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Travel Insurance
Frequently Asked Questions
 
TOPICS COVERED
 
 
The Application Process & ID cards
Health Coverage Questions
Life Insurance Questions
Glossary
Claims
Cancellation & Renewal
 
 
QUESTIONS AND ANSWERS
 
 
The Application Process & ID cards
How quickly can I get my ID card?
How quickly can I get my policy?
Which insurance company will issue my policy if I am approved and what is its rating?
If the website gives me a quote, does that mean that you really do offer this insurance even though I can't seem to find it anywhere else?
Will you ask any questions about my health history?
I have dual citizenship. Which country should I list for my citizenship?
 
 
Health Coverage Questions
What are the specifics of the policy coverage if I am approved?
Do you offer international liability?
Do you offer comprehensive major medical insurance for individuals, families, or groups of people outside their home countries?
Are acts of war covered?
Are acts of terrorism covered?
Does my health insurance require me to use only your doctors?
What if I need emergency medical treatment?
Does the health insurance cover pre-existing conditions?
Does the health insurance cover prescriptions?
Does your health insurance cover pregnancy?
Do you offer dental insurance for international travelers?
 
 
Life Insurance Questions
I want international life insurance. When should I apply? Before I leave my home country or after?
If I buy life insurance, will it cover me for accident only or also cover me if I die from disease or sickness?
Will my life insurance & health insurance cover me in "hot" parts of the world? (where there is civil war, terrorism, etc)
 
 
Glossary
What is "repatriation"?
What does "travel abroad" mean?
What is comprehensive major medical insurance?
What does "accidental death & dismemberment" mean?
What does "AD&D" mean?
What does AD&D beneficiary mean?
What is "return of mortal remains"?
What is "common carrier AD&D"?
 
 
Claims
How are health insurance claims covered?
Are benefits paid in US dollars?
Can you refer me to a doctor?
 
Cancellation & Renewal
What if I change my mind after buying the insurance?
Can I renew my policy?
 
 
How quickly can I get my ID card?
You get your ID card instantly for all products except the comprehensive major medical insurance. The comprehensive major medical insurance application takes 1-7 days to process in most cases.
 
How quickly can I get my policy?
You get an instant ID card in most cases. The only health insurance policy that does not provide an instant ID card is the comprehensive major medical plan. The comprehensive major medical insurance application takes 1-7 days to process. The only life insurance policy that does not provide an instant ID card is the life insurance for US and non-US citizens outside the US that covers accident, disease, and sickness. The life insurance policies that cover death due to accident only are instantly issued and you get your ID card immediately. Once your policy is issued, your policy is mailed to you within 7 days. If you must have your original policy immediately, you can pay an additional $20 for overnight delivery in the US and $30 for overnight deliver outside the US.
Click here to apply online now.
 
Which insurance company will issue my policy if I am approved and what is its rating?
We use dozens of highly-rated nationally-known insurance companies. To find out which insurance company is quoting your insurance, look for the links that say "brochure", "disclaimers", and "policy information" and click on these links. Insurance company information is found at these links. All companies are rated "A-" or better by A.M. Best. Click here for a partial list of some of the insurance companies used. You can look up their ratings for free at www.AMBest.com.
 
Will you ask any questions about my health history?
Not unless you are applying for comprehensive major medical insurance or are applying for term life insurance for US residents outside the US.
 
I have dual citizenship. Which country should I list for my citizenship?
Use the country you have spent most of your life in. If you have spent equal amounts of time in both countries, choose the country that you will be spending most of your future time in.
 
If the website gives me a quote, does that mean that you really do offer this insurance even though I can't seem to find it anywhere else?
Yes. We partner with many different insurance companies and have dozens of plans to pick from and can often assist you when other insurance agents have failed at the task.
 
 
What are the specifics of the policy coverage if I am approved?
If you read all of these FAQ's and click on and read the information at the links that say "brochure", "disclaimers", and "policy information"; you will have a full understanding of the specifics of the policy coverage. After you buy a policy, you will get an instant ID card (except for comprehensive major medical insurance policies purchased). Your policy will be mailed to you within 7 days. Once you get your policy, you can review it thoroughly. If you are not satisfied with the policy, you may request a full refund (except for any policy fees charged which range from $5-$20 and are itemized in your quote) only if the policy has not yet become effective.

Do you offer international liability?
Yes. Click here to get an instant online quote and buy online today!. The premium starts at $73.

Do you offer comprehensive major medical insurance for individuals, families, or groups of people outside their home countries?
Yes. Get instant online quotes and apply online instantly. Click here to get instant online quotes now!

Are acts of war covered?
Not usually. But some of the policies cover terrorism. Read the brochures for details. If you are a member of the Armed Forces, acts of war are covered only by the US government.

Are acts of terrorism covered?
Sometimes. Read the brochures for details.

Does my health insurance require me to use only your doctors?
No. Go to any doctor you want.



What if I need emergency medical treatment?
For emergency claims, the care provider should notify the insurance company on your behalf. The insurance company's contact information is on your ID card so make sure you keep that with you at all times. In emergency situations, the care provider and the insurance company will co-ordinate your benefits for you. If a doctor certifies that you can not get sufficient care at a specific facility/hospital or in that specific country, emergency medical evacuation is often an included available benefit. Keep in mind that you can not request an emergency medical evacuation and have it be covered by your insurance policy. All insurance policies cover only what is medically necessary. And in order to qualify for emergency medical evacuation, a medical doctor must certify it as medically necessary.

