Question:
I just need medical coverage, which I am going to purchase today. I notice that all the policies say "secondary" for the medical portion, what does that mean exactly? My main insurance is Medicare, which I believe cannot be used in other countries. I am covered for trip cancellation, delay, baggage loss, etc. by credit card. Thank you,- Colette,04/11/2023
Answer:
Primary coverage will pay FIRST, before any other collectible insurance. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted. The Secondary coverage will act as Primary if you have no Primary coverage during your trip.
Question:
I have put a down payment on a cruise. I want to buy travel insurance that includes a 'pre existing condition waiver' for the cruise. I would need to buy that within a few days for the time limits. I don't plan to buy airfare for another month or so. .Can I buy the travel insurance for the cruise only?- DebraB,02/05/2023
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly. So when you purchase airfare or any other travel arrangements, please be sure to contact us to update the policy.
Question:
Can I only insure the hotel portion of my trip and not the flights? Or is it a must to include all non-refundable bookings?- RaquelT,05/04/2021
Answer:
You can insure any amount you wish to insure, as long as that amount is prepaid non-refundable prior to departure. However, if you are buying coverage for pre-existing medical conditions or "cancel for any reason" you are required to insure 100% of all prepaid non-refundable travel arrangements even if you only wanted to insure a portion of the total cost.
Question:
i rented a condo this summer at the jersey shore for one week. if we wanted to get insurance in case the beaches aren't open and we can't get our money back can we still do that. we already put down half the cost as a deposit and the rest is due 30 days prior. currently if we cancelled and they can rent the condo we would be out 12% of the total cost- randi,04/29/2020
Answer:
Standard comprehensive travel insurance policies don't cover cancellation due to fear of travel or closed attractions, such as beaches. If these are your main concerns, you would want to purchase a comprehensive plan with optional Cancel For Any Reason protection selected. There are some eligibility requirements for this protection, such as insuring 100% of pre-paid, non-refundable trip costs, purchasing your coverage within 10-21 days after making your initial trip payment/deposit, and you must cancel your trip no less than 2 days prior to departure. Cancel For Any Reason can reimburse a portion, typically up to 50%-75%, of your trip cost depending on the plan purchased. A policy with Cancel For Any Reason can cost an additional 40%-60% more than a standard policy, is not available in all states, and eligibility requirements may differ by company.
Question:
What dies initial payment mean, If it is a deposit to hold a reservation (which is cancellable)) is that a "initial deposit"? On my upcoming trip the depostit is $800 payable now and the balance is 14,000 payable say 60 days before trip.. When do I need to buy insurance to get pre-existing conditions waiver?- Norman K,03/25/2020
Answer:
Typically, to be eligible for the pre-existing conditions waiver, you would need to purchase your insurance plan within 10-21 days after putting any money down towards your trip. This could include the initial deposit for your trip. Keep in mind that there are other requirements that must be fulfilled in order to be eligible for the pre-existing condition waiver, such as insuring the full pre-paid, non-refundable cost of your trip, you (and any others that would be covered by the waiver) must be medically fit at the time of purchase, and you must be purchasing within 10-21 days after making any payment toward your trip. It is important to read your policy details which will list all requirements.
Question:
Traveling in June from Charleston to Mexico for a surfing trip can you get travel insurance if the borders are close due to the virus issues currently?- MarkG,03/16/2020
Answer:
We can only suggest looking into "cancel for any reason" as this is considered foreseen at this time, and this is not something covered with Trip Cancellation. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page. If you are outside that time frame this benefit is not going to be available.
Question:
Can I buy travel insurance before purchasing a plane ticket- Chad,02/04/2020
Answer:
As soon as you have some sort of insurable interest (any money spent towards the trip) you can purchase a comprehensive travel insurance policy. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
We are traveling to Europe next summer and just purchased airline tickets, but won't be booking the ground arrangements (bike tour) until early next year. Should I buy the insurance now and include an estimate of the bike tour cost, or do I need to have the ground arrangements under deposit before I buy the insurance? Thanks.- Kathy,11/17/2019
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons. You can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly.
