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What is the Pre-Existing Condition Period? |
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This is the number of days that the insurance company will "look back" from the day the insurance was purchased, to see if your claim is related to a pre-existing medical condition. |
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What is a deductible? |
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A deductible is a way for the insurance company to reduce claims and your premium. If your plan has a $100 deductible, you pay the first $100 of expenses and then the insurance company picks up the rest/ The higher the deductible, the lower the cost and vice versa. |
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Can I purchase travel insurance for my friend, relative or employee online? |
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Yes, you can do this as long as you complete application online. |
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When will my coverage become effective? |
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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. |
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Can I purchase a Flight Accident Policy if I have already departed on my trip? |
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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. |
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Is there trip insurance available to cover cancellation of a trip due to the death of a close family member - even when the family member is not traveling on the particular trip? |
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Yes, most of our package policies provide coverage for trip cancellation due to a non-traveling family member's death or illness requiring you to stay home. |
NRIOL has 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 policies. NRIOL is not liable for any problem resulting from the content on this FAQ.
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