FAQs - Globetrotters Insurance

Frequently Asked Questions

Medical Travel insurance

Medical travel insurance is a specialized insurance policy designed to provide coverage for medical expenses and emergencies that may arise when traveling abroad. It offers financial protection and peace of mind by covering costs related to medical treatments, hospitalization, medical evacuation, repatriation, and other necessary medical services.

When you travel internationally, your regular health insurance may not cover medical expenses incurred outside your home country. Medical travel insurance ensures that you are protected against unexpected medical situations and the potentially high costs associated with them. It provides coverage for emergency medical treatments, hospital stays, medications, and more, saving you from substantial financial burdens.

It is recommended to purchase medical travel insurance as soon as you have confirmed your travel plans. By doing so, you ensure coverage for unforeseen events that may occur before your departure, such as trip cancellation due to illness or injury. Ideally, it’s best to purchase your insurance at the same time you book your trip to maximize the benefits provided by the policy.

Medical travel insurance covers a range of services and expenses, including: Emergency medical treatment and hospitalization, Doctor’s visits and specialist consultations, Prescription medications, Medical evacuation and repatriation, Trip interruption or cancellation due to medical reasons, Lost or stolen baggage with medication, Emergency dental treatments, 24/7 emergency assistance hotline.

Our coverage

Coverage for a pre-existing condition will only begin after you’ve been insured for 12 months in a row, or if you’ve gone 12 months without seeing a doctor, receiving treatment, or getting advice for that condition.

A pre-existing condition is any illness, injury, or related complications that you had symptoms for, saw a doctor about, or received treatment or medication for, in the 12 months before your insurance coverage started.

This insurance may be cancelled prior to the effective date and a full refund of premium will be made. If the insurance is cancelled after the effective date, the first six months premium will be considered fully earned and not refunded. After that, including any subsequent renewal period, an adjusted premium refund can be made on remaining whole months at your request. Requests for policy cancellations and refunds must be in writing and the effective date of the cancellation cannot be prior to the date the request is received by the Administrator

The insurance terminates on the earlier of: (a) at 11:59 p.m. local time on the expiration date of your policy; (b) when you cease to be eligible as defined under Insured Person; or (c) immediately upon your return to your home country. However; if you have been insured under this policy for at least six months and then return to your home country permanently, the insurance will continue for 30 days or until the policy’s expiration date (whichever first occurs) to provide Home Country Coverage for an unexpected injury or illness which may occur after you return home. The purpose of this 30 day extension is to provide time for you to purchase domestic health insurance.

When you choose Globetrotters Insurance, you’re covered no matter where
your adventures take you— excluding your home country. This makes it the
perfect choice for anyone embarking on international travel. Whether you’re exploring new destinations, applying for visas, or taking your family on a well-deserved getaway, our coverage ensures you’re protected every step of the way, so you can travel with confidence.

Have Any Questions?

Leave a message for our team or send us an email at sales@globetrottersinsurance.com and we will get back to you as soon as possible.

Why Use Globetrotters

Our assistance team can solve problems ranging from lost prescription medication to arranging a phone call with a local doctor who speaks your language. If necessary they can relay information to loved ones back home and arrange follow up treatment or transportation.
If you are sick or injured while abroad there is no need to get tied up in the local bureaucracy. Our claims department will arrange payment directly to the provider without you having to worry about foreign currencies, exchange rates, bank transfers or the accuracy of your bill.