Travel Insurance FAQ Archives

Can I Insure Less Than the Actual Cost of My Trip on a Travel Insurance Policy?

There are a few things to consider when determining which of travel expenses to insure when purchasing a travel insurance policy. First of all, when travel insurance providers refer to the cost of a trip, they are usually referring to the prepaid, non-refundable travel arrangements that were purchased prior to departure. A good way to […]

I am traveling with a group. Can we all be on the same policy?

Selecting the right travel insurance policy for multiple travelers can pose some unique challenges. While there are several policies available to accommodate multiple travelers, there are a few things to keep in mind. 1- All travelers must have the same travel dates If one traveler departs a day early to meet the group, or another […]

My traveling companion and I have different citizenships, can we be on the same travel insurance policy?

Travelers often question whether they are able to be listed on the same travel insurance policy if they reside in the same state, but hold different citizenships. The short answer is yes. However, in few cases, some travel insurance coverage may vary based on the country of citizenship of the travelers. For example, Mary and John […]

Do I need pre-existing condition coverage?

Pre-existing condition coverage within travel insurance policies often confuses even the most seasoned travelers. The reason for that may be because the way a traveler defines a pre-existing condition and the way a travel insurance provider defines a pre-existing condition can be quite different. Even someone who had a heart attack or suffered from cancer […]

I just want cancellation coverage. Do I still have to buy the other benefits?

Most travel insurance policies consist of a package of benefits that cover a number of different traveler needs. Trip cancellation, trip interruption, emergency medical and medical evacuation coverage are some of the most popular benefits travelers look for. However, many travelers just want to insure their prepaid, nonrefundable expenses in case they have to cancel […]

What If a Terrorist Attack Occurs Before My Trip?

On Friday a suicide bomber detonated a bomb outside the U.S. Embassy in Turkey, killing himself and one other. There was no serious damage to the Embassy building and no casualties to U.S. personnel. The White House determined the attack was initiated by a member of a recognized terrorist group, although his motives remain unknown. […]

What if Work Prevents Me from Taking My Vacation?

Imagine requesting time off, getting it approved by the boss, and finalizing those well-deserved vacation plans only to find out that precious time off has been revoked. When travelers have to cancel vacations after spending hefty amounts on travel arrangements, the loss can be disappointing. However, all is not lost with the right travel insurance […]

Are Any Pre-existing Conditions Excluded from Coverage?

For many travelers, the task of finding travel insurance that covers pre-existing conditions is of highest concern. The conventions of traditional health care coverage often have people thinking that finding the right coverage in travel insurance will be just as daunting. What travelers may not realize is there are many policies available that cover pre-existing […]

Can I Buy More Than One Policy for the Same Trip?

Yes, it is possible to purchase multiple travel insurance policies for the same trip. If a traveler finds that an existing policy they have does not meet their needs, they may purchase additional coverage to travel with more well-rounded trip protection. This situation typically occurs when travelers purchase travel insurance through a cruise, airline, or […]

Can I remove Benefits from a Policy to Reduce my Premium?

Often times, travelers are only looking for a few key benefits, like trip cancellation or emergency medical coverage, in their travel insurance policies. However, a travel insurance policy is usually designed to be a package of benefits that can include anything from trip cancellation and emergency medical coverage to travel and baggage delay benefits. Unfortunately, […]