Last minute travel insurance

That depends on your insurer and what the changes are. For example, if you've decided to go skiing and you're telling your insurer, you'll need to buy a policy add-on like winter sports cover. This sort of thing is usually fine to change, but it could cost you more money.

If you develop a medical condition after you book your insurance, you should let your insurer know. If you don't tell your insurer about the medical condition, then you might not be covered for it.

Yes, you can get something called 'post-departure' or 'already travelling' insurance. Only a small number of insurers offer this, and it could be expensive.

You might have to wait a couple of days for the insurance to activate. That's so the company can check for fraud.

Yes, you can normally extend your travel insurance while you're travelling. All you need to do is speak to your insurer. You won't be able to if you've already extended your trip and reached the maximum number of days covered by your policy. If this is the case, you might need to buy a new policy to cover your trip extension.

Keep in mind, though, that if something has happened during the trip, your insurer might not cover it for the extension. For example, if you get ill and you extend your policy while you're ill, your insurer might not pay for the rest of your treatment.