Your policy should start from the date you want your cover to begin. For Single Trip policies with Cancellation cover, cancellation benefits start as soon as you buy the policy. For Annual Multi-Trip policies, cancellation cover starts when you book each trip or from your policy start date; whichever is later.
Single Trip policies
Your policy must start before your trip begins.
If your trip begins before your policy start date, you won’t have cover for any part of that trip.Single Trip policies can be purchased up to 365 days before your trip start date.
If your policy includes Cancellation, that cover starts as soon as the premium is paid (or from the commencement date shown on your schedule).
Annual Multi-Trip (AMT) policies
You can choose a start date that suits when you want your 12-month period of cover to begin.
You can choose a start date up to 60 days in advance.
For each trip, if your policy includes Cancellation, cover starts when you book the trip or from the start date shown on your policy schedule; whichever is later.
If a trip begins before your AMT policy start date, that trip is not covered.
General rule
If your trip begins before your policy start date, you won’t have cover for any part of that trip.
Cover cannot begin after you have already left your home country.