Who Else Wants to Understand Travel Insurance Policy Language?

Aren't all travel insurance plans basically the same?

No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim). I create hypothetical travel scenarios for training purposes. This includes contacting our travel insurance suppliers' claims departments to see how they handle a given scenario.

A common concern of travelers are Pre-Existing Medical Conditions. In some cases, you can cancel, interrupt your trip or receive medical treatment if you (or a non-traveling family member) has a pre-existing condition. It has to do with the policy's wording.

All travel insurance excludes claims due to pre-existing medical conditions. Some travel insurance plans will waive the pre-existing condition exclusion if you get your travel insurance in the first 10, 14 or 21 days after your first trip payment date (ie - before the end of these 10, 14 or 21 days).

Any payment on your trip is considered the first payment. This includes the tax you pay when you redeem frequent flyer tickets, refundable deposits or even a trip planning consultation fee if that fee is later credited toward your trip costs.

You'll protect yourself if you have to cancel or interrupt your trip because of that pre-existing medical condition. There are three primary rules to keep in mind:

  • You have to insure your trip's full prepaid, non-refundable cost and
  • The person with the medical condition has to be medically stable when you get your insurance and
  • You must get your travel insurance in the first 10, 14 or 21 days after your first trip payment date.

You can cancel or interrupt your trip or receive medical treatment even if you have a pre-existing condition - if you follow these rules.

This seems simple enough, doesn't it?

Yes. Except there are companies that interpret this wording slightly different from what you expect. Be on the lookout for a clause in policies that states, "General exclusions include any expected or foreseeable events".

What this means to you is this: If you buy a travel insurance policy that includes the words "General exclusions include any expected or foreseeable events", here's what you need to do:

  • Ask if buying the policy in the Waiver Period really does waive this general exclusionand
  • Are there other conditions (ie - medically stable or covering the full trip cost) that have to be satisfied

    • No Surprises
    If you are told, "No, that wouldn't be covered because it's not unforeseen", I strongly suggest you steer clear of those companies - you don't want an unexpected surprise.

    We do not offer policies from companies that play this semantics game. Like you, I want to be sure a travel insurance plan will work just like I expected it to.

    Steven Dasseos is the founder and CEO of TripInsuranceStore.com. You can compare reputable travel insurance plans at this website. Contact Steve Dasseos here.

