When do you buy your insurance? Remember that insurance isn't only needed when you start your holiday.
Many people find out too late that things can go wrong beforehand. You can't go on your holiday and you lose all your money.
You really must take out insurance as soon as you book your holiday.
I had to cancel a holiday last year and thankfully the insurance company paid with no problem it was one less stress that I had to deal with.
You only have to look at the complaints section here to see the stress when you don't have insurance.
If you read the terms & Conditions of the Tour Operators you will see that you agree to take out insurance. In theory you can be asked when boarding for proof and turned away If you do not have it.
I have some sympathy for those who have a family emergency prior to a holiday and have delayed taking out insurance. Anyone going wthout is a fool.
Having said that I have booked a holiday for July 2019, a safari in Namibia. I have a yearly Travel Insurance that covers illness whilst away but not cancellation, that is a separate insurance and because flights will not go on sale for another month I have no idea what the total price of my holiday will be and cancellation insurance costs are based on the price of the holiday. So at the moment I have broken my own rules of purchasing insurance immediately after booking a holiday. If for some reason I have to cancel during the next four weeks the I'll lose my deposit, a considerable amount.
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