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Overseas Travel Insurance - Extension/Renewal FAQ

Overseas Travel Insurance - Renewal/Extension FAQ

Can I extend the insurance, even if I had the claim in the previous duration?

As long as you have purchased an extendable plan, you can certainly extend it even if you had a claim in the previous duration or even if you are currently in the hospital. In other words, extension is not conditional upon whether you had a prior claim or not. That is another advantage of buying the insurance from the U.S. based company compared to the insurance plans from the home country.

Are you sure I can extend the insurance even if I have a claim?

Yes, we are very sure. You can extend the insurance using the extension notice you get in the email. Or you can simply visit the 'Client Center' to extend it. You have to just enter the certificate number, date of birth, new expiration date and the credit (or debit) card information. It is an instant extension.

You have just written in this FAQ that the insurance can be extended even if there is a claim. However, I don't see any such language in the brochure or the policy wording. How can I be sure?

We can't knowingly write something that is not true. Brochure and the policy wordings write the accurate language that they are required to. The brochure or the policy wording are not designed to explicitly cover every possible scenario for every possible customer in the exact language that you are looking for. Otherwise, it would be thousands of pages long and it would still not cover all possible scenarios. In other words, if there are any conditions to extend the insurance, they are mentioned (such as you must extend it before it expires and in some plans, you must buy for a minimum of 3 months initially to able to extend in future etc.) Therefore, to further clarify various scenarios, we have come up with this FAQ as many people have the asked similar questions.

From another perspective, you can also look at the refund rules in case of early cancellation. All cancellable insurance plans indicate that you must not have any claims in order to get any refund in case of early cancellation. That clearly shows that if there were any such condition to extend, it would be mentioned.

When I extend the insurance, will the rates remain the same? Will they increase if I had a claim?

In travel medical insurance policies, the rates will not increase while extending it just because you had a claim in the prior duration. As long as the person is in the same age group, the price would remain the same. If the person has crossed into the higher age meanwhile, the renewal rates may be higher according to the new age group.

Additionally, please note that if the rates for the entire plan have changed meanwhile, you may be charged according to the new rates (it does not always work exactly the same for all the plans all the time). However, travel medical insurance plan rates do not change frequently. They typically change once a year or even less in most cases. Therefore, in most cases, the persons would still get the same rates. Of course, there may be an additional renewal fee charged every time, which is $5 in most plans.

What is the difference between extension and renewal?

Even though both the terms are used interchangeably and practically mean the same thing, there is a technical difference, strictly speaking. Lets say, the insurance can be purchased up to 2 years total, and you are allowed to extend it month to month. However, the deductible is annual. Therefore, when you pay for the insurance month to month, that is called extending the insurance. After a year, the deductible would get reset and at that time, it is called renewing the insurance.

When I bought the insurance, I was told that I can extend it up to 2 years. I already had it for 11 months 24 days. I would like to extend it for another 3 months. However, it allows me to extend only for another 6 days. Why is that? Have the rules changed? How can I extend for 3 months?

It is allowing you to extend only for 6 days now because that is when you will have the anniversary of your insurance. After a year, as the deductible gets reset, you can't extend the insurance across your insurance anniversary date. Therefore, you should extend it for 6 days now. You can try renewing for the rest of the duration the next day. Please note that, if there is any renewal fee, you may be charged twice, and there is no way around it.

I initially bought the insurance from 01/04/2017 to 04/03/2017. The insurance card correctly mentioned the coverage dates. I extended the insurance for 1 month. Now, the coverage dates on the insurance card mentions from 04/04/2017 to 05/03/2017. Are you sure it is the extension and not a new policy? Shouldn't the coverage dates now mention 01/04/2017 to 05/03/2017?

Ideally, the coverage dates should be mentioned as 01/04/2017 to 05/03/2017. However, not all the insurance companies display them exactly like that. If some plan displays only the extended duration, it does not automatically mean that you have a new policy. As long as the certificate number is the same, you can be assured that your insurance has been extended and not purchased again.

I initially bought the insurance from 01/04/2017 to 04/03/2017. I extended the insurance for 1 month from 04/04/2017 to 05/03/2017. However, when I try to print the ID card, it shows only the new dates. How can I print the old ID card for the previous dates?

You can't. You can only print the most recent ID cards. Ideally, it could have been better than that. However, in this case, we are limited by what the insurance companies provide.

I bought the insurance from you in 2015 for 6 months for my mother. She is visiting the U.S. again the next month. I am trying to renew her insurance, but it gives an error that it has expired. How can I renew the insurance?

Any renewal must be done before the expiration of the current insurance. In other words, there should be no gap in the coverage. Moreover, please note that most travel medical insurance plans are single trip plans (multi-trip plans are annual plans that can't be renewed anyway and limit the number of days per trip). Once the person has returned to the home country, the insurance ends.

Therefore, if she returned home in 2015 and she is visiting again in 2017, you will have to purchase the new insurance again. You will have to enter all the information all over again. If you prefer, you can call us and we can copy/paste the information from the previous insurance into the new one. All you will have to provide us is the new travel dates and the credit card number (Of course, if any other information such as mailing address or passport number has changed, you will have to provide that too.)

When I bought the insurance, I was told that I can extend the insurance at any time before it expires. I am in California and it is 11:50 PM Pacific Time right now. I am trying to the extend the insurance and it says that it has already expired. Is this an error?

No, it is not an error. Most travel medical insurance plans start and end according to the U.S. Eastern time and it is already past the midnight on the East Coast (2:50 AM the next day) in this case. Travel medical insurance plans are for those who travel and they can be located at any place at any given time. Therefore, the insurance can not start and end depending upon where you are located at any given time.

You receive enough renewal notices in the email. We recommend that you not wait till the last moment. Unfortunately, you will have to make a new purchase and all the terms and conditions will start all over again.

My parents' insurance expired two weeks ago. However, I was recently traveling (or busy with work, new born baby, or any other reason) and didn't check my email. Can I still extend the insurance?

No. You must extend it before it expires. Unfortunately, you will have to make a new purchase and all the terms and conditions will start all over again.

My insurance expired yesterday (it was Sunday) and I thought you might be closed and therefore, I couldn't extend. Can I extend it now?

No. Unfortunately, you will have to make a new purchase and all the terms and conditions will start all over again.

You don't necessarily need to contact us over the phone to extend it. You can simply visit the 'Client Center' to extend it at any time, 24 x 7.

Our office is open 7 days a week. However, we are not open 24 hours a day. Please note that you had ample time to extend the insurance during the times when our office is open, even if you preferred to extend it over the phone. You should not have waited until Sunday night when we are closed and then claim that you couldn't extend, when you in fact, could do it online.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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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 would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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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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To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

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