Get Travel Insurance for Worry-Free Vacations

Jun 1st, 2010No Comments

Your travel medical insurance may have an eligibility requirement. The concern of this provision could include anything from whether you are actually traveling within the United States or if you are in the state you meant to go to.

Reading over a travel insurance policy, it’s interesting that they would state that if you are traveling outside the country, that you must spend at least 24 hours or more away from your home. The states coverage is merely based on what state you reside in, not which state you are traveling to, so pay attention to those papers before you decide to sign and pay. The best piece of advice is to ask the rep while you are on the phone. Always call with a list of inquiries, and be sure to clarify which state is included.

You should also be sure that you are fully aware which of your family members are covered under your adventure travel insurance plan. Typically, your spouse and children will be covered, but with all the existing loopholes it doesn’t hurt to ask. In some cases, when you have an adopted child as long as they are under the age of 19 they will be included in the policy. If this is your second marriage, and your spouse had children by another individual they may be included as well.

The insurance company would sometimes ask questions regarding the child if they are older but generally it is simply for the reason that they want to know if the child is not able to care for themselves. If this child is enrolled before age 19 and is mentally retarded, they may qualify to be on your travel policy. Inquire about physical disability as they may be covered as well. What they normally need is a student id or other forms of identification that would confirm their student status. This is the same whether you want backpacking travel insurance or any other type.