Your Travel Insurance IQ
Your answer page...
| I'm six months pregnant and will
be travelling for two weeks in another country. Will
emergency medical insurance cover me in the event
I go into pre-mature labour?
C -- Yes
Most emergency medical policies would view pregnancy
complications as a covered emergency provided the
pregnancy is in the first or second trimester. However,
look for insurance restrictions regarding the length
of pregnancy. Some plans will cover you up to eight
or ten weeks from the expected due date, others may
not cover you at all. (While I've never yet
seen a policy that specifically excludes emergency
charges with respect to pregnancy, it's always smart
| I've heard
the term pre-existing condition used a lot in insurance-speak.
What does it mean?
A.-- A chronic medical condition
Explanation: Buyer beware! In an effort
to control excess claims cost, insurance companies
have introduced the concept of pre-existing conditions
(P.E.C.). If you have a pre-existing condition, check
this provision very, very carefully as the definition
of a P.E.C. can vary from company to company. Some
policies maintain that if your pre-existing condition
"stable and controlled" for a specified
period of time, then these conditions would be covered.
Some policies may not even have a pre-existing condition
exclusion if you're only travelling on a short trip.
It pays to ask a lot of questions and know exactly
what you're getting.
Make sure that you always report your P.E.C. truthfully
when you are purchasing your policy. It's far better
to pay a higher premium and be fully covered than
to lie about your condition and, then, not be covered
| How do
I know which is the best travel insurance policy to
C -- Buy the one that best suits your needs
Explanation: Cheapest or most expensive
is not the criteria you should use when selecting
travel insurance. For example, if you only want
insurance, don't choose a more expensive packaged-plan
that includes other coverages such as medical coverage.
Or, if you want every possible aspect covered (cancellation,
health, baggage theft, etc.), look to the combination
packaged-plans as they will normally offer a better
price. Again, if you have a pre-existing condition,
you'll want to read the fine print to find the plan
that works best for your particular needs.
I'm on a beach in South America
and I've lost my passport. What should I do?
Answer: B -- Call
the Emergency Assistance number
is the beauty of emergency medical insurance and their
emergency assistance number. You don't have to be ill
for them to help you. While you might be completely unsure
about how to solve this passport problem, the people at
the emergency assistance centre have dealt with this same
problem many times before. They know exactly what to do.
They'll hold your hand and assist you in getting your
new passport as soon as possible.
I've had my trip to Tahiti planned
for months and wouldn't you know it, I've been called
to serve on a jury. Is there insurance coverage
available that will reimburse the cost of my trip?
Answer: A --
Yes. It's called trip cancellation and interruption insurance
trip cancellation policies will include a call to jury
duty as an insured reason for canceling your trip. There
are many other unavoidable situations that could cause
a trip cancellation and you should review your policy
for a list of the "insured risks" that are covered.
insurance savvy are you?...
You're a pro, a Gold Star Journey Woman. Start
||-- You need just a little
brushing up before you can leave home.
||-- Be careful, you don't
know enough yet and could get into very big trouble.
||-- Don't show anybody your
score. It's clear you need more research time.
points or less
||-- Unpack your suitcase.
Don't even think about travelling, yet!
safe, healthy travelling, ladies!
Star Honour List...
If your score is
a perfect 10, please send an email to firstname.lastname@example.org
with the word 'Perfect!' in the subject line. Give us
your first name (only) and the city you live in. We'll
post the first 50 names right here on our honour list.
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