You should purchase the travel health insurance coverage only after being certain of your travel plans (having the passport/visa papers and the airline tickets in order). It is safest to start the travel medical insurance coverage from the date of departure from your native home country as many visitor health insurance plans coverage outside home country and hence the traveler is covered in the international transit country, if the trip involves a long haul to an distant foreign destination such as United States of America or Canada. Also, most visitor insurance plans offer other benefits such as baggage loss, common carrier death benefit, etc. that is useful coverage in transit.
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