Frequently Asked Questions: Travel Insurance

Get straightforward answers: Travel Insurance FAQ

Please note that the answers to the questions are for information purposes only for the products discussed. Individual circumstances may vary. In case of discrepancy, the documentation prevails.

See below for our FAQ options to help you find what you’re looking for:

Does travel insurance cover medical expenses?

In most cases, travel insurance does cover medical expenses, but it’s crucial to understand the specifics of your plan. Both BlueCross, GMS and TuGo offer travel medical insurance, but coverage details can vary. Generally, these plans cover unexpected medical emergencies like illness, injury, or hospitalization while travelling. This could include doctor visits, prescriptions, and even ambulance services.

Review your policy wording carefully. Look for inclusions and exclusions related to medical coverage, especially for pre-existing conditions. Knowing your coverage limits (maximum amount reimbursed) is also essential.


Are pre-existing medical conditions covered on travel insurance?

Travel insurance coverage for pre-existing medical conditions can vary depending on the insurer and plan you choose. Here’s a breakdown of some plans that may be available (not a complete list):

  1. Some insurer plans may use a “stability clause,” requiring your condition to be stable for a set period before your trip to qualify for coverage.
  2. Insurers may offer optional riders or waivers for pre-existing conditions, allowing coverage for those conditions upon meeting specific criteria.
  3. Insurance companies could offer specific plans designed for travellers with pre-existing conditions. These plans typically have stricter eligibility requirements.

Key Takeaway: It’s crucial to carefully review the details of any travel insurance plan, particularly regarding pre-existing conditions. Disclose all pre-existing conditions during the application process to ensure you get the right coverage for your needs.

Are there additional costs for pre-existing condition coverage on travel insurance?

There can be additional costs for pre-existing condition coverage on travel insurance, but it depends on the insurer and the specifics of your situation. For example, your insurer may offer an unstable pre-existing medical condition add-on as an optional purchase alongside their emergency medical plan. This add-on provides coverage for pre-existing conditions that weren’t stable in a set period before departure (check details). This add-on would likely come at an additional cost on top of the base policy premium.

Remember: Always check each plan’s specific details and exclusions before purchasing. Getting quotes from various insurers to compare pre-existing condition coverage options and pricing is best.

What reasons are covered for trip cancellation?

While specific covered reasons may vary slightly between providers, most travel insurance plans from companies like BlueCross, GMS, and TuGo will share common ground. Generally, they’ll cover trip cancellation for unforeseen circumstances that prevent you from travelling, such as:

  • Illness, injury, or death of yourself, a close family member, or travelling companion.
  • Severe weather or natural disasters that significantly impact your destination or residence.
  • A critical home or business emergency requires your immediate presence.

Always review your plan details and exclusions for specifics. Consult your chosen provider’s policy documents directly for the most accurate information.

What is covered for lost or delayed baggage under travel insurance?

Lost or delayed baggage can throw a wrench in your travel plans. While airlines offer some compensation, travel insurance provides additional security. Some insurers may reimburse essential items like toiletries and clothing if your bags are delayed for a specified period. However, the coverage limits can differ between insurance companies for compensation per day and per person, with a maximum cap per trip. Be sure to review your plan details and exclusions for specifics.

Important Note: Exclusions often apply for high-value items like jewelry or electronics. Check your policy for details and consider adding additional coverage if needed.

Does travel insurance cover medical evacuation?

Yes, medical evacuation is often covered by travel insurance if you’ve purchased Emergency Medical Coverage, but it’s essential to check the specifics of each plan.

Remember: While medical evacuation is a common benefit, it’s crucial to read the fine print of your specific plan to understand coverage details, exclusions, and claim procedures.

Are adventure activities like skiing or rock climbing covered under travel insurance?

Adventure activities like skiing and rock climbing typically fall under the “extreme sports” category in travel insurance plans. While basic travel insurance from providers like BlueCross or GMS may cover medical expenses for illness or injury, they often exclude coverage for injuries sustained during these high-risk activities.

Remember, “standard travel insurance” often prioritizes safety and avoids high-risk activities. If you plan on indulging in your adventurous side, explore add-on coverage options to ensure your safety during your trip.

Does my travel insurance cover trip cancellation due to COVID-19?

Whether your travel insurance covers trip cancellation due to COVID-19 depends on the specific plan. Recent plans may offer some coverage for COVID-19-related cancellations, but typically, it is only if you test positive for the virus before your trip. Generally, cancellations due to government restrictions or fear of travel wouldn’t be covered. However, some newer plans might offer limited coverage under specific circumstances. Reviewing your plan details or contacting your insurance advisor for clarification is crucial.

Important Note: The specific details of your coverage will depend on your individual plan and the date of purchase. Always refer to your policy wording or contact your travel insurance provider for the most accurate information.

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