of insurance options to enhance the protection and peace of mind of its passengers. By purchasing travel insurance, travelers can safeguard themselves against unexpected events that may disrupt their vacation, such as medical emergencies, trip cancellations, luggage loss, and more.

Royal Caribbean’s insurance plans are designed to provide comprehensive coverage at reasonable rates. They can be purchased directly through the cruise company at the time of booking or through third-party travel insurance providers. Passengers should carefully consider their individual needs and budget when selecting an insurance plan that suits them best.

People Also Ask About Royal Caribbean Insurance

What does Royal Caribbean insurance cover?

Royal Caribbean’s insurance plans typically cover a wide range of potential events, including:

  • Trip cancellation and interruption
  • Medical expenses and evacuation
  • Lost or damaged luggage
  • Flight delays and cancellations
  • Personal liability

Is Royal Caribbean insurance worth it?

The value of Royal Caribbean insurance depends on individual circumstances and risk tolerance. For those who are concerned about potential financial losses or unexpected events, purchasing insurance can provide peace of mind and financial protection.

How much does Royal Caribbean insurance cost?

The cost of Royal Caribbean insurance varies depending on the coverage level, length of the trip, and other factors. Passengers can typically expect to pay around 10-15% of their total cruise fare for comprehensive insurance.

Can I purchase Royal Caribbean insurance after I book my cruise?

Yes, Royal Caribbean allows passengers to purchase insurance up until the day of departure. However, it is generally recommended to purchase insurance as early as possible to ensure full coverage from the start of the trip.