Frequently Asked Questions
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What is a Deductible?
The Deductible is the amount of covered expenses which is your responsibility to pay before benefits under the plan are payable.
What is Coinsurance?
Coinsurance is the percentage amount of covered expenses, after the Deductible, which is your responsibility to pay.
What’s the difference between all of the plans for this product?
All of the Plans have the same standard benefits (i.e. Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc.). The different plans allow you to choose which Medical maximum benefit limit you would like. The medical maximum limit, is what the policy will pay up to should you need to go to the doctor, urgent care or hospital.
Where do I put my agent information?
The agent information (name, phone, and email) is collected on the first page when obtaining a quote. This is the only location this information can be provided.
Do you need passport information for all members of my family?
No, passport information will only be collected for the primary insured.
What is a Beneficiary?
A Beneficiary is the person named by the policy holder to receive the Accidental Death Benefit should this benefit be payable. This may be any person chosen by the policy holder.
Why do I need to designate a beneficiary?
We offer an Accident Death & Dismemberment (AD&D) benefit on our policies. This is accident life insurance, so you will need to name a beneficiary to receive this benefit.
Can I pay by check instead of a credit card?
Yes, you can either request a paper application or complete the online process and choose the option ‘printing out your policy request’ on the payment page and following the provided instructions.
When is the latest I can purchase this policy before I leave on my trip?
Policies can be purchased up until the day before your trip departure or desired effective date.
Can I renew my coverage on this plan?
Coverage under this plan is not renewable. If additional coverage time is needed, a new application must be completed and correct premium submitted to Global Underwriters Agency.
Can I cancel my policy and get a refund of premium?
Less a $25 processing fee, a refund will be considered only when a written request is received by Global Underwriters Agency prior to the effective date of individual coverage. After the effective date of individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.
Also, See Our Claims Frequently Asked Questions!