Travel insurance coverage for pre-existing conditions varies by policy. Generally, most travel insurance policies do not fully cover pre-existing conditions, but some offer limited coverage for the acute onset of a pre-existing condition. This means if you experience a sudden and unexpected recurrence of a pre-existing condition during your trip, you might receive coverage to stabilize the condition. However, if your condition is degenerative or if you had symptoms before your coverage started, it's unlikely to be covered. Even recent changes in medication or a doctor's visit related to your condition prior to purchasing the policy could disqualify you from coverage. An exception is the GeoBlue Voyager Choice plan, which provides medical benefits for pre-existing conditions if you are a U.S. citizen with primary health coverage in the U.S. If you don't have a primary U.S. healthcare plan, the GeoBlue Voyager Essentials plan offers coverage for pre-existing conditions for medical evacuations only.

Yes, we can help you obtain coverage that satisfies specific visa requirements. As brokers for many top travel insurance carriers, we offer a wide variety of policies. Please fill out our quick survey to receive a personalized recommendation from our expert brokers, ensuring you get the right coverage for your needs.

Yes, we have carriers that provide coverage for COVID-19, as long as you show no symptoms of the virus before starting coverage. Our policies can cover COVID-19-related medical expenses just like any other illness.

Yes, some of our carriers allow you to start a policy even after you're already abroad, provided you maintain residency in your home country. Please review the policy details under the eligibility section to confirm, or fill out our quick survey to get a personalized recommendation from our expert brokers. Note the Geoblue Voyager plans require you to start coverage before you leave your home country, as well as plans that cover trip cancellation benefits. Please contact us if you have any questions.

Yes, we offer carriers that provide coverage while you're visiting your home country, as long as you have legal residency in a foreign country. This includes U.S. citizens. Specific policies allow coverage during short-term visits back home.

Most travel insurance claims are handled on a reimbursement basis, except for larger emergencies. You will work closely with our team to understand the claims process and the required documentation. For serious emergencies, insurers often arrange direct payment with hospitals. Generally, larger and more established insurers have more extensive global direct pay networks.

Coverage for adventure activities like scuba diving varies by policy. Some travel insurance plans include coverage for certain adventure sports, while others may exclude them or require an additional premium. It's important to check the policy details or consult with our brokers to ensure your planned activities are covered. The IMG travel plans have a specific adventure sports add-on that can be added to most plans. If you are a professional athlete that is paid to participate in sports, it can be hard to find a policy that covers you adequately, so please contact us for more information.

Coverage for scooter or motorcycle accidents depends on the policy. Some travel insurance policies exclude coverage for accidents involving motorbikes or scooters unless you hold a valid moto license in the country you are visiting and wear appropriate safety gear. Countries like Thailand and Vietnam have very strict requirements for moto licenses and will not cover you without a local license or international license translated to their language. Always review the policy's terms regarding motor vehicle use, or contact us to find a policy that covers you adequately. Accidents from drunk driving are also not covered, or any other illegal activities.

Yes, most travel insurance policies allow you to cancel or modify your policy within a certain period after purchase, or before a trip begins, often referred to as the free look period. However, terms vary by insurer. If you need to make changes or cancel your policy, contact us as soon as possible, and we'll assist you with the process. If you cancel after the free look period, you may not be eligible for a refund, or only be refunded a portion of the premium.

Common exclusions in travel insurance policies include: - Pre-existing medical conditions (unless specifically covered) - Participation in high-risk activities or extreme sports without proper coverage - Injuries or losses due to alcohol or drug use - Acts of war or terrorism (unless specifically included) - Intentional self-harm or illegal activities - Losses due to mental or emotional disorders It's crucial to read the policy's exclusions section to understand what is not covered.

Coverage for natural disasters or political unrest varies by policy. Some travel insurance plans offer trip cancellation, interruption, or delay coverage if your destination becomes uninhabitable due to natural disasters or if the government issues travel advisories. Political unrest coverage may also be included or available as an add-on. Please check the policy details or consult with our brokers for specific coverage options.

Some travel insurance policies require you to have a primary health plan in your home country to be eligible for certain benefits, especially for pre-existing condition coverage. Other policies do not require this. It's important to review the eligibility requirements of each policy or consult with our brokers to find a plan that suits your situation.

Primary coverage refers to insurance that pays claims first, regardless of any other insurance you may have. Secondary coverage pays after any primary insurance has paid its share, covering remaining eligible expenses. Travel insurance policies can offer primary or secondary coverage. Primary coverage can be advantageous as it simplifies the claims process and may result in faster reimbursement. For example if you are a senior in the US with Medicare, Medicare may act as primary coverage for your hospital bills, but then secondary coverage for the rest of your medical expenses up to the policy limits.