This page answers frequently asked questions (FAQs) about purchasing travel insurance. If your question isn't listed below, please contact us.
General Questions
- I want to make sure that we choose a reliable insurance company. Are the companies on this website reputable?
- What is the definition of a Pre-Existing Medical Condition?
- What is the Pre-Existing Condition Period?
- When will my coverage become effective?
- Can I purchase a policy if I have already departed on my trip?
- I am interested in travel insurance policies that cover cancellation for any reason. Does this exist?
- What is considered the Initial Trip Payment Date?
- Is it possible to insure the rental of a house or condo?
- I did not receive a copy of my travel insurance policy yet. How long does it take to receive the policy fulfillment?
- I need medical and evacuation coverage in order to obtain a travel visa. Do you offer this type of coverage?
- How do I determine the total cost of the trip?
- Is there coverage for cancellation due to hurricane?
- I made my own travel arrangements and did not go through an agency. Can I insure my trip?
- Are all funds in Canadian dollars?
- Can I view the policy prior to purchase?
Post-Sale
- I made a mistake in entering my data, what should I do?
- What is the little red number #2 near some of the coverages?
- I have additional trip cost that I would like to insure. What can I do?
Site Use
- My child is under the age of 1. How do I enter his or her age on the Quote form?
- I am going to multiple destinations. What should I use for the Primary Destination?
- I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?
- Can I view the policy prior to purchase?
General Questions
Q. I want to make sure that we choose a reliable insurance company. Are the companies on this website reputable?
A. All of the companies on our website are rated by A.M. Best which is an independent organization that rates insurance companies according to their financial strength. You can see each insurance company's A.M. Best rating while comparing or viewing policies on our website.
Q. What is the definition of a Pre-Existing Medical Condition?
A. The definition of a Pre-Existing Medical Condition varies from company to company. Generally, this would be any injury, disease or illness to You, a Traveling Companion, Family Member, or Business Partner occurring prior to and including the effective date of your insurance.
Q. What is the Pre-Existing Condition Period?
A. This is the number of days that the insurance company will "look back" prior to determine if your claim is due to a Pre-Existing Medical Condition. In certain situations, diabetes, cardiovascular disease, cerebral vascular disease, or lung disease may have a "life-time" Pre-Existing Condition Period.
Each Provider has their own number of days that they will look back. Make sure you read your policy documents.
Q. When will my coverage become effective?
A. For All Inclusive and Trip Cancellation Only Plans, coverage begins on the Purchase Date. Make sure you read your policy documents.
Q. Can I purchase a policy if I have already departed on my trip?
A. Unfortunately, these policies cannot be purchased if you have already departed on your trip.
Q. I am interested in travel insurance policies that cover cancellation for any reason. Does this exist?
A. Many policies only cover named perils as listed in the certificate of insurance. There are some plans that do cover the optional Cancel For Any Reason coverage. If you need help finding a plan with Cancel For Any Reason coverage , call us at 800-551-1337.
Q. What is considered the Initial Trip Payment Date?
A. The Initial Trip Payment Date is the date that the money paid towards your trip becomes non-refundable.
Q. Is it possible to insure the rental of a house or condo?
A. All of the companies on our website will provide reimbursement of villa, condo or other rental property as long as there is a written agreement/contract between the insured and the renter. Reimbursement of your prepaid and non-refundable cost will be made if the Trip Cancellation or Trip Interruption was caused by a peril named in the policy.
Q. I did not receive a copy of my travel insurance policy yet. How long does it take to receive the policy fulfillment?
A. Check the email confirmation that you received from InsureMyTrip.com for a link to download the policy. If there is no link, please allow 24 hours for the policy to be emailed to you by the insurance company and check any spam or junk mail folder for the email. If you have not received your policy in the appropriate time, you can contact our Customer Care Agents and we will have the policy resent.
Q. I need medical and evacuation coverage in order to obtain a travel visa. Do you offer this type of coverage?
A. Unfortunately, we do not offer this type of coverage for Canada residents.
Q. How do I determine the total cost of the trip?
A. To determine the insurable cost of the trip, add together the cost of all of your prepaid and non-refundable travel expenses.
Q. Is there coverage for cancellation due to hurricane?
A. While many plans offer no coverage for this, some policies will cover cancellation due to hurricane if your trip destination is under a hurricane warning issued by the NOAA National Hurricane Center. If you need help finding a plan that provides this coverage, please contact our Customer Care Agents at 800-551-1337.
Q. I made my own travel arrangements and did not go through an agency. Can I insure my trip?
A. Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover your prepaid and non-refundable travel arrangements.
Q. Are all funds in Canadian dollars?
A. The C$ indicates that funds are in Canadian dollars.
Q. Can I view the policy prior to purchase?
A. Yes, you can view all coverage details by clicking on the underlined terms in the Product compare or Quote pages. A box will appear showing a description of benefits.
Post-Sale Questions
Q. I made a mistake in entering my data, what should I do?
A. You can send an email to customercareca@insuremytrip.com to make changes to your policy. Please include your order number on all email correspondence. If you prefer, you can call us with your changes at our toll free number (800) 551-1337.
Q. What is the little red number #2 near some of the coverages?
A. This notes that the coverage will be secondary to any primary coverage you may have.
Q. I have additional trip cost that I would like to insure. What can I do?
A. If you have already purchased a travel insurance plan but now have additional trip cost to insure you do not need to purchase a second plan. Our Customer Care Agents are able to assist you over the phone in making this change to your plan. Adding trip cost to your plan will result in a premium increase. There are some coverages that are time sensitive so you should add any additional trip cost as soon as possible.
Site Use Questions
Q. My child is under the age of 1. How do I enter his or her age on the Quote form?
A. For children under the age of 1, enter 0 or <1.
Q. I am going to multiple destinations. What should I use for the Primary Destination?
A. The Primary Destination is the place where you are going to spend a majority of your time while on your trip.
Q. I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?
A. Yes, the quoted premium is the final cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits unless noted by a red asterisk.
Q. Can I view the policy prior to purchase?
A. Yes, you can view all coverage details by clicking on the underlined terms in the Product compare or Quote pages. A box will appear showing a description of benefits.
