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John Atkinson


What You Need To Know Before You Go

Whether you’ve purchased travel insurance through a private carrier, have it as part of a credit card offering, or have coverage through an existing health insurance plan, it’s important that you understand your coverage.

Here are a few questions to ask yourself before you travel:

1. Have you called your provider to let them know that you’re leaving?

2. Have you had any changes to your health that may compromise your coverage?

  1. 3. Did you make a copy of your insurance documents and provide them to someone you’re travelling          with?

  2. 4. Do you know how long your out of country coverage is valid for?

  3. 5. Have you verified that your destination is covered by the insurance carrier?

    1. 6. Have you confirmed that you and your dependents are all covered under the same plan, or if you            need different policies?

  4. 7. Do you know what your policy covers?

  5. 8. Does your coverage change at a certain date?


Why Are These Questions Important?

Before purchasing new travel insurance or travelling with existing coverage, it’s important to read and understand the fine print. In many cases you will be covered effectively but there are guidelines and stipulations that you must be aware of.

For example, your policy may have a stabilization clause in it that requires you to have medical clearance from a doctor if you face specific medical challenges, past or present.

You might also be surprised to know that certain destinations may not be covered by your insurance policy for various reasons. Or that your policy covers medical for accidents on the trip but doesn’t offer trip cancellation itself. By asking the right questions, you can be confident in your coverage and have a relaxing, stress free vacation. We also highly recommend that you check out your governments travel advisories to find out if there are any risks associated with traveling to your final destination. In some cases, these advisories may impact your travel insurance.

Final Travel Tips

Having travel insurance only works if people know that you have it. Make sure that you prepare necessary documentation and provide a copy to those that you are travelling with so that they can access it quickly and easily in the event that you are unable to do so yourself. It’s also a great idea to prepare a list of emergency contacts and give them the required documentation so that you have a loved one back home with your information as well. Lastly, it’s important that your insurer be notified right away of any incidents as they can help to find you the best medical assistance for your appropriate whereabouts. Not all hospitals are created equal and your insurer may have preferred locations. In addition, they will also want to know what you may have hurt or damaged to ensure that your treatments are specific to your injuries They can even make direct payment arrangements with the hospital for the cost of treatment.

The long and short, do your research and be in the know before you go!


John Atkinson

John has over 17 years of experience in the insurance industry and earned his GBA designation in 2018. He is responsible for generating new business and values serving HMA's existing client base to ensure that they are well taken care of. JJ also enjoys surfing when possible, and serving at his local church.
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