Questions regarding Short Term International Medical Travel Insurance policies
1. When would I want to select a Short
Term International Medical Travel
Insurance policy ?
Answer: You might choose
to apply for a Short Term International Medical Travel
Insurance policy if you were going to travel outside of your Home
Country
for a short period of time ranging from a week up to a year.
2. What is the shortest term available
for Short Term International Medical
Travel Insurance purchasers ?
Answer: It varies from
plan to plan. It could be as short as 5 days, 10 days, or 15
days.
Some of the plans permit you to purchase coverage equal to the exact
number
of days you will be traveling.
3. I am a U.S. citizen. My
spouse and children are not U.S. citizens but do live
with me in the U.S. Can I put all of us on the same
application ?
Answer: It depends upon the
plan you select. Many of the Companies design their
plans, rates, and applications based upon whether the applicants are
U.S. or
Non U.S. itizens. Others, such as the Liaison International
plan, consider the
applicant's "Home Country" only, and base their plans on
whether the
applicants are traveling to the U.S. or outside of the U.S.
4. What is meant by "Home Country" and why is it important ?
Answer: Plans normally provide
coverage while insureds are traveling outside of their
"Home Country". Plans most often define "Home Country" as that
Country
where he applicant principally resides and receives
mail. Exception are those
plans which state that if your citizenship is U.S., that your
"Home Country" is
always the U.S.
5. Are "Pre-existing" medical conditions covered ?
Answer: In most plans,
"Pre-existing" medical conditions are not
covered. However,
U.S. citizens insured under some plans including Atlas, Patriot, and
Liaison
International are protected with benefits from US$1,000 up to
US$15,000 for
a sudden and unexpected recurrence of a Pre-existing medical
condition while
traveling outside of the U.S. and Canada. The HTH TravelGap
Excursion covers up
to your selected maximum benefit. For complete information,
see the online details.
6. Can I include coverage for
activities such as scuba diving, water skiing and
other hazardous sports while traveling on vacation ?
Answer: Yes, this type of coverage is available as a rider.
7. How long can I receive necessary
treatment for an illness or injury suffered
while insured ?
Answer: The benefit period may vary
from 6 months to 12 months depending upon the
Company and plan.
8. What should I do if I become injured
or ill while on my trip ?
Answer: If you become injured or ill
and require medical assistance, contact the insurance
provider for pre-notification. they have personnel that can
assist you in
obtaining proper medical assistance. You will be provided with
a phone
number listed on your policy so that you may call collect.
Failure to follow the
pre-notification procedures could result in a reduction of eligible
benefits.
9. If I order the policy on line, how quickly will it be delivered to me.
Answer: In most cases you have three
choices which include 5 or 6 days by normal mail,
overnight (for an additional charge), or immediate delivery by
"online
fulfillment".
10. If I have questions, can I talk with a real, live person ?
Answer: Yes, you have a toll free
number (in the U.S.) to call... 1-800-584-3512. (In the U.K.) call
0.800.404.7765
Outside of the U.S. or locally, call 425-778-8628.