Can You Help Me Understand My Travel Insurance Policy?

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.

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.

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.

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.

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.

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).

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.

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.