Travel Insurance Help and Guidance

Q. What is travel insurance?
Q. How does Travel Insurance differ from my personal insurance?
Q. What is the effective date of the insurance?
Q. When do I buy insurance?
Q. Why should I purchase insurance early?
Q. How is premium determined?
Q. One of the members of our family is much older than the rest of us. Does that effect the premium?
Q. Why shouldn't I wait until a time closer to departure to buy insurance?
Q. What's the latest can I purchase travel insurance?

What and/or Who should be insured

Q. Who should be insured for Trip Cancellation and Interruption insurance?
Q. How do I determine the amount to be insured for Trip Cancellation?
Q. Are Frequent Flyer Miles Insurable?
Q. Can a trip obtained as an award or through a charitable auction be insured?
Q. We are renting a villa/apartment/condo. How do we insure that?
Q. We are renting a yacht. How do we insure that?
Q. Can I purchase insurance for another person?
Q. Can non-US Citizens purchase insurance?
Q. Should our whole family be included on one policy?
Q. I'm traveling with a friend. Can we be on the same policy?

Covered Reasons for Cancellation/Interruption

Q. Do any of the plans cover Terrorism?
Q. Is Pregnancy covered for trip cancellation/interruption benefits?
Q. Can I cancel for any reason?
Q. What is the airline "minimum scheduled connecting times"?

Pre-existing Medical Condition

Q. Define pre-existing condition.
Q. We have an immediately family member who is currently ill. Can we still purchase insurance?

Pregnancy

Q. Is Pregnancy covered for trip cancellation/interruption benefits?
Q. Is Pregnancy covered for medical expenses?

Medical Insurance

Q. Can I purchase medical benefits without baggage and trip cancellation, etc.?
Q. Are there deductibles for Medical benefits?
Q. Some plans offer a "per policy" medical limit. We like the other benefits and conditions of the plan, but would feel more comfortable having the limit would apply to "per person". Can that be done?

Emergencies

Q. How do I get help while I'm on my trip?
Q. Will my medical bills be paid directly and immediately up obtaining treatment?

Claims

Q. What is a Deductible?
Q. Where do I file a claim?

Flight Insurance

Q. What's Flight Insurance?
Q. What's the difference between Flight Insurance and Accidental Death & Dismemberment insurance?
Q. Does Flight Insurance cover the cost of my ticket if I have to cancel?

General Questions

Q. What if I made a mistake and don't want the plan I purchased?
Q. There are so many plans available. How do I select the plan that is right for me?
Q. Can I speak to a Live person?
Q. Can I save a quote for future reference?
Q. Can I email a quote to friends?

QuoteWright.com System Questions

Q. Some of the plans disappeared after I resorted the available options?
Q. How long is the process to purchase insurance from the QuoteWright.com website?
Q. Can I get more information about the insurance plans quoted?
Q. Can I compare plans side-by-side?
Q. Why are some items underscored?
Q. What does ^[2] mean?


Q. What is travel insurance?

A. Travel insurance protects you against the popular losses that may be encountered during either leisure or business travel. Travel insurance comes in different forms which focus on specific needs. The following is a general description of the types of travel insurance plans available.
"Packaged" plans - a comprehensive package of benefits providing protection against all aspects of potential loss: trip cancellation/interruption; medical; emergency evacuation; baggage insurance. All (except Trip Cancellation) benefits and benefit limits are pre-set. Must be purchased prior to departure.
"Medical" plans - focus on medical and emergency evacuation benefits. Medical plans are designed for long term travel and/or higher limits of medical insurance which may not be offered by some "Packaged" plans. Medical plans are unique because you can obtain coverage after travel has commenced or extend coverage after the original plan has ended.
"Flight" plans - provide Accidental Death & Dismemberment insurance while you are on the flight, boarding, alighting or being transported by the airline.
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Q. How does Travel Insurance differ from my personal insurance?

