Travel insurance is designed to protect the insured against unpredictable events, which means it is meant to be bought before an event occurs. Although during Covid times, travel insurance will not cover any travel disturbance caused by Covid-19, due to the rise of the pandemic and changes being too often past 2 years.
Also, it is best to buy the plan when booking the trip so one is eligible for coverages that apply prior to departure. For example, if one gets sick before the flight they will not lose any money and be redeem the travelling costs back.
A regular health insurance provider most likely will not cover medical expenses when travelling out of the country or it may be limited. That means if injured or sick, the medical costs will likely be paid for by you without travel insurance. That’s why Travel insurance can help one save thousands of dollars.