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Message: <blockquote data-quote="Matt_01" data-source="post: 2296495" data-attributes="member: 63249">The main reason we had travel insurance was for medical coverage, I never really thought of the non refundable component as I generally will not pay in advance. Pre covid our drill was simple it was to get Mrs & MissM rewards flights sorted, book refundable accommodation and then monitor for the refundable special/ location offers. Using this approach I have found that booking accomodation (refundable) around the 9, 7 or 4 months out seems to be the sweet spot and is often cheaper and better value than what the booking sites have on offer 2-4 weeks out. In saying this I have cancelled and rebooked with the aggregators if the savings were significant. As for my flight, I just wait for the routine sale fares be it QF, CX, JL or any other OW carrier when I thought the fare is reasonable (lowest) some times I was right other times I got it wrong.As we had rolling family insurance coverage many of the points that you raise are valid considerations and well worth a second thought given we are now starting from scratch, again.     I did not know that you could purchase TI once a trip has started, can a policy can be backdated and paid for, I have no issue with this I just did not know this was available.</blockquote>