A. Travel insurance is designed to provide protection against the perils that frequently occur to vacation and business travelers. Typically, baggage and medical insurance are the coverages that may be duplicated.
Many home owner's or renter's insurance have deductibles. There are no deductibles with Baggage insurance.
In many plans the medical benefit is primary, eliminating the time-consuming task of filing with your personal insurance. The "Packaged" plans do not have deductibles. Additionally, travel insurance will fill the gap and reimburse those amounts that may not be covered by your own insurance.
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Q. What is the effective date of the insurance?

A. It depends on the type of coverage and plan selected. In general:
Trip Cancellation insurance goes into effect 24 hours after the receipt of the order by the underwriting company.
Trip Interruption, Baggage, Medical Insurance, Flight Insurance go into effect on your departure date.
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Q. When do I buy insurance?

A. The earliest would be the same day, after your initial deposit/purchase of any trip arrangement.
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Q. Why should I purchase insurance early?

A. You are eligible to receive time-sensitive enhancements if you purchase a plan within 7 to 21 days (varies by company) from your initial deposit. Trip Cancellation benefits begin protecting you the day after you purchase the plan against a "named peril" of the policy.
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Q. How is premium determined?

A. It may vary by company and plan. For Trip Cancellation/Interruption: the cost of the trip, age and duration of your trip. Medical plans focus on the age of the insured person(s), benefit limit and deductible selected.
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Q. One of the members of our family is much older than the rest of us. Does that effect the premium?

A. Yes, it usually does.
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Q. Why shouldn't I wait until a time closer to departure to buy insurance?

A. Some suggest you purchase travel insurance when the cancellation penalties for your trip become effective. The theory is that you won't have a loss because your pre-payment will be refunded and you shouldn't spend more money than necessary. However, the longer you wait, the greater chance you (or an immediate family member or traveling companion) may develop a "pre-existing medical condition" or another foreseeable event, which wouldn't be covered by the plan.
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Q. What's the latest can I purchase travel insurance?

A. The day before your departure. However, we suggest you never wait that long. There is always the possibility you, an immediate family member or traveling companion may develop a "pre-existing medical condition" or a "foreseeable event" may develop which would exclude you from benefits.
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Q. Who should be insured for Trip Cancellation and Interruption insurance?

A. Anyone who has prepaid, non-refundable expenses in their name. You should also insure minor children even though their arrangements have been paid for by an adult.
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Q. How do I determine the amount to be insured for Trip Cancellation?

A. We suggest insuring the total amount of your trip arrangements that will be paid prior to your departure and that are non-refundable.
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Q. Are Frequent Flyer Miles Insurable?

A. Tickets obtained through frequent flyer or award points have no dollar value for Trip Cancellation benefit's purpose. However, should your trip end prematurely due to a "covered reason" of the plan, then the Trip Interruption benefit would reimburse the cost of the additional transportation to return you to your home. We suggest you adjust your insurable trip cost to reflect a one-way ticket from your farthest destination back home. Some plans offer a higher Trip Interruption benefit limit automatically that may be appropriate.
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Q. Can a trip obtained as an award or through a charitable auction be insured?

A. No. You must have an insurable interest, which equates to your dollar investment in the trip. Ask the question, "What is my financial loss". If you have no financial loss, you have no insurable interest. A trip obtained through a charitable auction is a tax deduction.
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Q. We are renting a villa/apartment/condo. How do we insure that?

A. As long as you have a binding contract with cancellation penalties, you may insure the pre-paid rental against loss due to a "covered reason" of the policy. Insuring rental property can be complex if more than one person or family unit is involved. Please call our office (800 821-4940) and speak to a customer service representative for guidance.
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Q. We are renting a yacht. How do we insure that?

A. Most packaged plans allow you to insure a pre-paid yacht charter for a "covered reason" of the policy. Insuring yachts can be complex if more than one person or family unit is involved. Please call our office (800 821-4940) and speak to a customer service representative for guidance.
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Q. Can I purchase insurance for another person?

