Question:
If I am taking a cruise on a Carnival ship do I have to purchase my trip/travel insurance through carnival?- DonnaH,02/01/2022
Answer:
No, you are not required to purchase insurance through the travel suppliers unless they specifically say you have to. You can purchase a comprehensive policy through our website to cover ALL prepaid non-refundable travel arrangements, not just the cost of the cruise. 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.
Question:
Does travel insurance cover illness and hospitalization if it happens while on vacation- Vanessa,10/28/2021
Answer:
Yes. The comprehensive policies and medical policies include medical and medical evacuation coverage for unforeseen illnesses and accidental injuries that require medical attention or hospitalization during the trip.
Question:
When should I purchase my insurance if my trip is going to be on July 2022?- SusanaO,04/02/2021
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:
My initial payment was in May 2019. The trip is in January 2020. Can we still buy the insurance now when we did not purchase it in the 10-21 days mentioned in your website's advice? Also, will we be reimbursed for the whole cost of the trip or just a portion?- SandyH,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. Trip Cancellation reimburses 100% with all comprehensive policies.
Question:
I bought airline tickets for April 2019 . Is it too late to have those covered?- KimS,02/12/2019
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. The Initial Trip Payment is the very first time any money was exchanged for your trip. This would include the use of frequent flyer miles.
Question:
What is the 120/180 day "look back" feature in regard to previous medical conditions- JamesB,12/05/2017
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. For Comprehensive Plans, this is typically 60-180 days. For Medical Plans, it can be up to 3 years. 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:
My domestic partner and I are traveling to Australia in January. His sister purchased the airline tickets on her credit card and we will reimburse her for the cost. Can we purchase the trip insurance if we didn't purchase the tickets directly?- Bee,07/28/2017
Answer:
Yes, that isn't an issue. It wouldn't matter who purchased the travel arrangements, as long as they are prepaid and non-refundable, you insure the cost of the trip.
Question:
I want to have preexisting exclusion waiver so I will buy in appropriate time frame from first deposit. Wondering though if I have to include all trip costs even if they are not prepaid before I leave home for trip such as a hotel that is not prepaid until I checkin to get preexisting exclusion waiver. Also, do I have to include airfare purchased with rapid rewards points in trip cost to get pre-existing exclusion waiver.- Maria,03/06/2017
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. You would only need to insure prepaid non-refundable travel arrangements prior to departure. If you intend on paying for travel arrangements once you are already on the trip, you do not need to insure these costs. If you purchased airfare with reward points or frequent flyer miles, you would need to insure the prepaid non-refundable taxes and fees you paid to redeem the points or the frequent flyer miles.