Legal Version: A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or during the past duration(specified by each insurance plan) prior to the effective date of the insurance, including any subsequent, chronic or recurring complications […]
Who is eligible for travel insurance?
Eligibility for different travel insurance policies can vary. Most people traveling from the US can buy a policy online with guaranteed acceptance, no medical exam, no waiting; just print it out and go. Foreign citizens may experience more limitations on policies that will cover them in the US, but usually there is some level of […]
Recent Egypt bombing raises concerns about terrorism coverage
Is terrorism covered by travel insurance policies? It depends. Over the past 5 years since 9/11, many insurance companies have addressed terrorism coverage in their policies. They will provide coverage for trip cancellation if there is a terrorist incident in one of the cities on your itinerary. As always, read the policy certificate thoroughly. You […]
Accidents caused by alcohol not covered by travel insurance
Will I be covered by travel insurance if the injury is alcohol related? No. This is a standard exclusion in travel insurance policies. Basically, it states that injuries or losses suffered while under the influence of alcohol (or drugs) are excluded from coverage. It only makes sense that an insurance company needs to exclude injuries […]
Who uses travel insurance?
Who uses travel insurance? Any traveler could use travel insurance. That’s not to say everyone needs it, but every traveler and every trip type has an element of risk. Many people only think international travelers or safari adventurers can benefits from travel insurance. The truth is, most policies are sold to everyday travelers going on […]
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