Do I need a specific travel protection plan if I have a credit card that includes travel insurance?
Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card. Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.
What do you mean by International Travel Medical Insurance? Why do I need it?
International Travel Medical Insurance provides health insurance coverage for travelers outside their home country. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more. While the regular domestic private insurance or government sponsored health insurance programs may offer comprehensive coverage in your home country, few are designed for international travelers or expatriates. Even programs that cover international travel often provide limited benefits that do not normally cover medically supervised emergency evacuation, emergency reunion, or repatriation
How are these travel insurance companies rated?
The insurance companies are rated by an independent rating company A.M.Best rating. For all the plans, each insurance company's A.M. Best rating is displayed.
Can I purchase travel insurance for my friend, relative or employee online?
Yes, you can do this as long as you complete application online.
When will my travel insurance cover become effective?
For Travel Medical, Multi-Trip Medical and Medical Evacuation Policies, coverage begins at 12:01AM the day of your departure. If purchased on, or after your departure date, coverage begins at 12:01AM the following day. For Flight Accident Policies, coverage becomes effective the day of your departure upon boarding your flight.
Can I buy Flight Accident policy if I have already started my trip?
Only Travelex Flight Plus can be purchased on the day of departure as long as you have not left for your trip. Other company policies cannot be purchased if you have already departed on your trip.
I did the travel bookings on my own and not through any agency. Can I insure this trip?
Yes, all of our policies can be used by people making their own travel arrangements. The policies will cover the pre-paid, non-refundable travel arrangements that you have made.
AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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