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Travel Medical Insurance

Question:

My brother bought Travel Guard from AIG this April on the day of his departure for home country on a long visit. The departure & return dates were mentioned on the policy. He is a green card holder and had to return back before 6 months. He is otherwise well but can travel only with a family escort. So he bought a one way ticket deferring buying return ticket at a later date with a family escort. He became sick 10 days after arriving to his destination which was life threatening and he was admitted to an intensive care for more than 3 weeks. We filed the claim next day of his admission but it was denied giving reason that as no return ticket was bought so the insurance expired on arriving to his destination. In the policy terms, the words "one way trip" and "two way trip" are mentioned but at no point in the policy or while buying the policy online, we got an impression that a two way trip is considered two way only if return ticket is bought before departure. Kindly, suggest if our claim is valid and suggest further options. We are about to file an appeal.

Answer:

Insubuy as a broker we provide insurance from many companies. We don't offer Travel Guard plan from AIG. We provide insurance only from 

U S Companies. But in general trip insurance you have to purchase for round trip. You can't purchase for one way. Please find difference between Travel medical Vs Trip insurance

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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