Doesn’t my credit card or regular medical insurance policy provide coverage for me while I’m traveling?
most health plans don’t provide payment directly to foreign hospitals your coverage may contain a deductible that you are responsible for satisfying most health plans do not cover the cost of emergency medical transportation Can I cancel my trip for any reason and get all my money back? No. Trip Cancellation coverage will refund pre-paid non-refundable payments if you have to cancel for a covered reason. Covered reasons include sudden medical emergencies, bankruptcy of a cruise line or tour operator, severe weather, terrorist incidents and being called for jury duty. There are other reasons as well but business obligations, change of mind, Pre-Existing Conditions are not covered. Can you explain the Pre-Existing Conditions Exclusion and the waiver to me? A Pre-Existing Condition is any injury or illness that is in existence 60 days prior to and including the effective date of your insurance plan. These conditions are not covered unless you purchase the travel protection within 14 days
