Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Covers hospital medical expenses for sickness or accidents during travel.
Covers Doctor visits in case of sudden injury or sickness.
Expenses from Doctor prescribed eligible pharmacy drugs.
Some plans cover acute onset of pre-existing conditions.
Medical evacuation expenses to nearest facility if needed.
Repatriation of remains expenses to home country in case of death.
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You can certainly purchase the travel insurance right away. You should however include the cost of your airline tickets in the trip cost. If you can find out what the price of the tickets will be before purchasing them, you can include that amount in the total trip cost. If not, an estimate will have to do. Otherwise, buy the policy now with the costs expended to date and contact us at info @ americanvisitorinsurance.com when you make your other arrangements and we will have the policy corrected to reflect the change. If there is any additional premium as a result of the change, it will be charged at that time. Be sure you do this within the 7 - 21 day purchase requirement (depends on company) in order to comply with the pre-existing condition waiver requirements.
If your medication is controlled and you see a Doctor for routine checkups, this would not be considered a pre-existing condition. It would only be considered a pre-existing condition if your Doctor altered your medication, had a test done, requested that a test be done, or changed your diagnosis.
This means you will have coverage for a pre-existing condition if you need to cancel/interrupt your trip. You get this by purchasing the policy within 'x' days the company requires (this varies for different companies), after the first payment towards your trip is made.
No, this does not apply to a policy purchased within the required time frame.
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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