Question 1

What does travel insurance actually cover?

Accepted Answer

Broadly three things: money you lose if a trip is cancelled or cut short, medical treatment while you are away, and your belongings. The medical piece is the one people underestimate, because domestic health coverage often works very differently, or not at all, once you are outside the country.

Question 2

Is an annual policy better than insuring each trip?

Accepted Answer

It depends how often you travel. For someone taking several trips a year, an annual policy is usually simpler and less expensive than buying coverage each time, and it removes the risk of forgetting. For a single trip, a single-trip policy is normally the better fit.

Question 3

Does my health insurance work overseas?

Accepted Answer

Often not, or only in a limited way, and payment is frequently expected up front. The larger concern is evacuation. Moving someone from a remote location to adequate care is extraordinarily expensive and is not something domestic health coverage typically handles.

Question 4

What is medical evacuation coverage and do I need it?

Accepted Answer

It pays to transport you to appropriate medical care, and if necessary home again. It matters most on trips where good care is far away, such as cruises, remote destinations and mountain travel. It is the coverage clients are most surprised by the cost of, and most grateful for.

Question 5

Are pre-existing medical conditions covered?

Accepted Answer

This is governed by the plan terms, including timing windows that depend on when you buy relative to when you booked. Rather than paraphrase terms that can change, give us a call and we will walk you through what applies to your trip.

Question 6

When should I buy it?

Accepted Answer

As soon as the trip is booked. Cancellation coverage only responds to things that happen after the policy is in force, so buying later leaves a gap over exactly the period when deposits are committed and plans are most likely to change.

Travel Insurance

Key benefits

Trip Cancellation & Interruption

Emergency Medical Coverage

Medical Evacuation

Baggage Protection

Travel Delays

24/7 Emergency Assistance

Common questions about travel insurance