Archive for February 2009

Do I need travel insurance if I have Medicare and a Medicare supplement?

Published by Chris Harvey February 27, 2009

You should check the details of your supplemental policy to see if you have coverage while traveling outside the United States.  Many travel insurance policies provide secondary coverage which pays only the amount left over after claiming from any other current insurance plan.  Some travel insurance policies provide primary coverage which do not require you […]

Will travel insurance cover me for trip cancellation in the event of a close friend’s death?

Published by Chris Harvey February 26, 2009

Most travel insurance plans have a list of covered reasons for trip cancellation which include unforeseen injury, illness or death to you, a traveling companion or family member.  Policies do not not typically cover for the death of a friend.  However, many policies have a cancel for any reason upgrade which can be purchased for […]

Will I be charged a fee to cancel my travel insurance policy?

Published by Chris Harvey February 25, 2009

Most travel insurance companies will refund a policy during the free look period less a non-refundable  administrative fee of approximately $5 – $8.   The free look period is typically up to 10 days after purchase, however some policies allow up to 15 days after purchase.

Does the exclusion for a pre-existing condition apply to a family member that is not traveling with us?

Published by Chris Harvey February 24, 2009

This can vary depending on the policy selected.  While all travel insurance plans exclude pre-existing conditions, the definition and length of the “look back’ period are not always the same.  The exclusion can often be waived if certain conditions are met, like insuring the full prepaid trip cost and purchasing within an  advantage period (typically […]

What is the difference between a comprehensive travel medical plan and a scheduled benefit plan?

Published by Chris Harvey February 23, 2009

The benefits between these two types of travel medical insurance plans can vary greatly.  A comprehensive plan usually pays 80% or more after the deductible of any reasonable and customary eligible charges.  On the other hand, a scheduled benefit plan reimburses you up to a maximum amount per service provided, otherwise known as the scheduled […]

Will my travel insurance policy pay directly to a hospital?

Published by Chris Harvey February 19, 2009

Most travel insurance plans will advance a payment to a hospital to secure your admission.  Refer to the policy certificate for the full details. Some plans will advance a payment of $5,000 while others will advance payment up to the covered amount if required.

Travelex coverage for Trip Cancellation / Interruption benefits regarding job termination, layoff, etc.

Published by Chris Harvey February 18, 2009

This article was reproduced from Travelex’s newsletter. In ‘Plane’ Language Trip Cancellation / Interruption benefits regarding job termination, layoff, etc. Plane Language: In this economy and with many employment concerns, Travelex insurance plans protect against employment termination, layoffs, transfers, mergers and acquisitions.Please see applicable policy language below. Travel Basic, Travel Select and Travel Max: Term: Employment […]

Will travel insurance plans continue to pay for medical treatment after your return home?

Published by Chris Harvey February 17, 2009

The short answer is yes, however this varies between travel insurance policies.  Travel Guard has policies which will reimburse within one year from the date of the injury or sickness provided initial treatment was received during the trip. Coverage is based on  reasonable and customary charges and only up to the maximum limit shown on […]

"On Trip" Purchase Protection from TravelSafe

Published by Chris Harvey February 13, 2009

“On Trip” Purchase Protection TravelSafe Insurance is offering an exclusive industry-first benefit, “On Trip” Purchase Protection which reimburses up to $300 per person for travel arrangements that are booked while traveling. This new benefit will automatically be included at no additional cost in the TravelSafe Vacation, Premier and Prestige travel insurance plans purchased on and […]