I have a question about this subject!

Question:


I live in the United states and I do not have medical coverage, I am going on a trip to the Dominican republic and I want to purchase insurance. Do these plans cover me even though I do not have insurance in my home country?
- ChristopherA,
04/30/2019

Answer:


Yes absolutely. As long as it doesn't say "Primary Coverage Required" on the quote you can be covered.
- MattG,
Customer Care insureMyTrip
04/30/2019

Question:


I have medicare and a supplemental policy, but my understanding is Medicare does not cover you outside the U.S. So if your policy only provides secondary coverage does it means a person with Medicare would not be covered?
- Tyles,
03/10/2019

Answer:


The Secondary coverage offered with travel insurance will essentially act as Primary coverage if your existing Primary insurance does not cover you at your travel destination. You would first file a claim with any existing insurance (Primary)and for whatever amount they do not cover, you would then file the claim with the travel insurance provider up to the policy limit.
- MattG,
Customer Care insureMyTrip
03/11/2019

Question:


I am not happy to spend $800-$1000 to insure a $9500 trip (total cost) that will include $5000 for the tour package and $4500 for the not-included airfare and a few incidentals that I would buy independent of the tour packager. So, when I go to compare insurer prices, do I have to list the entire trip cost as the amount to insure, or can I just enter half of the full trip cost (in other words, "self-insure" the remainder)?
- RobertK,
02/11/2019

Answer:


You are always able to self insure a portion of the trip cost if you wish to do so. There are certain benefits that require you to insure 100% of all prepaid non-refundable travel arrangements such as a pre-existing conditions waiver and the cancel for any reason benefit. As long as you are not interested in either of these benefits, it is perfectly acceptable to insure just a portion of the trip cost if you elect to self insure the rest of the trip cost.
- MattG,
Customer Care insureMyTrip
02/12/2019

Question:


How do I indicate on the quote form that I am traveling to multiple countries?
- GLENNB,
09/16/2018

Answer:


If traveling outside the United States, enter the country where travelers will be spending the most time. If spending equal time in multiple countries, choose your first international destination. If taking a cruise, enter the first international port of arrival as your destination.
- MattG,
Customer Care insureMyTrip
09/17/2018

Question:


If we purchase non-refundable airfare and have an eligible reason to cancel our trip, that will be covered - correct?
- Janet,
01/29/2018

Answer:


Yes, if you have to cancel for a covered reason listed in the policy certificate, you are reimbursed 100%. 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.
- MattG,
Customer Care insureMyTrip
01/30/2018

Question:


How far in advance of travel should coverage be purchased?
- Sandra,
01/08/2018

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 10-30 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
01/11/2018
I still have a question about this subject!