Trip Insurance - General Questions

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

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

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

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

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

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

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

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

What does trip protection insurance cover?


Trip cancellation

Expenses due to pre-paid, non-refundable and unused payments.
medical evacuation

Medical evacuation

Emergency medical evacuation expense to medical facility.

Trip delay

Reimbursement of additional expenses due to trip delay.

Lost baggage

Reimbursement for loss of checked in baggage expenses.

Baggage delay

Expense due to delay in arrival of baggage during travel.
medical expenses

Medical expenses

Medical treatment for sickness or injury during your vacation.

What does visitor travel 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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Get answers to all your questions?

What is the latest date for me to purchase travel insurance?

You can purchase a policy up to the day before you travel. However we recommend that you purchase the insurance as soon as possible. Purchasing early will prevent situations where something can happen before you buy your insurance which will not be covered.

When is the best time to buy travel insurance?

To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of making your initial trip payment. If the insurance is purchased within the 7 - 21 day period may you receive two significant enhancements (varies by company and plan) to the policy.

  • Protection against the financial default of a tour operator, airline or cruise line.
  • The pre-existing medical condition exclusion is usually waived.

Please note that most companies count the day you make the first trip payment as day one and not the day when the check is cashed.

What is the First Trip Payment Date?

The First Trip Payment Date is the date that you first made a payment for the trip you want to insure. This is the date the check is written not the date it is cashed.

How do I evaluate the total trip cost?

To determine the insurable cost of the trip, add together the cost of all of your non-refundable pre-paid trip arrangements.

When will my coverage kick in?

Coverage begins at 12:01AM the day after you purchase a policy.

Can non US citizens buy these travel insurance plans?

Yes. Travel insurance is available to non-U.S. citizens whether or not they reside in the United States.

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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..
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