Pre-existing condition refers to any injury, disease or illness occurring prior to and including the effective date of your insurance.Read more »
Yes most of our policies include Baggage loss, Trip Cancellation, and Emergency Repatriation.Read more »
International Travel Medical Insurance provides health insurance coverage for travelers outside their home country. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more.? 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.Read more »
Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card. Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.Read more »
Deductible is the amount the insured is responsible for before the visitor insurance provider pays the claims. Most plans offer a choice of deductibles from 0 to $2500. Selecting a low deductible ensures that the insurance company will pay eligible claims starting from the very first claim. The plan premiums for low deductible visitor insurance plans are often much higher than that for a high deductible plan. Deductibles are sometimes applied per injury/sickness and some other plans apply a deductible for 12 months of the plan. If a plan has a $50 deductible per injury/sickness you will be responsible to […]Read more »
Most international student insurance plans offer lower or no deductible if you visit your campus health center first for any sickness. To keep your out of pocket costs low it is a good idea to first visit your health center if it is not a life threatening emergency. If you do not have a health center, make sure you visit a physician or hospital that is a part of your international student insurance plan network.Read more »
I have a visitor medical insurance for my wife and me, my wife is leaving earlier. How can I cancel only her policy?
If the visitor medical insurance plan lists both of you on the same plan, you cannot cancel coverage for only 1 person and continue coverage for the other. If you have separate plans you can email your cancellation request for the person who needs to cancel. If both of you are listed on the same plan you may also consider cancelling your current plan and purchasing another visitor medical plan to cover you alone. Since yours will be a brand new plan your deductibles, co pay and pre existing condition waiting period will restart from the day your new plan […]Read more »