I have a question about this subject!

Question:


Going on a 10 Day Cruise out of Copenhagen Denmark on NCL. There will be 4 of us. If one of us were to become sick or injured on the ship will the medical insurance cover the cost to the ship's doctor?
- Rose,
01/21/2020

Answer:


Yes, the Medical coverage included with the policies can be used on the cruise ship as well if you have to see the onboard physician. The medical coverage is designed to cover unforeseen illnesses and accidental injuries.
- MattG,
Customer Care insureMyTrip
01/22/2020

Question:


Do the travel medical insurances supply CASH to pay medical bills (hospital, clinic) when you are in say.. Mexico... From what I understand most hospitals and clinics demand you pay the bill in full before you leave and don't take credit cards or checks? OR do all insurances require you to send a receipt for reimbursement?
- Mary,
10/18/2017

Answer:


Typically, all claims are handled on a reimbursement basis. Any expenses incurred when traveling would have to be paid at the time of the loss and you would file for reimbursement once you return home by submitting a claim with the insurance company.
- MattG,
Customer Care insureMyTrip
10/18/2017

Question:


medicare does not cover outside the country illness, however I have Plan F AARP supplemental coverage that covers 80% of medical expenses within 60 days of travel. Do I still need travel insurance?
- afred,
07/28/2017

Answer:


You can purchase a Single Trip Medical plan to cover the expenses that are not covered with your supplemental health plan. Our single trip medical plans provide secondary medical, dental and medical evacuation coverage when traveling outside of your home country. These plans can be found under the Medical tab once you arrive on the results page after completing the quote form on our home page.
- MattG,
Customer Care insureMyTrip
08/02/2017

Question:


Travelling to Italy on June 27. I have overseas medical insurance. I only need medical evacuation and repatriation insurance. How do I get that? and whats the costs?
- MaryG,
06/08/2017

Answer:


Please fill out the quote form with your trip details and once you arrive on the results page, please select the Evacuation tab to view our evacuation plans. If there are no plans available, you can view our single trip medical plans under the Medical tab as these plans also include evacuation and repatriation coverage as well as secondary medical coverage.
- MattG,
Customer Care insureMyTrip
06/10/2017

Question:


Hi, if i purchase travel medical insurance and then change my mind, can I get a full refund?
- surina,
06/05/2017

Answer:


Typically, the single trip medical plans can be cancelled any time prior to the departure date listed on the policy.
- MattG,
Customer Care insureMyTrip
06/06/2017

Question:


My husband ha a pre-existing conditions and are fit to travel. Do you have any medical travel insurance will waive the pre-existing condition and cover from June 18 till July 12?
- Rachel,
06/01/2017

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.
- MattG,
Customer Care insureMyTrip
06/05/2017

Question:


My husband and I are currently covered by a Medicare, our Medigap insurance does not include foreign travel. Neither of us has a preexisting condition, does our age preclude purchasing travel health insurance?
- Anne Maarie,
05/18/2017

Answer:


No, that should not be an issue at all. Please fill out the quote form with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our single trip medical plans provide both medical and medical evacuation coverage when traveling outside of your home country. Most of these policies offer secondary coverage, however secondary will act as primary if your primary insurance does not cover you at your destination.
- MattG,
Customer Care insureMyTrip
05/20/2017

Question:


Hello My boyfriend and I are quitting our jobs and traveling around the US for about 6 months. If we do not have a separate primary insurance, will the insurance through insuremytrip cover medical emergencies, or do we need to have a separate primary insurance? Thank you! Laura
- Laura,
04/06/2017

Answer:


Only certain providers state that Primary coverage is required. Essentially, the secondary coverage that is offered on the policies will act as primary if you have no primary coverage at your destination. Please note all claims are handled on a reimbursement basis, so you would pay out of pocket for any expenses incurred, and once you return home you would file for reimbursement by submitting a claim to the insurance company's claims department.
- MattG,
Customer Care insureMyTrip
04/12/2017

Question:


Can we buy travel medical insurance going to Philippines with 5 months coverage?
- Rey,
03/30/2017

Answer:


Yes. Please fill out the quote form with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our single trip medical plans provide both medical and medical evacuation coverage when traveling outside of your home country. There should be plans available that offer coverage for up to one year.
- MattG,
Customer Care insureMyTrip
04/01/2017

Question:


I am travelling to Nepal to trek to Everest Base Camp(5380m) and to climb Mt Kala Patthar (5,655 m) and I want to buy a travel insurance that include medical evacuation. Does your travel insurance cover medical evacuation trek to such height? Which product in your company will be most suited for such coverage?
- JaniceL,
03/23/2017

