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!

 

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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.

 

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Are You Selling Travel Insurance? Check Out These 5 FAQs Regarding Travel Insurance

image from media.licdn.comAs someone who’s selling travel insurance, whether you’re a seasoned insurance broker, or perhaps a tour operator who newly implemented travel insurance into their product offering, you’ve all probably been bombarded with some of the same questions over and over. Whether customers need a 411 from the very get-go explaining the many uses of travel insurance, or need insight into something a bit more particular, it might help to have a handy guide that you can study and follow. What are these frequently asked questions? Let’s begin!

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3 Things to Consider Before Purchasing U.S. Visitor Health Insurance

By Chaitanya Bala

  image from i.imgur.com

Choosing the right health insurance for visitors to the USA can be a very tricky process. After all, the United States has one of the most complex healthcare systems around, which means that not getting travel insurance isn’t a wise option. Sure, when traveling to other countries (especially second world countries where having travel medical insurance is likely pricier than just getting treated at a local medical facility) it might seem that travel medical insurance is something you can easily omit. Although travel insurance is always a safe bet anywhere you go, we can agree that in some areas of the world, it’s not as risky to be uninsured.

But…the United States is a different ball game.

Coming to the United States as a visitor without travel medical insurance can be pretty chancy. It can be like riding a Harley without a helmet, driving a car without a seatbelt, and well…you get the picture. The point is, U.S. visitor health insurance is a pretty smart investment to make when you come here to visit for a short, or even extended period of time. With the high costs of medical treatment in this country, a simple visit to the doctor’s office without travel medical insurance can be detrimental to your finances. Now that we’ve covered why visitor’s travel medical insurance is critical when coming to the United States, one question still remains…

What’s the right visitor’s travel medical insurance for you?

There are quite a few factors that visitors can take into consideration here as they select the right travel insurance plan for them. Let’s go through each of these!

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4 Ways Worldwide Assistance Can Be Helpful During Medical Emergencies

By: Chaitanya Bala

AIf you’re raising your eyebrow right now, puzzled with regards to what exactly worldwide assistance is, you’re probably not the only one. Often times, this benefit which is automatically included in most travel insurance plans, gets buried to the bottom of coverage descriptions, since there really isn’t a monetary value associated with it. As Trip Cancellation and Emergency Medical Evacuation are both pressing issues where your travel investment, or the money you’ve spent on a trip as well as potential costs, are at stake, these are generally the benefits that are really emphasized on most policy plans.

However, worldwide assistance is more crucial than it may appear on paper. It may be the difference between a policyholder getting coverage for their claim, and getting denied. It can also save you a lot of time, as well as keep you from getting overwhelmed. Emergency situations are stressful and nerve-wracking enough to deal with as they are, so having to coordinate next steps on your own probably isn’t the best idea. Here are the 4 ways contacting worldwide assistance when you run into emergencies can make your life much easier.

 

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