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First Time Buyers

  • Visitors & Travel Insurance 101

    Learn about travel medical insurance that provides health, injury, and travel emergency coverage while traveling or during a stay abroad EXPLORE
  • Limited vs Comprehensive Coverage

    Understand the difference between Limited coverage and Comprehensive coverage plans DISCOVER
  • How does Visitor Insurance Work ?

    Learn how you can use your insurance plan in case you have a medical situation, like sickness or injury LEARN
  • How much will insurance pay?

    Estimate and compare how much each visitor insurance policy will pay for covered eligible expenses FIND
  • Help me choose an insurance plan

    Find the most suitable insurance plan for you need, by just answering a few questions BEGIN
  • Top 5 features to look for

    The key features that you should look for while shopping for international travel insurance DISCOVER
  • Policy Maximum
    What is Policy Maximum and Why is it so Important ?
  • Accidental Death & Dismemberment (AD & D)
    What is Accidental Death And Dismemberment (AD&D) Coverage ?
  • Insurance Deductible
    What is a Deductible and How Does It Affect Travel Insurance Cost ?
  • Emergency Medical Evacuation
    What is Emergency Medical Evacuation and Why is it so Important ?
  • Annual Deductible
    What is Annual Deductible or Deductible Per Policy Period ?
  • Deductible per Incident
    What is Deductible Per Incident and How Does It Work ?
  • Limited Coverage Insurance
    What is Limited Coverage Insurance Plans And How Do They Work ?
  • Hazardous or Adventure Sports Coverage
    What is Hazardous Sports Coverage and Who Needs It ?
  • Common Carrier Accidental Death
    What is Common Carrier Accidental Death Coverage ?
  • Return of Mortal Remains
    What is Return of Mortal Remains or Repatriation Coverage ?
  • UCR Charges
    What are Usual, Customary and Reasonable Charges/UCR Charges ?
  • Pre-Existing Medical Conditions
    Travel Insurance: Coverage For Pre-Existing Medical Conditions
  • What are Comprehensive Coverage Plans & Why is it Preferred?
  • Travel Medical Insurance: Deductible Explained

Have an Expert answer your question

  • Q
    “ Hi, My father is 73 years old, a diabetic and had a heart attack in September 2016. He has made a great recovery and is now fit and ready to come visit us in New York, with my mum (70, no pre-existing… “
    A
    All Travel Insurance policies, irrespective of which company you buy from, will provide coverage primarily for unexpected illnesses or injuries that occur after the policy becomes effective. Due to the short term nature of these plans, they do not offer much coverage for pre-existing conditions and preventive care. There are some policies that provide coverage for acute onset of pre-existing conditions for individuals above 70 however, it is also worth noting that an acute onset of a pre-existin…
  • Q
    “ Does this only cover those with acute pre-existing conditions? “
    A
    No, travel insurance policies primarily provide coverage for any new and unexpected illnesses or injuries that occur after the policy comes into effect. Pre-existing conditions and preventive care are generally not covered due to the short-term nature of these plans. However, some policies do provide some coverage for an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing medical condition and can …
  • Q
    “ If I am in the USA an my hemorrhoid starts to act up. Which plan would cover me for doctors visit or possibly a surgery? How much would it cover? “
    A
    The purpose of travel medical insurance is to cover any new and unexpected injuries, illnesses, and accidents that occur after the policy goes into effect. Due to the short-term nature of the plans, travel medical insurance does not provide coverage for pre-existing conditions. That being said, while most travel insurance plans do not cover pre-existing conditions themselves, there are plans that do offer some coverage for an acute onset of a pre-existing condition. An acute onset of a pre-exist…
  • Q
    “ which plan is available for a US citizen teaching in Spain but returning to the US for a one week vacation? She would like coverage for the time in the US “
    A
    It is important to note that many travel insurance policies are not available to individuals going back to their home country or country of citizenship. If you are looking for less than 45 days of coverage however, Liaison International would be a suitable plan for your travels. This plan is available for US citizens returning to the U.S. for a short trip.