1. When will my travel protection coverage become effective?
Most travel insurance policies become effective at 12:01 a.m. the day after the insurance purchased.
For more information call 1 (800) 694-4311.
2. Can I purchase a Flight Accident Policy if I have already departed on my trip?
No, these policies cannot be purchased if you have already departed on your trip.
For more information call 1 (800) 694-4311.
3. Is there travel insurance available that covers canceling a trip due to the death of a family member?
Yes, "comprehensive" or "all inclusive" travel protection policies provide coverage for trip cancellation due to the death, injury, or illness of the insured, a traveling companion, or a family member.
For more information call 1 (800) 694-4311.
4. What is the latest date I can purchase travel insurance?
Travel insurance can be purchased up to the day before you travel, but we recommend you purchase travel insurance when you make your first trip payment or deposit in order to maximize your benefits and to lock in your current medical condition. If you wait, you run the risk of an illness or injury before you buy your travel insurance which would then become a pre-existing condition, not covered by your plan.
For more information call 1 (800) 694-4311.
5. When is the best time to purchase travel insurance?
To receive the most benefit from your trip policy you should purchase the insurance within 14 calendar days of making your initial trip payment or deposit. (The actual number of days varies by company and plan.)
If the insurance is purchased within the 14 day period most plans will include "Bonus Benefits" from the underwriter, such as the waiver of the plan's pre-existing medical condition exclusion and travel supplier (tour operator, airline or cruise line) financial default or bankruptcy protection.
For more information call 1 (800) 694-4311.
6. I booked part of my vacation, but not the flight. Do I have to wait until the flight is booked before purchasing travel insurance?
You can purchase the travel insurance right away and include an estimate of your flight tickets. If the actual cost is more, or less, you can adjust your trip cost later.
For more information call 1 (800) 694-4311.
7. I am interested in travel insurance policies that cover cancellation for any reason whatsoever. Does this exist?
Yes, "Cancel for any Reason" policies are available.
For more information call 1 (800) 694-4311.
8. What is the First Trip Payment Date?
This is the date you first made a payment or deposit for the trip you are insuring. If you pay by check, this is the date the check is written—not the date it is cashed.
For more information call 1 (800) 694-4311.
9. How do I determine the total cost of the trip?
The insurable cost of a trip is the total of all "non-refundable pre-paid" trip arrangements.
For more information call 1 (800) 694-4311.
10. When it comes to travel insurance, what is the definition of a Pre-Existing Medical Condition?
Pre-Existing Condition means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you or your Traveling Companion or Family Member who is scheduled or booked to travel with you:
- 1) Received, or received a recommendation for, a diagnostic test, examination, or medical treatment.
- 2) Took or received prescription drugs or medicine.
Item 2 of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is in effect under the Policy.
For more information call 1 (800) 694-4311.
11. If I take medication for high blood pressure, is this considered a Pre-Existing Medical Condition?
If your blood pressure is controlled through the taking of prescription medication and remains controlled throughout the Pre-existing Condition time constraint (varies with plan) this condition would NOT be considered pre-existing.
For more information call 1 (800) 694-4311.
12. What is the Pre-Existing Condition Period?
The number of days from the date insurance was purchased that the travel insurance company will look back to see if your claim is related to a pre-existing medical condition. This time constraint varies.
For more information call 1 (800) 694-4311.
13. What does it mean to have the Pre-Existing Conditions waived?
This means you will have coverage for a pre-existing condition if you need to cancel/interrupt your trip. The policy must be purchased within the allotted number of calendar days required by the underwriter, after your first trip payment or deposit (varies with plan). See plan for General Policy Exclusions.
For more information call 1 (800) 694-4311.
14. Can I cancel a policy I purchased?
If you are not satisfied for any reason, you may cancel your coverage within 10 calendar days of your plan purchase and receive a full premium refund (excluding the policy fee) providing you haven't incurred a covered expense and haven't already left on your Trip. (A letter indicating your desire to cancel.) After 10-days the plan is non-refundable.
For more information call 1 (800) 694-4311.
15. What is the policy limit for tour, flight or cruise cancellation insurance?
Please see the Description of Coverage for each policy.
For more information call 1 (800) 694-4311.
16. I made a mistake in entering my data, what should I do?
Call or email us and we will make the requested changes and send you a corrected policy.
For more information call 1 (800) 694-4311.
17. I did not receive a copy of my travel insurance in the mail yet. What can I do?
Policy fulfillment is normally via email, however; a hard copy can be issued for a small fee (Please do not be alarmed, your coverage has been in effect since the date of your online purchase.).
For more information call 1 (800) 694-4311.
18. In these uncertain times, is terrorism covered in my trip, flight or cruise insurance?
Many of our plans 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…most include terrorism.
For more information call 1 (800) 694-4311.
19. Can I purchase a policy to cover cancellation due to war or threat of war?
Yes and No. All insurance companies exclude coverage if the loss is caused by war or threat of war. However, you can purchase a cancel for any reason plan.
For more information call 1 (800) 694-4311.
20. I am in the military. What if I am called to duty or denied leave?
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.
For more information call 1 (800) 694-4311.
21. Can citizens of countries other than the U.S. purchase travel insurance?
Yes. Most travel insurance plans underwritten by "Regional Carriers" are for "USA and Canadian" or "USA Only" Residents however, we do have plans (Picture Perfect Vacation and Elite) which will cover residents of all countries.
For more information call 1 (800) 694-4311.
22. Can I insure the cost of the airline ticket that I purchased with frequent flyer miles?
Yes and No. It will not reimburse the "replacement value" of the ticket because no money changed hands . . . but, Travel Insurance will refund the provider's "mileage restocking fee" if you cancel for a covered reason.
For more information call 1 (800) 694-4311.
23. Does Medicare cover foreign travel?
No. Medicare will not cover you outside of the Continental United States . . . In fact, most private policies either have limited or no coverage outside the USA.
IMPORTANT: Even if your personal policy would cover you, it will have co-pay charges and deductibles . . . Travel Insurance will cover these deductibles and co-payments on covered claims.
For more information call 1 (800) 694-4311.
24. Can you enroll multiple employees or travelers on one policy, or do we need separate policies for each employee or traveler?
You can include multiple employees or travelers on most policies. The number varies by plan.
For more information call 1 (800) 694-4311.
