If you are not concerned about trip cancellation/interruption coverage than the best way to obtain coverage is to visit a travel insurance comparison web site like QuoteWright.com, InsureMyTrip.com, or Squaremouth.com and ask for a quote with a zero (0) trip cost. Using a 0 trip cost will eliminate the trip cancellation coverage under most policies and will reduce the cost considerably. There is a draw back to doing this - it will usually make you ineligible for pre-existing medical conditions coverage. Coverage for pre-existing medical conditions is usually contingent on a traveler insuring the full, prepaid cost of the trip so by using a 0 trip cost you won't be eligible.