Travel Insurance Blog

Thinking About Getting Travel Insurance But Are Totally Intimidated By All the Dry Terms?

Pre-existing conditions, primary medical coverage, secondary medical coverage, and initial trip deposit - “What do they all mean?” Sounds familiar? Relax. Soon after reading this your only worry will be planning your next vacation.

Now let’s take a look at what each term signifies. A pre-existing medical condition is any medical sickness you’ve been suffering from prior to your travel. For example, if you or your traveling companion(s) have been suffering from diabetes or are wearing a pace-maker this would mean you have a pre-existing medical condition.

Pre-existing medical conditions are covered by any one of our “Total Travel Protection” plans as long as you purchase travel insurance within a certain time frame of when you book your trip. Some companies allow up to 21 days from your initial trip deposit. Remember that “initial trip deposit” is either a) the first time you put a deposit down or b) when you paid for your trip in full.

“If you’re like me, the only time I remember to get travel insurance is as I’m packing, usually less than a week from my departure,” said Alex
Velinov, President of Total Travel Insurance. “Last minute purchase of insurance will still cover you for emergency medical but not for any emergencies related to your pre-existing medical conditions.”

Primary coverage always covers you from the first dollar up. On the other hand, plans that offer secondary medical coverage will save you money, but only cover you after your own private health insurance paid most of the medical bill. Be sure to find out if your insurance will cover you where you will be traveling to. Typically, when traveling abroad you are outside of your network and often are not covered. Don’t have any insurance that will cover you when you’re traveling the world? Then, primary insurance is your only option.

When searching for a basic plan that will cover usual trip concerns like trip cancellation, interruption, lost luggage, trip delay or missed connection - your best bet is to get a “Total Travel Protection” plan; which will cover it all. You even get a fair amount of life and accidental death and dismemberment insurance in case of the God-forbid unforeseeable. These days you can buy a policy for a pretty good price. Premium is calculated based on your age and the cost of the trip that you would like to insure. If you are over 60 years old expect to pay a higher premium price than let’s say your daughter and her fiancé.

Insurance can get very confusing, especially if you are new to it or have a unique situation at hand. Total Travel Insurance is a unique website that offers you the opportunity to research different travel insurance companies, products and coverages. You can complete a quote and see prices and coverages side by side. Kara Cayman who is Customer Service Manager at Total Travel Insurance says, “Our website is really easy to use. The advantage you get from this site is the vast choice in finding an ideal plan for your vacation. Not only do we allow travelers to compare the most plans from all major travel insurance companies but we also specialize in helping each traveler with their own unique traveling situation. Travelers are welcomed to call up or email with any questions they may have prior to purchase.”
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posted by From Rio to Paris @ 10:00 AM 0 comments  

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