I'm note sure about what your action represent, but even if you have some time-based principle, nothing prevent your for saving the Action before (for a browser-based application, 25 minutes is a lot of time during which a lot of bad things can happen, like a refresh or a connection failure).
My advice would be to create (save) the Action immediately, thus allowing your Insight to be linked to it. I would add a "status" column to Action, with something like "new" (the base status), "confirmed" and other if needed.
You can then work only on the "confirmed" Actions, and eventually delete the "new" one on a regular basis (like all that are older than 30 minutes, with your thresold of 25).
Hope this make sense (more design than Rails, anyway).