October 2007

For International Medical Plans, what is the difference between a Scheduled Benefit Plan and a Comprehensive Plan?

Schedule Benefit Plans Schedule Benefit Plans are characterized by various benefit limits for each type of covered medical expense or service provided. These benefit limits typically are not the same as the policy maximum. The maximum amounts for each service provided are detailed in the policy brochure. Typically you are required to pay an initial […]

What is a Pre-Existing Conditions Exclusion Waiver?

Most travel insurance policies, whether it’s a single trip policy or an Annual plan, exclude pre-existing conditions, however this exclusion may be waived if certain conditions are met. A Pre-Existing Condition is defined as any medical condition that has worsened or changed during a policy’s look-back period, which is the 60-180 day window prior to […]

What is the "pre-existing condition look-back period"?

The pre-existing look back period for a travel insurance policy is the number of days that the insurance company will “look back” to determine if a claim is related to a pre-existing condition. The look back period is generally between 60 and 180 days, depending on the policy selected. Look back periods for select medical-based […]

What happens if my traveling companion cancels their trip due to illness and I still want to go but incurr additional costs as a result of their cancellation; Will travel insurance cover the additional costs?

Most travel insurance plans will cover you for a single supplement upgrade when your traveling companion cancels or interrupts their trip due to a covered reason and you do not. Always refer to the policy certificate for full details.