A. You may use your credit card to purchase insurance for another. It is required that the insured person is aware that the insurance is being purchased on them.
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Q. Can non-US Citizens purchase insurance?

A. Yes, there are several plans available to non-US Citizens. QuoteWright will correctly determine the available plans based on the information you provide.
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Q. Should our whole family be included on one policy?

A. Yes. Most plans consider a family unit to be: mother, father and dependent children under the age of 22.
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Q. I'm traveling with a friend. Can we be on the same policy?

A. Each should have your own policy. Only family members should appear on the same policy. When reviewing the policy details, it is important to review the definition of "Traveling Companion" and the "covered reasons" relating to illness, injury or death of Traveling Companion.
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Q. Do any of the plans cover Terrorism?

A. Yes, "Packaged" plans include terrorism as a "covered reason" for Cancellation/Interruption coverage. Some plans will offer this "covered reason" as a time-sensitive enhancement requiring you to meet specified conditions of the plan.
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Q. Is Pregnancy covered for trip cancellation/interruption benefits?

A. Most "Packaged" plans will provide benefits for Trip Cancellation/Interruption coverage if a life threatening complication caused the termination of your trip.
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Q. Can I cancel for any reason?

A. Travel insurance has specific "covered reasons" (or "named perils") for which you can cancel. While the covered reasons are similar between companies, there are slight differences that will make one plan more attractive than another. You can view the covered reasons side-by-side when you make your plan selections.
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Q. What is the airline "minimum scheduled connecting times"?

A. The pre-determined allowable times between connecting flight are set by the airlines. Your airline can advise you of the legally allowable time betweens flights. If you are booking your own flights through an on-line ticketing agent (not directly with the air line) be cautious and contact the airlines to determine allowable connecting times.
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Q. Define pre-existing condition.

A. In the simplest terms, a pre-existing condition is a change in medical history, symptom, diagnosis, treatment, etc that occurs in a specified number of days (pre-existing condition period) immediately prior to purchasing the travel insurance plan.
Each plan has its specific requirements and definition of pre-existing condition, which you can view by clicking on the appropriately labeled "Eyecon" when comparing the plans side-by-side.
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Q. We have an immediately family member who is currently ill. Can we still purchase insurance?

A. If it is foreseeable that this person's deteriorating health will cause you to cancel, then we suggest you don't purchase insurance. Travel insurance only covers "unforeseeable" perils.
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Q. Can I purchase medical benefits without baggage and trip cancellation, etc.?

A. Yes. In Step 1, select "Insure Medical Costs" from the drop-down window labeled: "Looking to Insure:"
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Q. What if I made a mistake and don't want the plan I purchased?

A. Most plans have a "free look" period in which you premium will be returned, minus the insurance company's administrative fee. The "free look" period is different for each company and ranges anywhere from 3 to 10 days from the plan's purchase.
If you wish to cancel a plan under the "free-look" provision of the plan, please contact our office for guidance. You may call us at: 800 821-4940; or email us at: service@quotewright.com.
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Q. How do I get help while I'm on my trip?

A. All companies provide 24/7 emergency assistance. The "toll free" or "call collect" contact information is provided when you purchase the policy.
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Q. Will my medical bills be paid directly and immediately up obtaining treatment?

A. All benefits are reimbursed to you after review of a claim. Many plans will advance payment on a conditional basis. You can review the specific offerings when reviewing the plans on the side-by-side comparison.
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Q. Where do I file a claim?

A. Your claim will be reviewed directly by the underwriting insurance company. You are given the specific claim contact information when you purchase the plan of your choice.
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Q. What's Flight Insurance?

A. Flight Insurance covers your life while you are a passenger. It is an Accidental Death & Dismemberment benefit that covers injury or death while a passenger of a regularly scheduled flight.
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Q. What's the difference between Flight Insurance and Accidental Death & Dismemberment insurance?

