Frequently Asked Questions

Travel insurance is a type of insurance designed to cover unforeseen events that may occur before or during your trip, such as trip cancellations, medical emergencies, lost luggage, or flight delays.

Travel insurance provides financial protection and peace of mind in case unexpected situations disrupt your travel plans or require medical attention while abroad. Usually your domestic health policy will not cover you once you leave your service area.

Coverage can vary, but common features include trip cancellation/interruption, emergency medical expenses, emergency evacuation, lost or delayed luggage, and travel delays.

It depends on the policy. Some travel insurance plans offer coverage for pre-existing conditions, while others may exclude them. It's essential to review the policy details carefully and consider purchasing optional coverage if needed.

The cost of travel insurance depends on various factors such as your destination, trip duration, coverage limits, and your age. Policies offer you the option usually to include a deductible that can reduce the cost of coverage.

It's best to purchase travel insurance as soon as you book your trip. This ensures you're covered for any unforeseen events that may occur before your departure. You may buy a policy up to the day before you leave for your trip.

Yes, this is possible with some providers. Check with the specific carrier. GEOBlue only allows coverage to be purchased for Americans before they leave while still in America. IMG and Trawick allow purchase while traveling.

In case of an emergency or if you need to make a claim, contact your insurance provider as soon as possible. They will guide you through the claims process and provide you with the necessary forms and documentation requirements.

Some travel insurance policies offer coverage for certain adventure activities such as hiking, skiing, or scuba diving. However, coverage may vary, and high-risk activities may require additional coverage or premiums. Review the terms and conditions for specific adventure activities. IMG offers additional adventure coverage for specific sports. However it is important to review the approved coverages for specific adventure sports and if they are covered.

Can I cancel my travel insurance policy if my plans change?


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When making a travel insurance claim for medical expenses, it's essential to collect all relevant documentation from the medical provider to support your claim. Here's a checklist of items you should gather: -Itemized Medical Bills: Obtain detailed bills from the medical provider showing the services rendered, dates of treatment, and itemized costs associated with each service. -Medical Records: Request copies of your medical records, including diagnoses, treatments administered, and any prescriptions prescribed during your visit. This includes doctors notes, labs, and any diagnostic tests. -Receipts and Invoices: Collect receipts for any medications, medical supplies, or additional services provided during your treatment. -Physician's Report: If possible, obtain a medical report or letter from the attending physician outlining the nature of your illness or injury, recommended treatment, and prognosis. The more detail the better. -Proof of Payment: If you've made any payments directly to the medical provider, make sure to keep copies of receipts or bank statements as proof of payment. -Claim Form: Complete the necessary claim form provided by your travel insurance company. Include all relevant information about your medical treatment and attach the supporting documentation. Compm.ete the claim form as soon as poosible. Most providers have a limit of time to complete a claim. -Contact Information: Note down the contact information of the medical facility or treating physician in case the insurance company requires additional information or verification. -Insurance Policy Information: Have your travel insurance policy details readily available, including your policy number, coverage limits, and contact information for the insurance provider. By gathering these documents and information BEFORE YOU LEAVE THE FACILITY if possible, you'll be well-prepared to submit a thorough and accurate travel insurance claim for your medical expenses. Always make copies of all documents for your records before submitting them to the insurance company.

Yes, you may extend the policy up to the limit that the provider offers. Keep in mind this must be extended before your policy lapse date. Travel policies do not have a grace period and terminate without the ability to renew once the expiration day of the origin policy passes.

Yes, some travel insurance companies offer direct payment to hospitals or medical facilities for covered medical expenses. This arrangement can simplify the process for travelers in case of medical emergencies abroad, as they won't have to pay upfront for medical treatment and then seek reimbursement. This is more common for larger claims. It is important to realize that not all foreign hospitals and providers will accept direct payment arrangements and you might need to pay and then seek reimbursement from the insurance provider.

Yes, most of the carriers that will cover the corona-virus as long as you show no symptoms of the virus before starting coverage. This situation can change. It is important to review the terms and conditions by the provider for the most recent information and coverage.

Yes, the insurance provider can provide a letter for your visa. This can be obtained after purchasing the policy.