SLA Insurance Agency - Travel Medical Insurance


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Travel and Travel Medical Insurance FAQ

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What is Comprehensive travel medical insurance?

What is Emergency travel medical insurance?

What is Medical evacuation (medevac) insurance?

What is Trip cancellation and interruption insurance?

What is Supplier default insurance?

Can I purchase a Flight Accident Policy if I have already departed on my trip?

Does Medicare cover foreign travel?

Do I need travel insurance if I have a Medicare supplement?

I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?

What does "with US visit" mean?

What does "no US visit" mean?

Is there trip insurance available to cover the need to cancel a trip due to the death of a close family member - not one who is traveling on the particular trip?

I made my own travel arrangements and did not go through an agency. Can I insure my trip?

How do I determine the total cost of the trip?

What is the latest date I can purchase travel insurance?

Can I purchase a Package Policy if I have already departed on my trip?

What is considered the First Trip Payment Date?

When is the best time to purchase a Package Policy?

I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the Pre-Existing Condition Exclusion Waiver period. Do I have to wait until the flight is booked?

I am interested in travel insurance policies that cover cancellation for any reason. Does this exist?

When will my coverage become effective?

Which policies will protect me if my trip needs to be cancelled because of terrorist activity?

Is there any company that provides travel insurance to cover loss of frequent flyer program miles due to cancellation of a trip?

What is Financial Default coverage?

Would a loss due to the Financial Default of a travel agent or tour operator be covered by any of the insurance plans?

Can one business insure multiple employees on one policy, or do they need separate policies for each employee?

Who gets reimbursed if a claim is made, the company or the insured person?

Is there a discount if an insured travels for less than 30 days and purchases an annual plan?

Are there policies available to an employee that works outside the U.S. or Canada and is traveling to the U.S. or Canada?

I am going to multiple destinations. What should I use for the Primary Destination?

I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?

Can I view the policy prior to purchase?

What is Comprehensive travel medical insurance?


	Comprehensive travel medical insurance is for people who don't have any other medical insurance, even at home. Since most people who can afford it have health care coverage in their home country, often through their employer, comprehensive travel medical insurance is mainly of interest to long-term travelers who've left their jobs and lost their insurance coverage at home, or to those living and working outside their country of citizenship or permanent residence.

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What is Emergency travel medical insurance?


	Emergency travel medical insurance is for people who have medical coverage at home, but whose health plan at home doesn't cover them while they are travelling. Emergency travel medical insurance only covers emergency services abroad; once you get home, you're on your own (or presumably, back under your regular home coverage) for any necessary follow-up treatment or continuing care. Most health insurance plans and health maintenance organizations in the USA include their own provisions for emergency care while abroad, at least for trips of less than 30 days. Check with your current insurer or HMO before you waste money on an emergency travel medical plan that duplicates your existing coverage.

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What is Medical evacuation (medevac) insurance?


	Medical evacuation (medevac) insurance covers the cost of an air ambulance, attending physician and nurse, etc. if you are so badly injured, or become so ill, that you can't come home (or get to a suitable medical facility) on a scheduled commercial passenger flight. Medical evacuations can cost tens of thousands of dollars, but are rarely necessary. Even very badly injured travellers usually can come home on regular flights after no more than a couple of weeks of emergency treatment and stabilization abroad. Some of the activities most likely to lead to a need for medical evacuation, such as scuba diving and extreme sports, are often excluded from medevac coverage. Read the fine print.

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What is Trip cancellation and interruption insurance?


	Trip cancellation and interruption insurance covers the cancellation or refund penalties and the cost of getting home if you have to cancel your trip, or cut it short, for specified reasons. The covered reasons vary (read the fine print), but typically include injury or illness to you, a travelling companion, or a member of your immediate family. War and terrorism may or may not be included, or may be covered only at additional charge.

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What is Supplier default insurance?


	Supplier default insurance covers any money you lose because of the bankruptcy of an airline, cruise line, tour operator, or other provider of travel services. Supplier default coverage has been drastically cut back since 11 September 2001. Some travel insurance companies no longer offer it at all, while others pick and choose which travel suppliers they will insure. Read the fine print.

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Can I purchase a Flight Accident Policy if I have already departed on my trip?


	These policies cannot be purchased if you have already departed on your trip. Only Travelex Flight Plus can be purchased on the day of departure as long as you have not left for your trip.

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Does Medicare cover foreign travel?


	No, Medicare does not provide coverage while outside of the U.S. You should purchase travel insurance for possible medical emergencies while traveling outside of your home country.

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Do I need travel insurance if I have a Medicare supplement?


	You should check the details of your program to see if you have coverage while outside of the U.S. Most travel insurance plans will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted.

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I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?


	Yes, you can purchase travel insurance. When entering your information to obtain a quote, select "Other" as your residence and the policies that are available to you will appear with a price.

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What does "with US visit" mean?


	This plan would be needed if you are traveling in the U.S. and the U.S. is not your home country.

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What does "no US visit" mean?


	This plan would be needed if you are traveling outside of the U.S. while outside of your home country.

