FAQs

Q?

What type of travel insurance plan should a single traveler consider?

A.

The key goal of a travel insurance policy is to secure a traveler for the medical emergencies like getting sick from food, tripping on a root while hiking, etc. Therefore, it is important to find travel insurance policies that include benefits for unexpected interruption, trip cancellation or baggage loss.

Q?

What exactly people should look for in a policy?

A.

Before buying any travel insurance policy, one must take into account his or her pre-medical conditions as well as the dangers related with treatments for those conditions. There are insurance policies that provide complete coverage for present conditions; on the other hand, there are other policies that include a clause that bounds the events that are covered. So, in order to understand which one is the best travel insurance policy for you, speak with our expert team.

Q?

What factors you should consider while buying a medical insurance?

A.

Most of the travel insurance policies cover basic benefits such as expenses for medical emergencies, ambulance, paramedical services, and expenses to return home. You should compare dollar limits available for same benefits while looking for coverage.

For example:

There are two policies that provide emergency dental coverage but one may provide coverage of $500 and other may provide $5000.

For pre-existing conditions,

some policies need that your conditions should be stable for a period of time. Therefore, while purchasing the policy, you should have the knowledge about your stability period. Carefully compare stability clause. You need to pay special attention to the terms “Stability” and “Treatment”. These two terms can directly impact your present medical coverage since they are dynamic in nature.

Q?

How to decide how much insurance is enough?

A.

If you are planning to travel abroad, make sure your policy provides at least 1 million dollars medical coverage. One and five million dollars coverage has been offered by the leading travel insurance policies presently.

Q?

What are the top three mistakes people make while purchasing travel insurance?

A.

1.Not Purchasing Any Insurance:

Most of the people believe that they are covered by their provincial health insurance and therefore do not buy any other policy. They do not know the limitations of their provincial health plan and benefits of the travel insurance plans.

2.Purchasing at the wrong time:

Travel Insurance is time sensitive. You cannot purchase it too early, if you feel that your health conditions may change in upcoming months. Most of the insurers in face will also require that you purchase travel insurance policy within 7 days of booking the trip. So, we advise you to purchase travel insurance policy before making a deposit on your trip.

3.Unknown to the “Stability” clause and important Terms:

It’s a big myth that- if you have pre-existing health conditions, you cannot avail travel coverage. Most of people live in this misconception. You should understand your present health and compare policies to find out the best one for you. There are many options to cover conditions with or without a stability clause. Have a word with us, if you are also living with this myth. Our expert and experienced team will advise you the best fit for you.