Frequently Asked Questions

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Does travel medical insurance cover pregnancy or maternity or childbirth?

Unfortunately, pregnancy is generally not covered under travel medical insurance due to the short-term nature of the plans. You can read an article regarding pregnancy and visitors/travelers to the U.S here. The purpose of travel medical insurance plans is to cover any unexpected illness, sickness, or injury that happens after the policy goes into effect. However, here are two plans that offer some type of pregnancy-related coverage:

How do I make changes to an existing insurance policy details like policy maximum or deductible after purchase?

After the policy start date, the policy maximum and deductible cannot be changed. So, in order to make changes to the policy maximum or deductible after the policy goes into effect, you would have to cancel your current plan and purchase a new plan. To see details and instructions on how to cancel an existing policy, see our page about How to Cancel a Policy.

How long does it take to receive the travel insurance claims after they are filed

How long does it take to receive the travel insurance claims after they are filed

How soon after purchase can my plan go into effect?

Most travel health insurance policies can be purchased online to begin as early as the next day (based on EST time) You can get quotes and make an online secured purchase on our International Insurance page.

How soon after purchase can my plan go into effect?

Most travel health insurance policies can be purchased online to begin as early as the next day (based on EST time) You can get quotes and make an online secured purchase on our International Insurance page.

I made mistakes on the travel insurance application. How do I make changes to a travel medical insurance policy?

You can always make corrections to your policy before the policy start date, while only certain other changes can be made after the policy begins. For corrections in policies, we ask that the insured sign into the Customer Portal and adjust policy details online. You will need your policy number and the insured's date of birth. Please allow 7-10 business days to process any corrections. Refer to: Making Corrections to Your Policy for details.

Is there a monthly payment plan for travel insurance?

You can choose to either pay the amount up front in full, or purchase the plan for 1 month initially, and then continue to renew it for a maximum period of 12 months. The downside to renewing the policy is that the renewal fee is $5 each time and you must make sure to renew your policy before it expires. You can renew your policy easily through our renewal page.

Is travel insurance required to obtain a visa?

Travel insurance may be required to obtain a visa, depending on what country visa you are seeking. There are few European countries that require a person to show proof of insurance as a requirement for a visa grant. For a US visa, there is no such requirement. However, a visa officer may ask if you have insurance, depending on each individual case. In any case, it is wise to travel with travel medical insurance in case of any accidents or emergencies. You will find that it can be quite affordable. Check out pricing, here: Get A Quote

What can I do if a visitors insurance claim is denied due to a pre-existing condition?

There is an appeal process you will have to complete, and proper documentation is required. To learn about the appeal process, read: When Your Travel Insurance Claim is Denied, File an Appeal.

Why do visitors insurance plans not offer acute onset of pre-existing conditions coverage for people over 70?

Generally, travel insurance plans only provide acute onset of pre-existing conditions coverage up to age 69 because there is a higher chance of injury, illness and pre-existing conditions with people above 70 and it poses a risk to insurance companies. However, some of the plans we offer do provide acute onset of pre-existing conditions coverage for travelers over 70 years of age. For example, CoverAmerica - Gold can provide up to $30,000 in coverage and Atlas America can provide up to $100,000. To learn more about acute onset coverage, visit our acute onset coverage page.

Why should I purchase a plan if medication and non-emergency for pre-existing conditions is not covered?

Travel insurance plans provide coverage for unexpected sickness or injury that begins after the policy goes into effect. Hospital and doctor costs tend to be expensive, so these plans help cover for those costs if illness or injury occurs abroad. To read more about why you should have travel medical insurance, go to our Benefits of Travel Medical Insurance page.