Your Travel Insurance Questions

insurance claim formTravelers asked, we answered: Top questions from our site.

With a recent redesign to the InsureMyTrip website, there are more opportunities for travelers to engage with licensed travel insurance representatives to get answers to their questions about various products and coverage options.  There’s plenty of food for thought in the comments section underneath many of our articles now, but we thought it might be helpful to take a few of the questions that have been asked (and answered) there and talk about them in a bit more depth.

“Can I really cancel for ANY reason?”

We get this kind of question a lot; people really want to know how a “Cancel for Any Reason” (CFAR) policy might work for them.  It does sound suspicious on the surface, especially if you’re familiar with travel insurance and you know that most policies have a list of exclusions, or things that aren’t covered (no matter how much you might wish that they were).  Despite sounding too good to be true, however, CFAR is a real coverage option, and yes, it really does allow you to cancel your trip for ANY reason, provided you meet the requirements laid out in the policy language.  In order to be eligible to get CFAR, you typically have to buy your travel insurance within a defined period of time, which is generally anywhere from 10-30 days of your initial payment on your trip. In order to use your CFAR benefits, you have to cancel your plans at least 2 days ahead of time, and notify all of your travel suppliers.

Learn more about Cancel for Any Reason travel insurance

“If I am traveling with my wife and we have evacuation insurance and one of us becomes ill or injured and requires evacuation, will the evacuation insurance cover the transportation for both of us, or only the one needing medical assistance?”

Obviously, if you’re traveling abroad and your companion needs to be evacuated for emergency medical treatment, the ideal scenario would be for you to be able to accompany them – whether directly on the medical evacuation transport, or following soon after through separate arrangements.  Generally speaking, if you’ve bought a Comprehensive travel insurance plan that’s providing your medical evacuation coverage, the additional transportation expenses for traveling companions would be covered – up to a certain dollar amount.  The best way to make sure that you’d have this type of coverage from your travel insurance provider is to ask the question before you make your purchase.

Read about the criteria for emergency medical evacuation, as well as medical evacuation costs.

“Is high blood pressure that is controlled by medication generally considered to be a pre-existing condition in the event of a heart attack?”

It’s almost always hard to give a definite “yes” or “no” answer to this kind of question; the answer really varies depending on the actual medical records of the individual, as well as the travel insurance policy they’ve purchased.  However, the best course of action if you’re at all concerned about a medical condition of any kind – whether you feel it’s controlled or not – is to look into getting travel insurance with a Pre-Existing Conditions Waiver.  The waiver would mean that your travel insurance company would not be able to look into your medical history when considering any claim you might have to make.  Pre-Existing Conditions Waivers do come with some eligibility requirements, so you may not be able to purchase one for your trip; if that’s the case, then trying to find a travel insurance plan with a very brief “look back” period is the next best thing to do.  Look back periods, also known as the pre-existing conditions period, can range from 60 days all the way to 180 days, so a 60-day look back period is the smartest way to go for someone who’s concerned about a possible pre-existing condition but isn’t able to purchase a plan that includes the waiver.

Read up on travel insurance for pre-existing conditions, and learn more about what a look back period means.

Do you have other questions about travel insurance?  Share them in the comments.

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