With summer quickly approaching people are looking towards their upcoming vacation plans that they have previously made or may be planning. If your travel plans this summer will take you outside the borders of the United States then you will want to consider purchasing one of two types of insurance products. The type of insurance product you will want to purchase will more than likely depend on how you planned your trip and for how long you plan to be gone.
For the purpose of this post I want to talk about what most people refer to as “Travel Insurance”. Usually these types of trips are for short periods of time that generally will not be longer than a few weeks in length. When people talk about Travel Insurance they most likely are referring to a product that we call Trip Cancellation. Trip Cancellation Insurance is a product you will want to consider if you have already pre-paid or you are planning to pre-pay some or all of the costs of a future trip in order to help protect the investment made.
Travel Insurance policies are designed to safeguard against any unforseen financial loss related to airline cancellations, loss related to a tour, lost baggage, flight delays, terrorism illness and more. In addition they also include medical protection designed to help protect against unexpected illness. During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. Also in these plans you will generally find benefits for emergency medical evacuation should the need arise.
Other important benefits falls under the area of Pre-Existing Conditions. Many of these types of plans will have some limited benefits in the event treatment is required do to the onset of illness related to a pre-existing condition. Some companies like HTH Worldwide will waive the Pre-Existing Condition Exclusion as long as you meet three requirements. And, the condition is not limited to a smaller amount of coverage. HTH Worldwide will cover up to the medical limits of the policy.
HTH Worldwide offers a product called TipProtector – which is a comprehensive plan that offers travel protection PLUS travel medical insurance. TripProtector includes medical protection, trip cancellation, trip interruption, baggage protection and more. HTH’s TripProtector boasts a complete set of services to help you identify, access and pay for healthcare services in over 180 countries. With TripProtector if you follow some basic requirements you can have the exclusion waived for pre-ex.
The three requirements that must be met in order for HTH Worldwide to waive the pre-existing condition exclusion are:
- The payment for the TripProtector plan is received prior to/or within 24 hours of your final trip payment for your Covered Trip; and;
- You are not disabled from travel at the time you pay your plan payment; and;
- The booking for the Covered Trip must be the first and only booking for this travel period and destination.
Getting a quote for the TripProtector plan is easy to do. Once you find a rate you like you simply select the plan of choice and complete the process online. Get your free quote now
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