When deciding on plan benefits you need to ask a few questions. The answers to these questions guide you in making the correct decision for your trip.
Most people choose too low because they only think of the cost while on the trip. They don’t realize that the insurance also assists with medical bills once they get home if they have begun getting treatment while on the trip and have a receipt. We recommend $1,000,000 in coverage because the cost of the insurance is so inexpensive and the cost for emergency evacuation and continuation of coverage can get very expensive.
There are several choices for the amount you pay before the insurance begins to pay. We recommend $0.0 because when you are overseas there enough difference in conversion rates that you want to keep your coverage decisions simple. Choosing a higher deductible does lower your daily premium, but the insurance is so inexpensive it is easy to be penny wise and dollar foolish.
The latest you can purchase international medical insurance is the day before you depart. You want to be sure that you cover all the days you are traveling until you land back in your home country.
The Adventure sports riders is a wise investment if you are planning to be a part of any activity you don’t normally participate in, such as zip lining, para sailing, or other water sports. This typically adds 20% to the daily rate, but if you get hurt during these activities, and you don’t have the coverage you will regret that decision.
If you are ill or injured on the trip, you must get a receipt to use the continuation of treatment benefit that is available in your policy. The amount of the receipt is not the most important part. The date on the receipt is what starts the clock on the length of the eligible benefit. This benefit ranges from 6-12 months from the time the treatment began overseas.
In most cases, your domestic medical coverage will not cover you while abroad, or may offer only limited benefits. Medicare does not travel with you, and your Medicare Supplement plans only have limited benefits. Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.
Your basic travel insurance will not cover you if you like to live on the edge and participate in activities such as bungee jumping, flying a private plane, hand gliding mountaineering, white water rafting, and other adventures activities. This is a rider you can add to your coverage. See full list of activities covered in the brochure.
You may need to buy your coverage quickly. Certain plans, such as trip cancellation plans, have benefits that are not available unless you purchase your coverage within 10-15 days of your initial down payment on your trip. Trip cancellation may exclude pre-existing conditions, or not offer a “Cancel For Any Reason benefit” if you purchase coverage after a certain number of days from the time that you make your initial trip deposit. See the brochure for details.
Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01 am the next day.
Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months, please give us a call for advice.
Under short-term medical policies, pregnancy, including complications is generally excluded. With some long-term plans, if you have the coverage for 11 months or longer, maternity coverage can be purchased. Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-800-578-2111.
Certain plans provide coverage for acts of terrorism when traveling. The act of terrorism cannot occur in a country where the U.S. Department of State has issued a travel warning within the past six months.
Most policies do not have an age limit, but they do have a maximum amount of coverage that they will provide based on your age. Most policies start to decrease coverage after age 79. Contact us for questions about coverage after the age of 79.
Print your ID card and a copy of the claim form. Your ID card contains your policy certificate number, your name, and dates of coverage. The ID card and claim form both have the phone number for the insurance company. It is also a good idea to email a family member or trusted person a copy of your insurance coverage, passport, itinerary, credit card, and other travel documents in case you lose them.
Your ID card contains important information including contact information to use in the event a medical emergency should arise. We recommend that you carry it with you at all times.
For international coverage the confirmation email you receive from the insurance carrier contains a link to reprint an ID card or any additional forms, such as your policy certificate or claim forms.
If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.
If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/sickness and trip cancellation needs in one.
If you decide to travel longer, we can help keep you covered! You can contact us with the specific dates of coverage needed. You can also buy a new policy online while traveling if your policy has expired.
Your policy documents are included in the confirmation email you receive from the insurance carrier. For international coverage it will be listed on the confirmation email (Transaction Summary) under Cover Letter, Certificate Wording, & Universal URX Discount Card (if applicable). For domestic coverage it will be attached to the email you receive that includes your medical ID card. If you did not receive the email directly from the insurance carrier, please contact your travel group leader for the policy.
Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as, but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Contact the carriers listed on your medical ID card or give us a call at 1-800-578-2111.
There is no PPO network outside the U.S. You are free to visit any doctor or hospital. Make sure to keep all copies of bills for claims purposes. Inside the U.S. and Canada there is a network of doctors to visit; however you will still have coverage if you go outside of network. Once you have enrolled in coverage, log in to the Current Clients portal to search for hospitals or doctors in your area or country, and even facilities that offer direct billing with the insurance company to reduce your amount of paperwork.
We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for; please contact us and we will be happy to assist you directly.
Accidental Death and Dismemberment (AD&D) – Accident insurance that pays the insured or beneficiary in case of bodily injury or death due to an accident, that is not natural causes.
Calendar Year – The amount of time between January 1 and December 31. The 12 month period beginning January 1 and ending at 12:00 midnight on December 31, the last day of the year.
Certificate of Creditable Coverage (CCC) – A certificate issued by an insurance company that gives written verification of the existence of insurance, dates of coverage, and thus is proof that a person has or has had valid medical insurance.
Claims – The legal maximum allowable amount of money due an insured person from an insurance company to pay for an incurred medical expense. Usually a claim is made in the form of a written notification to the insurance company requesting payment for medical care received, care that is covered under the terms of the insurance policy.