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    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://time.com/time/business/article/0,8599,1849023,00.html%3Fimw%3DYcid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNFspPZE8yf4ov0P9CsL7j7NVyN1awDespite the Turmoil, bInsurance/b Companies Appear Safe/abrfont size=-1font color=#6f6f6fTIMEnbsp;-/font nobrOct 10, 2008/nobr/fontbrfont size=-1Consumers could be forgiven for being jittery this week when news came that MetLife and The Hartford, two well known binsurance/b giants, had experienced huge b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/10/ap5536520.htmlcid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNGx15Bz_XMe68OhhrTiSr7MUSf3AwSector Snap: bInsurance/b companies fluctuate/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/10/business/10place.htmlcid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNGrmh85lV8V49FAzuudDCGJREWpLwMarket Place bInsurance/b Industry Joins Banking Giants on the Hot Seat/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.barrons.com/article/SB122350252742116839.html%3Fmod%3Dgooglenews_barronscid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNEnv4HN5I6vLbqqYX6frhKJsgpHkQConsider Staking a Claim in Allstate/a font size=-1 color=#6f6f6fnobrBarron's/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.straitstimes.com/Breaking%252BNews/Money/Story/STIStory_288533.htmlcid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNG89_ssgrNCWvrrP0iKtsTEoUCspQnobrStraits Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/09/ap5532725.htmlcid=1255996111ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNEwzu40grkop3fghIlP40Hw5i-hEAnobrForbes/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255996111hl=ennobrall 49 news articles/nobr/a/font/div/font/td/tr/table
    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.modbee.com/24hour/politics/story/460608.htmlcid=1256842309ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNECywzLU53oXUHjHNaV5ztEBTXuoQimg src=http://news.google.com/news?imgefp=O-VCHEPmKGMJimgurl=media.modbee.com/smedia/2008/10/10/13/USNEWSFLOODPLAINS1BL.embedded.prod_affiliate.11.jpg width=80 height=53 alt= border=1brfont size=-2Modesto Bee/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.courant.com/news/opinion/editorials/hc-miner1012.artoct12,0,2496392.storycid=1256842309ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNFHZOvkSMwOT6jwgXo8NB_3bE62eQHow To Keep Flood Bailouts At Bay/abrfont size=-1font color=#6f6f6fHartford Courant,nbsp;United Statesnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1By LAURA WILDMAN AND MARGARET MINER The National Flood bInsurance/b Program was established to help communities afford the cost of insuring against inevitable b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bellinghamherald.com/255/story/601572.htmlcid=1256842309ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNF9SHGV87DFXTWmKcSnLPDsPBHmFQSpecies ruling could slow development along Nooksack/a font size=-1 color=#6f6f6fnobrBellingham Herald/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256842309hl=ennobrall 17 news articles/nobr/a/font/div/font/td/tr/table
    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/11/business/11credit.html%3Femcid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNE7Jn3Pk_jUq1g_jb0t0E-bhBDryQimg src=http://news.google.com/news?imgefp=7I1jyFQrzekJimgurl=graphics8.nytimes.com/images/2008/10/11/business/11lehman.190.jpg width=58 height=80 alt= border=1brfont size=-2New York Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/11/business/11credit.html%3Femcid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNE7Jn3Pk_jUq1g_jb0t0E-bhBDryQbInsurance/b on Lehman Debt Is the Industry’s Next Test/abrfont size=-1font color=#6f6f6fNew York Times,nbsp;United Statesnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1David A. Paterson of New York, left, and Eric R. Dinallo, the binsurance/b regulator, want credit-default swaps regulated. Nearly three weeks after the Wall b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.globalresearch.ca/index.php%3Fcontext%3Dva%26aid%3D10535cid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNEIItgNYB9oMbxmcvfteMQFrpI0VQThe Next Derivatives Bloodbath: bInsurance/b Companies and Auto Makers/a font size=-1 color=#6f6f6fnobrCenter for Research on Globalization/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.venturacountystar.com/news/2008/oct/12/unregulated-swaps-seen-as-big-factor-in-wall/cid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNGsQSJ_LTnVS21xqpLaiOsOkNlcBQUnregulated swaps seen as big factor in Wall Street collapse/a font size=-1 color=#6f6f6fnobrVentura County Star/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/business/2008/10/10/lehman-bonds-banking-biz-wall-cx_lm_1010auction.htmlcid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNHL7wHX_Q1nIBSqLMpqva5tA09QEALehman Auction Leaves Cloudy Picture For Banks/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.independent.co.uk/news/business/news/traders-worst-fears-realised-at-lehmans-auction-957953.htmlcid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNGWDI6jtCOozY6HgsxF0O-MpDnR7AnobrIndependent/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.todaysfinancialnews.com/investment-strategies/credit-default-swaps-a-blind-date-goes-wild-4718.htmlcid=1256028374ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNHKth9ghSnG6bl6smxFZ-zPrRBF4wnobrTodays Financial News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256028374hl=ennobrall 234 news articles/nobr/a/font/div/font/td/tr/table
    table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wwj.com/Michigan-Bank-Shutdown/3117833cid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNF7NaZi-i-3T3__jYYlEnsEE0nBFwimg src=http://news.google.com/news?imgefp=yqdDfITJELQJimgurl=imgsrv.wwj.com/image/DbGraphic/200810/1084888.jpg width=80 height=65 alt= border=1brfont size=-2WWJ/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thestreet.com/story/10441964/1/two-more-us-banks-fail.html%3Fpuc%3Dgooglen%26cm_ven%3DGOOGLEN%26cm_cat%3DFREE%26cm_ite%3DNAcid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNHKqdb1YyKJPM5s3CxE9458mJ6lxATwo More US Banks Fail/abrfont size=-1font color=#6f6f6fTheStreet.comnbsp;-/font nobr22 hours ago/nobr/fontbrfont size=-1The Michigan Office of Financial and bInsurance/b Regulation shut down Main Street Bank of Northville, Mich., and the Federal Deposit bInsurance/b Corporation was b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaqNGxkgoO5Hc%26refer%3Dhomecid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNFm9qZOf9W7T82qEwUtg5riFLFAsQIllinois, Michigan Banks Shut by Regulators; Toll Climbs to 15/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chi-sat-meridian-bank-oct11,0,4556722.storycid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNG2IO0Nz60EXSC1uXyuO9ygLVz_5QMeridian Bank is closed by regulators/a font size=-1 color=#6f6f6fnobrChicago Tribune/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081011/BUSINESS06/810110303/1019/BUSINESS06cid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNEjAQ-tigz4dhAZlcYh0JhWXSzadARegulators shut Main St. Bank/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE49995320081011cid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNHyE7ONSEaouoVI0_mJrLNReVgWxwnobrReuters/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thepeninsulaqatar.com/Display_news.asp%3Fsection%3DBusiness_News%26subsection%3Dmarket%2Bnews%26month%3DOctober2008%26file%3DBusiness_News2008101283659.xmlcid=1256248304ei=cgXySLG5MI_u6gPPoszABwusg=AFQjCNGfQLrFLBor4Dwip91vEQ-Z50u5dQnobrPeninsula On-line/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256248304hl=ennobrall 93 news articles/nobr/a/font/div/font/td/tr/table
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