5 Reasons Why You Should Buy Travel Insurance the Same Day You Book Your Holiday

From the moment you book flights or accommodation, you’ve committed financially. Yet many people assume travel insurance only matters once they’re abroad. 

In reality, some of the biggest risks happen before you even leave. 

If you fall ill, are injured, or face an unexpected family emergency, weeks or months before departure, you could lose thousands in non-refundable costs. Buying travel insurance straight away means: 

• You’re covered for cancellation if something unexpected happens 
• Your flights, accommodation, and pre-paid expenses are protected 
• You’re not left trying to recover costs out of pocket 
• Waiting even a few weeks can mean missing out on this vital protection.

Another common mistake is waiting “just in case” — especially if health concerns arise after booking. 

Here’s the key point: 

Travel insurance can’t cover events that happen before the policy is in place. 

If a new medical condition develops after you book your holiday but before you buy insurance, cancellation related to that condition may not be covered. 

Buying travel insurance immediately helps protect you against: 

• New illnesses or injuries 
• Worsening existing conditions (subject to terms) 
• Medical advice not to travel later 

The earlier you’re insured, the fewer grey areas there are.

If you travel more than once a year — even short breaks or staycations — Annual Multi-Trip Travel Insurance often works out far better value. 

By taking out annual cover at the start of the year or before your first trip: 

• Every trip is covered automatically 
• Cancellation cover applies from the date you book each holiday 
• No need to remember to buy insurance every time 

Many people don’t realise annual policies protect future bookings too — as long as they’re made while the policy is active. 

While medical emergencies abroad are one of the most talked-about benefits, travel insurance also covers a wide range of issues that can derail your plans: 

• Trip cancellation or curtailment 
• Delayed or missed departures 
• Lost, stolen, or delayed baggage 
• Travel disruption due to unforeseen events 

Buying early ensures these benefits apply from booking to return, not just during the trip itself. 

Many people delay buying travel insurance thinking they’ll “do it later” or assuming it’s expensive. 

In reality, travel insurance is often one of the smallest costs of your holiday, especially compared to flights and accommodation — yet it protects the largest financial risks. 

At Peopl, we offer: 

• No upper age limits 
• Single trip and annual multi-trip options 
• Up to 6 children going free on family policies 
• Additional cover options such as winter sports, golf, and cruises 

And because we work closely with Credit Unions, our focus is always on fair cover and real value, not quick sales.