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Insurance Tips to find the best travel insurance company - Travel Insurance FAQs - Ouestions and Answers




travel-insurance

   We are usually well-prepared when we travel , but whilst most of us take out insurance before we travel, many of us don't read the policy- so we may not know what our cover is until it is too late.
   Travel insurance pays out if you are sick or injured while on holiday, lose your luggage or are delayed at the airport . It also covers you if you have to cancel or cut short your holiday in certain situations. Anyone who's travelling abroad needs travel insurance, but remember to take it out as soon as you book your holiday, as many travel claims are for cancellation.
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    Market surveys show that many people don't take insurance. People believe that their credit card accident cover, home insurance , or private health cover is sufficient. However, it is unlikely that these will give adequate cover.
   Travel InsuranceYes or No?  Some people swear by it, other people swear about it. But there are many different types of travel insurance, some better than others.  Experienced travelers know that even the best-planned vacations can be impacted by the unexpected-placing their financial investment in their vacation at risk. Travel delays, lost baggage, and unexpected illness or injury can not only ruin vacation plans, they can also cost a lot of extra dollars. That's why for many travelers, the next investment after arranging their trip is the purchase of travel protection, or travel insurance , as it is commonly called. It protects their vacation and provides the peace of mind travelers deserve. 
  The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, from before they leave until the time that they return. Many of these risks, such as trip interruption, are not always covered by any other types of insurance available.    We definitely love travel insurance because of the way that it could transform a desperate and sometimes tragic problem into a resolved situation .  For this reason we should be sure to always offer you the option of travel insurance.
   There are lots of factors - not just the price - you should consider when buying travel insurance. But whether you get a one-off travel insurance 'product', or an annual multi-trip policy, the most important things to look out for are whether the terms and conditions are what you want and whether the policy adequately covers you for what you will be doing.  Some sources are very much better value than other sources. Most travel insurance is offered as a single trip policy that covers you for your one particular upcoming trip. However it is possible to buy annual travel insurance that provides cover to you – potentially for as much travel as you might do during the entire year. This is another form of ‘buying in bulk’ and the value tends to be very much greater in an annual policy than in a single trip policy, although the biggest factor here is how much travel you’re likely to do in a year.
   If you’re only going to travel once or twice, single policies are better, but if you have a lot of travel lined up in the next twelve months, check out an annual policy as a possible alternative. If you make several trips each year, consider taking out annual multi-trip insurance to save time, money and effort.
   The cost of travel insurance varies widely, so shop around to find a good price and the right product, rather than opting to travel without cover. Bear in mind that a cheaper policy may have less cover. 
 

      Welcome to the leading consumer-oriented online travel insurance aggregator worldwide. You can make it easy for you to compare and buy travel insurance for any type of journey. From global business trips to cross-country family vacations , they cover it all!  You can analyze, compare, and purchase a wide-range of premier travel products - from multi-coverage package policies to specialized medical emergency and evacuation plans - from the top U.S. insurance providers. 
    They provide travel insurance policies from Access America, CSA Travel Protection, Global Underwriters, HTH Worldwide, International Medical Group, M.H. Ross, Medex, MedjetAssist, MultiNational Underwriters, RBC Travel Protection, Specialty Risk International, Travel Guard, Travel Insured, Travelex and TravelSafe. All companies have 24 hour claim or assistance call centers. Some companies provide claim forms online or via email.    The Customer Service Team is ready to answer any questions you may have regarding your travel insurance. Each member of the staff is a trained professional with years of experience in the travel insurance and general insurance field. Please call or email   right now - they are here to help.


Package Policies
   These policies are designed for travelers going on a single trip. They can be used for Cruises, Tours, Flights, House Rentals and a world of other trip types.

   All offer Trip Cancellation, Baggage, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death Coverages. Some policies also have options for Collision/Damage coverage for rented cars, Flight Insurance (a form of Accidental Death Coverage while flying only) and added Emergency Evacuation insurance. Some package policies include coverage for children at no extra charge. more...

Business Package Policies
   These policies are uniquely designed for individual business travelers and small to mid-size companies with traveling employees. Business Package Policies provide coverage for multiple business trips throughout the year [total business travel days of 30, 60 , 90, 91+ per year] or a single business trip.

