You can purchase an IMG Patriot Travel Insurance policy at any time prior to your trip start date up to the day you travel if you choose. You can apply a month or more before leaving. It is your choice. Applicants may choose to apply for the Patriot plan after their trip has begun. In this case, coverage will not be effective until the application has been approved and you have paid the applicable premium. You can change the start and end date for your plan at any time before the current start date without any penalty. There may be an extra charge if your total number of days traveling is more than you initially purchased.