Travel Insurance Waiver Deadline Calculator

Avoid missing the narrow window most insurers give you to add a pre-existing condition waiver. Provide the date you paid your first trip deposit and your departure date; the calculator pinpoints the waiver purchase deadline, shows how much breathing room you have, and flags if the window closes before you leave.

Enter the date you paid the initial deposit (YYYY-MM-DD or MM/DD/YYYY).
Scheduled departure date for the trip you are insuring.
Most carriers require purchase within 10–21 days; adjust to match your policy.

Always confirm deadlines with the insurer or broker. Policies vary by carrier and jurisdiction.

Examples

  • Deposit on 2025-03-01, departure 2025-07-15, 15-day window ⇒ Waiver purchase deadline: March 16, 2025 • Days between deposit and waiver cutoff: 15.00 • Days between deposit and departure: 136.00 • You have 121.00 day(s) between the waiver deadline and departure.
  • Deposit on 05/20/2025, departure 06/10/2025, window left blank ⇒ Waiver purchase deadline: June 3, 2025 • Days between deposit and waiver cutoff: 14.00 • Days between deposit and departure: 21.00 • The waiver deadline passed −7.00 day(s) before departure; call the insurer immediately.

FAQ

What if my policy uses a 21-day window?

Change the waiver window field to 21 to recalculate the deadline instantly. The output updates the breathing room before departure as well.

Does this guarantee the insurer will grant a waiver?

No. You must still meet all policy requirements, including insuring the full non-refundable trip cost and being medically able to travel when you buy coverage.

Can I use local date formats?

Yes. Enter either YYYY-MM-DD or MM/DD/YYYY. The calculator normalizes the date to avoid timezone shifts in the output.

How should I document compliance?

Keep receipts showing your first payment date and the policy purchase confirmation to prove you met the waiver window.

Additional Information

  • Pre-existing condition waivers often require insuring 100% of prepaid, non-refundable trip costs at the time of purchase.
  • Some policies tie the window to when you make the initial deposit, others to when you pay the final balance—confirm the trigger date before relying on the deadline above.
  • If you add travelers or costs later, many insurers restart the clock; rerun this calculator after each additional payment.

Related calculators