Archive for September 2007

I would like to purchase a cancellation policy for an amount less than my trip costs. May I self insure for a portion of the trip?

Published by Chris Harvey September 28, 2007

Some travel insurance plans require you to insure the full prepaid non-refundable trip costs for any claim. Some plans require you insure the full prepaid, non refundable trip costs to obtain certain benefits such as the waiver for pre-existing conditions if purchased within the advantage period. A few policies allow you to insure an amount ...

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What is the difference between trip cancellation and trip interruption?

Published by Chris Harvey September 21, 2007

The “trip cancellation” benefit covers you in the event you have to cancel your trip due to a covered reason listed in your travel insurance policy prior to your departure date. Trip interruption benefit covers you in the event you have to interrupt your trip for the same covered reasons after your departure date, but ...

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Does the pre-existing condition exclusion apply to a non traveling family member?

Published by Chris Harvey September 18, 2007

For most all travel insurance policies, the pre-existing condition exclusion does apply to a non-traveling family member and the sickness or injury which requires cancellation, interruption or delay of your trip must be unforeseen. Each policy has a “look-back” period of between 60 – 180 days prior to the effective date to determine if a ...

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I am currently taking prescription medication. Will this be considered a pre-existing condition?

Published by Chris Harvey September 17, 2007

For many policies, in the event a medical condition is treated or controlled solely through the use of medication (i.e. high blood pressure, diabetes) , and there has been no adjustment or change to the medication during the policy’s “look back” period,  the condition would not be considered a pre-existing condition. The “look back” period varies ...

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Am I required to insure the full prepaid, nonrefundable trip costs when I purchase travel insurance?

Published by Chris Harvey September 12, 2007

Most travel insurance companies recommend you purchase insurance for the full prepaid, non refundable trip costs.  In the event you insure for a reduced amount, the maximum amount payable in the event of cancellation will be limited to the amount insured.  In addition,  some policies require that the full prepaid costs be insured for certain ...

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