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How long before departure should travel insurance be subscribed?

Travel assistance or travel insurance contracts (whether annual or temporary) can be subscribed up to the day before your departure.

Specifically for cancellation insurances (also as an option in the annual assistance):

If the trip is already booked, the cancellation insurance must be subscribed at least 30 days before the departure date of the trip.
If you book a "last minute" trip, the cancellation insurance must be subscribed on the day you book your trip.

Specifically for the Drive formulas:

A waiting period of 5 days applies after the purchase of the Drive insurance, before the vehicle can be covered for breakdown/towing.