Archive for September 2008

May I purchase travel insurance up to my date of departure?

Published by September 30, 2008

Many travel insurance policies require purchase of travel insurance on the date prior to departure or earlier.  A few insurance carriers will allow you to purchase on your departure date. However, the policy does not go into effect until the day following purchase.  Additionally, certain benefits are dependent upon when the insurance is purchased.  In […]

Why should you buy HTH TripProtector?

Published by September 29, 2008

Here are some reasons you should consider HTH TripProtector or TripProtector Preferred travel insurance plan: Reason 1: Trip Cancellation and Interruption Coverage Your vacation investment is at risk. The cost of your trip may not be refunded in the event you have to cancel. Here are some of the reasons cruise, tour, and travel package […]

Primary Versus Secondary Coverage in Travel Insurance

Published by September 26, 2008

This article was reproduced from the Travelex newsletter. Primary Versus Secondary Coverage Travel insurance policies offer either primary or secondary medical coverage – do you know the difference?  In the event of a medical claim or problem, primary coverage generally ignores your other insurance and pays the claim, if it’s for a covered service. With […]

Travelex Travel Supplier Restrictions as of 09/24/2008

Published by September 25, 2008

Please refer to this page for information about suppliers for which Travelex Insurance Services has restricted or eliminated coverage on the following protection plans: Travel Plus, TraveLite, Annual Multi-Trip, Flight Plus, and group programs underwritten by Old Republic Insurance Company. Travelex Insurance Services and their underwriters have made a business decision to no longer accept […]

Why does travel insurance care about when I made my first payment toward the trip?

Published by September 24, 2008

Many travel insurance policies have certain benefits that are date sensitive.  These benefits may include financial default of a travel supplier, a pre-existing condition exclusion waiver, cancel for any reason,  cancel for work reasons and terrorism.  Some polices require that the insurance policy be purchased within a certain number of days (typically 14 – 21 […]

Will travel insurance cover me for cancellation if my visa is not approved?

Published by September 23, 2008

No, unfortunately, having your visa denied is not a covered reason for trip cancellation.  You may want to consider travel insurance which includes a “cancel for any reason” option.  The cancel for any reason benefits are generally reduced to approximately 50% – 75% depending on the policy and you must cancel 2 days or more […]

Travelex Travel Supplier Restrictions

Published by September 19, 2008

Please refer to this page for information about suppliers for which Travelex Insurance Services has restricted or eliminated coverage on the following protection plans: Travel Plus, TraveLite, Annual Multi-Trip, Flight Plus, and group programs underwritten by Old Republic Insurance Company. Travelex Insurance Services and their underwriters have made a business decision to no longer accept […]

How do I know if my travel insurance covers my sport?

Published by September 17, 2008

Many travel insurance policies have an exclusion clause that lists the high risk or hazardous sports that are not covered. The list of high risk activities varies by provider and is based on actuarial numbers and accident statistics. Motorcycling, skydiving, bungee jumping, white-water rafting, parasailing, scuba diving and moutain climbing are usually among the activities […]