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I did not go through a travel agency, and did the travel bookings on my own. Can I insure my trip? |
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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. |
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What is the latest date I can purchase travel insurance? |
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You can purchase a policy up to the day before you travel. However we recommend that you purchase the insurance as soon as possible. Purchasing early will prevent situations where something can happen before you buy your insurance which will not be covered. |
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When is the best time to purchase travel insurance? |
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To receive the most benefit from the travel policy you must purchase the insurance within 7 to 21 days (varies by company and plan) of making your initial trip payment. If the insurance is purchased within the 7 - 21 day period may you receive two significant enhancements (varies by company and plan) to the policy.
Protection against the financial default of a tour operator, airline or cruise line.
The pre-existing medical condition exclusion is usually waived.
Please note that most companies count the day you make the first trip payment as day one and not the day when the check is cashed.
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I booked part of my vacation, but not the flight. I would like to purchase travel insurance within the pre-existing condition exclusion waiver period. Do I have to wait until the flight is booked? |
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You can certainly purchase the travel insurance right away. You should however include the cost of your airline tickets in the trip cost. If you can find out what the price of the tickets will be before purchasing them, you can include that amount in the total trip cost. If not, an estimate will have to do. Otherwise, buy the policy now with the costs expended to date and contact us at info@americanvisitorinsurance.com when you make your other arrangements and we will have the policy corrected to reflect the change. If there is any additional premium as a result of the change, it will be charged at that time. Be sure you do this within the 7 - 21 day purchase requirement (depends on company) in order to comply with the pre-existing condition waiver requirements. |
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What if I take medication for high blood pressure, for example? Would this be considered a Pre-Existing Medical Condition? |
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If your medication is controlled and you see a Doctor for routine checkups, this would not be considered a pre-existing condition. It would only be considered a pre-existing condition if your Doctor altered your medication, had a test done, requested that a test be done, or changed your diagnosis. |
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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