Question:
I am travelling with my daughter and grandson who purchased a cruise , flight and hotel stay for me to join them . Can she insure all 3 of us or do I need to insure myself when expenses have been paid by her ?- Tina B,10/03/2018
Answer:
If you live in the same state and travel on the same dates, you can all be listed on the same policy together with most providers. If you live in different states or travel on different dates, you would need separate policies. Each traveler would insure their portion of the total trip cost on their policy, even if one person is paying for all of the travel arrangements.
Question:
To purchase a policy, do I enter my age on the first day of the cruise, or at the time I purchase trip protection?- Renee,07/31/2018
Answer:
When filling out the quote form, we ask to please list the traveler's age as of the date you are obtaining the quote, not the age you will be at the time of the trip.
Question:
I already booked a condo for March 24-31 and paid in full. Can I get coverage for just that portion or is it too late? WE are driving, so no flights involved.- Debra,03/13/2018
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
WE just put a deposit down today on a cruise that will not happen until October 2019. Because the price was very good, the deposit was almost the entire cost of the cruise. However, we will not be purchasing flights until probably this time next year. I would like to purchase insurance now, but how do I do that when i do not know the cost of the flights yet? Can I add them later and pay the additional cost?- PattiJ,03/05/2018
Answer:
Yes. You can insure what you have paid for to date, and once you make subsequent payments towards the trip, you can contact us and update your existing policy accordingly, as long as you contact us prior to departure.
Question:
Which costs should I include in my total trip price? Everything I expect to spend or only costs paid in advance prior to the trip start? For example, should I include hotel and transfer costs that I will pay upon arrival? Thank you.- WendyM,08/16/2017
Answer:
You can insure all non-refundable travel arrangements that are paid for prior to departure (prepaid) except the cost of your own time share or the cost to obtain a visa or passport. If you are paying for travel arrangements once you are already on your trip, that wouldn't be insurable.
Question:
If a flight delay causes us to miss our cruise ship departure how will the insurance help us at that time?- RichardP,06/29/2017
Answer:
For this concern, you would need a policy that includes "Missed Connection" benefits. This benefit typically covers the additional transportation expenses incurred to catch up to the departed cruise or tour, and also reimburses the unused portion of the trip that you missed out on because of the delay. Please click on the Travel Delay benefit when viewing quotes to find details regarding Missed Connection.
Question:
What if you have an emergency medical situation where you're unable to travel or require hospitalization beyond the scheduled return date? Is your coverage extended?- Lois,06/22/2017
Answer:
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. Most policies state that coverage will extend if you are delayed or hospitalized for a covered reason. Please check "when coverage ends" in the policy certificate for this information.
Question:
Can I wait until the day before the trip to buy travel insurance?- JanetF,05/21/2017
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
i will be flying from philadelphia to Salt Lake City, and returning from Salt Lake City to Philadelphia. I am using a frequent flyer. .....Is the flight covered in my trip insurance? Do I add the cost to my total amount, and if so, what do I use. Prices are different for refundable and non-refundable. ....Lost baggage covered? ....Anything else covered with respect to the flight?- judiW,04/29/2017
Answer:
You are able to insure all prepaid non-refundable travel arrangements including the taxes and fees you would pay to redeem the miles or points. Most policies will cover the re-deposit fee up to a specified amount listed in the policy certificate if you had to cancel your trip and re-deposit the miles or points back in to your account. The comprehensive plans that offer Trip Cancellation coverage also include coverage for trip delay, as well as baggage loss and delay coverage.
Question:
We are planning a family reunion, with 8 relatives meeting up in New York State, but coming from MA, TX, and FL. How can I best insure this trip? Are we all considered traveling companions if we come from different locations? Do "traveling companions" need to be on the same policy, if we need to cancel because one member of the family is ill? We are renting a house together and sharing the costs.- BrenH,04/17/2017
Answer:
Since you all reside in separate states, you would need to purchase separate policies. You do not have to be listed on the same policy together to be considered Travel Companions. Please check the definition of Travel Companion in the policy certificate to get a better idea of how that is defined.