Answer:


Our policies would cover this type of activity, however, you would want to double check the exclusions section to be sure trekking / mountain climbing is not excluded. Please do not hesitate to call us if you would like someone to assist you with a quote over the telephone.
- MattG,
Customer Care insureMyTrip
03/27/2017

Question:


we have travel insurance till April 10th but would like to stay four or five days longer. Is it possible to purchase top up insurance by the day rather than for loner periods?
- MarieR,
03/15/2017

Answer:


With our comprehensive policies that include trip protection, generally you are required to insure from the time you leave home until the time you return back to your home. These plans can only be purchased prior to departure and you have to be a resident of the United States. You can purchase a single trip medical plan and these plans allow you to choose the days you want covered. The single trip medical plans provide medical and medical evacuation coverage when traveling outside of your home country.
- MattG,
Customer Care insureMyTrip
03/16/2017

Question:


I am wearing an external defibrillator for three months following a ventricular event. My husband has been treated for atrial fibrillation for years. Can we get medical coverage for a week in Mexico?
- Tricia,
03/13/2017

Answer:


Yes, that shouldn't be an issue. However, our policies generally only cover unforeseen illnesses or injuries that occur. Please keep in mind, 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).
- MattG,
Customer Care insureMyTrip
03/14/2017

Question:


I am a Canadian Citizen , have my US Green Card & am living permanently in Bellingham , Washington. I travel twice a week to British Columbia for physiotherapy & I am there for approximately 2 hours. Is there a travel insurance that I can purchase for these short visits. Thank you.
- PaulB,
03/09/2017

Answer:


Unfortunately, our policies won't offer coverage if the purpose of your trip is to see medical coverage.
- MattG,
Customer Care insureMyTrip
03/14/2017

Question:


I am climbing up mountain to 6500 metres in Nepal,.. Does this policy cover me for medical and evacuation from mountain/
- DianneP,
03/06/2017

Answer:


Generally, you would need a policy that offers point of injury evacuation, but please keep in mind all claims are handled on a case by case basis. We would highly suggest calling us so we can go over the details from the policy certificate thoroughly with you.
- MattG,
Customer Care insureMyTrip
03/08/2017

Question:


TRAVELING TO SPAIN IN APRIL 2017. I WOULD LIKE MEDICAL COVERAGE AND COVERAGE FOR TRIP CANCELLATION
- BARBARAK,
02/27/2017

Answer:


We do not have set rates for our policies, as the rates are based on the trip criteria. Please fill out the quote form with your trip details to obtain a quote. If you are interested in trip cancellation and other travel protection benefits, please view the plans under the “Comprehensive” tab when you arrive on the results page. Comprehensive travel insurance 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 and interruption, travel delay, baggage, 24-hour assistance and some travel medical benefits.
- MattG,
Customer Care insureMyTrip
02/28/2017

Question:


We will be on a cruise to 6 different countries. Do the medical plans cover us while on board the ship, at sea, and in each country we visit? Thanks.
- Marie,
02/22/2017

Answer:


Yes, as long as you are not traveling within your home country, you will be covered with our medical plans.
- MattG,
Customer Care insureMyTrip
02/23/2017

Question:


I have had two DVTs (blod clots) 2011 and 2013. 2 pulmonary embolisms in 2011. I am being treated by a spealist and I am tested every 6 months. I am stable to travel, but We have already completely paid for our travel Air and Cruise. We don not travel until May 27. My question will I be covered medically and evacuation if I have another blood clot. Also can I get any coverage since I have already paid in full.
- CraigG,
02/18/2017

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). 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 10-30 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.
- MattG,
Customer Care insureMyTrip
02/22/2017

Question:


What are the rates for medical travel insurance?
- LynneW,
02/13/2017

Answer:


For our medical plans, the rates are based on your age and the duration of the trip. Please fill out the quote form with your trip details and once you arrive on the results page, please view the plans under the medical tab. Our single trip medical plans provide both medical and medical evacuation coverage when traveling outside of your home country.
- MattG,
Customer Care insureMyTrip
02/14/2017

Question:


My husband had a cardioversion on December 8 for atrial fibrillation. The company we use usually Medipac has a 60 day stability clause and we are leaving Feb 10 so they didn't have enough time to underwrite. Can you give me a company that will underwrite a preexisting condition? He is stable now.
- NormaJ,
02/06/2017

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.
- MattG,
Customer Care insureMyTrip
02/07/2017
I still have a question about this subject!