Does a new deductible per policy period or annunal deductible apply if I renew my existing policy?

If you have satisfied your policy's deductible in the original coverage period and decide to extend the policy, the deductible will not need to be satisfied again, until the maximum coverage period comes to pass. That being said, if the policy expires, you cannot extend the same policy and will need to purchase a new policy, for which a new policy maximum and deductible would apply. If there is an elapsed period of time between your previous period of coverage and a new period of coverage, you will need to purchase a new policy, and a new deductible would apply.

Depending on the policy you purchase, the deductibles for travel medical insurance plans are applicable one time in a policy period, or once per-incident. For comprehensive coverage policies, it is a one-time deductible and for limited coverage plans, a deductible applies for each individual sickness or injury.

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Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our terms and conditions and user agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.