A. Both are forms of Accidental Death & Dismemberment insurance. Accidental Death & Dismemberment (AD&D) covers you during the duration of the trip, and protects against death or dismemberment of due to an accident during your trip.

Q. Does Flight Insurance cover the cost of my ticket if I have to cancel?

A. No. Trip Cancellation is the coverage that protects the value of your ticket and all other pre-paid and non-refundable trip costs.
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Q. What is a Deductible?

A. A deductible is an amount of money you must pay ("out-of-pocket") before the insurance plan will reimburse you for your expense.
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Q. Are there deductibles for Medical benefits?

A. "Packaged" plans don't have deductibles. However, some are "secondary" or "excess" plans and pay benefits after a primary insurance plan pays benefits.
"Medical" plans do have deductibles. You can select the deductible as well as the medical benefit limit.
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Q. Some plans offer a "per policy" medical limit. We like the other benefits and conditions of the plan, but would feel more comfortable having the limit would apply to "per person". Can that be done?

A. Yes. You can purchase a separate policy for each family member. With only one person insured on the policy, the whole limit will be available to them.
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Q. Is Pregnancy covered for medical expenses?

A. Only complications to a pregnancy would be covered in most "Packaged" plans.
Most "Medical" plans exclude pregnancy from coverage, regardless if a complication to pregnancy caused the treatment.
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Q. There are so many plans available. How do I select the plan that is right for me?

A. QuoteWright.com is a user-friendly site designed to simplify the complexity of travel insurance. Answer a few simple questions and we will provide you only with the available plans meeting your requirements. You are able to reshuffle information to achieve the results you desire. Our side-by-side plan comparison allows you to make an informed decision regarding the best plan for you.
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Q. Can I speak to a Live person?

A. Yes, our staff of travel insurance experts, "Quote Wrights", are available weekdays from 9:30 am to 5:30 pm ET. You can also communicate via email to: service@quotewright.com. We monitor emails 7 days a week, so service is available during evenings and weekends.
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Q. Can I save a quote for future reference?

A. Yes, you can email the quote to yourself. You can "bookmark" or save the quote as a favorite, but we suggest you email the quote to yourself. However, whichever way you save the quote remember that our partner companies can change their coverages and rates without notice and the quotes are only valid when first obtained.
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Q. Can I email a quote to friends?

A. Yes, you may send quotes to your friend(s). When you do a quote and see the results you will see a 'email' button, click on this. Enter your email then click on 'add another email' for as many other emails you would like to send the quote to. Once you submit this make sure to check your spam folder just in case it gets caught in there.
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QuoteWright.com System Questions

Q. Some of the plans disappeared after I resorted the available options?

A. The order of the plans will change but they will all still be there.
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Q. How long is the process to purchase insurance?

A. When you've made your choice, the purchase process should take no longer than a couple of minutes. Our website provides detailed and flexible analysis of the many products available to you. You are able to change information and resort the information by using various criteria. Our quote and comparative engine has a few steps, but the strength of our site is on the 3rd page. See "TIPS" for a more details description of what you can expect from the QuoteWright system.
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Q. Can I get more information about the insurance plans quoted?

A. Yes. We offer a powerful comparison tool that is unique to insurance comparison websites. You may compare several plans side-by-side. We offer you the ability to provide the comparison of all benefits and policy conditions side-by-side for your convenience and review. This unique feature enables you to make an informed selection of the plan that best fits your needs.
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Q. Can I compare plans side-by-side?

A. Yes. When at Step 3, place a check mark in the box to the left of all the plans you wish to review side-by-side, and then select the Compare button.
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Q. Why are some items underscored?

A. Our goal is to provide a website that is user-friendly and educational. Underscored items are hyperlinks to definitions of the specific item selected.
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Q. What does ^[2] mean?

A. This hyperlinked message advises that coverage will coordinate and/or pay for covered expenses after any primary plan that the insured might have in place.
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