Does the health insurance cover pre-existing conditions?
In many cases, it provides limited coverage for pre-existing conditions. The comprehensive major medical insurance will typically include coverage for pre-existing conditions provided that you revealed such conditions on your applicatoin. If you have a major medical condition such as cancer, AIDS, etc., you should not expect to find coverage for such conditions when you purchase a new policy. Pregnancy is often excluded from coverage if you are pregnant at the time of the application. If you are not pregnant at the time of the application, your coverage for care relating to pregnancy, if provided, is often limited to $4000 and limited to "complications due to pregnancy". Read the brochures for details.

Does the health insurance cover prescriptions?
The comprehensive major medical insurance typically covers prescriptions. The instantly issued health insurance policies that don't ask any medical questions do not cover prescriptions. Click here to get a US prescription discount card to be used only in the US for as little as $9.95 per month

Does your health insurance cover pregnancy?
Not if you are pregnant when you apply. Refer to the question above about pre-existing conditions for details.

Do you offer dental insurance for international travelers?
Most policies have some dental coverage due to accidental damage. Some of the policies include preventive dental care. Read the brochures for details. Click here to get an instant online dental insurance quote for US residents only.



I want international life insurance. When should I apply? Before I leave my home country or after?
You should apply at least two weeks before you leave in order to insure that your coverage will be effective (if approved) on the day you leave. But you can apply after you leave your home country. Coverage can be made effective on the day you apply or later.Click here to get quotes and to apply online.

If I buy life insurance, will it cover me for accident only or also cover me if I die from disease or sickness?
Some policies will cover you only in the event of an accident and some will cover you in the event of an accident, sickness, or disease. The rule of thumb is this: US & non-US citizens outside the US are eligible for both. Accidental coverage is cheaper than coverage that includes accident, sickness, and disease. Get instant online quotes for both types of coverage and choose the best plan for you. non-US citizens in the US are eligible only for accidental coverage. US-citizens in the US are eligible for both. Click here to start the 3-minute quote process.

Will my life insurance & health insurance cover me in "hot" parts of the world? (where there is civil war, terrorism, etc)
If the website allows you to get a quote for coverage, then the coverage is available. But even if coverage is available, the policy may have exclusions for claims due to "acts of war" or "terrorism" or while a member of the "Armed Forces", for example. Read the brochures for the policies by clicking the the links that direct you to the "brochure", the "policy wording", the "disclaimers", etc.



What is "repatriation"?
Repatriation is the process of returning you to your home country. It is often referenced when discussing your urgent or unexpected return due to an emergency medical condition, political tension/danger, or when you die outside your home country.

What does "travel abroad" mean?
You are traveling abroad if you are outside your home country.

What is comprehensive major medical insurance?
This is the type of insurance that provides the most coverage. For example, comprehensive major medical insurance may include coverage for prescriptions, preventive care, dental, or pre-existing conditions. Typically, this type of insurance is purchased by people who will be outside their home countries for more than 6 months per year. Medical insurance that is not "comprehensive" often excludes prescription coverage, preventive care, and pre-existing conditions. Comprehensive major medical insurance applications take 1-7 days to process. Non-comprehensive insurance policies are approved instantly.

What does "accidental death & dismemberment" mean?
"Accidental death" is life insurance and "dismemberment" is disability insurance. Both provide benefits only if you die or are injured by an accident and do not provide coverage if you die or become disabled by disease or sickness even if such disease or sickness was manifested by an accident.

What does "AD&D" mean?
"AD&D" stands for "Accidental Death & Dismemberment". "Accidental Death" occurs if someone dies by accident. "Dismemberment" occurs if someone loses sight, a hand, a leg, etc.

What does "AD&D beneficiary" mean?
This is the person who will receive insurance money if the insured dies.

What is "return of mortal remains"?
It is a benefit that covers costs associated with returning your body to your home country if you die while traveling abroad.

What does "common carrier AD&D" mean?
Some policies offer accidental death and dismemberment coverage only if the death or dismemberment occurs while on an airplane or other mode of public transportation. "Common carrier" refers to a mode of public transportation.

How are health insurance claims covered?
For the small, non-emergency claims, you typically pay the provider for the care provided. You save your receipts. You submit your request for reimbursement. Your policy will contain reimbursement request forms that can be faxed for immediate reimbursement. For emergency claims, the care provider should notify the insurance company on your behalf. The insurance company's contact information is on your ID card so make sure you keep that with you at all times. In emergency situations, the care provider and the insurance company will co-ordinate your benefits for you.

Are benefits paid in US dollars?
Yes.

Can you refer me to a doctor?
Yes. The international travel assistance center is here to help you with finding a doctor, translation services, and emergency situations. The center is open 24 hours per day 365 days per year. The international toll-free number for the service center is listed on your ID card.




What if I change my mind after buying the insurance?
After you buy a policy, you will get an instant ID card (except for comprehensive major medical insurance policies purchased - These policies take 1-7 days to process.). Your policy will be mailed to you within 7 days of being issued. Once you get your policy, you can review it thoroughly. If you are not satisfied with the policy, you may request a full refund (except for any policy fees charged which range from $5-$20 and are itemized in your quote) only if the policy has not yet become effective at the time you request a refund. Cancellation instructions are included on the website brochures and in your policy. All requests must be made in writing and can be mailed or faxed to the administrator listed in the brochure and in your policy.

Can I renew my policy?
Most of the time. The rule of thumb is that if your initial policy term is at least 3 months, you will have the option to renew the policy. If you buy a shorter term policy, you cannot "renew" it but you can buy a new policy that will not cover any pre-existing conditions first occuring during the previous policy term.

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Chase Carmen Hunter, www.ChaseAgency.com, and Chase Financial Services Since 1993 offer services to residents of any country in the world including the following states of the United States of America: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Not all products are available in all states.