Frequently Asked Questions

What's Normally Covered in Travel Insurance
 
There are many varieties of travel insurance plans. Some items
normally covered in travel insurance plans include the following: 

1. Vacation and trip cancellation
2. Travel interruptions, delays and cancellations
3. Missed connections
4. Medical emergency; dental emergency; other
 health-related expenses (often including medical evacuation coverage) 
5. Expenses incurred due to lost or delayed baggage
6. Accidental death or dismemberment. 

When you buy travel insurance, you should consider what is nomally covered
in travel insurance and make sure your own plan applies

What's Not Covered In Travel Insurance?  

1. Cancellation for war is normally not covered in travel insurance
2. Cancellation for terrorism may be covered if your destination has experienced recent   terror attacks is not covered in travel insurance
3. Cancellation because of bad weather is likely to be covered only if the weather is extremely ominous is not covered in travel insurance
4. Cancellation due to an outbreak of disease will likely not be covered.  

How do I find out how good the medical facilities are?  

Check the State Department’s consular information sheet for the country 
you will be visiting.
 

Would medicare reimburse medical expenses on a trip?  

Currently, Medicare does not normally reimburse for medical expenses.
However, it does not hurt to check beforehand as thier policy could change
   

What are the benefits are gained by getting travel insurance?  

Many things cannot be predicted. Trip insurance can provide some 
financial protection if you have to cancel because you or a traveling 
companion or immediate family member suffers an injury or sickness 
or death, or if you need emergency support during the trip. 

What if personal items are stolen on a trip?   

Homeowner’s policies sometimes will include some coverage 
for stolen personal items. 
 

When is the proper time to get travel insurance asap or right before the trip?  

Many plans offered by third parties give you motivation to purchase 
coverage soon after you make your first payment for the trip 
Benefits in case of  financial failure of  the travel provider (airline, cruise
line or tour operator) may be added, and some pre-existing medical condition restrictions or restrictions on  terrorism coverage may apply