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 […]
Most all travel insurance policies have exclusions for hazardous sports. Refer to the policy certificate for a full list of the exclusions. Some international medical plans have optional sports riders that you can purchase.
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 […]
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 […]
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 […]
Most travel insurance policies must be purchased prior to the storm being named. Insurance purchased after the storm has been named, would exclude trip cancellation and trip interruption losses resulting from the hurricane. Refer to the policy certificate for full details.
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 […]