Visitors Insurance Policy Extension or Renewal: FAQs

Depending on which visitors insurance policy you have purchased, you may be able to renew the policy, before it expires. It is important to pay attention to the renewal / policy extension details written in your policy, like whether or not the policy is renewable.

Q. Buying a New Policy After It Expires Vs. Renewing the Policy Before It Expires?

One of the advantages of renewing the policy is, that in the event of making a claim during the original terms of the policy, if you choose to renew the policy, the medical condition that happened cannot be considered as pre-existing, which otherwise would if you purchased a new policy.

Q. Why Renew Travel Medical Insurance Policy?

In the event that you dont have a confirmed return date, or that you decide to extend your stay for any reason, it is good to have a policy that is renewable. Most polices can be renewed on our website.

  • It is usually a fast and simple process that can be completed online
  • Renewal of policy does not mean that you have a new policy. It is simply a continuation of your existing policy. All terms and conditions remain same Only the expiration date is changed.
  • Renewal Fee : When you renew your policy, there is usually a renewal fee of $5 per policy.

Claimant information, you can include a cover letter with your information.

Frequently Asked Questions

Q. Can the insurance company increase the premium if I renew after a claim is already made?

No, visitor insurance premium remain as per the age and your original policy terms. There may be a renewal admin fee applicable for each renewal that is usually $5.

Q. What about the policy maximum? Does it stay the same?

The policy maximum remains as the original policy states.

Q. How long does the renewal process take?

If your policy is renewable, you may renew it on our website. It is quick and easy.

Q. Can I pay using a different credit card than the one I used originally to buy the policy?

Yes. You can renew / extend the travel insurance policy by using a different credit card other than the one used to buy the policy, originally.

Q. When can I renew the policy?

The policy must be renewed before the policy expires. Once the policy expires it cannot be renewed.
Remember, most insurance policies follow the US Eastern Time Zone (EST time). So, your policy effective and expiration dates and times are based on EST time. Usually, you receive an email notification before the policy expires reminding you to renew the policy.

Q. I have both my parents on the same policy and I want to selectively renew it only for my mother. Can I do that?

No, you can not. The policy cannot be renewed selectively.
It is recommended that you fill out separate applications and acquire separate policies for each person when buying it the first time. Read more: Why buy separate policy for spouse?

Q. Can I change policy deducible or policy maximum at the time of renewal?

Renewal allows the policy to be extended as is, without any changes to coverage or benefits.

Q. My policy is already expired, can I still renew it?

No, you cannot.