It is advisable to take out your travel insurance at the time of booking your trip, since coverage will begin for pre-departure cancellation from the policy issue date. This will, therefore, provide coverage should you have to cancel your trip for an insured (covered) reason.
We strongly recommend that you and all members of your party are adequately insured, protecting against unforeseen circumstances that could otherwise spoil your travels. Since your health insurance coverage will most likely not be useful outside the US, we also recommend emergency medical coverage for all international travel.
Additionally, we also strongly recommend that you have coverage for personal belongings, trip delay, and trip interruption.
If you are undertaking any sports or adventurous activities, including trekking, on your trip you should also make sure that your policy covers these. Please also ensure you read the policy conditions and exclusions.