The Question of the Month: From Tim H.

July 13, 2009

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 How Does Travel Insurance Handle US travel for a Ski Trip And in Particular the Medical Coverage?

A: There are two parts to this answer.  First, the policy itself would function no differently then if the client was traveling internationally.  The coverage is secondary, which means we are still going to cover whatever portion is not covered through their primary insurance provider.  There is a greater possibility that their personal insurance will cover most, if not all, of the medical expense domestically compared to internationally.

Secondly, with specific respect to ski trips there are exclusions in the policy for certain types of extreme and off trail skiing.  These exclusions are detailed in the Description of Coverage.  If your client plans to do one of these types of activities they can purchase the Sports Coverage option for $25 per person and the exclusions will be waived.  The Sports Coverage option also covers pre paid, non-refundable ski passes, ski or equipment rentals, or greens fees.  In addition this option will reimburse for equipment rentals if the client’s own equipment is delayed or misdirected by the Common Carrier.

Do you have a question about policy coverage or how to handle a specific situation?  This is your opportunity to ask the travel insurance experts at Travel Insured.  Email your question to icymrot@travelinsured.com with “Question of the Month” in the subject line.

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From the “No Question is Dumb” Mailbag – The Question of the Month:

June 16, 2009

Mailbag-IconThe Question of the Month is a new feature that I am introducing.  My Tip of the Month usually relates to the sales side of travel insurance. It includes handling objections and discussing current events that affect the industry.  But it often overlooks actual policy language and coverage for specific situations that do not merit a lengthy conversation. These topics are important nonetheless. 

Do you have a question about policy coverage or how to handle a specific situation?  This is your opportunity to ask the travel insurance experts at Travel Insured.  Email your question to icymrot@travelinsured.com with “Question of the Month” in the subject line.

Q: My client is booking their cruise now but their airfare is not yet available. How can I cover them for pre-existing conditions?

A: This is by far one of the most frequently-asked questions we receive because it is such a common situation.  The answer is very simple.  First, insure the pieces of the trip that you know when the client makes their initial deposit. Follow the pre-existing condition waiver guidelines:

  • The policy must be purchased within 14 days of initial trip deposit.
  • The client must insure the full non-refundable trip cost.
  • The clients must be medically able to travel at the time of booking.

If these qualifications have been met then your client will be eligible to keep the pre-existing condition waiver should they add costs to their trip.  When they are ready to book the remaining portion or their trip, such as airfare, shore excursions, non-refundable hotel stays or any other prepaid travel costs, you need to contact our Customer Service department. You must update the policy within 14 days of adding costs to the trip or, if not, your clients will lose their coverage for pre-existing medical conditions.