Previous month:
February 2017

Pre-Existing Conditions Exclusion Waiver:
How Do I Become Eligible for One?

image from www.illinoisobserver.netTravel insurance provides benefits to help protect your travel investment, whether it’s compensating for lost time, luggage, or the inability to attend the trip due to an unforeseen emergency.  Many travel insurance policies include a pre-existing conditions exclusion. If you have a chronic health condition, this could impact your travel plans and potentially impede you from getting the coverage that you need.

Because many travelers have pre-existing conditions, travel insurance companies now offer a pre-existing conditions exclusion waiver. This waiver, as the name suggests, waives the exclusion on many chronic, but well-managed health conditions. However, there are specific requirements that travelers need to meet in order to be eligible for this benefit. What are some of the most common eligibility requirements? Let’s find out!

 

Purchase Your Policy Early!

Some policies specify that you must purchase your travel insurance policy anywhere within 10 to 30 days of making your initial deposit on your trip to be eligible for the pre-existing conditions exclusion waiver

In our company’s case, if you purchase the Travel Insurance Select Plus or Elite Plans within 21 days of your initial trip deposit/payment and insure 100% of your trip cost, the pre-existing conditions exclusion is waived.

If you purchase any one of our Trip Care Complete Plans within 14 days of your initial trip deposit, as well as insure 100% of your trip cost, the pre-existing conditions exclusion is waived.

 

Be Medically Stable on Date of Purchase

Individuals may try to purchase an insurance policy only when complications arise. As convenient as that might be, that’s not how it works. You need to be well when you purchase a travel insurance policy.

 

Insure Your Entire Trip

Many travel insurance companies also require that you insure 100% of your trip cost in order for travelers to be eligible for the pre-existing condition waiver.

Be sure to accurately estimate your trip cost. Always give yourself ample cushion for your estimate and round up if need be. If you underestimate your trip cost, you could potentially be disqualified from getting the pre-existing conditions exclusion waiver.

Each travel policy is different. Some may have shorter windows when you purchase your travel insurance policy, while others may have more flexible regulations regarding how much of your trip you need to insure in order to be eligible for the pre-existing condition exclusion waiver. It’s important to reach out to the company and ask any questions you may have about the schedule of benefits.

 

We hope we’ve provided some important information about the pre-existing condition waiver.

If you’d like to learn more about the Travel Insure pre-existing conditions waiver and eligibility requirements, don’t hesitate to reach out to us via email or contact one of our customer service representatives at 1-800-937-1387! Good luck with all your future travel endeavors :) 


Top 5 Family-Friendly Beach Vacations

Many of us have an affinity towards beaches. With the warm breeze caressing your face and the bright sun kissing your skin, it’s no wonder that beach vacations are extremely popular for all ages – whether you’re going to a hyped-up beach resort for your college Spring Break, or simply looking for a low-key, relaxing beach to quietly bask in nature’s beauty, beaches are always going to be popular vacation spots at any time of the year.

But in this article, we’re going to focus on one particular type of beach – the family-friendly kind.

If you’re traveling with children, or looking for a beach vacation that fosters more family-friendly activities, rather than a wild, partying atmosphere, you’ve come to the right place! Here’s a list of our top 5 family-friendly beach spots you absolutely must visit.

Continue reading "Top 5 Family-Friendly Beach Vacations" »


Why Renewing Your International Medical Travel Insurance is Important: My Great Uncle’s Unfortunate Experience

By: Chaitanya Bala

image from media.gettyimages.comI was sitting down with my grandmother one evening this past November during my trip to India, chatting about life over chai and snacks. It was rare occurrence for us to just sit back, relax, and have any deep discussions, so I decided to really relish the opportunity.

On this particular evening, I was giving my grandmother the gist of what I do at work, including that I write a lot about travel insurance-related topics. I wasn’t expecting this be too in-depth of a conversation, as insurance is not generally something that most people like to spend hours discussing.

But that evening, my grandmother really took me by surprise.

Kondhe* – I have an interesting story to tell you about my brother related to travel insurance.”

I was all ears.

She ended up telling me a story which not only would become the topic of this blog post, but also really made me understand why having international medical travel insurance at all times during  one’s stay in the U.S. is so important.

