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Travel Insurance Cheat Sheet

What is Travel Insurance?

Travel insurance protects against the physical and financial risks involved in travel by sharing the in-curred costs of unexpected medical or trip expenses incurred by canceled travel

Type of Plans

Travel Medical
Travel Medical Plans allocate coverages for emergency medical treatment while abroad, ensuring travelers receive topnotch medical treatment without incurring massive medical bills. Travel medical insurance policies are ideal for travelers working outside the U.S., studying abroad, taking a vacation, or anyone leaving the U.S. for any period of time.
Package Plans
Package Plans offer travel medical benefits and trip protection which includes coverage for the following claims.
  • Trip cancellation coverage
  • Trip interrupted coverage
  • Emergency Medical Evacuations
  • Lost/Damaged Baggage
  • Trip Delays
Package plans are ideal for vacations, cruises, tours, general travel or anyone looking for cancellation coverage to protect against the incurred costs of trip interruptions or cancellations.

What's covered under Travel Insurance? Here are a few examples:

Surgical Treatment The treatment of injuries or disorders of the body by incision or manipulation, especially with instruments.
Hospital Room & Board Coverage for room, board, and other expenses in-curred during the course of a hospital stay.
Intensive Care Unit Intensive care units are intended for patients with severe or life-threatening illnesses and/or injuries, which require constant monitoring and support from special equipment and medication in order to ensure normal bodily functions.
Physicians Visit Non surgical visits to a doctor are covered so long as immediate treatment is deemed necessary
Trip Cancellation Reimburses you for lost trip expenses if you need to cancel for illness, death, or other covered reason
Trip Interruption Reimburses you for lost trip expenses if you need to cut your trip short
Emergency Medical Treatment Any instance in which you are required to seek im-mediate medical treatment while traveling
Medical Evacuation & Repatriation Arranges medical transport to receive care, or co-vers costs of returning the insured to their home country
Hurricane & Weather Reimbursement for losses due to closed airports, mandatory evacuations, or closed ac-commodations by inclement weather
Terrorism Coverage Coverage for cancellation in the event of a terrorist attack or threat
Financial Default Coverage If a travel company shuts down due to financial cir-cumstances
Travel Delay Pays for extra accommodations if a trip is delayed by a common carrier
Baggage Delay Provides Reimbursement for clothing, toiletries and other es-sential items if luggage is delayed by a common carrier
Baggage Coverage Pays for lost, stolen, or damaged baggage
Missed Connections Covers additional costs if you are delayed by an accident or weather and need to catch up with a connecting flight or cruise
Accidental Death & Dismemberment (AD&D) Payment for the loss of life or limb while traveling
24/7 Worldwide Assistance Helps you deal with claims, medical emergencies, and other travel-related emergencies

What do I need to buy travel insurance?

Travel dates Be sure to include travel days as well
Initial deposit date There limited timeframes to ensure trips. Don;t wait to insure
Trip costs Include all non-refundable trip deposits
Destination If traveling to multiple, list the country in which you will spend the most time
Passport Number Located on the first page of your passport
Age Critical in determining the scope and cost of coverages

How to purchase Travel Medical Insurance:

Use G1G's search engine to find the right policy for your unique trip relative. Simply:

1. Visit www.g1g.com

2. Enter a few details about your you & your trip

3. Compare & customize policies to meet your specific needs

4. Enjoy the journey!

...or call 800 257 7718 and speak to a live travel expert 24/7!

What costs are covered by trip cancellation?

Trip Cancellation plans reimburse pre-paid, non-refundable expenses. Here are some examples of coverages:
  • Cruise payments
  • Plane tickets
  • Tour/Safari costs
  • Car Service to airport
  • Tuition for a cooking class
  • Rental car costs
  • Rental property cost
  • Theater tickets
  • Event tickets
  • Disneyland passes
Basic Trip Cancellation insures trips that are canceled or delayed for the following reasons:
  • Legal obligations such as jury duty
  • Unexpected illness or injury rendering a n insured person unfit for travel
  • Hospitalization or death of a non-traveling family member
  • Issues with common carriers
  • Natural disasters at home or the travel destination
  • Inclement weather that interrupts travel or accommodations
Trip Cancellation for Any Reason, as the name implies, is an upgradable feature that allows a traveler to seek reimbursement should they cancel a trip for 'any reason.' A few aspects to note regarding Trip Cancellation for Any Reason.
  • Depending on the policy, this coverage must be acquired 10-30 days after initial trip deposits are made.
  • Trip protection must be purchased 10-14 days prior to depar-ture, depending on the policy
  • You MUST insure 100% of non-refundable trip cost
  • Trip Cancellation for Any Reason Benefits cover 50%-75% of trip cost

What's NOT covered

Claims resulting from...

  • Suicide / Self inflicted injuries
  • Immunizations
  • Routine physical Examinations
  • Childbirth
  • Intoxicated
  • Illegal activity
  • Elective treatment
  • A mental or nervous condition
  • Piloting an aircraft
  • Professional or contact sports
  • Base jumping
  • Bungee jumping
  • Off-road motorized vehicles
  • Auto racing
  • Mountaineering
  • Animal racing
  • Spelunking
  • Underwater diving (below 32 ft.)
  • Big game hunting
  • Endurance racing

See listed 'Exclusions' located in the policy details

What's a pre-existing condition and what is covered?

A preexisting condition is any medical affliction that predates the purchase of your policy and falls within the underwriter's look back period. While the routine treatment of a pre-existing condition is NOT covered, the acute onset of a pre-exsiting condition is covered. Meaning, if you suffer a medical emergency resulting from a preexisting condition, the underwriter will cover the expenses in accordance with the details of coverage. This is a difference between routine care and emergency care, with the latter being the only coverage offered by visitor insurance.

Key terms in travel insurance

Cancel For Any Reason
A policy upgrade that expands on the Covered Reasons to Cancel. It allows you to cancel your trip for partial reimbursement (50-75%) for any reason. To upgrade, you must insure the all non-refundable trip cost and buy soon after Initial Deposit Date
Initial Deposit Date
The first date you make a non-refundable payment toward your trip. Be aware of eligibility restrictions based this time frame.
Trip Cost
This is the total pre-paid, non-refundable cost of the trip you insure for trip cancellation.
Covered Reason
Each policy lists specific 'reasons' that are covered by claims. Review the benefits summary what is and isn't covered.
Essential Tips:
  • Buy your plan as soon as possible. Certain coverages are only available if purchased early.
  • Don't over-insure. For cancellation coverage, only insure pre-paid, non- refundable trip costs.
  • Most Domestic Health Insurance policies will not cover you abroad. Get travel insurance!
  • Get travel insurance for cruises, tour packages or any other big ticket, non-refundable trip reservations.
  • Read your policy. There is a never a good reason not to do this, and could save you tons of money in the long run.

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