Why
should I purchase Travel Protection when I have other insurance
policies?
Travel
Protection combines insurance coverage's and travel assistance services into a
comprehensive package that protects both you and your investment before and
during your trip. It’s important to remember to safeguard you and your
family against the unexpected when planning your trip. Travel Insurance Online
Cover give you peace of mind so you can enjoy your trip.
Credit card
insurance policies may protect you for flight accidents, car rental damage or
for accidental death while traveling, but this protection is usually only
offered to you when you purchase your tickets with that particular credit card.
Travel Insurance
Online Cover provide comprehensive coverage
including Trip Cancellation and Interruption benefits. Your travel investment
may be lost to travel suppliers, like cruise lines and tour operators, if you
cancel within their non-refundable cancellation period.
[top]
Won’t my Homeowner's and Medical
Insurance policies cover me during my trip?
It is best
to review your current insurance programs and the coverage they offer when you
are traveling. Many HMO's and PPO's offer limited coverage when traveling
outside your networks. Medicare supplement benefits also need to be reviewed to
determine their exact benefits or lack of benefits when traveling. Travel
Insurance Online Cover offer primary medical coverage because of the varying
degree of limitations offered by many medical plans. Homeowner's and rental
policies usually have large deductibles in the event of lost or stolen baggage
when traveling. Our coverage is primary - you file with
Travel-insurance-online-cover first and there are no deductibles.
[top]
Why is Trip
Cancellation/Interruption protection important?
All travel
suppliers, whether they are Tour Operators, Hotels, Travel Agencies, Cruise
lines or Airlines, have cancellation penalties. You pay a deposit or final
payment toward a trip and these suppliers will apply their published penalties
to your trip. You will find the published penalties more severe as your
scheduled departure date gets closer. These published penalties inform you that
if you cancel, the supplier will hold all or a large percentage of your monies
placed as down payment, deposit or final payment. You will lose this money.
Trip Cancellation and Interruption is designed to reimburse you for your loss
if you cancel or interrupt for a covered reason.
[top]
What is a Pre-Existing Condition?
A
pre-existing medical condition is any injury, sickness or condition of you, or
your traveling companion, you and/or your traveling companion's family member
or your business partner which within the sixty (60) day period prior to the
effective date of your protection plan coverage under this plan:
a)
manifested itself, became acute or exhibited symptoms which would have caused
one to seek diagnosis, care or treatment;
b) required taking prescribed
drugs or medicine, unless the condition for which the prescribed drug or
medicine is taken remains controlled without any change in the required
prescription; or
c) required medical treatment or treatment was
recommended by a legally qualified physician.
[top]
Does Travel-insurance-online-cover offer
coverage for pre-existing conditions?
Travel-insurance-online-cover covers pre-existing medical conditions,
regardless of your age, if you enroll in a protection plan within 14
days of making your initial trip deposit and purchase coverage for the full
trip cost.
[top]
Can I still purchase coverage if I miss the
14-day period after initial trip deposit?
You can
purchase travel protection up until your date of departure. You will not,
however, be covered for pre-existing medical conditions if you miss the 14-day
period.
[top]
If my traveling companion cancels
their trip and I still want to go on the trip, will
Travel-insurance-online-cover cover additional costs caused due to their
cancellation?
Yes, you
are covered for a single supplement upgrade when your traveling companion
cancels or interrupts a trip for a covered reason and you do not.
[top]
Will Travel
Insurance Online Cover Protection Plan cover me if I need to cancel or
interrupt my trip due to terrorism?
Terrorism
is a reason to cancel under Travel Insurance Online Cover The Terrorist
Incident must occur in the Insured's city of destination and you must be
scheduled to arrive in that city within 30 days following the Terrorist
Incident. The terrorist incident must also be documented in a travel
warning issued by the U.S. State Department advising that one should not travel
to the Insured’s country of destination or, for U.S. cities, reported by
the major news media. If the warning or report is issued after your effective
date and covers your trip dates, then you may cancel or interrupt.
[top]
Am I
covered if I can cancel my trip because I am laid off or fired by my
employer?
Travel-insurance-online-cover Protection Plans do offer
protection for cancellations due to terminations or layoffs affecting you or a
person sharing the same cabin or hotel room. Remember that employment must have
been with the same employer for at least 3 consecutive years.
[top]
If I
change my mind after enrolling in a protection plan, can I get a refund?
Yes,
Travel-insurance-online-cover will refund your plan cost (minus non-refundable
processing fee) if you are not completely satisfied within 10 days of
purchase, provided you have not departed or filed a claim.
[top]
Can a
foreign national purchase a Travel-insurance-online-cover Protection
Plan?
Travel-insurance-online-cover Protection Plans can be purchased
by any traveler who is physically in the United States at the time of purchase
or by any United States resident.
[top]
