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Travel Insurance Checklist

Please find below a travel insurance checklist. This will help you decide on the right travel insurance plan for you, your family, group or business.  Here is an ever expanding travel insurance policy checklist:

  1. Make sure you read the travel insurance plan terms and conditions. Travel insurance policies can differ widely from travel insurance supplier to supplier and from policy to policy. Many travel insurance policies have different rules for citizens of the USA versus all other citizens.
  2. No travel insurance policy will cover everything, no matter what you are willing to pay
  3. Does the travel insurance cover my pre-existing medical condition? Most travel medical insurance policies do not cover pre-existing medical conditions. Some may cover the existing medical conditions if they have been stable for a number of months or years or have not been a problem for a set number of years. Many trip cancellation and interruption insurance plans will cover stable pre-existing conditions if you purchase the vacation insurance policy within a certain number of days after the initial trip deposit. The standard number of days is 14.
  4. If you want travel insurance policy to cover your pre-existing medical condition, contact the travel insurance supplier and tell them your situation. The travel insurance agent may have a policy which can cover your illness depending on the severity and stability of the condition. Travel Insurance does have access to some policies which can cover some pre-existing illnesses with the required medical forms.
  5. Purchase travel insurance from a provider or web site which offers several different policies.
  6. Make sure that the travel insurance suppliers will stand behind their policies and have secure underwriters
  7. The travel insurance supplier should have a 24/7 claims line that can service your travel insurance claim. You can usually call the insurer directly via a 1-800 or collect call phone number. Some insurers allow you to process claims via the internet and also contact them via email. Do not contact the broker or travel insurance web site - you need to contact the insurer directly via the contact numbers provided after your purchase your policy.
  8. If you are going to participate in a hazardous sport, make sure that the travel insurance policy you are buying covers that activity. Most travel insurance plans have an exclusion for certain hazardous activities, but some policies allow you to add back a list of select hazardous sports into the policy for an extra 10 to 20%. It is no use getting travel insurance if the policy is not going to cover that hazardous sport. Some examples of hazardous sports are hang gliding, scuba, snorkelling and organized sports.


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