Question:
I paid for our cruise in full. Is it too late for me get travel insurance?- RC,04/06/2017
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
if i buy travel insurance for my grandson do i have to put my address or his on the form- terence,03/04/2017
Answer:
For the resident address, you would want to list the traveler's information, but for the billing address, you can list your information if you are purchasing it for someone else.
Question:
We have a medicare part F insurance coverage. What do you recommend for this situation???- Linda,02/26/2017
Answer:
Please fill out the quote form with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our single trip medical plans provide both medical and medical evacuation coverage when traveling outside of your home country.
Question:
We paid to the Japan's tour company for a part of our trip to Japan (50%) by a money transfer through the bank, the rest 50% we have to pay upon arrival in cash. We don't have any money trace besides our receipt from the tour operator 1) Will this receipt work for travel insurance purposes? 2) Will travel insurance cover our cost if lets say tour operator is out of business? 3)Does it cover our money if any natural events in Japan? 4) How do we prove to travel insurance company our payments in cash? 5) Is tour operator receipt considered a document?- InnaM,02/25/2017
Answer:
You can only insure prepaid non-refundable travel arrangements. You cannot insure arrangements that you are paying for once you arrive at your destination. You will need documentation proving your trip cost, if you do not have some sort of documentation, your claim will most likely be denied. Most of our policies do offer coverage for an unforeseen Financial Default of a travel supplier, however some policies may require you to purchase within a certain time frame from the initial trip payment date in order to qualify for this benefit.
Question:
What is considered a "pre-existng medical condition? If a person has been found to have an arrythmia, but formal testing has not commenced, would that constitute a pre-existing medical condition? If we put a deposit down October 31, 2016, and the trip was fully paid in January, can we purchase a trip cancellation and medical costs insurance policy that would cover whatever we need?- JoyC,02/14/2017
Answer:
If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage, unless you have a waiver. A Pre-Existing Condition is any treatment, diagnostic tests or exams, any recommendations for diagnostic test or exams, or any adjustments in medication up or down within the pre-existing condition period stated (depending on the company, 60 – 180 days prior to the effective date). Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 to 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.
Question:
I made my first trip payment in March 2016. The trip is not until May 2017. I have not purchased trip insurance yet. Is it too late?- Ace,11/23/2016
Answer:
You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
Question:
Should I purchase a policy for each trip, or can I purchase it to cover multiple planned trips?- Steven,10/22/2016
Answer:
If you are interested in travel protection benefits such as Trip Cancellation and Trip Interruption, you would need to purchase a comprehensive policy for each trip you have planned. If you are only interested in medical coverage for trips outside of your home country, you can purchase a Multi-Trip Medical plan to cover multiple trips throughout the year.
Question:
are we covered for cancellation if a non family member we are traveling with has to cancel due to illness or unforeseen emergency- nancyP,04/26/2014
Answer:
The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote. The easiest way to help you narrow the search is to call us at 800-487-4722 and we can help find the best plans for your particular concerns.
Question:
We have just booked our condo and paid the down payment for our trip to Grand Cayman 6 months from now, but we want to wait to purchase our airline tickets, hoping they will go down in price. I want to get the "cancel for any reason" coverage, but how can we estimate our trip cost without knowing how much are flights will be? Can we wait to purchase the coverage until we book our flights?- LaurieS,01/05/2014
Answer:
Cancel For Any Reason requires you purchase your policy within the specified time frame (Policy Specific, 10/14/21 days) of your INITIAL trip payment. You should not guess on other expenses, because if you over insure you will not receive a refund for over payment of premiums. Once you book your airfare, you would need to call us within the 10/14/21 days (Policy Specific) of booking the airfare to add it to your policy, pay any additional premium due, and you would keep your optional coverage, Cancel For Any Reason.