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Is there trip insurance available to cover the need to cancel a trip due to the death of a close family member - not one who is traveling on the particular trip?


	Yes, most of our Package Policies provide coverage for Trip Cancellation and Trip Interruption due to a non-traveling family member's unforeseen death or illness requiring you to stay home or return home earlier than expected. Each policy defines "family member" differently, but most include parents, grandparents, children, grandchildren, siblings, aunts, uncles, spouses and domestic partners under their definition.

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I made my own travel arrangements and did not go through an agency. Can I insure my trip?


	Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover your prepaid and non-refundable travel arrangements.

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How do I determine the total cost of the trip?


	To determine the insurable cost of the trip, add together the cost of all of your prepaid and non-refundable travel expenses.

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What is the latest date I can purchase travel insurance?


	You can purchase a policy up until the day before you travel. Some policies are available for purchase on the day of departure, however, our recommendation is to purchase as soon as possible to maximize your benefits. If you wait to make a purchase, you run the risk that something will happen before the policy takes effect.

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Can I purchase a Package Policy if I have already departed on my trip?


	These policies cannot be purchased once you have departed on your trip.

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What is considered the First Trip Payment Date?


	The First Trip Payment Date is the date that money first exchanged hands for the trip you want to insure. This is the date the check is written, not the date it is cashed.

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When is the best time to purchase a Package Policy?


	To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of your First Trip Payment Date. If the insurance is purchased within the 7 - 21 day period you receive three enhancements (varies by company and plan) to the policy: 1. Protection against the Financial Default of a tour operator, airline or cruise line. 2. The Pre-Existing Medical Condition Exclusion is usually waived. 3. Terrorism in Itinerary City (included on some policies where the 7-21 day time frame is not required). Please note that most companies count your First Trip Payment Date as day number one.

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I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the Pre-Existing Condition Exclusion Waiver period. Do I have to wait until the flight is booked?


	You should not wait until the flight is booked. The policy should be purchased within 7-21 days (depends on company) of your First Trip Payment Date in order to get the Pre-Existing Condition Waiver.

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I am interested in travel insurance policies that cover cancellation for any reason. Does this exist?


	Yes, there are a few companies on our website that offer the "Cancel For Any Reason" option. If you would like to read more about these Package Policies and the requirements to qualify for this option, please click here.

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When will my coverage become effective?


	Coverage begins at 12:01AM the day after you purchase a policy.

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Which policies will protect me if my trip needs to be cancelled because of terrorist activity?


	Many of our plans offer Trip Cancellation and Trip Interruption coverage for a "Terrorist Incident" that occurs in an itinerary city during the course of travel. Each company defines "Terrorist Incident" differently. There are no policies that offer coverage for the threat of a "Terrorist Incident" or for any war-related activity.

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Is there any company that provides travel insurance to cover loss of frequent flyer program miles due to cancellation of a trip?


	Currently, no company insures the loss of frequent flyer miles or the value of the airline tickets obtained by using frequent flyer miles.

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What is Financial Default coverage?


	Financial Default coverage is a benefit that is part of Trip Cancellation/Interruption coverage. This protection applies if the airline, cruise line, or tour operator goes out of business and you are unable to travel as a result or suffer financial loss. Since this coverage is time sensitive, you must purchase a policy within 7 - 21 days (depends on company) of your first trip payment date. All of the plans that contain this benefit have a 7-30 day waiting period from the time of purchase before becoming effective. Additionally, this benefit would only be available if the airline, cruise line or tour operator you are using is listed as either approved or is not excluded from coverage per the insurance company's "Travel Supplier Restrictions" list.

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Would a loss due to the Financial Default of a travel agent or tour operator be covered by any of the insurance plans?


	Financial Default of a travel agency would not be covered; a tour operator would be covered as long as the arrangements were made through a third party and not directly through the tour operator. In the rare occurrence that the Travel Agent did not fulfill the requested service, the best way to recover your loss would be through the credit card company. You may also file a complaint with your State Consumer Protection Agency.

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Can one business insure multiple employees on one policy, or do they need separate policies for each employee?


	You can put up to 9 employees on one policy. If you have more than 9 employees, you will need to purchase a separate policy.

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Who gets reimbursed if a claim is made, the company or the insured person?


	The company gets reimbursed in the event of a claim.

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Is there a discount if an insured travels for less than 30 days and purchases an annual plan?


	The rate offered on the Business Executive 30 is not subject to a discount if you travel below the 30 day limit.

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Are there policies available to an employee that works outside the U.S. or Canada and is traveling to the U.S. or Canada?


	These policies are only available to U.S. residents.

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I am going to multiple destinations. What should I use for the Primary Destination?


	The Primary Destination is the place where you are going to spend a majority of your time while on your trip.

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I input my family's ages into the quote screen. The quote presented is for the whole family not per person, right?


	Yes, the quoted premium is the final cost for all traveler ages entered. The benefits illustrated on the Quote are per person benefit limits unless noted by a red asterisk.

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Can I view the policy prior to purchase?


	Yes, you can view all coverage details by clicking on the underlined terms in the Product compare or Quote pages. A box will appear showing a description of benefits.

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