Co-Insurance – A percentage of the medical costs to be shared by the insurer and the insured after the deductible has been met. In an 80/20 to $5000 plan, the insured will pay his deductible (e.g. $500) and also 20 percent (the co-insurance) of the first $5000 of medical costs. Then the insurance company will cover all eligible expenses after the out-of-pocket maximum. Note that co-insurance is not the same as co-pay.
Co-Pay / Co-Payment – A certain amount of money, usually a fixed preset dollar fee, paid by a person who has insurance at the time medical care is received. This fee is in addition to any deductible and co-insurance limits.
Covered Expenses – Medical expenses that the insurance company will cover based on the insurance policy purchased, thus expenses that qualify for reimbursement. A summary of covered expenses is listed in the Schedule of Benefits.
Deductible – The amount of medical costs to be covered by the insured before the company begins to cover costs.
Dependent – Usually a spouse and/or children who are legally dependent on the insured. Depending on the insurance plan, dependents may qualify for insurance coverage on the insured’s policy.
Effective Date – The date when the insurance coverage begins. The day when coverage for medical care begins.
Eligible Medical Expenses – A medical expense that an insurance company will cover. For example, many insurance policies will not cover plastic surgery, so it would not be an eligible medical expense.
Explanation of Benefits (commonly referred to as an EOB form) – Is a statement sent by a health insurance company to covered individuals explaining what medical treatments and/or services were paid for on their behalf.
Fulfillment Kit – Materials sent to the client after they have been approved for insurance coverage. The kit usually contains the medical ID card, a certificate of coverage, a detailed explanation of the insurance plan, information concerning filing claims, and contact information for the insurance company.
The Health Insurance Portability and Accountability Act (HIPAA) – This is also known as the Kassebaum-Kennedy Act enacted by the US Congress in 1996. It includes basic requirements for health insurance privacy and portability of health insurance, thus avoiding exclusion of coverage for pre-existing medical conditions.
In-Network, Out-of-Network – Medical facilities and practitioners that have contracted with the insurance companies to provide discounted rates. Those facilities that have not contracted are considered Out-of-Network. The insured will save money by using In-Network providers and facilities.
In-Patient – A patient admitted for a 24-hour residence (or at least overnight) in a medical facility where he is being treated.
Insurance Broker – An individual who works as an intermediary between a person wanting insurance and one or more insurance companies to guide them in the purchase of insurance.
Lifetime Maximum – The maximum amount an insurance company will provide for all medical care received. The usual limits are $1,000,000; $3,000,000 or $5,000,000.
Maximum Limit, Maximum Coverage – The maximum amount an insurance company will provide for all medical care received. The usual limits are $1,000,000; $3,000,000 or $5,000,000. (Same as Lifetime Maximum)
Medical Evacuation (MedEvac, medivac) – Timely and efficient evacuation and en-route care of critically ill or injured persons, usually by air transportation, to a place where they can receive adequate medical care.
Online Fulfillment – Electronic communication of medical ID card, certificate or indication of coverage, information on the policy purchased, how to file a claim, and the insurance company’s contact information.
Out-Patient – A patient who receives medical treatment at a clinic or hospital, but is not admitted for an overnight stay.
Out-of-Pocket – Direct outlays of cash that will not be reimbursed by the insurance company. This will include deductibles and co-insurance limits.
Policy Year – The amount of time from the effective date of the policy that comprises one full year. For example, if the effective date begins January 14, 2012, the coverage will end at midnight, January 13, 2013.
Pre-Certification – The need to check with the insurance company before receiving medical care, generally for major medical procedures, to confirm if the medical care received will be covered by the insurance company.
Pre-Existing Condition – Any medical condition that the insured has prior to contracting for insurance coverage.
Premium – Payment for insurance, the amount paid by the insured to the insurance company for health insurance coverage.
Preventive Care (Wellness Benefit, Well-Care) – Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations.
Rider (Waiver) – A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions.
Schedule of Benefits (SOB) – A list of the benefits, amount of coverage provided in a health insurance policy, usually one or two pages in length.
Trip Cancellation – Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death or other specific unforeseen circumstances The trip cancellation benefit covers you in the event you have to cancel prior to your trip due to a covered reason listed in your travel insurance policy prior to your departure date.
Trip Interruption – Trip interruption plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crises (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crisis) occurs during your trip causing it to be cancelled, interrupted or delayed.
Underwriter – (1) The company that receives the insurance premium and accepts the responsibility to cover medical costs; (2) The employee in an insurance company who decides whether or not the insurance company should assume the risk of offering the insurance to an individual or group; (3) An insurance agent.
Usual, Reasonable & Customary (UCR) – The amount an insurance company will pay for a covered medical expense based on the customary charges of all medical providers in a given geographic area for a similar service.
Waiting Period – A period of time the insured must wait before some or all of the coverages offered in an insurance plan begin and the insured can receive benefits.
Waiver (Rider) – A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions.
Wellness Benefit (Preventive Care, Well-Care) – Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations.