Your existing health insurance may provide limited or no coverage when traveling internationally. Travel medical insurance can help cover eligible medical expenses resulting from unexpected illnesses or injuries abroad. Coverage varies by plan, so we recommend reviewing the policy details before purchasing.

Coverage for pre-existing conditions varies by plan. Some travel medical insurance plans may provide limited coverage for the acute onset of a pre-existing condition, subject to specific eligibility requirements, exclusions, and benefit limits.We recommend reviewing the policy details carefully to understand what is and is not covered before purchasing.

Most short-term travel medical insurance plans are designed primarily to cover unexpected illnesses and injuries rather than routine checkups or preventive care.Some long-term international health insurance plans may include preventive care benefits, depending on the plan selected.We recommend reviewing the specific policy benefits and exclusions to understand what services are covered.

For the Single Trip and Annual Multi-Trip plans offered through our website, coverage must be purchased at least 24 hours before departure.These plans cannot be purchased after your trip has already started.If you have already departed, please contact us to discuss whether any alternative coverage options may be available. Eligibility and coverage are subject to the terms and conditions of the applicable insurance policy.

If you experience an unexpected illness or injury while traveling abroad, seek appropriate medical care.Whenever possible, contact your insurance provider before receiving treatment to confirm your coverage and ask about direct billing arrangements.Depending on the plan, provider, and circumstances, the insurance company may be able to arrange direct payment to the medical provider through a Guarantee of Payment (GOP).Direct billing is not guaranteed, and you may need to pay upfront and submit a claim for reimbursement.For emergencies, seek immediate medical attention without delaying treatment to obtain insurance authorization.

For Single Trip plans, coverage may be extended for up to a total of six months with an additional premium, subject to the plan's terms and conditions.Annual Multi-Trip plans are valid for one year and provide coverage for multiple international trips, with each trip limited to a maximum of 70 consecutive days. The 70-day limit applies separately to each trip and cannot be extended for an individual trip.If your travel plans change, please contact us before your coverage expires so we can help you review your available options.