   All policies offer coverage for business-relevant concerns including Trip Cancellation, Identify Theft Protection, and Concierge Services. Most uniquely, they also provide for Baggage and Business effects including the costs of trade shows and business conferences as well as the expense of lost, stolen and /or damaged laptops, cell phones and booth exhibits. more...

Travel Medical Policies
   These policies provide Medical Coverage for travel up to a year in length. Some include coverage for evacuation, flight, accidental death, limited baggage, and trip interruption. more...

Multi-Trip Medical Policies
   These policies provide annual Medical Coverage for multiple trips throughout the year. All policies have trip length restrictions of either 15, 30 or 70 days. Some include coverage for evacuation, flight, accidental death, limited baggage, and trip interruption. more...

Medical Evacuation Policies
   These policies provide protection for travelers in the event they become seriously ill or injured while traveling. They provide emergency medical evacuation to the nearest appropriate care facility or on some plans, to your hospital of choice. They also include coverage for repatriation of mortal remains. more...

Flight Accident Policies
   These policies are designed for travelers going on a single trip and provide coverage for Flight Accident Insurance (a form of Accidental Death Coverage while flying). more...

Travel Major Medical Policies
 
   These policies are designed for travelers who are going abroad for at least 6 months and require more permanent insurance. These plans provide comprehensive medical protection including emergency medical treatment, wellness care and optional prescription drug coverage. Like most major medical policies, these plans contain both in and out of network coverage, deductibles and co-payments and have the added travel benefits of accidental death and emergency medical evacuation protection.

Accidental Death Policies
   AD & D policies (Accidental Death & Dismemberment) are designed for travelers going on a single trip, or can be written on an annual basis for individuals, businesses or groups. These policies provide protection in the event of a loss of life or dismemberment injury sustained while traveling. These polices can be written with benefit limits up to $20 million.



Travel Insurance FAQs - Ouestions and Answers

General
General Questions - Package Policies
General Questions - Business Package Policies
Post-Sale Questions
Terriorism/War
Military
International
Airline Miles
Rental
Site Use
Financial Default
Medical





Q.
How are the insurance companies rated? I want to make sure that we choose a reliable insurance company that has an excellent track record.
A.
A. We have insurance company ratings online! When viewing the plans in the products area or while comparing or viewing in the quote area, each insurance company's A.M. Best rating is displayed.

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Q.
What is the definition of a Pre-Existing Medical Condition?
A.
This would be any injury, disease or illness to You, a Traveling Companion, Family Member, or Business Partner occurring prior to and including the effective date of your insurance.

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Q.
What is the Pre-Existing Condition Period?
A.
This is the number of days that the insurance company will "look back" from the day the insurance was purchased, to see if your claim is related to a pre-existing medical condition.

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Q.
When will my coverage become effective?
A.
For Travel Medical, Multi-Trip Medical and Medical Evacuation Policies, coverage begins at 12:01AM the day of your departure. If purchased on, or after your departure date, coverage begins at 12:01AM the next day. For Flight Accident Policies, coverage becomes effective the day of your departure upon boarding your flight.

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Q.
Can I purchase a Flight Accident Policy if I have already departed on my trip?
A.
These policies cannot be purchased if you have already departed on your trip. Only Travelex Flight Plus can be purchased on the day of departure as long as you have not left for your trip.

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Q.
Is there trip insurance available to cover the need to cancel a trip due to the death of a close family member - not one who is traveling on the particular trip?
A.
Yes, most of our package policies provide coverage for trip cancellation due to a non-traveling family member's death or illness requiring you to stay home.

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Q.
I made my own travel arrangements and did not go through an agency, can I insure my trip?
A.
Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover the pre-paid, non-refundable travel arrangements that you have made.

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Q.
What is the latest date I can purchase travel insurance?
A.
You can purchase a policy up to the day before you travel. However, our recommendation is to purchase as soon as possible to maximize your benefits. If you wait, you always run the risk that something will happen before you buy your insurance and you won't be covered.

