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Frequently Asked Questions

Frequently Asked Questions (FAQ) with common answers about Visitor Medical Insurance for visitors to the United States, Travel Health Insurance for foreign travelers to Canada, student Health Insurance for international students studying in USA or abroad, Europe Travel Insurance for Schengen Travel Insurance to European countries, and more.



Visitor Medical Insurance FAQ




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Student Health Insurance FAQs



International Student Health Insurance FAQ




USA Student Medical Insurance FAQ


• How does the Student Select medical Insurance satisfy the needs of college students?
• If I apply for an insurance plan from your site, am I obligated to buy?
• As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
• Who can purchase the Student select health insurance?
• Can I purchase student insurance for family members (spouse and dependents)?
• Are there any network coverage limitations?
• Do I need authorization for availing healthcare services?
• Does the student insurance provide coverage throughout the year, or just during the school term?
• Will I be covered when I go out of state?
• What happens if I transfer schools?
• Will I lose coverage when I graduate or if I leave school?
• When should I apply for student insurance?
• When does my coverage begin?
• How many times can the insurance plan be renewed?


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Global / International Health Insurance FAQ


• Why do I need a travel protection plan if I have credit cards that include travel insurance?
• What is International Travel Medical Insurance? Why do I need it?
• Will the plans cover Baggage Loss and Trip Cancellation?
• How are the insurance companies rated?
• What is the definition of a Pre-Existing Medical Condition?
• What is the Pre-Existing Condition Period?
• What is a deductible?
• Can I purchase travel insurance for my friend, relative or employee online?
• When will my coverage become effective?
• Can I purchase a Flight Accident Policy if I have already departed on my trip?
• Is there trip insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip?
• I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip?
• What is the latest date I can purchase travel insurance?
• When is the best time to purchase travel insurance?
• I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
• What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance purchased within 'x' days from First Trip Payment?
• Does the Pre-Existing Condition period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance policies that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I determine the total cost of the trip?
• When will my coverage become effective?
• I did not receive a copy of my travel insurance policy in the mail yet. What should I do?
• Can I cancel a policy I purchased? Do I incur a penalty?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave?
• Can citizens of countries other than the U.S. purchase travel insurance?
• Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
• Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
• Is it possible to insure the rental of a house or condo?
• What is financial default coverage?


Trip / Travel Insurance FAQs


• Why do I need a travel protection plan if I have credit cards that include travel insurance?
• What is International Travel Medical Insurance? Why do I need it?
• Will the plans cover Baggage Loss and Trip Cancellation?
• How are the insurance companies rated?
• What is the definition of a Pre-Existing Medical Condition?
• What is the Pre-Existing Condition Period?
• What is a deductible?
• Can I purchase travel insurance for my friend, relative or employee online?
• When will my coverage become effective?
• Can I purchase a Flight Accident Policy if I have already departed on my trip?
• Is there trip insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip?
• I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip?
• What is the latest date I can purchase travel insurance?
• When is the best time to purchase travel insurance?
• I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked?
• What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition?
• What does it mean to have the Pre-Existing Conditions waived if insurance purchased within 'x' days from First Trip Payment?
• Does the Pre-Existing Condition period apply if I purchased the insurance within the required time frame and qualify for the Pre-Existing Condition Waiver?
• I am interested in travel insurance policies that cover cancellation for any reason?
• What is the First Trip Payment Date?
• How do I determine the total cost of the trip?
• When will my coverage become effective?
• I did not receive a copy of my travel insurance policy in the mail yet. What should I do?
• Can I cancel a policy I purchased? Do I incur a penalty?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• Which policies will protect me if my trip needs to be cancelled because of terrorist activity?
• I am in the military. What if I am called to duty or denied leave?
• Can citizens of countries other than the U.S. purchase travel insurance?
• Should I include the equivalent monetary "cost" of the airline ticket that I purchased with frequent flyer miles?
• Is there any company that provides travel insurance to cover loss of frequent flyer program miles, should the airline go out of business or if I am unable to re-instate them in the event of cancellation of a trip?
• Is it possible to insure the rental of a house or condo?
• What is financial default coverage?




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