FAQ

Frequently Asked Questions

Everything you need to know about international travel insurance — coverage, claims, providers, and more.

General Questions

The Basics

Travel insurance covers unforeseen events before or during your trip — trip cancellations, medical emergencies, lost luggage, or flight delays.

Travel insurance provides financial protection and peace of mind if unexpected situations disrupt your plans or require medical attention abroad. Your domestic health policy typically won't cover you once you leave your service area.

Common coverage includes trip cancellation/interruption, emergency medical expenses, emergency evacuation, lost or delayed luggage, and travel delays. Coverage varies by plan.

It depends on the policy. Some plans offer coverage for pre-existing conditions; others exclude them. Review the policy details carefully and consider optional add-on coverage if needed.

Cost depends on your destination, trip duration, coverage limits, and age. Adding a deductible to your policy can reduce the premium.

Buy as soon as you book your trip for the broadest protection. You can purchase up to the day before departure.

Yes, with some providers. GeoBlue requires purchase before departing the US. IMG and Trawick allow purchase while already traveling.

Some policies cover activities like hiking, skiing, or scuba diving. High-risk activities may require additional coverage. IMG offers optional adventure sports riders — review approved activities carefully.

Yes, up to the provider's maximum limit — but you must extend before your policy expires. Travel policies have no grace period; they terminate on the expiration date.

Some companies offer direct payment for covered medical expenses, most common for larger claims. Not all foreign hospitals accept this — you may need to pay upfront and seek reimbursement.

Most carriers cover COVID-19 as long as you show no symptoms before coverage starts. Review current terms with your specific provider as this can change.

Yes. After purchasing a policy, the insurance provider can issue a letter for your visa application.
Claims & Emergencies

If Something Goes Wrong

Contact your insurance provider as soon as possible. They'll guide you through the process and provide the necessary forms and documentation requirements.

Collect before leaving the facility if possible:
  • Itemized medical bills with dates and costs
  • Medical records including diagnoses, treatments, prescriptions
  • Receipts for medications and supplies
  • Physician's report with diagnosis and prognosis
  • Proof of payment (receipts or bank statements)
  • Facility contact information
Complete your claim form as soon as possible — most providers have a time limit for filing.

IMG — imglobal.com
IMG Products: +1 (317) 655-4500
iTravelInsured Products: +1 (317) 655-9796

GeoBlue — geobluetravelinsurance.com
Toll free: 1-855-481-6647  |  Outside USA: +1-610-254-5850

Trawick — trawickinternational.com
Inside USA: 877-916-7920 or 833-425-5101
Outside USA: 603-952-2686 (collect calls accepted)

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