Without further ado, here’s the tale of my great uncle’s visit to the United States.

 

Before the Voyage…

My great Uncle Krishnan was a native of Singapore. He had lived there his entire life and at this stage in his life, was a chemistry professor at a prestigious university there. He was a hefty man in his early 50s, and had a hearty appetite, which contributed to the fact that he had a history of heart conditions.

Nonetheless, as part of a scholarly project assigned by the university, Uncle Krishnan was to go the United States to conduct research. The project required him to be in Los Angeles for a year.

The university provided Uncle Krishnan with all the resources to make for a comfortable and safe voyage and stay in the United States, including paying for his flight tickets and housing during his stay there, as well as providing him with travel insurance benefits. The travel insurance policy would be active for one calendar year, which would’ve certainly covered him from the day he landed in the U.S. till the day he had to go back to Singapore.

So far, so good. Right?

 

“Eh, I’ll Stay for a Couple Extra Weeks…”

The year passed by, and Uncle Krishnan had finished up his scholarly assignment in the States. However, he decided he wanted to stay an extra two weeks in the United States.

His plan was to fly the rest of his family to Los Angeles and do some sightseeing. He also decided he didn’t want to extend his travel insurance policy to cover his stay for the next couple weeks.

You see, he hadn’t had any major heart issues in the past three years. During his year-long stay in the United States, he’d been completely free of any episodes. So, of course, he figured nothing could happen to him in two weeks. Makes sense, right? I’m sure we’d all think the same thing.

But then…

 

The Fateful Heart Attack

About a week into his vacation with his family in the States, Uncle Krishnan had a massive heart attack. He was taking a tour of the Golden Gate Bridge with his family in San Francisco, when he suddenly collapsed.

He was rushed into the emergency room and had to have three separate procedures performed on him to clear his arteries. The procedures cost him tens of thousands of dollars, out of pocket.

At the end of the day, Uncle Krishnan survived the massive heart attack and was able to fly back home to Singapore, still alive, but now, he had a huge hole in his wallet.

Why was this? Because of his seemingly trivial decision to not extend his international medical travel insurance policy into the next two weeks he was planning to stay in the United States.

 

It’s true that insurance companies will recommend that purchasing insurance is the right choice, and understandably so. (After all, that’s what they’re selling!) And it’s also true that when companies make claims like this, one tends to get skeptical.

But when you’re mulling over whether or not purchasing travel insurance is the right choice for you, or whether or not it’s worth it to renew your policy, I urge you to always remember that absolutely nothing in life is certain.

We don’t know what’s going to happen tomorrow, and we certainly don’t know what’s going to happen in two weeks, so prepare yourself for the unexpected. Good luck with all your future travels and be safe!

 

*kondhe – a colloquial term that means child or dear in Palakkad Tamil


10 Important Items for Your Vacation Safety Checklist

By: Jessica Thiefels

image from exchange.aaa.comYou feel at ease on vacation—and you should—but that doesn’t mean you should completely let your guard down. Unpredictable circumstances can still happen while on vacation, from sickness and car problems to having a lost or stolen passport or getting injured.

While you can’t predict what will go wrong, you can prepare by taking these ten safety items with you.

 

Continue reading "Items for Vacation Safety Checklist" »


6 Do’s and Don’ts of Filing a Travel Insurance Claim

image from blog.ingleinternational.comTravel can be a blessing. Whether you’re simply taking a road trip across the state border, or catching a flight across the globe, it’s an opportunity to expand your horizons beyond your day-to-day routine at work and home. In the best of circumstances, you’ll get the chance to live life a little differently than you’re used to, and go on new adventures while enjoying the thrill of being on vacation. 

Travel can also bring the unexpected, so it’s important to keep safety in mind at all times. This could mean having the right travel insurance benefits to make sure you get attention during emergency situations. If you do have travel insurance, that’s wonderful – you’ve got one step taken care of. Later on, if you need to file a travel insurance claim, you may have questions.  One in particular is:

How do I get the maximum benefits when I file a travel insurance claim?

So, we’ve developed a guide for you. Here are 6 Do’s and Don’ts of Filing a Travel Insurance Claim.

 

Continue reading "Do's and Don'ts of Filing a Travel Insurance Claim" »