|
|
Provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted for illness, death or other unforeseen circumstances.
|
|
|
Provides coverage in the event of a terrorist incident. Some plans only provide coverage if you are scheduled to arrive within 30 days of the incident and some plans only offer foreign coverage
|
|
|
Provides reimbursement for lost, stolen or damaged baggage or personal items. This coverage is usually for your entire trip, not just your flight. If you have items valued over $1000 it is best to have these items "scheduled" on your home-owners policy.
|
|
|
Pays for the cost of treatment associated with a medical or dental emergency incurred while traveling.
|
|
|
Emergency Evacuation arranges to medically transport a patient to an appropriate medical facility. Medical Repatriation arranges for a patient to return home to receive care. Repatriation of Remains arranges for return of deceased remains back to the place of residence.
|
|
|
A pre-existing condition is an illness or medical condition that existed before a policy's effective date, usually excluded from coverage. Travel Protection plans may include coverage provided you meet the condition of that insurance carrier. Many carriers provide cover if the policy is purchased within a certain number of days after the initial trip deposit was made. A few carriers provide cover if the policy is purchased before the final payment date. Please refer to the policy summary to determine any conditions for coverage. Some Medical Plans may provide limited cover; Some may cover pre-existing conditions after a specified waiting period, while others do not provide any coverage.
|
|
|
24 Hour Hotline provides the traveler with a broad range of services in the event of a travel or medical emergency including: medical referral and monitoring, legal assistance, emergency message center, emergency cash transfer, arrangement of medical evacuations or repatriations, emergency translations, and pre-trip assistance.
Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the "why buy" heading.
|
|
|
Money back guarantees are provided to allow you to decide if the policy you purchased is right for you. Your guarantee or "free look" period can last for up to 14 days depending on insurance company although it expires as soon as you use the policy by making a claim or reaching your departure date.
|
|
|
Many companies offer additional services that differentiate them against their competitors. We have listed some of these services on the carriers page under the "why buy" heading.
|
|
|
The deductible is a co-pay amount which is the responsibility of the insured. Options vary by plan and can range from $0 to $2500. Deductibles can be charged 1) per policy; or 2) per individual; or 3) per incident, injury or illness; or 4) combination of the above. Most Medical Plans require you to select a deductible option while most Travel Protection plans offer a a zero deductible benefit.
|
|
|
To cover activities such as motorcycle riding, motor scooter riding, mountaineering, hang gliding, parachuting, bungee jumping, caving and heliskiing.
|
|
|
Provides information on whether a plan guarantees issue if eligibility requirements are met or if the plan requires underwriting approval for purchase.
|
|
|
Provides options for payment methods for the specific plan. Some long term medical plans allow for monthly, quarterly, semi-annual, or annual payments, while other plans require full payment for the initial period of cover selected at the time of purchase.
|
|
|
Co-insurance is the percentage of Eligible Expenses, after the deductible, which is the responsibility of the insured. For example, if an insured had a $1,250 claim with an 80/20 co-insurance benefit and a $250 deductible, the insured would be responsible for $450 ($250 deductible plus 20%) and the insurance company would pay the remaining amount of $800.
|
|
|
Provides information regarding options to renew policy including, minimum initial purchase period required to renew, and maximum time period policy may be renewed. Some policies are not renewable, however you may be able to purchase an additional plan. This may require you to re-satisfy any deductible, co-insurance and pre-existing period. Please refer to plan details for additional information.
|
|
|
Provides an accidental death or dismemberment benefit while enrolled in the plan. Type of coverage offered varies with provider and can include one or more of the following: Accidental Death and Dismemberment, Common Carrier (death or dismemberment on any form of public transport) or Air Flight Accident (covers flight portion only). Please refer to policy details for coverage provided.
|
|
|
This information relates to the covered benefit for Prescription Drugs while enrolled in the plan.
|
|
|
Home Country Coverage provides benefits for incidental trips to the Insured's home country. Restrictions and reduced benefits may apply. Some policies provide optional cover for this benefit at an additional cost. Please refer to the policy wording for full details.
|
