• International Insurance Blog

  • Friday, July 21, 2017

Q: What International Travel Medical Insurance? Why international travel medical insurance?

A: International Travel Medical Insurance provides health insurance coverage for travelers outside their home country or country of citizenship. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more. All travels to Schengen countries need international travel medical insurance. While the regular domestic private insurance or government sponsored health insurance programs may offer comprehensive coverage in your home country, few are designed for international travelers or expatriates. Even programs that cover international travel often provide limited benefits that do not normally cover medically supervised emergency evacuation, emergency reunion, or repatriation.

Q: Is trip cancellation due to death of a non traveling family member covered?

A: Yes, most of the trip cancellation package policies provide cancellation of trip due death in family even if the family member is non-traveling requiring you to stay home. Most trip insurance cover death in family or illness in family.

Q: when-will-international-travel-insurance-coverage-become-effective

A: The travel insurance effective time, Multi-Trip Medical and Medical Evacuation Policies, international insurance coverage begins at 12:01AM the day of your departure. If travel insurance, purchased on, or after your departure date, coverage begins at 12:01AM the following day. For Flight Accident Policies, coverage becomes effective the day of your departure upon boarding your flight. While calculating the international travel insurance effective date, keep in mind the coverage begins on the above time at US east Coast times.

Q: Can I purchase travel insurance for my friend, relative or employee online?

A: Yes, you can do this as long as you complete application online. You can buy travel insurance for a friend or relative.

Q: What is a deductible?

A: A insurance company deductible is a way for the insurance company to reduce claims and your premium. It is the initial amount that you have to meet before the insurance company pays for anything. International insurances also have deductibles. The higher the deductible, the lower the cost and vice versa.

Q: What is the Pre-Existing Condition Period?

A: The pre exisitng condition period is the insurance company look back period, i.e. the number of days from the effective date that the insurance will "look back" to see if your claim is related to a pre-existing medical condition. Typically the insurance companies do not insure pre-existing conditions

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International Medical Insurance - Short Term
International Health Insurance - Long Term
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