Ask Our Specialists

1. The expiration date is included in the coverage. e.g., if you buy insurance for 1 month starting Jan 13, you would be covered from Jan 13 to Feb 12, and the insurance would expire at Feb 13 12.01 AM EST (That means, you have coverage for 59 seconds on Feb 13, if you want to be that precise). 2. No, deductible does not apply for trip interruption. e.g., your parents come to the US, and if for example, their house in India is on fire or gets flooded or grandmother dies (God forbid), and if they need to return back to India early, and if they need to change the return date and the airline charges, for example, $250, trip interruption would cover that. 3. That is generally helpful for the people whose destination is not too far from their home country. Lets say a US citizen has gone to Brazil for 6 months and comes back home for Christmas vacation for few days with intent to go right back, that would be incidental home country visit. This would generally not be helpful for Indians coming to US because they are very unlikely to travel all the way to India, for example to celebrate Diwali, or attend a marriage for few days and come right back. 4. You can not change the terms of the insurance after the effective date. If you want to make any changes, you will have to purchase a new policy and all the terms and conditions start all over again and you get the new certificate number. 5. Once a year. 6. No. You will have to buy a new one. Insurance is for single trip. If you have any other questions, please feel free to post them here or contact us at any time.