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Q.
When is the best time to purchase travel insurance?
A.
To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of making your initial trip payment. If the insurance is purchased within the 7 - 21 day period you receive two enhancements (varies by company and plan) to the policy.
  1. protection against the financial default of a tour operator, airline or cruise line. (depends on company)
  2. the pre-existing medical condition exclusion is usually waived (again, depends on company and plan).
Most companies count the day you make the first trip payment as day one (not the day the check is cashed).

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Q.
I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
A.
You can certainly purchase the travel insurance right away. You will probably want to include the cost of your airline tickets in the trip cost. If you can find out what the price of the tickets will be before purchasing them, you can include that amount in the total trip cost. If not, an estimate will have to do. Otherwise, buy the policy now with the costs expended to date and contact us at service@insuremytrip.com when you make your other arrangements and we will have the policy corrected to reflect the change. If there is any additional premium as a result of the change, it will be charged at that time. Be sure you do this within the 7 - 21 day purchase requirement (depends on company) in order to comply with the pre-existing condition waiver requirements.

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Q.
I am interested in travel insurance policies that cover cancellation for any reason, for example if I couldn't get off work. Does this exist?
A.
Trip cancellation coverages are "named peril" policies, meaning they will only cover you for a specific covered reason named in the policy. None of them provide coverage for "any reason" or for a person's inability to get time off from work. Generally they cover cancellations due to health, weather, airline or cruise line bankruptcy, etc.

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Q.
What is the First Trip Payment Date?
A.
The First Trip Payment Date is the date that you first made a payment for the trip you want to insure. This is the date the check is written not the date it is cashed

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Q.
How do I determine the total cost of the trip?
A.
To determine the insurable cost of the trip, add together the cost of all of your non-refundable pre-paid trip arrangements.

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Q.
What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition? ?
A.
If your medication is controlled and you see a Doctor for routine checkups, this would NOT be considered a pre-existing condition. It would only be considered a pre-existing condition if your Doctor altered your medication, had a test done, requested that a test be done, or changed your diagnosis.

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Q.
What does it mean to have the Pre-Existing Conditions waived if insurance purchased within # days from First Trip Payment? ?
A.
This means you will have coverage for a pre-existing condition if you need to cancel/interrupt your trip. You get this by purchasing the policy within the # of days the company requires (differs by company), after the first payment towards your trip is made.

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Q.
Does the Pre-Existing Condition Period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver? ?
A.
No, this does not apply to a policy purchased within the required time frame.

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Q.
When will my coverage become effective?
A.
Coverage begins at 12:01AM the day after you purchase a policy.

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Q.
Can I purchase a Package Policy if I have already departed on my trip?
A.
These policies cannot be purchased once you have departed on your trip.

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Q.
Can one business insure multiple employees on one policy, or do they need separate policies for each employee?
A.
You can put up to 9 employees on these policies. If you have more than 9 employees, please call us to discuss a group policy.

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Q.
Can someone insure more than $1,500 for a domestic trip?
A.
No, at the present time, $1500 is the highest limit that can be secured.

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Q.
Who gets reimbursed if a claim is made, the company or the insured person?
A.
The company gets reimbursed in the event of a claim.

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Q.
Is there a discount if an insured travels for less than 30 days and purchases an annual plan?
A.
No, the rate offered on the Business Executive 30 is not subject to a discount if you travel below the 30 day limit.

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Q.
Are there policies available to an employee that works outside the US or Canada and is traveling to the US or Canada?
A.
No, these policies are available to US and Canadian residents traveling within their countries or internationally.

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Q.
Can I cancel a policy I purchased? Do I incur a penalty?
A.
Most of the companies allow you to review the policy for 10 - 20 days following purchase (varies by company and plan). If you cancel your policy within that 10 - 20 day period, you will receive a full refund except for a small $3 - $5 non-refundable processing fee charged by the company.

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Q.
I made a mistake in entering my data, what should I do?
A.
You can call or email us at service@insuremytrip.com, and we will have the changes made to your policy and have a corrected policy sent to you.

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Q.
I did not receive a copy of my travel insurance in the mail yet. What can I do?
A.
If you have received your order confirmation email, please be assured that your coverage is in full force and effect and has been since the date you purchased your policy. All of the policy and contact information is included in your email. Policies are normally sent out within 24 hours of purchase from our web site by the respective insurance company. With mailing time, the policy should be received in 7 - 14 days.
If you have not received your policy in 14 days, please contact our office. We will verify your mailing address and request that the policy be sent out again.

