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Best Trip Insurance Frequently Asked Questions

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Destination
Trip start date
Trip end date

Travel insurance for U.S. citizens with trip protection coverage - Highlights

airplanemode_inactive

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

work_history

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

luggage

Lost baggage

Pays sum for lost or delayed luggage by airline.

home_health

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Child
Residence
Destination
Start date
End date

Travel medical insurance with no trip protection - Highlights

medical_services

Health care expenses

Covers medical costs for sickness or accidents during travel.

person

Doctor visit

Covers cost of clinic or doctor visit.

medication

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

ambulance

Medical evacuation

Transportation to or between hospitals as needed.

procedure

Repat of remains

Return of moral remains to home country or local burial.

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Get answers to all your Trip Insurance questions?

1. What is trip cancellation travel insurance?

It is a type of insurance that reimburses you for pre-paid, non-refundable trip deposits on things like airline tickets, hotel rooms, rental cars and tours, due to qualifying reasons listed in your policy.

2. What are the benefits of travel insurance for students?

Travel insurance for students can cover you in the event of illnesses and injuries in an unknown place. The policies usually have evacuation and repatriation benefits included. You can also consider a trip cancellation policy to protect your trip cost in the event your trip gets cancelled for a covered reason.

3. What is student trip cancellation insurance?

Student trip cancellation insurance is travel insurance designed to provide coverage for non-refundable trip expenses in case a student has to cancel their trip due to unforeseen events.

4. Do I need a specific travel protection plan if I have a credit card that includes travel insurance?

Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card.

Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.

5. What do you mean by International Travel Medical Insurance? Why do I need it?

International Travel Medical Insurance provides health insurance coverage for travelers outside their home country. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more.

While the regular domestic private insurance or government sponsored health insurance programs may offer comprehensive coverage in your home country, few are designed for international travelers or expatriates. Even programs that cover international travel often provide limited benefits that do not normally cover medically supervised emergency evacuation, emergency reunion, or repatriation

6. How are these travel insurance companies rated?

The insurance companies are rated by an independent rating company A.M.Best rating. For all the plans, each insurance company's A.M. Best rating is displayed.

7. Can I purchase travel insurance for my friend, relative or employee online?

Yes, you can do this as long as you complete application online.

8. When will my travel insurance cover become effective?

For Travel Medical, Multi-Trip Medical and Medical Evacuation Policies, coverage begins at 12:01AM the day of your departure. If purchased on, or after your departure date, coverage begins at 12:01AM the following day. For Flight Accident Policies, coverage becomes effective the day of your departure upon boarding your flight.

9. I did the travel bookings on my own and not through any agency. Can I insure this trip?

Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover the pre-paid, non-refundable travel arrangements that you have made.

What does trip protection insurance cover?

  • Health care expenses: Covers hospital medical expenses for sickness or accidents during travel.
  • Doctor visit: Covers Doctor visits in case of sudden injury or sickness.
  • Pharmacy drugs: Expenses from Doctor prescribed eligible pharmacy drugs.
  • Pre-existing conditions: Some plans cover acute onset of pre-existing conditions.
  • Medical evacuation: Medical evacuation expenses to nearest facility if needed.
  • Repat of remains: Repatriation of remains expenses to home country in case of death.
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Trip Insurance FAQ Disclaimer

AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.. Insurance questions, comments, suggestions, inquiries about this site, please contact us!