TRAVEL INSURANCE - FREQUENTLY ASKED QUESTIONS

What is included under non-refundable costs?

Non-refundable costs include the total sum of all of your trip payments that would be forfeited due to cancellation prior to trip departure.

Examples:

1. Cruise - If a cruise costs $3,000 and the cruise policy is 50% loss at 90 days out, 75% loss at 45 days out and 100% loss up to 7 days within departure, you would need to insure for the full $3,000 since you would be out the full amount in the event you cancelled within the week before departure.
    
2. Airline - If an airline ticket costs $700, and the ticket is 100% non-refundable at the time of purchase, you would need to insure for the full $700 in order to qualify for the pre-existing conditions waiver (other requirements still apply).

What is an existing medical condition?

An existing medical condition is an illness or injury that exhibited symptons or was treated for any time during the 120 day period prior to the purchasing of the plan

What is the existing medical conditions exclusion?

The program does not cover losses or expenses if they result from: any injury occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance; any illness occurring to you, a traveling companion, or a family member during the 120 days prior to and including the effective date of insurance for which treatment by a licensed physician has been sought or advised or for which symptoms exist which would cause a prudent person to seek diagnosis, care or treatment.

How would my existing medical condition(s) be covered through the plan?

Coverage for an existing medical condition(s) can be included for both traveling and non-traveling family members if:

1. Your client purchases the Worldwide Travel Protection product up until final trip payment date

2. Your client purchased trip cancellation coverage that covers the full cost of their non-refundable trip arrangements

3. Total cost of their non-refundable trip cost does not exceed $20,000 per person

What does medically able to travel mean?

Being medically able to travel on the date the policy is purchased means that you are not disabled to travel when the policy is purchased and that you can actually travel on the date of policy purchase.
Some factors to consider when determining if your condition prevents or substantially interferes with your ability to travel, include: 1) whether you recently had a significant change in medication, 2) whether you require medical assistance or ongoing treatment, or 3) whether you have a medical procedure scheduled in the period between your trip purchase and planned departure dates (for which continuing side effects are known or likely to occur).