Question:
If I book hotels for my trip that can be cancelled up to a day before my trip starts, do I have to include the cost of the hotels in my trip total- Fran K,01/22/2023
Answer:
If you woke up on the day of departure and had to cancel the trip for a covered reason, whatever money you stand to lose on that day is what you would insure. Any travel arrangements that are fully refundable if you cancel on the day of departure does not need to be insured.
Question:
Can I purchase the insurance before purchasing ticket- VeniceG,06/28/2021
Answer:
You have to have some sort of money spent towards the trip before buying a comprehensive policy. Comprehensive Plans are the most widely known form of coverage and are often called package plans. Typically, a Comprehensive Plan will offer a variety of benefits for travelers, covering a wide range of concerns. Most provide coverage for Trip Cancellation, Trip interruption, Baggage loss, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death. 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 want to purchase comprehensive insurance with the pre-exisiting waiver, it says to cover the full non-refundable cost of the trip. What if I have only paid a small deposit on a cruise. May I purchase the insurance based on the cost of the deposit (within the 10-21 days after the initial payment) and as I make additional payments, increase the policy cost and meet the requirement for the pre-existing waiver?- PatriciaT,04/23/2020
Answer:
Yes, you can purchase your insurance now and insure the amount you have paid out of pocket so far and increase the insured trip cost as you make future payments. There are a few requirements that must be met to qualify for the pre-existing conditions waiver, such as but not limited to, you (or anyone covered by the waiver) must be medically fit at the time the policy is purchased, insure the full cost of your trip and be purchasing the insurance within 10-21 days after making your initial payment/deposit. This time sensitive period may differ depending on the company. As you make future payments toward you trip, you will want to add those expenses to your policy (within 10-21 days after making the payment). It is important to read the full details of your policy which will include the time sensitive period and any other requirements to qualify for coverage. If you have questions while you are reviewing plans, please contact our Customer Care department at 800-487-4722.
Question:
Is this per trip insurance only or can you also get an annual multi trip plan with a pre existing condition- Bruce,04/15/2020
Answer:
Comprehensive plans that offer coverage for pre-existing conditions (through a pre-existing condition waiver) are available on a per-trip basis only. All eligibility requirements must be met in order to qualify for the pre-existing condition waiver such as, but not limited to, insuring the full cost of your trip, purchasing your plan within 10-21 days after making your initial trip payment and being medically fit a the time the policy was purchased.
Question:
I just booked a cruise, and I am purchasing travel insurance. I have a question, and the cruise company suggested I ask you directly. My mother is 93 and healthy. She is not traveling with me, However my concern is always that if something serious should happen to her either right before my trip or during my trip, would I be covered by trip cancellation?- NancyP,01/24/2019
Answer:
Yes. 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. This applies to all comprehensive policies we offer and it extends to non-traveling family members. Trip Cancellation reimburses 100%.
Question:
We are traveling to Aruba in the fall. Both me and my husband have Medicare primary and Mutual of Omaha secondary. Do we need to buy Health Insurance and Transportation Insurance back to the US for this trip should we need to return to the US for medical care? We understand Medicare does not pay in Aruba.- BrendaB,07/17/2018
Answer:
If you have no existing medical coverage at your travel destination, it is highly suggested to obtain a travel medical plan for your trip. Please fill out the quote form on our home page, www.insuremytrip.com 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:
What if we book say a 14 day cruise 18 month out and buy insurance which for us would be pretty expensive, but cancel the cruise (changed our mind) 12 month out where we would get all of our deposit back, we would be out the premium for the insurance. Right? Or can you cancel the insurance also??- Maria,03/14/2018
Answer:
Generally, the insurance is only refundable within 10-15 days from when the policy is purchased. The "Review Period" is listed on each policy and can vary depending on the state you live in.
Question:
If I am being tested for cancer but as yet have no diagnosis is this considered a pre-existing condition? I am afraid I'll need Chemo or radiation and won't be able to travel.- Kevin,12/15/2017
Answer:
This would be considered foreseen and for this type of concern, we would suggest looking in to "Cancel for Any Reason. There are 3 conditions that must be met to purchase a Cancel For Any Reason Rider as follows: 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, most of the policies will reimburse you 75% of your trip costs, unless otherwise noted.
Question:
My husband has a pre-existing medical condition. Can we still by travel insurance to cover everything but that condition?- Pat,06/09/2017
Answer:
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. If you do not qualify for the wavier, you can still buy a policy to cover unforeseen illnesses or injuries that arise. 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).
