Getting Help after you've bought Travel Insurance

There are going to be occasions where you have to make changes to your trip, and the insurance along with it. And while we all hope we never have to use the insurance we buy, it's impossible to predict what can happen when we first start arranging a trip. That's why it's always best to be prepared, know what to expect when the unforeseen happens, and have what you need with you in an emergency situation.

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Question:


Medical Evacuation - is it possible to find a policy that does not include that? We have a yearly medical evacuation policy so don't really need that coverage.
LibbyM,
03/31/2014

Answer:


No, we do not. The Comprehensive Package Plans all include Trip Cancellation, Trip Interruption, Travel Baggage, Travel Delay, Emergency Medical, Dental and Emergency Medical Evacuation. The Medical Plans include Emergency Medical, Dental and Emergency Medical Evacuation.
NicholeH,
Customer Care insureMyTrip
03/31/2014
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Question:


I have found confusing information about what to enter for destination on my cruises. I have a transatlantic I recently researched on your site and it said to use the US since it leaves from there. I have another that is a US roundtrip that goes to the Carribean. What should I do for destinations? Do I need to fix the one I bought for transatlantic.
ToddL,
02/18/2014

Answer:


Generally you would list the destination you will be spending the most time in. Regardless of which destination you list, as long as you will not be going to a destination that is considered restricted, you will have coverage in all of them regardless.
David M.,
Customer Care insureMyTrip
02/18/2014
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Question:


1. Do you enter united States if s cruise starts and ends in the U.S.? 2. We have two passengers on the cruise. Do we enter the cruise cost for one or double for both passengers?
RayN,
02/08/2014

Answer:


You would enter one of the countries the cruise goes to. For example, if it is a Caribbean cruise, you would enter Caribbean. If you are insuring both of you, you would enter the total cost. If you are insuring only one traveler, you would only include the cost of that traveler.
NicholeH,
Customer Care insureMyTrip
02/08/2014
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Question:


When calculating the non-refundable costs of a trip for travel insurance purposes, should the cost of the travel insurance be included?
Carol,
01/23/2014

Answer:


No it should not. The value of the travel insurance can never be insured for.
David M.,
Customer Care insureMyTrip
01/23/2014
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Question:


I am looking at various trip insurance policies and can't find the answer to this question: If I have an insurance policy that covers both trip cancellation and interruption due to the illness of a family member who is at home and not traveling with me, does his or her pre-existing medical condition affect this coverage? It's not clear whether the pre-existing condition exclusion is limited the insured traveler.
Carol,
01/23/2014

Answer:


The answer to this question depends on which policy you're looking at, actually. Certain policies will look at the pre-existing conditions of a non-traveling family member the same as they will for a traveler. Others won't look at the existing conditions and will cover a medical emergency for non-traveling family members as long as it was unforeseen. Now bear in mind that certificates for these plans do change, so it is ALWAYS important to review the terms of a policy before purchasing. Now, with that said, when you view the details for a policy, click on the look back period for that plans pre-existing conditions exclusion(60-180 days). This brings up the wording for that plan. Most comprehensive plans that will NOT look at the existing conditions for non-traveling family will say the exclusion applies to "you or your Traveling Companion or Family Member who is scheduled or booked to travel with you". The key point here is the 'booked to travel with you', which indicates that they will only look at pre-existing conditions for family who are traveling with you.
David M.,
Customer Care insureMyTrip
01/23/2014
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Thanks so much for the speedy response. I'm interested in the CSA Custom policy. Can you help interpret the response to my original question with regard to this particular policy?
Carol,
01/23/2014
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If you click on the Pre-Existing Condition Period for the CSA plans, it reads as follows: means an illness, disease, or other condition during the 180-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. Therefore, the look-back for pre-existing conditions only applies to travelers and not to non-traveling family members.
NicholeH,
Customer Care insureMyTrip
01/25/2014
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Question:


Is this insurance available for Cruise's
PattiK,
12/24/2013

Answer:


Yes, this insurance is available for cruises. You can insure your cruise with any of the comprehensive policies that we offer. If you are traveling to multiple countries, you can enter the country you are staying the longest for you destination. If you are visiting the countries for an equal amount of time you can enter the country furthest from your home. You can also purchase travel medical policies that will cover you for unforeseen illnesses and injuries while traveling outside of your home country.
MattM,
Customer Care insureMyTrip
12/24/2013
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Question:


In reviewing a Comprehensive Policy I read that "coverage is not provided for the Bankruptcy or Default of the agency from whom the insured purchased Land/Sea arrangements." Is that referring to a tour company from whom I made arrangements for tours, etc. at my destination?
Sharon,
12/08/2013

Answer:


Most, if not all policies have a clause similar to your question that states: Bankruptcy or Default of an airline or cruise line or tour operator or travel supplier (other than the tour operator or travel agency from whom You purchased Your travel arrangements) which stops service more than 14 days following Your Effective Date. Since the policy certificate is the same for whatever entity sells the policy (InsureMyTrip, Cruise Line, Tour Operator, Travel Agent), this disclaimer means that if you buy your insurance through the same company you bought your travel arrangements through, you will not have coverage for financial default. In theory, a dishonest company could sell you a trip and insurance at the same time, knowing at the time of the sale that they are going bankrupt and weren't going to actually have the trip. They sell you the insurance as a way to keep your money dishonestly, and then have you file claim with Insurance to recover your losses. This is why the insurance companies do not provide Financial Default when buying insurance through the same company you are doing your trip with. When you purchase a policy through Insure My Trip, that clause would not apply. Since we are a third party comparison site, and do not sell travel arrangements, our policies are able to offer financial default coverage.
ChristopherG,
Customer Care insureMyTrip
12/08/2013
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Question:


We are traveling to India through Dubai. If for some reason we can not proceed to final destination India is the trip cost covered for claim
ArifaQ,
12/06/2013

Answer:


It would need to be due to a covered reason. You would want to view the Comprehensive Package Plans. 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 an immediate 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. This may also be covered under Travel Delay.
NicholeH,
Customer Care insureMyTrip
12/06/2013
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Question:


Is the Trip cost the total trip cost of my cruise ( gas, spending money, cruise fare, food? Or just the cost of my cruise?
ChrisH,
12/04/2013

Answer:


The trip cost includes only expenses that are pre-paid and non-refundable. So of the expenses you have listed, only the cruise would be insurable.
David M.,
Customer Care insureMyTrip
12/04/2013
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so, if I am making a deposit now for a trip one year from now. Can I insure just the deposit amount now. And when I get closer to the actual trip date, insure the rest? Their cancel policy is 60 days so for now all I have at risk is $1000 on a $15K trip.
ElisaS,
12/25/2013
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The answer to your question varies depending on what plan you are looking at. If you are concerned with optional coverages such as: Pre Existing medical conditions waiver, or Cancel For Any Reason, you would need to insure the entire out of pocket amount paid so far, regardless of how much is refundable at some point in time. Some policies even go as far as to say that since you know the entire trip cost, you would need to insure the entire trip cost up front, even if only part of the payment is due to get Pre Existing medical conditions waiver, or Cancel For Any Reason. if you do not want to get these optional coverages you could insure what ever amount you want, keeping in mind the most you could get back at the time of a claim would be the total you have insured.
ChristopherG,
Customer Care insureMyTrip
12/27/2013
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