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Frequently Asked Questions
Is travel coverage available to anyone, including citizens of the USA?
Yes, the travel plans we offer are available to anyone in the world, including citizens of the USA. Long term International health plans are not available to US citizens living in the USA, unless they are planning to become expatriates (leave the country). However, Vacation Insurance plans are only available to citizens of the USA or to people who have purchased their
trip in the USA. If you are a Canadian resident, contact us directly and we can arrange a travel insurance plan via phone.
Why do I need travel insurance?
Traveling anywhere can be risky. You purchase travel protection because your domestic medical plan probably doesn't cover you abroad. Travel insurance is there to help pay out-of-pocket expenses due to unexpected incidents such as baggage loss and medical emergencies.
What is a deductible?
A deductible is a way for the insurance company to reduce claims and your premium. If your plan has a $200 deductible, you pay the first $200 of expenses and then the insurance company picks up the rest/ The higher the deductible, the lower the cost and vice versa.
When is coverage in-force?
For most of the plans we offer, coverage is in-force once you have been approved by the insurance carrier, premium payment has been received and they have sent you written approval. For single trip plans, you can purchase and pay for coverage right on-line.
Should I pre-certify health expenses?
It is recommended that you, your spouse and/or the hospital pre-certify claims (especially large ones) before treatment if possible. But, don't put off any treatment that is medically necessary and urgent. The key is you want to know that the expense is covered if possible before you get it done. Most of the time it is just common sense. Many of the plans offer a toll free
or collect call number on a card or certificate that you or your medical facility can call to pre-certify claims and coverage, so make sure you have it with you at all time.
I am already living or traveling abroad, can I still get coverage?
Yes, it is not too late to get coverage if you have already traveled or are already living outside your country of citizenship. Of course, if you already have a claim before being covered or a pre-existing condition, it won't be covered. However, some long-term medical plans will cover or exclude pre-existing conditions. Check the policy for details.
Can I purchase travel insurance for my friend, relative or employee online?
Yes, you can do this as long as you complete the application online.
I am leaving today or tomorrow, can I still buy travel insurance coverage?
Yes, if you are buying the Patriot travel medical insurance plan, you can purchase online now. You then receive confirmation of coverage, a policy number and claims numbers on your web browser once payment has been accepted. You also get this information via email a few minutes later and then also by post or courier.
Is it safe to purchase insurance on-line?
YES, buying online is the safest use of your credit card - much safer than using it in a restaurant or store. All personally identifiable information, such as credit card information, is securely protected using Secure Layer 128-bit encryption technology, the strongest encryption technology available. Our quote pages are primarily frames pages, meaning the top
frame which shows the web site logo and navigation structure, is not a secure page and the little lock symbol will not appear on your browser, BUT, the frame below where you are getting your quote and entering information IS SECURE & encrypted. If you right click & choose, properties, you will see that the page is a https secure page. Also, the Patriot Quote pages have the VERISIGN trust services logo,
which denotes the digital certificate that IMG, the insurance carrier, provides. We also strictly adhere to our privacy guidelines!
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