Question:
I had two valve replacement 13 years ago, now I have two artificial valves, my condition is stable and I am on medications, how can I find an insurance that cover any urgent situation while I am abroad.- KhamisA,04/23/2017
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:
would a muscular atrophy condition where muscles​ are slowly deteriorating be considered a pre existing conditions? There are no known treatments for the condition.- Tony,04/01/2017
Answer:
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:
Am having a hard time trying to figure out what trip interruption/cancellation insurance to purchase for my mother, whom I'm accompanying on a 7-day Caribbean cruise to celebrate her 100th birthday. She is in relatively good health and doesn't have any heart, blood pressure, diabetes, etc. problems, but seems to me there are a lot of potential loopholes with a 100-yr-old that could fall under a "preexisting condition" definition. Plus, I'm finding the cost of this insurance for her could be higher than the non-refundable portion of the trip would be, so am really conflicted. Suggestions/thoughts?? Thanks!- CarolH,03/20/2017
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. I would highly suggest speaking with a customer care representative that way we can go over these details with you thoroughly and we can also assist you with finding a policy as well. Generally, the insurance rates are based on, but not limited to, age, trip cost, and the duration of the trip.
Question:
For coverage of ore-existingg conditions, I know one must insure entire travel cos that is nonrefundable. Does this part that must be insured considered nonrefundable 1) if airline allows you to use the money for another flight within a year ? Or 2) must you pay cost of insurance if you use airline frequent flyer points or credit card points?- Pat,02/24/2017
Answer:
You could either insure the cost of the prepaid non-refundable ticket or you can accept the credit from the airline and not insure the cost of the ticket. For tickets paid with points or miles, you can only prepaid non-refundable taxes and fees you pay to redeem the miles or points, please keep in mind.
Question:
Can you please list the insurance companies which provides coverage for Preexisting conditions?- pradeepa,02/09/2017
Answer:
Unfortunately, there isn't a set list of providers that offer this benefit. The easiest way to see plans that offer this benefit, if you qualify, is by selecting the filter labeled Pre-Existing Condition Waiver once you arrive on the results page. 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 suffered a minor heart attack and as a result had a triple bypass 15 months ago. I am 66 and work 20 hours a week delivering prescriptions for my local pharmacy. I consider my condition to be stable as i have suffered no further episodes,been signed off by my consultant and have no changes to my medication.Is this considered pre existing?- johnM,05/26/2014
Answer:
Each plan has a Pre-Existing Condition Period, The Pre-Existing condition period is the number of days that the insurance company will "look back" from the date the insurance was purchased, to see if your claim is related to a Pre-Existing Medical Condition. If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage. 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 policies 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:
How does pregnancy fall under pre-existing? Healthy pregnancy, no medication, no treatment.- DevanB,04/06/2014
Answer:
Pregnancy is not a preexisting medical condition, it is a foreseen event, it is currently on going.The preexisting medical condition waiver does not apply to pregnancy.
Question:
Is an artificial joint (i.e., hip replacment) considered a "pre-existing" condition of there have been no complications and one year after surgery there are no problems with the hip?- EugeniaA,01/11/2014
Answer:
Each plan has a Pre-Existing Condition Period, The Pre-Existing condition period is the number of days that the insurance company will "look back" from the date the insurance was purchased, to see if your claim is related to a Pre-Existing Medical Condition. If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage. 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 days to 3 years prior to the effective date). Most policies 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:
If I put a down payment on my trip one day and the next was hospitilzed am I then not eligible for a pre-existing waiver even if I was looking to buy insurance that week?- Cameron,12/16/2013
Answer:
It depends on the situation. In order to get the pre-existing conditions waiver you must be medically fit to travel when applying for the insurance, and you must be buying the plan within the specified number of days. Furthermore, even with the pre-existing conditions waiver, the illness or injury that prevents you from traveling must still be unforeseen as of purchase.
Question:
Is high blood pressure that is controlled by medication generally considered to be a pre-existing condition in the event of a heart attack?- Sharon,12/01/2013
Answer:
That would depend on what was in your medical records and how the claims department would interpret those records. We recommend that if you are able to purchase a policy with a Pre-existing Medical Condition Waiver, you do so. Other-wise, look for a plan with a 60 day look back (pre-existing period) as this is the shortest amount of time a company will look back into medical records to determine if a loss is due to a pre-existing medical condition.