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Q.
Which policies will protect me if my trip needs to be cancelled because of terriorist activity?
A.
Many of our plans will offer coverage for "Terrorism". Trip cancellation coverage is generally considered to be a "named peril" type policy, meaning that only those perils that are named in the policy are covered. This includes terrorism. Each company includes their own definition of terrorism.

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Q.
Can I purchase a policy to cover cancellation due to war or threat of war?
A.
No. All insurance companies exclude coverage if the loss is caused by war or threat of war.

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Q.
I am in the military. What if I am called to duty or denied leave?
A.
If your leave is denied because of declared or undeclared war, all policies will exclude that reason. There are several companies that address military leave or being called to duty in one form or another: Access America, Travel Guard - Cruise, Tour & Travel plan, Travel Insured, TravelSafe and Travelex all have "perils" that touch on this.

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Q.
Can citizens of countries other than the U.S. purchase travel insurance?
A.
Yes. Travel insurance is available to non-U.S. citizens whether or not they reside in the United States.

Selecting the appropriate plan is important. There are five groups of plan types on our site that are available to non-U.S. citizens. The most popular groups for providing insurance protection for non-U.S. citizens are "Package Policies" and "Travel Medical Policies".

Non-U.S. Citizens living outside the U.S.:

We offer IMG's Patriot TRIP policy for non-US citizens living outside the US.

Travel Medical Policies - Travel Medical policies for Non-U.S. Citizens can be purchased. When comparing plans, determine availability by clicking on "Available to Travelers from". Medical benefits under these plans do not cover losses incurred while in your country of citizenship. The SRI policies are an exception in that they will cover you while in your country of citizenship but not within your country of residence. (i.e. A U.S. citizen residing in Europe traveling back to the US to visit, would be eligible for coverage from SRI).

Non-U.S. citizens living in the U.S. or Canadian citizens:

Package Policies - Non-U.S. citizens whose primary residence is the United States or Canada can apply for most of our "Package Policies.

Travel Medical Policies - Most Travel Medical policies for Non-U.S. Citizens can be purchased. When comparing plans, determine availability by clicking on "Available to Travelers from". Medical benefits under these plans do not cover losses incurred while in the country of your citizenship except under the SRI policies, which will cover you for medical expenses outside of your "home country" (country of residence).

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Q.
Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
A.
Generally the insurance companies will not insure tickets purchased with reward points or miles because no money has been paid. However, you should insure yourself for adequate trip interruption coverage. Make sure that you have purchased enough trip interruption coverage to cover the cost of an economy ticket home plus the cost of any unused, non-refundable land arrangements that you might lose if you have to interrupt your trip.

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Q.
Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
A.
There is no company in the travel insurance industry that will cover loss of frequent flyer points or miles. Travel Insured will reimburse the penalty fee to return tickets back into the point program.

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Q.
Is it possible to insure the rental of a house or condo?
A.
All of the companies on our website will provide reimbursement of villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Reimbursement of your pre-paid cost will be made if the trip cancellation or interruption was caused by a peril named in the policy.

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Q.
I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?
A.
Yes, the quoted premium is the total cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits.

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Q.
What is financial default coverage?
A.
The Financial Default protection benefit is part of the Trip Cancellation/Interruption benefit. Financial default coverage applies if the airline, cruise line, or tour operator goes out of business and you are unable to travel or suffer financial loss. In order for this coverage to apply, coverage must be purchased within 7 - 21 days (depends on company) of the initial deposit. After determining if you qualify for the benefit, some of the plans have 7-14 day waiting period before the benefit would become effective. Additionally, this benefit would be only available if the airline, cruise line or tour operator was not in bankruptcy at the time you purchase your travel insurance policy and in the case of Access America, is listed on their list of approved companies and in the case of Travel Guard, is not on their list of disapproved companies.

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Q.
Would a loss due to the financial default of a travel agent be covered by any of the insurance plans?
A.
Q.
Does Medicare cover foreign travel?
A.
No. You are not covered outside of the U.S. You should purchase travel insurance for possible medical emergencies.

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