Does travel insurance cover changing my mind about a trip?
Standard trip cancellation coverage does not pay if you simply decide not to travel. To cancel for non-standard reasons, you must purchase an optional Cancel For Any Reason (CFAR) upgrade, such as the CFAR option on Elite Protect, which reimburses up to 75% of non-refundable costs when specific conditions are met.
What is the difference between primary and excess medical coverage?
Primary medical coverage pays covered expenses first regardless of other health insurance policies you hold. Excess medical coverage pays after your primary personal health insurance pays its share, though certain state mandates require primary payment regardless of default plan rules. Elite and Expedition are primary medical coverage. Pathfinder is excess coverage.
How are pre-existing medical conditions handled by travel insurance?
Pre-existing conditions are excluded unless you qualify for a pre-existing condition waiver. To qualify, you must purchase your policy within a specific timeframe following your initial trip deposit date, insure 100% of your prepaid non-refundable trip costs, and be medically fit to travel on the purchase date. The TravelCare Elite plan offers the pre-existing waiver option. See the plan for more details.
Does travel insurance cover baggage loss or delay?
Yes, many policies provide benefits for baggage damage or loss up to specific per-article and total maximums. Baggage delay benefits reimburse necessary personal items, typically applying after a common carrier delay of at least 24 hours.
How do age tiers affect travel insurance medical limits?
Certain policies reduce medical benefit limits for older travelers. For instance, TravelCare Pathfinder provides up to $500,000 in Emergency Medical coverage for travelers under 65, while the age tier for travelers 65 and over provides up to $50,000.
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