Question:
My father has diabetes for over 20 years and is in stable condition. He has undergone a heart surgery 3 years ago and is very stable since then. He is healthy and has been declared medically fit to travel to US. Will any insurance plan cover him? If so, can you point me to the one so that I can buy it?- PrakharM,05/27/2017
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. 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:
I am looking to purchase travel insurance for my mother. What conditions are considered pre-existing conditions for a stroke? She has never had a stroke but is worried about having one while overseas. Thank you.- TheodoreO,05/01/2017
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 had 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:
Prostate Cancer probably present 12 month plus prior to purchase of airplane ticket and policy Unexpected complications following proton radiation treatment. Trip cancelled prior to day 1. Policy purchased with airplane ticket. Will comp honor claim?- FrederickR,04/10/2017
Answer:
If the reason you are canceling, interrupting or seeking medical coverage is related to pre-existing conditions there will be no coverage, unfortunately. 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 parents are in a nursing home. If no change is made to their medical treatment or medication dosage within the lookback period and one of them dies while my trip insurance is in effect, will my trip cancellation be covered?- SheriA,03/30/2017
Answer:
As long as the Family Member is stable and not in hospice care, you can purchase a comprehensive plan from any of our providers. 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.
Question:
I had blood clots in 2013 and again in Jan. 2016. I am on blood thinners and have had no further problem and have no other health problems. Am I eligible to get coverage- Deanna A,03/25/2017
Answer:
Yes, you can still purchase a policy for your upcoming trip. 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 meet these requirements, please be mindful of the "look back" period listed on each policy. 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:
Do I have to insure us for the whole amount of the trip? Can Just give a estimate of the amount, realizing I can afford to take some loss. Trip cost can vary for many reasons after you book a trip non refundable travel plans, if not totally booked at the same time- Terry,03/24/2017
Answer:
You can insure any dollar amount you wish to insure, as long as the travel arrangements are prepaid and non-refundable. Please keep in mind if you do not insure 100% of all prepaid non-refundable travel arrangements, you might not qualify for certain benefits such as the pre-existing conditions waiver or cancel for any reason.
Question:
Are there any travel insurance policies that do not have an exclusion for "Mental, nervous, or psychological disorders, except if hospitalized?- Bob H,03/23/2017
Answer:
Generally, this exclusion is an industry standard with all of our providers, unfortunately.
Question:
I have had a defibrillator since 2007 and have cruised many times since then. Is that a preexisting condition?- FrankM,03/23/2017
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:
While on a cruise, you can "book" an open booking with a very small deposit (half or less than the standard deposit) for a savings and perks to be applied to some future, to be determined cruise. For the preexisting waiver, do you have to buy within the (example 14 day) period after deposit, even though date, destination and price are unknown?- JohnS,03/23/2017
Answer:
Typically, this wouldn't be considered the initial trip payment date, as long as no dates or destination is provided after making the deposit. We would highly suggest calling us that way we can assist you with a quote and from there we can contact the provider to see how they view this particular situation.
Question:
If you bought insurance for the full cost of the trip, cancelling within the time period the trip provider states you would get 1/2 of your cost back, would insurance pay just the remaining half?.- LouiseL,03/20/2014
Answer:
Correct. If you are able to recover any portion of your trip cost from your travel supplier, then that amount will not be paid again by the travel insurance. Only expenses that you do not get back can be reimbursed.
Question:
If I buy insurance at the time of my initial deposit and I later decide not to go on the trip and ask for a refund of my deposit within the terms of the agreement, can I also get a refund of the insurance?- SuzanneW,03/14/2014
Answer:
Most of the plans have a 10-14 day review period in which you would receive a refund of premium if you do not need the insurance. If you are filing a claim, you would not also be reimbursed the premium, since the reason you are paying the premium is to be insured to be reimbursed for your claim, not the premium.
Question:
Medical Pre-existing condition waiver: If a small deposit was made through a travel agent over a year in advance (August 2013) for a cruise, would the date for purchase of insurance be that date or the date required for making the final payment (June.2014)?- PeteL,02/20/2014
Answer:
The initial payment made in August would be the initial trip payment, if this was just a case of you putting a deposit down on a scheduled cruise.
Question:
E.g., would my husband's high blood pressure be considered a "pre-existing condition" which would exclude coverage if he had a stroke or heart-attack, etc.- Pat,11/20/2013
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 day 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 diagnostic tests or exams, any recommendations for diagnostic test or exams, or any adjustments in medication up or down in the past 60 days to 3 years (depending on the company). 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.